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John Lewis: Pet insurance reviews

Name: Pet insurance
Rating: 2.65 (48 reviews)

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2.65

Based on 48 reviews, last reviewed 10th Jul 2026

100% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

13%

79%

Latest highest rating:

5

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

Latest lowest rating:

1

Dreadful - avoid Very slow to assess claims. Using spurious delaying tactics. Our previous experience was excellent but John Lewis Pet Insurance recently changed thei... Read more Reviewed on: 10th July 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 (48)

No Claims but 80% Increase in Premium

WE have 2 Labradors, both currently in good health, and neither have had claims made in the last insurance year, however, John Lewis have decided to make fantastic increases in the Insurance Premiums of each. Last August (2024) we re-insured one Lab and the Premium rose from £249 to £376, which was bad enough, but this week (April'25) we received a letter from John Lewis Insurance telling us that they made mistake and the Premium should have been £447.66, "but don't worry, we don't have to pay the difference"! Unbelievable! We won't be re-newing again. Reviewed on: 11th April 2025

Chihuahua x never once claimed in 6 years and price...

Chihuahua x never once claimed in 6 years and price gone up 50 per cent. I asked why - 1 year older and i live in London. I went with John Lewis because of the reputation but its appalling- customer services was fobbing off. Not interested at all. Couldn’t explain is shorter life dogs were even higher premiums. Told if I went on line even with John Lewis that they wouldn’t honour it. Don’t be scammed. Just find an insurer who wants to insure your pet. John Lewis don’t. Very sad Reviewed on: 1st April 2025

John Lewis Pet Insurance - SCAM!

John Lewis Pet Insurance - SCAM! Paying policy for over a year refused to pay out for £150 as apparently was a pre-existing condition even though it wasn't. DO NOT WASTE YOUR MONEY. Reviewed on: 3rd February 2025

50 % Increase For No Reason

Just got my renewal cover sent to me, 50% increase then there has never been a claim and my dog is still young and healthy. John Lewis are just ripping of dog owners to fill the gaps in their P&L Reviewed on: 8th November 2024

Only use if you're never going to make a claim

Refuse to pay our claim. First they stated 'we've carried out a full review of your request and are unable to accept your claim as you were not insured with us for the previous year. When we proved to them we had been with them continually for the previous 12 months,they then came back two weeks later stating they can't pay our claim as it is linked to a previous condition. The claim I made has nothing to do with a previous condition. They have not answered any of our questions in our emails. They have no one available to discuss our case over the phone and promise callbacks that never happen. This bunch of con artists are riding on an old and formerly trust brand. The Pet insurance is underwritten by Royal & Sun Alliance. so I will do my best to stay well clear of both of these rip off merchants Reviewed on: 1st October 2024

Disgusted my policy has doubled

Disgusted my pet insurance has doubled after being a loyal customer I have been a customer for 3 years and have struggled each year to keep the price down ...but this year its doubled and I have never claimed .I have the premier cover and feel that I am being totally ripped off .and the customer service team who told me it would be cheaper to go on line and buy it as a new policy should be ashamed why carnt you look after your customers who dearly love there pets but refuse to be ripped off . Reviewed on: 16th September 2024

Very poor product and customer service from John Lewis

As a loyal John Lewis customer we were really disappointed by their pet insurance. The price seemed good but it turns out they are unwilling to pay out for claims, and use any excuse to avoid it. Communication is awful and slow too, and I've wasted ours trying to make a perfectly legitimate claim. No where near the standard of other pet insurance we've used. Really disappointed in this service from John Lewis. Reviewed on: 19th August 2024

in our experience they use any excuse not to pay claims

in our experience they use any excuse to try and get out of paying any claims, not communication just poor all round, puts the John Lewis Brand to shame Reviewed on: 14th June 2024

70% increase from last year despite NO CLAIMS.

4 year old Border Collie. No claims. Healthy and active. JL has just increased my premium by 70%. Absolutely furious about such an unwarranted hike. The industry should be monitored and increases capped when NO CLAIMS have been made. Reviewed on: 29th May 2024

Dick Turpin is now selling pet Insurance !

At renewal John Lewis have more than DOUBLED my pet insurance for my little cat wanting over £600 for the year. I had one claim for £85 so expected a small increase but this is daylight robbery. In fact I suggested they now take to standing by the road in a mask, brandishing a pair of pistols. I have told them to cancel my policy at renewal and I’ll just pay as and when Oscar needs medical care. Absolute money grabbing charlatans ! Reviewed on: 19th March 2024

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