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John Lewis: Pet insurance reviews

Name: Pet insurance
Rating: 2.83 (50 reviews)

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2.83

Based on 50 reviews, last reviewed 15th Sep 2026

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

14%

78%

Latest highest rating:

5

Paid out nearly £12k in 10 months. Great service I had a completely different experience than most other reviews. Been insured for nearly 3 years., 2 cats for £240 per year and £360 the second year. ... Read more Reviewed on: 11th September 2026

Latest lowest rating:

1

LIFETIME COVER - WHAT A CON! I have used John Lewis to insure my pet dog Sid for several years. The premium started off quite reasonable. After the first year the premium almost d... Read more Reviewed on: 15th September 2026

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About this product

John Lewis pet insurance is provided by Royal & Sun Alliance Insurance Ltd.

There are six levels of vet fee cover and excess options with John Lewis pet insurance so you can pick what’s best for your circumstances. If your pet is over nine years old, you’ll need to pay 20% of the remaining vet treatment costs, on top of your excess.

John Lewis pet insurance reviews help you find out what it’s really like to be a customer. If you’ve used John Lewis before, you can also leave a review and share your experience.

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John Lewis Pet insurance reviews (50)

LIFETIME COVER - WHAT A CON!

I have used John Lewis to insure my pet dog Sid for several years. The premium started off quite reasonable. After the first year the premium almost doubled. Sid then was diagnosed with a degenerative spinal condition but I had lifetime cover so thought I would be OK. At the next renewal Sid’s premium more than doubled again to £103 per month, but he had turned 8, so they told me this was the reason for the large increase in cost. Halfway through the year Sid turned 9 and at this point they started charging me 20% of any claim made. 3 months later I have just been advised that Sid’s monthly premiums have increased to £186 pcm plus 20% of any claim made. No explanation of why the cost has increased by 80% in one year. HOW CAN THEY JUSTIFY THIS?? If they offer lifetime cover they should not be allowed to increase the cost so exponentially that my only choice is to cancel the insurance. Sid has an existing lifetime condition, so I will not be able to get insurance to cover this elsewhere. WHAT A CON! Reviewed on: 15th September 2026

Paid out nearly £12k in 10 months. Great service

I had a completely different experience than most other reviews. Been insured for nearly 3 years., 2 cats for £240 per year and £360 the second year. Sadly shortly after renewal one of my cats fell terminally sick with heart disease and passed a yesterday. Over the last 10 months John lewis has paid out nearly £12,000 in emergency vet fees and prescription fees. Every claim dealt with by the small animal hospital in Neston, I got emails when the claim was put in and with 48 hours another clarifying they had paid. I paid a very small portion and without John lewis insurance I would have had to say good bye to my beloved pet 10 months ago. I can not thank them enough. There was no trying to wiggle out of anything, it was simply paid. Thanks you again Reviewed on: 11th September 2026

Dreadful - avoid

Very slow to assess claims. Using spurious delaying tactics. Our previous experience was excellent but John Lewis Pet Insurance recently changed their provider and as a result service is appalling. Reviewed on: 10th July 2026

I would avoid at all costs.

I would avoid at all costs. They will do anything to avoid paying out. Reviewed on: 9th April 2026

renewal nearly 50% more this year - what a rip off

Just had my renewal through and it has gone from £304 to £434 an increase of £130 !!! no claims made . what a rip off . Cancelled and going elsewhere Reviewed on: 10th February 2026

I would not give any stars - scammers

I would not give any stars. The insurer was extremely rude and kept talking over me when I was trying to explain that my dog did not have any pre-existing condition. I will take it up with ombudsman as they really are scammers. I never thought that John Lewis would do anything like this but it seems that they will try to link anything to pre-existing condition just not to pay out. Absolute scammers Reviewed on: 22nd January 2026

DREADFUL COMPANT - AVOID, AVOID, AVOID

John Lewis Pet Insurance — now underwritten by Intact Insurance (a company I’d never even heard of) — is not worth the money. Do not bother. After just one year, my policy renewal increased by over 51%, despite the fact that my dog is young, has had no claims, no injuries, no illnesses, and no ongoing health concerns. When I queried this excessive increase, I was simply told, “your dog is older” — my dog is four years old. I raised a formal complaint and explicitly requested that it be escalated to a manager, only to receive a response from a complaints handler, not management. The reply was the same generic, scripted response, with no meaningful explanation or willingness to properly review the issue. This company clearly does not value loyal customers and hides behind boilerplate responses rather than taking accountability. Dreadful company. Avoid. Avoid. Avoid. Reviewed on: 5th January 2026

Ridiculous renewal price!

Renewal premium went from £504.20 to £1093.64! One small claim for less than £300. Cancelled immediately and found comparable cover for a fraction of the renewal cost. Reviewed on: 9th October 2025

Disgusting...a £500 hike in my premium - no claims!

a £500 hike in my premium for my healthy dachshund with no health conditions and no claims. The ethics of John Lewis needs questioning. They are daylight robbers. I won't be renewing with them for sure. Reviewed on: 23rd September 2025

great customer service, very helpful staff

great customer service, very helpful staff Reviewed on: 15th September 2025

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