• John Lewis Cat Insurance Review

    by  •  • Insurance

    The John Lewis Cat Insurance product is provided by British multinational general insurance company Royal and John Lewis Insurance LogoSun Alliance, who John Lewis has carefully selected to team up with.  John Lewis chooses their partners to work with if they can deliver outstanding customer service to match the level John Lewis delivers.

    There are several different types of insurance policies John Lewis specialists in, such as: Home, specialist home, car, pet, wedding, travel, event and life cover.  We’ll be focusing on the John Lewis Cat Insurance product can offer.

     

    John Lewis Banner

     

    Available Cover Levels

    John Lewis Cat Insurance offers you three different levels of cover to suit your needs, the right level of cover for you does depend on several factors such as the breed and pedigree of your cat.  One benefit that applies to all the levels of cover is they all offer long term also known as lifetime cover.  Below we’ll briefly explain each level of cover available:

    Essential – The most basic and cheapest cover out of the three, but that’s not to say Essential won’t offer a sufficient level of cover as you’re still covered up to £3,000 vet fees per year, among many other benefits. 

    Plus – An average good all-rounder is the plus option, offering at least double the cover essential provides in most areas. 

    Premier – The most comprehensive cover of the three is the premier option, this option should be sufficient enough to cover all aspects but of course it’s the most expensive option.

     

    Cover Benefit Levels

    Now we’ll go into much greater details in respect of the benefits of the cover levels mentioned above, we’ve put all this information into a table so you can compare it to one another.  Receive a 10% discount when you take out a policy online or you can simply just get a quote online and retrieve it at a later stage and still benefit from the online discount.

     

    EssentialPlusPremier
    John Lewis Essential LogoGet Quote LogoJohn Lewis Plus LogoGet Quote LogoJohn Lewis Premier LogoGet Quote Logo
    Long Term CoverYesYesYes
    Veterinary Fees (Treatment limit per year)£3,000 £7,500£12,000
    Dental Care (Treatment limit per year)£3,000£7,500£12,000
    Complementary Treatment£500£1,000£2,000
    Treatment Food£250£250£250
    Behavioural Treatment£250£250£500
    Excess (For any of the above treatments)For cats aged under 9:
    - £60, £80 or £140 (excess applies per condition) depending on the excess you've chosen.

    For cats aged 9 or over:
    - £60, £80 or £140 (excess applies per condition) depending on the excess you've chosen OR 20% of the treatment costs, whichever is greater.
    For cats aged under 9:
    - £60, £80 or £140 (excess applies per condition) depending on the excess you've chosen.

    For cats aged 9 or over:
    - £60, £80 or £140 (excess applies per condition) depending on the excess you've chosen OR 20% of the treatment costs, whichever is greater.
    For cats aged under 9:
    - £60, £80 or £140 (excess applies per condition) depending on the excess you've chosen.

    For cats aged 9 or over:
    - £60, £80 or £140 (excess applies per condition) depending on the excess you've chosen OR 20% of the treatment costs, whichever is greater.
    Accidental Damage (To other people's property)£250£500£750
    Free Vetfone Helpline (24 hour advice from veterinary nurses)YesYesYes
    Stolen Or Lost Pets£500£1,000£1,500
    Death From Illness £500£1,000£1,500
    Death From Accident£500£1,000£1,500
    Advertising & Reward£500£750£1,000
    Travel CoverNoYesYes
    Number Of Trips (Maximum of 60 days each trip)N/A33
    Holiday CancellationN/A£3,000£3,000
    Emergency Expenses AbroadN/A£500£500
    Quarantine CostsN/A£2,000£2,000
    Multi-pet DiscountYesYesYes
    Policy SummaryEssential Policy SummaryPlus Policy SummaryEssential Premier Summary
    Policy WordingEssential Policy WordingPlus Policy WordingPremier Policy Wording

     

    In the table most of the policy benefits are listed, however if you want to know the full list of benefits that is covered then check the policy summary.  If you need any terms or definitions to be clarified then check out our general cat insurance guide or check the policy summary and wording for more specific definitions to John Lewis Cat Insurance policies.

     

    Benefits Of Choosing John Lewis Cat Insurance

    Aside from the benefits listed in the table, choosing to insure your cat with John Lewis Cat Insurance can also offer other benefits such as:

    Online account – Once you take out a policy you’ll have access to an online account where you can check your policy details and view your policy documentation. 

    Vetfone helpline – This helpline is a freephone 24 hour service which offers expert advice from veterinary nurses.  If you have any questions about your pet then feel free to call the helpline. 

    Information on website – Whether you’re a customer or not, you’ll have access to a wealth of knowledge on the John Lewis Pet Insurance website.  This includes tips & advice on buying insurance, whether you need insurance, cat breeds, benefits, first vet trip, FAQs and plenty more.