- John Lewis Finance has been independently reviewed by both Which? and Defaqto as one of the very best pet insurance providers
- John Lewis Premier is high in our list of the best pet insurance policies for dogs
- There is a 10% discount when you buy online
Overview of the cover provided by John Lewis Finance Pet Insurance policies
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.
The most distinctive feature of John Lewis Finance's pet insurance policies is that all three of its levels of cover are "lifetime" policies. This means they continue to pay out even if a pet's medical condition lasts for a number of years (John Lewis Finance calls this "long term cover"). By contrast, many cheaper, more basic pet insurance policies will only pay out for 12 months.
As a result, deciding between the three policies – Essential, Plus and Premier – mainly boils down to how much vet bills cover you want for your pet - £3,000 per year with Essential, £7,500 a year with Plus, or £12,000 a year with Premier.
If you're not sure how much cover is appropriate, your vet will be able to give you a view on what the likely costs of treatment for a pet like yours would be.
Other features of the policies include dental care, accidental damage cover, cover for death from accident or illness, third party public liability cover (for dogs only) and cover for complementary therapies. As you would expect, the amount of this cover is higher for the more expensive and highly-rated Plus and Premier policies.
John Lewis Finance might be able to offer a multi-pet discount of 5% if you are insuring more than one pet.
Find out more about John Lewis Finance's pet policies online.
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.
Find out how much your quote is on the John Lewis pet insurance site.
John Lewis pet insurance promo code and discounts
We could not find any promo codes for John Lewis Finance online. However, new customers can get 10% off cover if they buy their policy online.
What We Say
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, Argos, Homebase, Tesco, M&S, and the RSPCA). As a result, the underlying features of the product, along with the assessment of any pet insurance claims, and the customer service you receive, is likely to be similar to what you would get from other RSA-backed brands.
What John Lewis Finance Insurance Customers Say
John Lewis Insurance is rated 2.64 out of 5 on Reviews.co.uk based on over 140 reviews by customers, of which 41% say they would recommend John Lewis Insurance to other people. On Which?, John Lewis scores 3rd out of 13 pet insurers based on customer feedback with a general customer score of 57%.
John Lewis Insurance is rated 2.21 out of 5 on Reviews.co.uk based on over 214 reviews by customers, of which 29% say they would recommend John Lewis Insurance to other people.
On Which?, John Lewis scores 4th out of 10 pet insurers based on customer feedback with a general customer score of 55%.
Over on Trustpilot, John Lewis Finance scores 1/5 and is rated as bad by 160 reviews.
How does John Lewis Pet Insurance compare to other pet insurance policies?
When reviewed for quality of cover, John Lewis Insurance undoubtedly offers some of the best pet insurance policies on the market. Have a look at our article Top Ten Pet Insurance to see how John Lewis stack up against the competition.
What the Expert Reviews Say
John Lewis Dog Insurance: Independent Reviews
Which? Review (Updated March 2019) Premier: 94% Plus: 85% Essential: 44%
Defaqto Review (2019) Premier: 5 Stars Plus: 5 Stars Essential: 4 stars
John Lewis Cat Insurance: Independent Reviews
Which? Review (Updated March 2019) Premier: 95% Plus: 87% Essential: 48%
Defaqto Review (2019) Premier: 5 Stars Plus: 5 Stars Essential: 4 stars
Note: For more information about the methodology used by Which? and Defaqto in their reviews, read our Best Pet Insurance for Dogs and Best Pet Insurance for Cats articles.
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 3 years old, neutered, and that his humans lived in South London, the cost of John Lewis Pet Insurance for Buster based on today's prices in March 2019 are:
Essential: £66 per month Classic: £103 per month Premier: £123 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."
However, I'd like to think they would be charitable. After all, it is Christmas.
Other Pet Insurance Reviews
This article on John Lewis Pet Insurance is one of a series of reviews of different pet insurance companies, and the policies they offer for dogs and cats.
