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John Lewis: Pet insurance reviews

Name: Pet insurance
Rating: 1.6 (45 reviews)

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1.49

Based on 45 reviews, last reviewed 22nd Jan 2026

100% decrease in 5 star reviews

in the past 90 days

33% decrease in 1 star reviews

in the past 90 days

11%

81%

Latest highest rating:

5

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

Latest lowest rating:

1

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-exi... Read more Reviewed on: 22nd January 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 (45)

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

At renewal they double the price, i have not made on...

At renewal they double the price, i have not made one claim and the dog is not even 2 years old. Its a total con reel you in with a reasonable price and double it at renewal. So next year with no claims i would be probably paying £100 a months if this year is anything to go by. Disgusting with john lewis putting their trusted name to this Reviewed on: 23rd February 2024

Accused me of Fraud - very rude - avoid at all costs!

I took out pet insurance for my kitten and a couple of days later she broke her leg. I paid upfront for all the vet costs and then claimed on my insurance. John Lewis's underwriters then told me they needed to do an investigation, 4 months later phoned me while I was very busy at work. The lady on the phone was extremely rude and told me she wasn't happy with what I told her and that she thought I had deliberately tried to Defraud them. I then got a letter 2 weeks later telling me I had committed Fraud and they were cancelling my policy with zero refunds. Not a good company at all. Heaven forbid you actually need to make a claim not long after you take out your policy! Reviewed on: 22nd February 2024

John Lewis premium increase rip off

We have just received JLewis renewal notice and the premium to pay has increased by over 72%.From £409.54 to £706.46 ! And this is for ONE healthy dog, a miniature schnauzer, with no claims whatever since we started health insurance about 7 years ago. She is just 8 and healthy, a member of our local vet's healthy club, (which we also pay for) in a healthy and safe part of the UK, lives well, inside and inside our large garden, is walked 3x per day, and is even given health supplements, and is very fast and fit. Both of us are home all day and she is looked after very well. Never again - we have spent perhaps over £3000 on her insurance, with not a penny claimed so we will now open a bank account, with a direct debit and insure our dog ourselves. It seems that once your dog is 9 or 10 premiums increase almost exponentially - and clearly John Lewis is no exception here. Realise the group is in a financial mess, but why punish those paying in insurance and getting nothing back. A total rip off - wish I could mark less than ONE star! Reviewed on: 16th January 2024

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