There are different types of pet insurance available. Some cap the total amount you can claim for each condition, others limit you to a year of treatment for a condition. Pet life insurance.
Pet Insurance from John Lewis Finance only offers Lifetime Cover. This means, if you're insured with us and your premiums are paid, you could claim for a one-off mishap such as a cut paw or an illness such as diabetes which needs treatment every year, or both.
We offer three levels of cover so you can choose the level of veterinary fees you'll have to use for the treatment your pet needs.
If your policy is renewed every year, we won't put a time limit on how long treatment can last and we'll pay up to your chosen vet fee limit each year that you need it.
We provide cover for dogs and cats from eight weeks old, and there is no upper age limit, though benefits do change for pets over nine years old.*
Life insurance personal
We don't offer cover for the ‘types’ of dogs that should be registered under the Dangerous Dogs Act 1991 and the Dangerous Dogs (Northern Ireland) Order 1991 or any subsequent amendments (whether pedigree, cross-breed or mixed breed):
Additionally, we don't offer cover for:
American bulldog and other breeds which are not on our breed list
Dogs used in connection with any profession, occupation or business
*You will not be able to claim for vet fees as a result of an accident in the first 48 hours of cover, or for any changes in your pet's health or behaviour in the first 14 days of cover. Death from illness cover is not available for any pets aged 9 years and above.
You can choose to pay excess of £60, £80, £100, £140, £250 or £500. This amount is for each condition, for each period of insurance.
For pets aged 9 years or older, the excess is as above or 20% of the treatment costs, whichever is higher.
For Third Party Liability cover (dogs only), £250 excess applies to loss or damage to property.
American income life insurance company
Note: Increasing your excess may help to reduce your premium.