John Lewis Insurance for Pets Information page

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John Lewis Insurance offers pet insurance but also offers insurance for: home, life, car, travel, specialist home insurance, wedding insurance, event insurance.

This website will tell you everything you wanted to know about their Pet Insurance plans and even stuff that’s important but you didn’t know to ask!!!

They offer 4 plans from with coverage of £2000 to upto £10 000 per year veterinary costs coverage.

Overall their plans are quite comprehensive. They can get expensive for older pedigree dogs, but then, these are the dogs that are most prone to problems. They are more reasonable for younger mongrel dogs.

The website for John Lewis Insurance is easy to follow and the quote page is nice and simple.
When I phoned, I talked with David and he was super friendly and helpful.

On this page you will find all the information that you are looking for about John Lewis Insurance for pets- from tables with approximate quotes, and coverage details to more comprehensive table with exact coverage, and finally all your questions answered!

John Lewis Insurance is one of many companies that use AXA as their underwriter. (along with Sainsbury, AXA, and Post office insurance)

And, please Leave a review for the company you end up going with!!!


Snapshot Information Chart

Plan Accidents and illnesses Deductible/ Excess (per condition per year) Max age limit to sign on Lifetime cover Price per month
2000 2000/ year Dogs: 75 + 0 or 25 or 50 if you choose. Selected breeds* : 125 Cats: 50+ 0, 25, 50 or 75 none Dog: 16.00- 51.23 Cat: 8.81- 10.17
3500 3500/ year Dogs: 75 + 0 or 25 or 50 if you choose. Selected breeds* : 125 Cats: 50+ 0, 25, 50 or 75 none Dog: 17.26- 55.27 Cat: 8.99- 10.37
7000 7000/ year Dogs: 75 + 0 or 25 or 50 if you choose. Selected breeds* : 125 Cats: 50+ 0, 25, 50 or 75 none Dog: 17.90-57.32 Cat: 9.03-10.42
10000 10000/ year Dogs: 75 + 0 or 25 or 50 if you choose. Selected breeds* : 125 Cats: 50+ 0, 25, 50 or 75 none Dog: 18.80-60.19 Cat: 9.48- 10.94

(on their website they say you get a certain amount “per period” which really means ‘Per year’ – “Per Period” = “Per year”).

*Bulldog, Toy Bulldog, Estrela Mountain Dog, German Shepherd (Alsatian), Great Dane, Greyhound, Irish Wolfhound, Leonberger, Newfoundland, Old English Sheepdog, Pyrenean Mountain Dog, Rottweiler, St Bernard.

Detailed coverage Chart

2000 3500 7000 10000
Vet fees Accident and illness £2000/ year £3500/ year £7000/ year £10000/ year
Routine Care
Hereditary Conditions yes Yes yes yes
Hip dysplasia yes Yes yes yes
Death or loss (replacement cost of pet) £1500 £1500 £1500 £1500
Cremation £100 £100 £100 £100
Boarding and daily minding (if owner hospitalized) £100/ week, upto £1000 £100/ week, upto £1000 £100/ week, upto £1000 £100/ week, upto £1000
Holiday (trip cancellation) £3000/ period £3000/ period £3000/ period £3000/ period
Cover Abroad £2500/ period £2500/ period £2500/ period £2500/ period
Quarantine costs £2000 £2000 £2000 £2000
Behavioural problems £250/ period £250/ period £250/ period £250/ period
Prescription meds yes yes yes yes
Dental (not teeth cleaning) £500/ period £500/ period £500/ period £500/ period
Alternative /complementary treatment £1000/ period £1000/ period £1000/ period £1000/ period
Breeding, Fertility, Pregnancy
Medical devices (ex. Wheelchair for dog) yes Yes yes yes
Lost/Stolen pet adds and reward £1000 for each adds and reward £1000 for each adds and reward £1000 for each adds and reward £1000 for each adds and reward
Personal liability (dogs only) £2 million £2 million £2 million £2 million
Accidental Damage (tenant coverage) £750 £750 £750 £750
Grooming and Bathing
Pet food, Nutritional supplements, vitamins, natural remedies £250 for clinical diet (not obesity or oral hygiene diet) £250 for clinical diet (not obesity or oral hygiene diet) £250 for clinical diet (not obesity or oral hygiene diet) £250 for clinical diet (not obesity or oral hygiene diet)

Vet fees- Illness or Accident
Routine/Preventative care- vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds. These are not covered and are the pet owners responsibility.
Hereditary conditions- are covered.
Hip Dysplasia- are covered.
Death- Will cover replacement price of pet if dies from accident, injury or loss from straying or theft upto £1500.
Euthanasia and Cremation – euthanasia is not covered. Cremation is covered upto £1000.
Boarding- If you go to hospital for an extended time, they will cover £100/ week, upto £1000 to board your pet.
Holiday- Is covered upto £3000/year.
Cover abroad- will also cover: £250 for loss of health certificate, £500 for emergency expenses abroad, and repeat tick and worming treatment.You can travel up to 60 days 3 times a year ONLY to EUROPE – and you have to let them know 1 month in advance. Upto £2500 is covered for travel abroad. They follow the pets travel scheme with Defra.
Quarantine Costs- Upto £2000 is covered.
Behavioural problems- are covered.
Prescription Meds- are covered as long as they’re prescribed by a vet.
Dental- your pet must have had its teeth checked within the previous 12 months . They will cover upto £500 for dental.
Alternative treatment- ( acupuncture, massage…)- upto £1000 coverage for alternative treatment.
Breeding, Fertility, Pregnancy– are not covered.
Medical devices– are covered.
Lost/Stolen Pet  (Advertising to find pet if lost/stolen/strays) – upto £1000 for each adds and reward is covered to help you to be reunited with your loved one.
Third party liability(dogs only) upto £2 million is covered.
Accidental Damage– upto £750 is covered.
Grooming and Bathing are not covered.
Pet food, Nutritional supplements, vitamins, natural remedies Diet is covered upto £250 for clinical diet (not obesity or oral hygiene diet).



Insurance Helplines:  John Lewis Insurance does have phone helplines, however these are not mentioned on their website.



Some Common Questions: 

Are Congenital disorders and hereditary conditions covered with John Lewis Insurance?
Yes, these are both covered.

Lifetime insurer (will John Lewis Insurance cover on going conditions throughout pets life) ? 

5% multiple pets.

Any vet or specific vets only? After hours vets or in home vets? 
Yes, you can go to your regular vet.Emergency vet- only if the vet deems it absolutely necessary (emergencies only)

Can the vet be paid directly?  
Yes, you will only ever pay the £75 excess each visit, the rest is taken care of by John Lewis Insurance. Once your dog is over 9 years, then the excess increases to £120 aswell as you have to pay a 15% co-payment.

If not, How quickly are claims processed? 
If you process it yourself (instead of John Lewis Insurance paying the vet), then it takes 3-5 days.

Does John Lewis Insurance cover examination fee (if it relates to the injury or illness) ? 
Yes, this is covered.

All breeds? 
No: The following breeds are not covered: American Pit Bull Terrier, Dogo Argentino, Fila Braziliero, Japanese Tosa, Perro de Presa Canario, Pit Bull, Pit Bull Terrier, Sharpei, wolves or wolf hybrid, or a dog crossed with these, or any animal registered under the Dangerous Dogs Act 1991 and The Dangerous Dogs (Northern Ireland) order 1991 or Dangerous Dogs (amendment) Act1997 or any subsequent amendments or a dog crossed with any of these. Also pets that are an American Bulldog, American Bullmastiff, American Staffordshire Bull Terrier, Beauceron, Bernese Mountain Dog, Bordeaux Mastiff, Bullmastiff, Cane Corso, Czechoslovakian Wolfdog, Deerhound, Dogue Brasileros, Dogue de Bordeaux, Irish Staffordshire Bull Terrier, Mastiff, Neapolitan Mastiff, Northern Inuit, Pyrenean Mastiff, Sarlooswolfhound, Spanish Mastiff, Tibetan Mastiff, Tosa Inus, Utonagan

Dangerous Dog Act? 
Dogs under this legislation are not covered.

Do I stop getting coverage as my dog ages? 
You will continue to get coverage as your dog gets older.

Does age affect monthly price (as my dog gets older will the monthly premium go up) ?  
Many things will affect your monthly price that will change from year to year. One of these things is age, aswell as breed of dog and other things.

Does John Lewis Insurance put the monthly price up every year? By how much? 
Yes, the price may go up year by year. This may be due to the age, breed of your pet, vet prices, inflation to name a few.

Does John Lewis Insurance serve all of the UK? Is the monthly amount more depending on where I live? 
They serve all of the UK, (do not serve Southern Ireland).
The monthly price is not affected by where you live.

Waiting period? 
14 days for illness.

Do rates increase with more claims/penalized for filing more claims? 
Yes, rates can increase if you file more claims but there isn’t by fixed percentage.

Maximum lifetime claim amount? 
No, there is no maximum lifetime claim amount.

What is the co-pay/ co- insurance with John Lewis Insurance? 
A 15% co-payment for dogs over 9 years old, aswell as the excess increases from 75 to £120.

Extras included? 
None to note.

Money back guarantee? 
14 days from time of purchase.



they don’t cover – claims that are directly or indirectly related to:• Pets under 8 weeks old.
• Pre-existing conditions.
• No coverage for injuries that result from: racing, breeding, guarding. Or used for any occupation or trade or profession.
• Treatment not recommended by a vet.
• The following diseases (named in the Animal Health Act 1981) are not covered. These are Rabies, Foot-andmouth disease, Swine vesicular disease, Peste des petits ruminants, Lumpy skin disease, Bluetongue, African horse sickness, Classical swine fever, Newcastle disease, Vesicular stomatitis, Rinderpest, Contagious bovine pleuropneumonia, Rift Valley fever, Sheep pox and goat pox, African swine fever, and highly pathogenic avian influenza.
• Illnesses or Accidents that happen outside of UK, Northern Ireland, Isle of Man, channel islands, Eire, or the EU countries of the PETS travel scheme defined by DEFRA.
• Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)” o These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same. o This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.

If you liked what you see above, visit the John Lewis site to purchase their insurance.

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