Review: John Lewis Finance Pet Insurance

Irina Wells
7 March 2022 - 4 min read

John Lewis is a British institution. Founded in 1864, the department store is well-known and widely respected, and the retailer now offers financial services, including home, pet and car insurance.

  • John Lewis Finance offers three pet insurance cover levels ranging from £3,000 to £12,000 of vet fee cover. All are lifetime policies.
  • It offers a 24/7 Vetfone helpline.

Get a quote from John Lewis here.

We were voted Pet Insurance Provider of the Year in the 2021 MoneyFacts Consumer Awards.

Dog with star frisbee
Dog with star frisbee

How does John Lewis compare to ManyPets?

All ManyPets pet insurance and John Lewis vet fee policies are lifetime, which means the vet fee cover level resets every year you renew so it can cover ongoing illness and conditions throughout the lifetime of your pet.

At ManyPets, our Complete policy has £15,000 of vet fee cover, which is £3,000 more than John Lewis's highest cover level of £12,000.

Lower cover levels are available if needed. We have Regular and Value policies that provide £7,000 and £3,000 of cover respectively. With John Lewis you can choose £7,500 of cover on its Plus policy or £3,000 with Essential.

One of the differences between ManyPets and John Lewis is that ManyPets offers policies can cover conditions that ended more than two years ago. We also have a policy that can cover pre-existing conditions as long as they haven't needed treatment or advice the three months before the policy starts.

We've also removed the 14-day waiting period for claims for people switching to our policies. John Lewis, along with many other pet insurers, have a 14-day exclusion period before a claim can be made, even if someone has switched to their cover. Both providers have a waiting period for new customers who were not covered immediately before taking a policy.

Both John Lewis and ManyPets most comprehensive policies also include cover for dental accidents and illness, complementary therapies, loss, theft and death.

ManyPets has a 15% multi-pet discount (our multi-pet discount is not currently available on our Value 2k policy), which is higher than the 5% multi-pet discount provided by John Lewis.

If you're worried about your pet and need quick advice, John Lewis customers can access their free 24-hour Vetfone helpline. Any questions or concerns can be discussed with a UK qualified veterinary professional who will be available to help.

ManyPets offers all customers free video calls with UK vets that can be made 24/7 through its partnership with FirstVet. Video calls let the vet see any issues with the pet so they can offer treatment recommendations or a referral to a vet.

We've compared the top levels of cover that we and John Lewis offer. The table uses our Complete policy in comparison to John Lewis's Premier policy.

ManyPetsJohn Lewis
Highest level of vet fee cover£15,000 (Lifetime)£12,000 (Premier)
Access to free video vet appointmentsYes  (24/7 video vet calls through First Vet)No (Does have a 24/7 Vetfone helpline)
Claims waiting period is removed if you switch to the providerYesNo (14-day waiting period)
Lifetime coverAll policiesAll policies
Excess payableOnce per yearPer new condition
Multi-pet discountYes - 15%  (our multi-pet discount is not currently available on our Value 2k policy)Yes - 5%
Cover for dental accidents and illnessYes (Up to full vet fee limit)No (Only accidents)

How much does pet insurance from John Lewis Finance cost?

With almost all pet insurance companies, the cost of pet insurance varies widely depending factors like the age and breed of your pet, and which part of the UK you live in.

It's best to get a quote to see your price or read our guide to the cost of pet insurance.

Get a quote from John Lewis here

John Lewis pet insurance promo code and discounts

We could not find any promo codes for John Lewis Finance online.

John Lewis pet insurance underwriter

John Lewis Finance pet insurance is one of a number of brands underwritten by RSA, one of the world's largest insurance companies. (The other pet insurance brands RSA underwrites include More Than and M&S). That means that the underlying features of the product may be similar to what you would get from other RSA-backed brands.

Does Buster the Boxer have John Lewis Finance Pet Insurance?

John Lewis are famous for their Christmas adverts. John Lewis' Christmas Advert in 2017 starred Moz the monster (who'd frankly struggle to get insurance), but the big star was Buster the Boxer the internet trampolining sensation, who featured in the 2016 Christmas advert. But was he insured?

Assuming Buster was three years old, neutered, and that his humans lived in South London, the cost of John Lewis Pet Insurance for Buster based on prices in March 2022 was:

Essential: £94.25 per month Classic: £142.38 per month Premier: £173.62 per month

(It's worth noting that Boxers are one of the most expensive breeds to insure.)

If Buster had hurt himself on the trampoline, it's possible that RSA (John Lewis Pet Insurance's underwriters) might have contested the claim under the following clause in the policy wording: "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."

Get a quote from John Lewis here.

Pet insurance with up to £15,000 vet fee cover.

Dog and cat
Dog and cat