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John Lewis Pet Insurance – Our Verdict

john-lewis-pet-insurance-review-ratingWe have given John Lewis a rating of 4.0/5.  Here we explain how we arrived at this rating and why John Lewis didn’t score 5/5!

Many organisations unfortunately do not reveal how they reach their rating.  We are doing so because our aim is to provide you with as much information about pet insurance policies as we can and so you can make your own judgement. 


Policies 4/4
Benefits and Small Print 3/3
Renewal Premiums 0/3
Customer Satisfaction 3/3
Excess and Contribution 2/2
Total out of 15 12
Star Rating out of 5 4.0


John Lewis have a good range of policies including lifetime policies with high levels of cover.   

Benefits and Small Print  

John Lewis’s policies include cover for euthanasia, prescription food and dental treatment (accidental injury only).

The death or loss benefit payable is based on the purchase price of your pet (rather than market value and/or use of a sliding scale).

In our opinion the small print is “clean” by which we mean we found very few other non-standard exclusions. 

Renewal Premiums

Our research found many reviews complaining about high renewal premium increases.   Unfortunately this seems to be common for many of the policies underwritten by RSA. 

Customer Service 

On the other hand most people seem very happy with customer service and claims handling   More about John Lewis’ customer reviews.

Excess and Contribution

The fixed excess is low at £60 per condition per year.  (The average across all pet insurance providers is about £75-£80).   You can though opt to increase the excess to a maximum of £500 in return for a lower premium.     You do not though have to pay a percentage of the vet fees until your pet is 9 years old. 

More Information

More About John Lewis


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