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John Lewis: Pet Insurance reviews

Name: Pet Insurance
Rating: 1.5 (38 reviews)

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1.28

Based on 38 reviews, last reviewed 11th Apr 2025

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

81%

Latest highest rating:

5

Great help renewing policy Adam helped me massively to renew my policy. We had quite a few technical issues, but he was able to help me overcome them. Will continue to use J... Read more Reviewed on: 20th October 2023

Latest lowest rating:

1

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 m... Read more Reviewed on: 11th April 2025

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About this product

With such a large volume of providers on the market, finding the right policy to protect your pet can be daunting. At Smart Money People, we aim to make this process simpler for you. We collect John Lewis pet insurance reviews to help you make an informed decision when choosing your new provider.

John Lewis provides pet insurance policies for cats and dogs. Choose between cover for an annual online health check, or Lifetime cover. Lifetime cover has no upper age limit and comes with benefits such as dental treatment, behavioural treatment, complementary therapies and more. Policyholders can choose from a variety of flexible vet fee cover options without impacting the other policy benefits.

If John Lewis sounds like the right insurer for you, check out customer reviews to gain further insight into the provider. Find out how satisfied customers have been with their policy and how comprehensive they’ve found it to be. Learn about the pros and cons policyholders have experienced throughout their pet insurance coverage. Read all of this and more in our John Lewis pet insurance reviews.

If you’ve had a pet insurance policy with John Lewis, leave an honest review to help other pet owners just like you. Tell us what animal you insured and how satisfied you have been with the cover you’ve received. Did you find the price of your premium to be reasonable for the level of cover provided? Would you renew your policy and recommend the provider to family and friends? Whether good or bad, write a John Lewis pet insurance review today.

John Lewis Pet Insurance reviews (38)

Review of the John Lewis, Pet Insurance:

Helpful friendly service

One of our cats recently went missing for a couple of nights, which is highly unusual. I called John Lewis and they said my policy covered advertising and a reward. I started to take them up on this offer and the gentleman on the call was extremely helpful and understanding of the situation. Fortunately a couple of hours later i found the cat trapped down a hole a few streets away, so i didn't need to use the advertising or reward money offered by my policy. Just knowing it is there and can be used in this instance is very good and the staff were extremely friendly. Reviewed on: 22nd August 2016

Refusal to pay claims

Our experience echoes many that are already posted on this site, that when we needed to make a claim, John Lewis Finance presented a series of different reasons for declining this without providing any evidence. The policy is underwritten by Royal Sun Alliance and certainly not what you would expect from the John Lewis brand. We would certainly not recommend. It might look competitive but ultimately, if a policy doesn’t honour claims, what is the point? Reviewed on: 1st October 2023

Always find ways out

We’ve had to claim twice now for our dog, and both times they have found excuses not to pay. The most recent excuse was because the two trips we took to the vet (for the same illness!) supposedly ran across two separate ‘policy years’ - meaning we had to pay two separate excesses for each vet bill, rather than treating them as a single claim!! Ridiculous considering they continue to put our premium up. What are we even paying for if they won’t pay out on claims? Will be leaving them and choosing a different provider. Avoid! Reviewed on: 28th September 2023

Atrocious service

We have always used them for pet insurance and they were brilliant for our last pooch who had a rare cancer, prompt payment and didn't raise the premiums excessively. Now, with our new dog, premiums raised by 25%, atrocious website and almost impossible to get in touch. Really useless. Reviewed on: 25th August 2023

Beware high premiums and old age cut-offs

When we got a puppy ten years ago we took out a lifetime "Plus" policy, deciding to go with John Lewis above cheaper competitors due to the excellent customer service that goes with that name. In his first year we had to make two claims when our dog had a couple of 3 day residential stays with the local vet due to gastric issues. He fully recovered from these with no recurrence, and John Lewis settled the claims minus excess, as expected. However, despite no further claims in the following years, as the dog got older the premiums really ramped up, going from around £37 per month at the age of two, to £100+ at the age of six, then up to £180 per month by the age of ten. Obviously we considered cheaper insurers but having a lifetime policy with a company of John Lewis's reputation, which still covered the pre-existing conditions from when my dog was young, we decided to stump up the extra and carry on paying top dollar to ensure he had full cover. Unfortunately a couple of weeks ago my dog suddenly fell ill; the vet did ultrasound, on-site blood tests, and visual examinations, etc., but sadly ended up having to put our dog to sleep and arrange cremation. The bill for all of the above came to over £1200. On submitting a claim to John Lewis we were expecting to pay the 20% excess specified in the policy document (standard when a dog is over nine years old, apparently). However, in their claim settlement they had broken down the itemised vets bill into the individual treatments listed and, quoting our dog’s age, had completely declined to pay for some bits and only paid a fraction of the others. We were left with £800 to pay ourselves. So if have an older animal and you’re renewing a high-premium pet insurance policy with John Lewis, make sure you’re aware of the age-related cover cut-offs and the ridiculously small cover limits for individual and specific vet treatments. This experience with John Lewis pet insurance has left us feeling grubby and used, but we hope this information helps someone. Reviewed on: 13th August 2023

Avoid - read reviews

Poor experience. We have paid for 2 years and have not made a claim. We have now moved house and they are charging a large premium as a result of the postcode change. Our previous house had no driveway, poor security and the front door opened straight out onto a busy road. Our new house is a 2 minute walk away from the previous house (no change to Vet catchment area / local area), but has good security, a driveway and is located in a much quieter col-de-sac. John Lewis are trying to charge us significantly more and even used a 'busy road' as an example of why this might happen in the generic response they sent us. Reviewed on: 7th November 2022

Disgusting Service

Sorry but will never use or recommend them again (and have recommended in the past). Had a claim which was paid quickly and saved our dogs life - so far so good as it's what we pay for and thanks for the quick turn-around. However, dog is only 6, made full recovery and has no expected risks now from the surgery, yet John Lewis put our monthly charges up from £90 to £149!! We've moved to Many Pets for a much better service. Reviewed on: 11th October 2022

Increased to a huge amount

Started at £30 a month 2 claims in 8 years now a extortionate amount of £400 a month avoid as huge increases if you claim or not. Reviewed on: 6th October 2022

dental care

we have a 5 year old dog who had 2 impacted teeth, when applying for the cover this was not an issues and online dental care was for 7500max. it was not clear online that we would only be covered for removing baby teeth if the dog was less than 16 weeks old and only covered for accidental damage. pointless going for the higher cover as the lower level cover would not reach the levels they show. just to know the cover the offer online does not clarify this issue really poor shame on John Lewis waste of time. Reviewed on: 28th September 2022

Avoid like a plague

Please Please stay clear of John Lewis pet insurance. They are happy to take you're money but won't pay anything back. Been with this company 3 years now. Vet made my very first claim and they have refused. Totally ignorant on the phone also. Please use another company John Lewis is a joke Reviewed on: 13th July 2022

Fifty percent premium hike

Got my renewal offer from JL for my one year old Bichon Frise with no claims. Premiums have increased by exactly 50%. Outrageous. The customer service advisor I called didn’t even try to explain or defend it but tried to get me to increase the excess to £500 to “reduce it slightly”. I have cancelled and taken out a new lifetime policy with More Than at a reduced premium for better cover - and still with RSA. I thought the practice of penalising existing policy holders was illegal? Reviewed on: 23rd February 2022

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