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Cover My vs John Lewis

Compare pet insurance features, coverage, and pricing between Cover My and John Lewisto find the best protection for your pet.

Starting Premium

£67.48

Cover My

£40.74

John Lewis

Maximum Cover

£4,000

Cover My

No limit

John Lewis

Customer Rating

4.2

Cover My

4.2

John Lewis

Vet Fees Cover

Covered for up to £4,000 per condition with unlimited number of conditions

Cover My

Covered each year up to no limit per condition with £9,000 yearly limit

John Lewis

Available Policy Types

Cover My
John Lewis
Cover Types
LifetimeMax BenefitTime Limited
Lifetime

About Policy Types

Insurers typically offer different levels of cover such as Accident Only, Time-Limited, Maximum Benefit, and Lifetime. Lifetime policies are generally the most comprehensive but also tend to be more expensive.

Premium Analysis

Cover My
John Lewis
Minimum Premium
£67.48
£40.74
Maximum Premium
£17,941.76
£12,319.18
Average Premium
£695.64
£558.45

Premium Range Comparison

Cover My
£67.48 - £17,941.76
John Lewis
£40.74 - £12,319.18£40.74 - £12,319.18

Premium ranges are affected by pet age, breed, and location. The actual premium you'll pay may vary.

Policy Coverage & Exclusions

Cover My
John Lewis
Vet Fees Coverage

Covered for up to £4,000 per condition with unlimited number of conditions

up to limit per condition/year

Covered each year up to no limit per condition with £9,000 yearly limit

up to limit per condition/year

Standard Excess
£50
£100
Co-payment
15%
20%
Dental Included
Pre-existing Conditions

Important Coverage Notes

Both insurers typically exclude pre-existing conditions. Always check the full policy documents for specific exclusions and waiting periods. Coverage may vary based on your pet's age, breed, and health history.

Claims Process

Cover My
John Lewis
Claim Processing Time
5 days average
5 days average
Online Claims
24/7 Claims Helpline
Mobile App Rating
3.8
3.8

Additional Benefits

Cover My
John Lewis
Death by Accident Cover
£750
£1,500
Death by Illness Cover
£750
£1,500
Third Party Liability
£2,000,000
£2,000,000
Lost or Stolen Pet
£750
£1,500
Advertising & Reward
FALSE
£300
Boarding Fees
FALSE
£1,500

Support Services

Cover My
John Lewis
UK-based Call Centre
Vet Advice Helpline
Legal Advice Service
Bereavement Counselling

Customer Base Analysis

Cover My

Total Policies

11928

Dogs

8588

72%

Cats

3340

28%

John Lewis

Total Policies

13830

Dogs

9108

66%

Cats

4722

34%

Cover My Distribution

Dogs
Cats

John Lewis Distribution

Dogs
Cats

Making Your Decision

When comparing Cover My and John Lewis, consider how each provider's strengths align with your pet's specific needs. Cover My's average premium of £695.64compared to John Lewis's £558.45 should be weighed against the coverage and benefits each provider offers.

Best for Cover My:

  • Third party liability coverage

Best for John Lewis:

  • More affordable starting premiums
  • Third party liability coverage

Remember that the best choice depends on your individual circumstances, including your pet's age, breed, health history, and your budget. Consider getting quotes from both providers to make a fully informed decision.