John Lewis Pet Insurance Review

John Lewis Pet Insurance

If you’re not an animal lover (that is to say cats and dogs), you’re on the wrong page! If you are an animal lover – welcome! You’re just about to find out all about John Lewis pet insurance and how it can make sure your furry friend or friends are well looked after should they become ill or suffer and accident.

It doesn’t matter if you have a one eared “moggy” or a pure bred pet that cost you a small fortune to buy; this company has an insurance policy to help. OK, so you might know John Lewis better for the marvellous department store that it is. However, they’re already proving to be a reliable source for all types of insurance.

OK, less waffle and more information on what a John Lewis pet insurance policy can do to make sure little Tiddles the Persian or Rex the Labrador get the care they need, when they need it!

The first thing I’d like to mention is the fact that John Lewis offer something called long-term cover for pets which isn’t that common. Other companies will either limit you to the amount of time you can claim for a health condition or, how much you can claim.

No! This company has thought long and hard about what pet owners want from their insurance and they’ve done away with these restrictions. So, if your cat gets stung by a bee, or you have a dog that’s developed an illness that needs long-term care they will cover them.

The other option John Lewis pet insurance offers that I have rarely seen anywhere-else is the level of cover you can choose. In fact, they have three separate options: Essential, Plus and Premier. Of course, the higher the level of cover, the more it will cost but this does help if you have a breed of cat or dog that can develop complicated health issues.

So, let’s take a look at each one in turn.

Essential Pet Insurance

Being an animal lover myself, I certainly think pet insurance is “essential” so I think this level of cover has been very aptly named! This is what you get:

  • Vet fees and dental care treatment is paid up to £3,000.
  • For accidental damage (to other people’s property not your pet) is limited to £250.
  • You get complimentary treatment up to £500.
  • You’re provided with what John Lewis pet insurance call their free “vetfone” helpline which is at your disposal 24 hours a day. After all, your four legged friend doesn’t make an appointment to get ill!
  • Stolen or lost pets, death from illness or from an accident is all covered to the tune of £500.
  • If you need special food for treatment, you get up to £250.
  • For dogs only (and it’s kind of obvious why), you get up to £1 million third party liability. If you’re not sure what this means let me tell you. If your dog is involved in an altercation that causes injury or (in the worst case scenario), death to another person you’ll be covered for legal and damage costs.
  • The last one on this policy covers you if (God forbid) your pets goes missing. John Lewis will pay up to £500 for advertising and/or the offer of a reward.

Plus Pet Insurance

This is the middle of the range on the pet insurance policies John Lewis offer, and you get everything mentioned above “plus”:

  • Holiday cancellation up to the value of £3,000.

Of course, the amounts you’re covered for each point above also go up!

Premier Pet Insurance

This policy comes with the highest price tag, so it all depends on how much it’s likely to cost you for things like vet fees, dental care any of the other “essentials” mentioned. For example, both vet fees and dental care shoot up to £12,000 and third party liability for your dog is a whopping £3 million!

Restrictions

You may think the John Lewis pet insurance policy is too good to be true, and whilst they offer many benefits lots of the other companies don’t there are still certain restrictions to think about. For instance, if you have a dog that’s registered under the dangerous dogs act they can’t offer you a policy. This comes into force even if your dog is a mix or cross breed.

If you’ve been shopping around for pet insurance, you might well be aware there can be age restrictions. John Lewis will only cover your cat or dog from the age of eight weeks. Surprisingly, there isn’t an upper age limit however, if your pet is older than nine the death from illness cover isn’t available.

Other Considerations

If your pet has a pre-existing health condition, don’t expect to get cover for it. Even if your pet’s illness is hereditary or congenital John Lewis still won’t cover you. You can still get a policy with them, it just means care for the condition they already have will come out of your own pocket.

If your pet has reached the age where he or she needs to be neutered, this also isn’t covered. In fact, any routine exams or “elective” treatments will have to be paid for by you and this includes dental as well as general health.

Don’t Be Put Off

Some of you may think the last two paragraphs make the John Lewis pet insurance policy a little shall we say, stingy! However, these are standard and you’ll find them with pretty much all other companies on the market.

In fact I think they’ve more than made up for it by offering three different levels of cover as well as long-term insurance. Plus, you’re dealing with a company that’s underwritten by Royal Sun Alliance and you can’t get much more respected than that!

Just as a final thought (and I’m sure this may have crossed your mind), if you have more than one pet and insure them all with John Lewis you will receive a 5% discount. Perhaps that’s enough not to put you off!

 

 

 

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