Lifetime Pet Insurance
Give your pet a lifetime of quality care
A pet is part of the family, so it’s important that they’re well taken care of. Lifetime pet insurance from John Lewis Money helps to cover costs for new illnesses and injuries up to your policy’s vet fee limit, as long as you renew your policy with no break in cover.
Terms, policy limits, excesses and exclusions apply.
Defaqto 5 Star Rating applies to vet fee limits of £5,000, £7,500, £9,000 & £12,000What is lifetime pet insurance?
Lifetime cover means just that — your pet will be covered for illness or injury for life, so long as you renew your policy with us.
Each policy year you can claim for treatment up to your chosen vet fee amount. This includes ongoing conditions like diabetes or arthritis, to one-off mishaps like a cut paw or broken bone.
Please keep in mind that we don’t provide cover for pre-existing health conditions. We can cover new injuries and illnesses, but you're not able to claim vet fees for accidents that happen in the first 3 days, or illness within the first 14 days of your policy (unless you can show that your previous policy runs up to your start date with us).
What does John Lewis Money lifetime pet insurance cover?
Our lifetime pet insurance will cover your furry friend for up to £12,000 for vet fees, including overseas*, and £1,500 for complementary and physiotherapy treatment. There’s also up to £12,000 of cover available for dental treatment.
Cover detail | Lifetime £2,000 | Lifetime £3,000 | Lifetime £5,000 | Lifetime £7,500 | Lifetime £9,000 | Lifetime £12,000 |
|---|---|---|---|---|---|---|
Total vet fees limit | £2,000 | £3,000 | £5,000 | £7,500 | £9,000 | £12,000 |
Treatment period | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
Complementary & physiotherapy treatment | Up to £1,500 | Up to £1,500 | Up to £1,500 | Up to £1,500 | Up to £1,500 | Up to £1,500 |
Overseas veterinary treatment (EU only)* | £2,000 | £3,000 | £5,000 | £7,500 | £9,000 | £12,000 |
Dental treatment** | £2,000 | £3,000 | £5,000 | £7,500 | £9,000 | £12,000 |
Third party liability (Dogs only) | £2m | £2m | £2m | £2m | £2m | £2m |
Death from accident, injury or illness | Up to £1,500 | Up to £1,500 | Up to £1,500 | Up to £1,500 | Up to £1,500 | Up to £1,500 |
Cremation & burial costs | £200 | £200 | £200 | £200 | £200 | £200 |
Advertising & reward | £500 | £500 | £500 | £500 | £500 | £500 |
Theft or straying | Up to £1,500 | Up to £1,500 | Up to £1,500 | Up to £1,500 | Up to £1,500 | Up to £1,500 |
Kennel and cattery fees | Up to £1,500 | Up to £1,500 | Up to £1,500 | Up to £1,500 | Up to £1,500 | Up to £1,500 |
Holiday cancellation | Up to £3,000 | Up to £3,000 | Up to £3,000 | Up to £3,000 | Up to £3,000 | Up to £3,000 |
Quarantine costs | £2,000 | £2,000 | £2,000 | £2,000 | £2,000 | £2,000 |
Loss of healthcare certification | £500 | £500 | £500 | £500 | £500 | £500 |
Emergency expenses abroad | £500 | £500 | £500 | £500 | £500 | £500 |
How does lifetime cover compare to other policies?
Our lifetime cover limits renew every year, ensuring your pet stays covered for ongoing conditions for as long as they are insured with us with no breaks in cover.
Maximum benefit
Covers vet fees for new illnesses and accidental injuries up to a maximum amount. This limit per condition is not reset and once it is used up, you will no longer be able to claim for further treatment for that condition.
Time limited
Covers vet fees for new illnesses and accidental injuries up to a maximum amount for up to 12 months from the start of treatment. This limit per condition is not reset and once it is used up or the 12 month period has passed, you will no longer be able to claim for further treatment for that condition.
Our pet insurance options
We offer lifetime policies for dogs and cats, and if you insure more than one pet with us you can benefit from a 5% multi-pet discount.
Dog insurance
Cover your dog for illness or injury with John Lewis Money Dog Insurance.
Cat insurance
Make sure your cat gets the care it needs with John Lewis Money Cat Insurance.
We have a range of guides that may answer some questions you have about your pet and our insurance cover.
Neutering your pet
Neutering has many benefits for you and your pet beyond preventing unwanted litters.
Flea and tick prevention
Learn how to spot them, treat them, and prevent them from coming back.
Frequently asked questions
Is my pet eligible for John Lewis Pet Insurance?
If your cat or dog is at least 8 weeks old, they could be eligible for John Lewis Pet Insurance.
Once you’ve taken out a policy, you’re not able to claim for vet fees as a result of accidents that happen in the first 3 days or illness within the first 14 days. If you switch to John Lewis Pet Insurance and can show your previous policy runs up to the start date, we can waive the initial exclusion periods for you.
Does pet insurance cover vaccinations?
Pet insurance doesn’t usually cover vaccinations as they are considered to be routine. It’s important to keep your pet’s vaccinations up to date for their own safety. If your pet becomes unwell and needs treatment because they have missed a vaccination, you may not be able to make a claim.
Does pet insurance cover neutering?
No. These routine procedures don’t involve treating your pet for illness or injury, so aren't covered by our policy. However, if your vet recommends neutering/spaying to treat a condition (e.g. Pyometra or testicular tumour), the cost of this can be covered.
Not yet covered by a John Lewis Money Pet Insurance policy?
Find out more about our lifetime policies for dogs and cats, what’s covered and how you could benefit from a 5% multi-pet discount.
Pet Insurance through John Lewis is subject to eligibility. Terms and conditions apply.
John Lewis Money and John Lewis Finance are trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (Registered company number: 233462).
John Lewis Plc is an introducer appointed representative of Pinnacle Insurance Ltd which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH. John Lewis Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance Ltd. John Lewis Plc and Pinnacle Insurance Ltd are not part of the same corporate group.