John Lewis Pet Insurance Review: Best Dog Insurance (UK)

John Lewis is noted as one of the best dog insurance companies around. They have excellent offers and deals available, as well as brilliant general coverage. They are a company that is trusted by many and known for their good values, so it is not surprise that their insurance is no different. Of course, it can be a little overwhelming to choose insurance as every company says that they can offer you the best deals. That is why this series of guides can help you to choose the best insurance for you and your dog. Take a look at the John Lewis pet insurance reviews below to see if it is the right choice for you.

What Pet Insurance Policies Do John Lewis Offer for Dogs?

John Lewis offers three different policies, which is a good number to choose from. To help you understand each policy better, as well as what each of them can offer you, we have listed each of them here, along with the main things they cover:

First, you have the essential cover. This tends to be the cheapest form of coverage available, and is have good coverage of all the bare necessities. Here’s what you can expect it to cover:

  • Up to £3,000 of cover.
  • Death from accident up to £500.
  • Death from illness up to £500.
  • Accidental damage up to £250.
  • Loss or theft up to £500.
  • Public liability of £1 million.
  • 24-hour vet helpline.

Next, you have the essential coverage. This is a little more expensive than the essential only plan, but it does include more in terms of protection against illness and accidents. Here is what you can expect it to cover:

  • Up to £7,500 of cover.
  • Death from accident up to £1,000.
  • Death from illness up to £1,000.
  • Accidental damage up to £500.
  • Loss or theft up to £1,000.
  • Holiday cancellation up to £3,000.
  • Public liability of £2 million.
  • PitPat dog activity monitor.
  • 24-hour vet helpline.

Finally, you have the premier plan. This tends to be the most expensive form of coverage, but it does offer you a lot more in terms of protection. Here is what you can expect it to cover:

  • Up to £12,000 of cover.
  • Death from accident up to £1,500.
  • Death from illness up to £1,500.
  • Accidental damage up to £750.
  • Loss or theft up to £1,500.
  • Holiday cancellation up to £3,000.
  • Public liability of £3 million.
  • PitPat dog activity monitor.
  • 24-hour vet helpline.

What Does John Lewis Pet Insurance Include?

If you look at the above section, we have taken a look at each of the insurance policies offered by John Lewis, as well as a little more detail with regards as to what they offer. Of course, choosing the right policy and insurance is not an easy task, and so in this section, we give you a rough idea of what you can expect from John Lewis insurance for dogs. It is important to remember that this list covers all of the policies and the actual amount will depend on the coverage you choose.

  • Up to £12,000 of cover.
  • Death from accident up to £1,500.
  • Death from illness up to £1,500.
  • Accidental damage up to £750.
  • Loss or theft up to £1,500.
  • Holiday cancellation up to £3,000.
  • Public liability of £3 million.
  • PitPat dog activity monitor.
  • 24-hour vet helpline.

The coverage of vet fees also includes the following conditions: behavioural issues, food treatment, and complementary treatment such as physiotherapy. A full list of coverage can be found on the John Lewis website if you are interested in reading before you get your quote.

What is the Cost of John Lewis Insurance for Dogs?

There are a few factors that will affect the amount that you are quoted, and this is something that you will find occurs with all insurance companies, including John Lewis. To help give you a better idea of the factors that could affect the amount you are quoted, we have listed the key criteria here for you:

  • Age
  • Breed
  • Sex
  • Any existing illnesses
  • Whether or not they have been neutered/spayed
  • The postcode of the owner

We got a quote from John Lewis to give you an idea of the cost of pet insurance from them. To make things easier, we have selected insurance for a neutered male Labrador that is three years old and lives in Basingstoke. Here is what we got:

  • Essential: £31.83 per month (up to £3,000 of cover).
  • Plus: £49.34 per month (up to £7,500 of cover).
  • Premier: £58.99 per month (£12,000 of cover).

Making a Claim on John Lewis Pet Insurance

The John Lewis website explains their claims process in three simple steps. It is not the fastest system, but it is an efficient one. Here are the three steps you need to follow to make a claim on John Lewis insurance.

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#1 Call John Lewis up on the provided telephone number and talk through your claim with them. They will take your details and make a note of what you are looking to claim. Alternatively, you can download a form from their website. If you choose the latter option, skip the second step.

#2 In this step, the claims handler will go through everything with you, including the amount of excess to be paid and help you to start the claims process. They will ask for details of your vet, the condition that your dog is suffering from, and other relevant information.​

#3 The final step is that the claims handler will send you a form to fill out. Alternatively, you may have already done this and completed it. Once this is done, you can return the completed form, and the claim will be assessed. Once approved it can either be paid directly to you, or to your vet if you have a prior agreement.

The Pros and Cons of John Lewis Pet Insurance

Here are some of the advantages and disadvantages that come with using John Lewis pet insurance to protect your dog.

Pros

  • Good number of policies to choose from.
  • Excellent levels of coverage, especially with vet fees.
  • Excellent customer satisfaction rates.
  • Excellent customer discounts.
  • Free gift with two of the three policies.

Cons

  • Is more expensive than some other providers.
  • The claims process is a little slower than other providers.

John Lewis Pet Insurance Discount Codes

John Lewis does have a section for promotional codes when you go to get your insurance quote. However, we could not find any online at the moment, so it is worth keeping an eye out and perhaps signing up to their newsletter for the latest discounts and special offers.

If you have multiple pets in your household, John Lewis offers a 5% multi-pet discount. You can register up to three at one time online, and if you have more, you can call them up to have them all registered. While the multi-pet discount isn’t as large as other companies, it is still quite a good deal.

When you get your quote, and buy your insurance online, you can receive between 10% and 20% off your quote. This amount can vary depending on the offer that is present at the time. Our research shows that it can vary between the two percentages, and so it might be worth waiting for the larger offer to become live again.​

While this is not a discount code, it is a pretty cool free gift. If you purchase either the plus or premier insurance, you are eligible to receive a PitPat fitness tracker for your dog completely free of charge. If you are wondering what this is, think Fitbit for dogs. It monitors how long they have been running and playing so that you can keep track of their energy levels and how much exercise they need. It’s a pretty nifty freebie.

Customer Reviews

John Lewis pet insurance does not have a great deal of reviews online from customers. As a result, it can be slightly harder to decide if they are right for you – even though they have very favourable reviews. However, to help give you a general idea, we have gathered the overall ratings John Lewis has been given by its customers for you to look at. Here they are:

  • Pet Insurance Guide has rated it at 4/5.
  • Money has rated it at 4.4/5 with around 300 customer reviews.

To Conclude

Hopefully, this little guide to John Lewis pet insurance has helped you to understand their policies a little more, as well as give you an idea of what you are looking for from an insurance company. A trusted and reliable company, you can’t go wrong with insurance from them. They offer some excellent policies and coverage, as well as a process that is easy to follow. With excellent customer service and some brilliant offers and discounts, we are happy to give this insurance provider 4.5/5 as our rating.

What did you think of our guide to John Lewis pet insurance? Is there anything you would have added? We love hearing from you, so let us know in the comments below.

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