John Lewis Pet Insurance Review

John Lewis Pet Insurance Review

Reviewed by:

Choosing the right Pet Insurance is extremely important, as the wrong choice now could have severe financial consequences later and comparing numerous policy terms and conditions can be daunting.

Our independent rating and review highlights the important points we think you should know about when choosing an insurance policy to cover your pet.

Once you have read this review of John Lewis Pet Insurance and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are John Lewis Pet Insurance

John Lewis Pet Insurance Reviewed by Jonathan 22/10/2020.

For well over a century Britain has trusted John Lewis to provide a high level of customer service, selling quality products at competitive prices.

The same ethos applies to John Lewis Finance, which was set up to offer products such as custom designed partnership cards, Loans, Foreign Currency, Money transfers and of course Insurance.

For John Lewis, peace of mind and complete customer satisfaction is the goal and each product and provider has been carefully selected.

Pet Insurance from John Lewis only offers lifetime cover, meaning that any pet Insured with them will be covered for ongoing conditions as well as one off mishaps.

John Lewis Plc is an appointed representative of Royal & Sun Alliance Insurance Plc and all John Lewis Pet Insurance policies are underwritten by Royal & Sun Alliance Insurance Plc. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

How to Buy Pet Insurance from John Lewis Pet Insurance

Click on the website link to go directly to the insurance providers website. Visit John Lewis Pet Insurance's Website and Get a Quotation direct

How John Lewis Pet Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by John Lewis Pet Insurance.

Dog Policy Ratings Click to Expand

We have reviewed 3 Dog Policies from John Lewis Pet Insurance. They are - Premier - Plus - Essential . We have rated these as follows:-

Rating for Dog Premier :

Rating for Dog Plus :

Rating for Dog Essential :

John Lewis Dog Insurance Review

Rabbit Policy Ratings Click to Expand

found no policies available for this section.

John Lewis Rabbit Insurance Review

Cat Policy Ratings Click to Expand

We have reviewed 3 Cat Policies from John Lewis Pet Insurance. They are - Premier - Plus - Essential . We have rated these as follows:-

Rating for Cat Premier :

Rating for Cat Plus :

Rating for Cat Essential :

John Lewis Cat Insurance Review
  • Policies must provide cover for all core sections and all secondary sections.
  • Vets Fees - Policies must provide a minimum maximum benefit of £6,000, or £4,000 per condition and cover either;
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. A maximum benefit per year with a lifetime renewal guarantee.
  • Cruciate Ligaments - Damage to, or disease of the cruciate ligament is a common problem in animals. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £4,000.
  • MRI/CT Scans - If your pet suffers from seizures, paralysis or back problems, your vet may recommend an MRI scan. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £2,000.
  • Euthanasia - If your pet needs to be put to sleep to alleviate further suffering, policies must cover this. A policy must offer at least £100 to cover the cost of euthanasia.
  • Complementary treatments ? The industry average for complementary treatments such as physiotherapy is £1,000. Five star policies have at least this amount of cover.
  • Prescribed Food - All five star policies must cover the cost of prescription food (to treat bladder stones) up to at least £100
  • Dental treatment - Dental treatment for accidents of at least £500.
  • Loss of your Pet - The industry average benefit for loss of your pet due to accident, illness, theft or straying is £1,000. All policies must offer at least this amount.
  • Compulsory excesses - The industry average for the age at which additional compulsory excesses are charged is 6. All five star policies will not charge an additional compulsory excess until at least this age.
  • Five-star policies may provide additional service and cover benefits over and above standard policies.
  • Premiums are competitive in relation to the cover provided.
  • Five-Star policies have clear and consumer friendly, wording and explanations of cover.
  • The standard excess is equal or lower than the £100 market average.
  • Four-star policies cover all core sections and secondary sections under a pet insurance policy.
  • Four-Star policies offer Veterinary Fees cover that are above the market average and provide either
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. A maximum benefit per year with a lifetime renewal guarantee.
  • Four-star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four-star policies may provide additional cover benefits.
  • Premiums are competitive in relation to the cover provided.
  • Four-star policies have clear and consumer friendly wording and explanations of cover.
  • Three star policies cover all core sections, but may not offer all secondary sections of cover.
  • Three star policies cover veterinary fees that may be lower than the market average and provide either
  1. A maximum limit per condition limited to 12 months
  2. A maximum benefit limited to 12 months.
  3. A maximum benefit per condition no renewal guarantee
  4. A maximum limit per condition with a lifetime renewal guarantee; or
  5. A maximum benefit per year with a lifetime renewal guarantee.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies have some secondary covers lower than the market average.
  • Three star policies may not have all the features and benefits of a four or five star policy.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have core and secondary sections of cover missing from their policies.
  • Two star policies cover veterinary fees cover that are below the market average and provide either
  1. Accident only cover,
  2. A maximum limit per condition limited to 12 months,
  3. A maximum benefit limited to 12 months,
  4. A maximum benefit per condition no renewal guarantee,
  5. A maximum limit per condition with a lifetime renewal, guarantee; or
  6. A maximum benefit per year with a lifetime renewal guarantee.
  • Two star policies may have sections of cover missing.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess can be higher than the market average.
  • Policy wordings may not be as consumer friendly as other Insurers and contain more terms and conditions

Key Points you need to know about John Lewis Pet Insurance's policy wording

1. What are the eligibility criteria for Pet Insurance?

You must be the owner and keeper of the pet and at least 18 years old.
You must live with your pet at a home address in the United Kingdom, Isle of Man or the Channel Islands.
Your pet must be at least 8 weeks old and not have had any complaints about it's behaviour.
You must also provide proper care and attention to your pet at all times and take all reasonable precautions to prevent accidents, injury or damage.
You agree to manage your pet's weight and take steps to prevent or reduce the increased health risk of being obese or underweight.
Your pet must be vaccinated against Parvovirus, hepatitis, distemper, leptospirosis in dogs, or feline leukaemia, cat flu or infectious enteritis in cats.

2. What type of policies do they offer?

John Lewis only offer Lifetime Policies which means that any pet insured with them will be covered for ongoing conditions as well as one off mishaps. The levels of cover are:

Essential Policy covers vet fees up to £3,000 per year

The 5 star rated Plus Policy covers vet fees up to £7,500 per year

The 5 star rated Premier Policy covers vet fees up to £12,000 per year

3. What's not covered?

This is a list of important exclusions. John Lewis Pet Insurance does not cover;

  1. Preventative, Cosmetic or Routine treatments, tests, examinations or procedures which do not treat an illness or injury or any complications as a result.
  2. Spaying, castration or retained testicles.
  3. Ovariohysterectomy to prevent mammary tumours or the re-occurrence of false pregnancies.
  4. Grooming, Bathing, dematting, micro chipping or vaccinations including homeopathic vaccinations.
  5. Worming or Flea treatments.
  6. Out of hours, house calls, or hospitalisation, unless the vet confirms that it is necessary.
  7. Medication not recommended by a vet including supplements, probiotics and any other medication purchased without prescription.
  8. Any unlicensed treatment.
  9. The cost of pheromone products and sex hormonal problems unless directly resulting from a valid claim.
  10. The removal of dew claws unless they are damaged or infected.
  11. The cost of transplant surgery, including pre and post-operative care.
  12. The cost of prosthesis, including any veterinary treatment needed to fit the prosthesis, other than the cost of hip, knee and/or elbow replacement(s).
  13. Stem-cell or gene therapy.
  14. Any claim as a result of a notifiable disease as named in the Animal Health Act 1981.
  15. Any claim where your pet is used for racing, fighting, security purposes, as a guard dog, or has been trained to attack.
  16. Any claims where your pet is used as a business, or to make money, or earn an income, or where your pet is used for breeding (breeding, means used for breeding more than 2 times in the pet’s lifetime).
  17. Any pet which should be registered under the Dangerous Dogs Act 1991 or any of the following: Pit Bull, Pit Bull type, Japanese Tosa, Fila Braziliero, Dogo Argentino, American Bulldog, Wolf/Wolf hybrid or of any other breed which is not shown on the breed list.
  18. Death by illness for pets aged 9 and over.

4. Are complementary treatments covered?

John Lewis covers complementary treatments such as acupuncture, homeopathy, chiropractic manipulation, hydrotherapy, osteopathy, physiotherapy and even herbal medicines provided they are prescribed by a vet.

The Essential policy covers up to £500, The Plus policy up to £1,000 and the Premier policy up to £2,000.

 

 

5. Does the policy cover Prescription food and Dentistry?

All John Lewis policies cover up to £250 in respect of food a vet recommended to treat an illness or accident, including food required to treat behavioural problems.

All John Lewis policies cover treatment to teeth and gums if they are damaged by an accident.

6. Are MRI/CT scans and Cruciate Ligament claims covered?

MRI/CT Scans and Cruciate Ligament claims are fully covered up to the vet fees limit.

Note that if your pets leg has been treated for a cruciate ligament problem before you took out a policy. Any problems with a second leg would be classed as a pre-existing condition and not covered.

7. Does the policy cover the cost of euthanasia?

John Lewis cover not only the cost of having your pet put to sleep (up to £100), but also assist with cremation costs up to £100.

8. Can I cover more than one pet on the same policy?

You are able to cover up to three pets under the same policy.

9. Will the policy cover my pets pre-existing medical conditions?

Health issues, concerns, illnesses and injuries which you or your vet were aware of before you took out the
policy, are called pre-existing conditions and specifically excluded.

10. Will the policy cover my pet during pregnancy?

John Lewis will not pay claims for pets used for breeding (breeding means used for breeding more than twice in a pets lifetime).

11. Am I covered to take my pet abroad?

Both the Plus and Premier policies provide comprehensive cover if you decide to take your pet abroad under the Governments "PETS" Scheme.

Cover includes up to 3, 60 day trips per year, and extends vets fees cover, as well as repeat tapeworm treatment, loss of your pet healthcare certificate, quarantine costs, emergency expenses, the costs of cutting short or cancelling a trip altogether.

12. Is there a waiting period before I am covered?

John Lewis pet policies will not cover accidents within the first 48 hours of a new policy and illnesses that develop, or you were aware of within the first 14 days of a new policy.

13. How much of any claim do I have to pay?

The standard policy excess is £100.

The excess for public liability claims is £250.

14. Am I required to make additional monetary contributions to any claim?

Once your pet turns 9, you will be expected to contribute 20% of the costs of any future claim, in addition to the standard excess.

For example if you make a claim for £1,000, you will have to pay £100 plus 20% total £280 of the claim.

 

15. Website Navigation and online shopping experience

The John Lewis website is sleek and minimalist in appearance. It provides a lot of helpful information without being too in your face. You have easy access to a comparison of covers, frequently asked questions, policy wording and Insurance Product information documents.

The quotation system follows the format, presenting side by side comparison of your options.

John Lewis do not offer live chat, but you can phone them with a query or to obtain a quote.

16. Is the policy wording easy to understand?

At 40 pages long the policy wording is comprehensive, but as well as an in-depth summary of cover, and index, and contact page, there is an extremely useful section on understanding and using the policy. Each section of cover is carefully sectioned off into what is and what isn't covered.

The policy wording scored 65 out of 100 in our tests and was classed as average reading with an average reading age of between 14 - 15 (Reading age means the average reading age required to understand the text).

 

17. Is the Insurer listed on comparison sites?

John Lewis Pet Insurance is available on all four comparison websites. During our tests we found that each quote differed slightly in price, but all were a bit lower than premiums quotes direct from John Lewis.

However after checking we found the excess was much higher in all cases. If you are happy with a higher excess then purchase a policy through a comparison website. You are able to choose more flexible excess options between £60 and £500 on John Lewis website direct.

18. Does the policy include a helpline?

As well as a claims helpline, John Lewis policyholders have free access to VetFone, a 24/7 helpline which provides expert advice on your pets health.

19. What do customer reviews say?

Trustpilot has received 1109 reviews on John Lewis Finance with an overall rating of 3.3/5. Whilst this is not very high, upon checking we could not find any negative reviews relating to Pet Insurance, most were connected to loans, banking and delays due to covid-19.

20. Are there any administration charges?

There are no administration charges.

21. Are there any special discounts or promotions?

Purchase online direct from John Lewis and receive a 10% discount.

22. Overall Summary

Both the John Lewis Plus and Premier policies have been awarded 5 stars for their high levels of cover.

Both policies have high inner limits and cover areas that others don't such as cremation costs. They are also excellent if you plan on taking your pets abroad.

John Lewis state that 96% of claims are paid within 5 days. We can't verify this claim, but a quick and simple claims process is what every customer wants.

John Lewis policies are in line with other comparable lifetime policies. Whilst they tend to be a bit more expensive than lower ranked policies, the old saying is true, you get what you pay for. The Premier plan with it's high £12,000 vet limits offers the best value for money, but you can save 15 - 20% but choosing the lower Plus policy that has £7,500 vet fees cover. The other option to reducing the premium is by volunteering for a higher excess, which is available on the John Lewis site.

One point to note is John Lewis declare on their site and in their policy wording, that the cost of looking after your pet's health can double every four or five years, especially if a claim is paid, the price you pay next year could double. So it's important you understand how making a claim may affect future premiums and that you budget for renewal prices to increase.

John Lewis Pet Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on john-lewis-pet-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how John Lewis compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for John Lewis Policies

We've highlighted Pro's and Cons for John Lewis, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by John Lewis Pet Insurance.

  • Plus and Premier Policies awarded 5 star ratings
  • Free access to "VetFone" 24/7 medical pet helpline
  • Treatment food cover up to £250
  • Euthanasia and Cremation costs covered
  • Comprehensive cover abroad under both Plus and Premier policies.

No Con's

What Cover do John Lewis policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Premier

    Dog

    Plus

    Dog

    Essential

    Dog

    Premier

    Cat

    Plus

    Cat

    Essential

    Cat

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    100

    100

    100

    100

    100

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Per Condition Time Limited
    Per Condition Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Maximum Benefit Time Limited
    Maximum Benefit Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Maximum Benefit Per Condition
    Maximum Benefit Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Lifetime Per Condition
    Lifetime Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    12,000

    7,500

    3,000

    12,000

    7,500

    3,000

  • Dental
    Dental Explanation
    Cover Type Icon

    12,000

    7,500

    3,000

    12,000

    7,500

    3,000

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    1,500

    1,000

    500

    1,500

    1,000

    500

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    1,500

    1,000

    500

    1,500

    1,000

    500

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    1,500

    1,000

    500

    1,500

    1,000

    500

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    1,000

    750

    500

    1,000

    750

    500

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    3,000,000

    2,000,000

    1,000,000

    0

    0

    0

  • Third Party Liability Excess
    Third Party Liability Excess Explanation
    Cover Type Icon

    250

    250

    250

    0

    0

    0

  • Cruciate Ligament Rupture
    Cruciate Ligament Rupture Explanation
    Cover Type Icon

    12,000

    7,500

    3,000

    12,000

    7,500

    3,000

  • CT/MRI Scans
    CT/MRI Scans Explanation
    Cover Type Icon

    12,000

    7,500

    3,000

    12,000

    7,500

    3,000

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    100

    100

    100

    100

    100

    100

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    2,000

    1,000

    500

    2,000

    1,000

    500

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

  • Emergency Boarding Fees
    Emergency Boarding Fees Explanation
    Cover Type Icon

    2,000

    1,000

    500

    2,000

    1,000

    500

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    3,000

    3,000

    0

    3,000

    3,000

    0

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    500

    500

    0

    500

    500

    0

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    2,000

    2,000

    0

    2,000

    2,000

    0

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    12,000

    7,500

    0

    12,000

    7,500

    0

  • Loss of Pet Passport
    Loss of Pet Passport Explanation
    Cover Type Icon

    500

    500

    0

    500

    500

    0

  • Accidental Damage to Property
    Accidental Damage to Property Explanation
    Cover Type Icon

    750

    500

    250

    750

    500

    250

  • Personal Accident (Pets)
    Personal Accident (Pets) Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cremation
    Cremation Explanation
    Cover Type Icon

    100

    100

    100

    100

    100

    100

Sample Quotes from John Lewis Pet Insurance.

Listed below are some Sample Quotes offered by John Lewis Pet Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Medium

Group: Mongrel

John Lewis Travel Insurance Review
Product Rating

Experience Rating

Premier

100

Lifetime Maximum Benefit 12,000

Complimentary Treatment 2,000

Dental 12,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,000

Third Party Liability 3,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Medium

Group: Mongrel

John Lewis Travel Insurance Review
Product Rating

Experience Rating

Premier

100

Lifetime Maximum Benefit 12,000

Complimentary Treatment 2,000

Dental 12,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,000

Third Party Liability 3,000,000

1442.52

Full Details

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Medium

Group: Mongrel

John Lewis Travel Insurance Review
Product Rating

Experience Rating

Plus

100

Lifetime Maximum Benefit 7,500

Complimentary Treatment 1,000

Dental 7,500

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 750

Third Party Liability 2,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Chihuahua (Smooth Coat)

Group: Toy

John Lewis Travel Insurance Review
Product Rating

Experience Rating

Essential

100

Lifetime Maximum Benefit 3,000

Complimentary Treatment 500

Dental 3,000

Death from Accident 500

Death from Illness 500

Theft or Straying 500

Advertising and Reward 500

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Medium

Group: Mongrel

John Lewis Travel Insurance Review
Product Rating

Experience Rating

Plus

100

Lifetime Maximum Benefit 7,500

Complimentary Treatment 1,000

Dental 7,500

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 750

Third Party Liability 2,000,000

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Moggie

Group: Moggie

John Lewis Travel Insurance Review
Product Rating

Experience Rating

Premier

100

Lifetime Maximum Benefit 12,000

Complimentary Treatment 2,000

Dental 12,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,000

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Moggie

Group: Moggie

John Lewis Travel Insurance Review
Product Rating

Experience Rating

Premier

100

Lifetime Maximum Benefit 12,000

Complimentary Treatment 2,000

Dental 12,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,000

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Moggie

Group: Moggie

John Lewis Travel Insurance Review
Product Rating

Experience Rating

Plus

100

Lifetime Maximum Benefit 7,500

Complimentary Treatment 1,000

Dental 7,500

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 750

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Moggie

Group: Moggie

John Lewis Travel Insurance Review
Product Rating

Experience Rating

Essential

100

Lifetime Maximum Benefit 3,000

Complimentary Treatment 500

Dental 3,000

Death from Accident 500

Death from Illness 500

Theft or Straying 500

Advertising and Reward 500

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Moggie

Group: Moggie

John Lewis Travel Insurance Review
Product Rating

Experience Rating

Plus

100

Lifetime Maximum Benefit 7,500

Complimentary Treatment 1,000

Dental 7,500

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 750