John Lewis Pet Insurance Review: Fully Updated for 2021

by Ben Doyle


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Starting out as a department store, John Lewis has become a name we can trust. Both with quality products and customer care.

Today, they provide financial products and services, including pet insurance.

So, will they insure your pets with the standard of care we’ve come to expect?

To find out if they’re the best company to insure your pet with, read our review and consider the pros and cons before making a decision.

In This Review

john lewis finance logo
  • Up to £12,000/yr vet fee cover
  • 24 Hour Vetfone Helpline
  • 90 Day Claims Window
  • 95% Claims Paid in 5 Days
  • No Upper Age Limit
  • Multi-Pet discount

What Does John Lewis Cover?


John Lewis only insures dogs and cats. Also, they only offer lifetime policies. So if your pet develops an ongoing condition they will pay out year after year. There is no time limit to the length of treatment provided you renew your policy each year.

They offer three levels of cover;

EssentialPlusPremier
Vet Fees (per year)up to £3,000up to £7,500up to £12,000
24-Hour VetFone HelplineYesYesYes
Dental Injury*up to £3,000up to £7,500up to £12,000
Behavioural Treatment*up to £250up to £250up to £500
Treatment Food*up to £250up to £250up to £250
Complementary Treatments (physiotherapy etc.)*up to £500up to £1,000up to £2,000
Third Party Liability (dogs only)up to £1mup to £2mup to £3m
Accidental Damageup to £250up to £500up to £750
Lost or Stolen Petsup to £500up to £1,000up to £1,500
Second Pet Discount5%5%5%
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If you’re not sure how much cover you need, have a chat with your vet. They can give you the likely cost of treatment should your pet ever need it.

John Lewis will insure your pet from 8 weeks old and they have no upper age limit. This means they will cover them no matter how old they are. That said, if you insure an older animal, expect your premiums to be expensive.

According to claims data from September 2020 – December 2020 John Lewis pay 95% of claims within 5 days. They can also pay your vet directly, subject to your vets agreement.

What Does John Lewis NOT Cover?

It’s just as important to understand what isn’t covered, that way you’ll not get a nasty shock if you need to claim. We’ve taken the following exclusions and restrictions straight out of John Lewis’s policy documents.

  • Pre-Existing Conditions – illness or injury (or associated symptoms) prior to starting a policy.
  • Pets Less Than 8 Weeks Old – this would normally apply to breeders as puppies or kittens shouldn’t be separated from their parent before 8 weeks.
  • Preventative Treatments – such as flea and worming, vaccinations etc.
  • Pregnancy and Breeding – and the costs of giving birth and rearing young.
  • Commercial animals – like guard dogs, attack dogs and racing dogs.
  • Illnesses in the First 14 Days – Any illness or symptoms of illness.
  • Injury in the First 48 Hours – Accidents or illnesses that develop as a result of an accident.
john lewis finance logo
  • Up to £12,000/yr vet fee cover
  • 24 Hour Vetfone Helpline
  • 90 Day Claims Window
  • 95% Claims Paid in 5 Days
  • No Upper Age Limit
  • Multi-Pet discount

How Much Does John Lewis Pet Insurance Cost?


The price you pay will depend on many factors, including;

  • Breed
  • Age
  • Previous conditions
  • Where you live, etc.

That said, we got two quotes; one for a dog and another for a cat.

Quote For Dog Insurance

john lewis dog insurance quote

We based our quote for dog insurance on;

  1. A large mixed-breed dog because they’re the most common
  2. It being 2 years old and in good health
  3. Living in Lincoln as that’s where Pet Checkers is based
  4. An excess of £100

How Changing the Excess Affected the Premium Price

John Lewis gives you the option of changing how much excess you’d pay in the event of a claim. This means you can tailor the quote to your budget.

This is how changing the excess affect amount affected the policy price.

Excess AmountEssentialPlusPremier
£60£274.33£392.50£511.95
£80£238.08£340.49£444.18
£100£217.77£311.33£406.18
£140£196.41£280.70£366.25
£250£170.65£243.73£318.08
£500£146.35£208.86£272.63

Quote For Cat Insurance

john lewis cat insurance quote

We based our quote for cat insurance on;

  1. A ginger and white mixed-breed cat – Again, non-pedigrees are most common
  2. It being 2 years old and in good health
  3. Again, living in Lincoln
  4. An excess of £100

How Changing the Excess Affected the Policy Price

Once again, we adjusted the excess contribution to see how it affected the policy price.

Excess AmountEssentialPlusPremier
£60£106.85£173.36£210.90
£80£94.21£152.75£185.79
£100£88.37£143.23£174.18
£140£75.61£122.43£148.84
£250£63.83£103.23£125.45
£500£52.92£85.45£103.79

Excess For Older Animals

As we’ve mentioned, John Lewis don’t have an upper age limit. That mean’s they’ll insure animals over the age of 8 whereas a lot of insurers won’t.

That said, this affects how the excess works.

You’d either pay your chosen excess, or 20% of the bill, whichever is greater.

john lewis finance logo
  • Up to £12,000/yr vet fee cover
  • 24 Hour Vetfone Helpline
  • 90 Day Claims Window
  • 95% Claims Paid in 5 Days
  • No Upper Age Limit
  • Multi-Pet discount

How Industry Experts Rate John Lewis Pet Insurance


John Lewis has been rated by Defaqto and Which? as being one of the best pet insurance providers.

Using their percentage scoring system, Which? scored John Lewis;

Type of PetEssentialPlusPremier
Dog51%77%96%
Cat58%80%95%

And here’s how Defaqto score them;

Type of PetEssentialPlusPremier
Dog4*5*5*
Cat4*5*5*
john lewis finance logo
  • Up to £12,000/yr vet fee cover
  • 24 Hour Vetfone Helpline
  • 90 Day Claims Window
  • 95% Claims Paid in 5 Days
  • No Upper Age Limit
  • Multi-Pet discount

Customer Reviews of John Lewis Pet Insurance


Independent industry bodies and experts can say all they want. But they look at a policy from a different perspective than a customer would. And it’s a customers experience of a company that really matters.

That said, finding actual customer reviews proved tricky. So we ended up trawling through John Lewis Finance Trust Pilot page which covers all of their insurance products. But we did find some related to their pet insurance.

The Good

positive john lewis reviews

When it comes to signing up with John Lewis we found many customers were happy with their sign up quotes.

If they needed to make a claim, they seem to make the process easy. Which is exactly what you want.

The Not So Great

not great john lewis reviews

Most reviews say that signing up with John Lewis is easy. That said, there are complaints that the process is confusing. We found several reviews saying they’re not sure if their pets are covered, despite receiving confirmation emails.

The Bad

negative john lewis reviews

By far the biggest complaint about John Lewis’ pet insurance policies are the renewal prices. Many customers complain that their renewal price more than doubled, despite not even making a claim.

That said, they do state clearly on their website that premiums are likely to rise;

  1. As your pet gets older
  2. If you claim

Also, it’s worth noting that John Lewis is underwritten by Royal & Sun Alliance. They dictate the prices and renewals. In fact, Royal & Sun Alliance also underwrites the policies of More Than, Marks & Spencer, Argos and Tesco. So it’s fair to say, steep renewal prices aren’t exclusive to John Lewis. It happens with most insurers.

john lewis finance logo
  • Up to £12,000/yr vet fee cover
  • 24 Hour Vetfone Helpline
  • 90 Day Claims Window
  • 95% Claims Paid in 5 Days
  • No Upper Age Limit
  • Multi-Pet discount

How Do John Lewis Compare Against Other Insurers?


To get a better idea if John Lewis is the right pet insurer for you, it helps to compare them to similar companies and policies.

Here’s a high level view of how they stack up against other companies we recommend.

John LewisPetPlanBought By ManyAgria PetWaggel
Vet Fees (per year)up to £12,000up to £12,000up to £15,000up to £12,500up to £10,000
Third-Party LiabilityUp to
£3m
Up to
£3m
Up to
£3m
Up to
£3m
Up to
£2m
Pre-Existing ConditionsNoCase by CaseYesNoNo
DentalInjury OnlyIllness & InjuryPolicy DependantIllness & InjuryIllness & Injury
Free Vet CallsYesNoYesYesYes
Lost or Stolen Petsup to £1,500up to £2,000Optional ExtraOptional Extra£1,000
Death From Accident/Illnessup to £1,500up to £2,000up to £6,000up to £2,500£1,000
Multi-Pet Discount5%£12 per pet15%5%No
Read Our ReviewRead Our ReviewRead Our ReviewRead Our Review
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Frequently Asked Questions


How Do I Claim on My John Lewis Pet Insurance Policy?
To make a claim with John Lewis, CLICK HERE to download your claim form.

Fill in the form, scan it with your vets bills, receipts and notes. Then email it to claims@johnlewis-petinsurance.com.

They will contact you when they have processed your claim and if your vet agrees, John Lewis can pay them directly.

You can also call their claims line on 0330 102 2756.

How Do I Cancel John Lewis Pet Insurance?
To cancel your policy, call John Lewis on 0330 102 2745 or 01422 501 069.

Lines are open Monday to Friday 9am – 6pm, Saturday 9am – 5pm, Sunday closed.

To Sum Up


John Lewis Finance provides some of the most comprehensive pet insurance policies on the market.

They’re highly rated by Defaqto and Which? and on the whole, their customers. It appears they pay out quickly and without fuss with 95% of claims being paid within 5 days. Although, the signup process can be confusing for some.

Just be sure to check your renewal price each year and be prepared to shop around if you’re not happy with the cost.

john lewis finance logo
  • Up to £12,000/yr vet fee cover
  • 24 Hour Vetfone Helpline
  • 10% Online Discount
  • 95% Claims Paid in 5 Days
  • No Upper Age Limit
  • Multi-Pet discount

ben doyle

Ben Doyle

My name is Ben Doyle and I co-own Pet Checkers. I spend most of my time looking after all kinds of animals, from dogs to eagles. When I’m not taking care of animals, I’m photographing them and writing about them here on our website.

About

At Pet Checkers, we've been providing the very best pet care Lincoln has to offer since 2013.

Opening Hours

Monday: 9am - 5pm
Tuesday: 9am - 5pm
Wednesday: 9am - 5pm
Thursday: 9am - 5pm
Friday: 9am - 5pm
Saturday: 9am - 5pm
Sunday: Closed

Contact Us

52 Beech Road
Branston
Lincoln
LN4 1PR

01522 740 025 info (@) petcheckers.co.uk

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