What types of policies does LV offer?

LV offers five types of insurance policies, with annual vet fee cover ranging from £1,500 to £10,000. These policies are available for both cats and dogs.

Does LV cover pre-existing conditions?

No, LV does not provide cover for pre-existing conditions.

Do I need to pay an excess when I make a claim?

Yes, you will need to pay a fixed excess when you make a claim for vet fees.

Will LV stop insuring my pets when they get to a certain age?

No, once your pet is insured with LV, they won't stop cover just because your pet has reached a certain age. However, cover under the 'death from illness' section stops at the renewal following your dog's 9th birthday or your cat's 11th birthday.

Are dental fees covered?

Yes, dental pet insurance is covered and each type of policy offers different levels of cover. LV’s Lifetime policies cover dental treatment for your pet as long they’ve had an annual dental examination and any treatment recommended is carried out within 6 months. LV’s Time Limited policies only cover treatment for dental or gum problems which are caused by an accidental injury. The only exception to this is that they’ll cover the cost to remove the first milk teeth when your pet is 6 months or older providing he/she was under 16 weeks old when the cover started. None of LV’s policies cover scaling and polishing of the teeth or any other routine or preventative dental treatments.

Are vaccinations included?

Vaccinations are not covered by LV pet insurance, as they are considered routine costs rather than unexpected expenses.

What happens after I make a claim?

Once you make a claim, LV begins processing it straight away. LV can pay your vet directly if they’re happy to accept direct payments and will notify you once the payment has been made.

LV=

LV Pet Insurance provides comprehensive cover to ensure your pets receive the care they deserve. Enjoy peace of mind with up to £10,000 in vet fees covered per year for illness and injury through their Defaqto 5-Star rated Lifetime policy.

Get a 10% discount when you buy online and take advantage of free 24/7 access to video consultations with qualified vets through LV’s partnership with FirstVet. For those stressful moments, LV also cover up to £1,500 to advertise for a missing pet, including a reward of up to £500.

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Insurance products by LV=

Lifetime cover

Lifetime pet cover protects your pet year after year, for your pet's lifetime, as long as you don't cancel your policy or let it lapse at renewal.

What’s included?

Veterinary treatment cover up to £3,000, £5,000, or £10,000 (as per your policy), including dental, behavioural, and alternative therapies, for all conditions within each 12-month period.
Liability cover up to £2 million per incident for injury or property damage caused by your dog.
Up to £1,500 for pet loss due to accident, theft, or death (under certain age limits for illness).
Up to £1,500 for advertising costs (with £500 for a reward) if your pet goes missing.
Boarding or pet minding fees up to £1,500 if you're hospitalised or your return from holiday is delayed or cancelled.
Holiday cancellation cover up to £3,000 if your pet needs emergency treatment within 14 days of your departure.
Up to £2,500 for quarantine costs due to illness or microchip failure.
Up to £500 for paperwork replacement if your pet’s passport or veterinary certificate is lost or if the microchip fails during a trip.
Up to £2,000 for extra accommodation or transport if your pet is too ill to travel home as planned.
Dental treatment for illness or injury if a dental exam was completed in the past 12 months and recommended treatment was carried out within 6 months.

How does reimbursement work?

To make an LV pet lifetime cover insurance claim, you need to download the claims form which can be found on the LV website. Simply fill in the relevant information and email the form to your vet so that they can complete their part. You can then send the form to LV, along with all of the relevant invoices and your pet's full medical history.

You'll be contacted as soon as possible, once LV has processed your claim.

Are there any exclusions?

Injuries or illnesses that occurred before your pet's cover began, including related conditions, may not be covered.
Illnesses, behavioural issues, or symptoms within the first 14 days of the policy start are excluded.
Accidents or injuries within the first 48 hours of the policy are not covered.
Conditions preventable by vaccination are excluded unless your pet has been vaccinated.
Routine or preventative treatments, supplements, bathing, or de-matting are not covered.
No cover for treatment related to breeding, pregnancy, or giving birth.
Cremation or burial costs are excluded.
Food, unless used as medication, is not covered.
Transplant surgery, including all related care, is excluded.
No cover for incidents occurring in countries not listed in your policy.
Losses from your dog attacking livestock are not covered.
Liability outside the UK is not included.

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Time-limited cover

Time-limited cover is designed for pet owners wanting a pet policy that covers the essentials. It will cover your pet for short-term illnesses and injuries.

What’s included?

Veterinary treatment (including alternative therapies) for up to 12 months, with a limit of £1,500 or £2,500 based on your policy.
Liability cover up to £2 million per incident for injury or property damage caused by your dog.
Up to £1,500 for pet loss due to accident, missing for over 45 days, or illness (age limits apply for illness).
Up to £1,500 for advertising (including a £500 reward) if your pet goes missing.
Boarding or pet minding fees up to £1,500 if you’re hospitalised or your return from holiday is delayed or cancelled.
Holiday cancellation cover up to £1,500 if your pet needs emergency treatment within 14 days of departure.
Quarantine costs up to £2,000 for illness or microchip failure.
Up to £250 for replacing pet travel documents if lost or if the microchip fails.
Up to £2,000 for additional accommodation or transport if your pet is too ill to travel home.
Dental injury treatment if a dental exam was done in the last 12 months and recommended treatment was completed within 6 months. First milk teeth removal is also covered if the pet was under 16 weeks old at the start of cover.

How does reimbursement work?

You'll be contacted as soon as possible, once LV has processed your claim.

Are there any exclusions?

Pre-existing injuries or illnesses, and related conditions, may not be covered.
Illnesses occurring within 14 days of the policy start are excluded.
Accidents or injuries within the first 48 hours are not covered.
Conditions preventable by vaccination are excluded unless your pet is vaccinated.
Routine treatments, exams, supplements, bathing, or de-matting are excluded.
Dental treatment for illnesses is not covered.
No cover for breeding, pregnancy, or birth-related treatment.
Cremation or burial costs are excluded.
Food is excluded unless used as medication.
Transplant surgery and related care are not covered.
Incidents in countries not covered by your policy are excluded.
No cover for losses caused by your dog attacking livestock.
Liability outside the UK is excluded.

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Multi-pet insurance

With LV Multi pet insurance, you can insure all your pets under one, policy. LV offers different levels of insurance for multiple pets, so you can make sure your pets get the right cover for their individual needs.

What’s included?

£10,000 vet fee cover per year for illness and injury with Lifetime cover.
Up to £1,500 for advertising a lost pet, including £500 for a reward.
Up to £2 million third-party liability if your dog causes injury or property damage.
Coverage for complementary therapies like acupuncture, hydrotherapy, and physiotherapy.
10% discount on pet insurance for existing LV= car or home insurance customers.

What levels of cover are available?

Customers can choose from two levels of annual vet fee cover:

Lifetime
Time-limited

How does reimbursement work?

You'll be contacted as soon as possible, once LV has processed your claim.

Are there any exclusions?

LV won’t cover treatment for:

Pre-existing conditions (injuries or illnesses with symptoms before the policy).
Injuries in the first 48 hours and illnesses in the first 14 days of the policy.
Food, unless used as a substitute for medication.
Cremation or burial costs.
Pregnancy and breeding.
Routine treatments (e.g. worming, flea treatment).
Preventative care (e.g. vaccinations).

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Quotes our team received

Cheapest quote:

£23.74 per month
Maximum vet fees:

£10,000 per policy year
Excess:

£0 dog | cat

Cheapest quote:

£49.97 per month
Maximum vet fees:

£10,000 per policy year
Excess:

£0 dog | cat

Compare LV insurance products

LV offers five different pet insurance policies. Their time-limited policies provide cover for 12 months from the date treatment started, or until you've reached the vet fee limit, as long as your policy is renewed, there's no break in cover and your premiums are up-to-date.

With LV's Lifetime pet insurance policy, cover lasts until the vet fee limit is reached for each accident or illness. The vet fee limit for Lifetime policies is per year and reinstated annually, provided you renew your policy and keep your premiums up to date.

Vet fees	Time Limited with £1,500 vet fees	Time Limited with £2,500 vet fees	Lifetime with £3,000 vet fees	Lifetime with £5,000 vet fees	Lifetime with £10,000 vet fees
Vet fees per year	£1,500	£2,500	£3,000	£5,000	£10,000
Excess Per condition, per year	From £75 for each illness or accident	From £75 for each illness or accident	From £75 for each illness or accident	From £75 for each illness or accident	From £75 for each illness or accident
Advertising and reward	Up to £1,500	Up to £1,500	Up to £1,500	Up to £1,500	Up to £1,500
Burial or cremation	Not Included	Not Included	Not Included	Not Included	Not Included
Death from accident or illness	Up to £1,500	Up to £1,500	Up to £1,500	Up to £1,500	Up to £1,500
Video chat access to FirstVet	Included	Included	Included	Included	Included

Customer Reviews

Sarah Keir

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 14 Aug 2024

5 out of 5 paws

Claiming For Dogs Treatment.

My dog received treatment including an m.r.i for a spinal condition. The fees were adding up and I knew I would have to make a claim on his insurance. It took around 3 weeks from the initial claim be…

Recieved a response within 3-4 days after their claim was submitted
Claim was success and paid out
Was neither happy or unhappy with their experience when they spoke to someone

Rebecca

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 17 Apr 2023

1 out of 5 paws

Completely Useless!!!!

Try anything to avoid paying out for a claim!!! Take over 2 months to months to process the claim then don't even bother telling you the result. Had to chase for an answer. Asking me to repeat info…

Recieved a response over 5 days after their claim was submitted
Claim wasn't successful
Was neither happy or unhappy with their experience when they spoke to someone

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Making a claim

Whether you’re the owner or the vet, simply complete LV’s online claim form to claim back medication and treatment costs. Follow the four simple steps below:

1. Download the form

Download the form and fill it out completely.
2. Complete the information

Make sure you’ve completed all the information (if you think they need to know you should mention it).
3. Send it to your vet

Once the vet has completed their part of the claim form you can send it through to LV with all invoices and medical history, please ensure that your original document is forwarded along with this for validation purposes.
4. Results

LV will contact you as soon as they process your claim.

Other things to consider

Changes to your premium

There are several factors that will affect the cost of your insurance premium when you first take out your pet insurance policy. These include:

Age: younger pets typically have lower premiums.
Breed: certain breeds are more prone to specific health conditions, which can affect the cost.
Location: vet costs can vary by region.
Changes in legislation: insurance companies have no say on how much tax is charged on each policy.

Your limit will be reinstated each year, as long as you renew your policy and there’s no break in cover. LV may choose not to renew a policy, if they do, they will let you know in advance of your renewal date.

Understanding insurance excess

The policy excess is the amount the policyholder must pay towards the cost of veterinary treatment for each condition claimed.

All policies include a compulsory £75 excess.

For lifetime policies, the excess applies to each condition and renews each year.

For time-limited policies, the excess applies once per condition.

Policyholders can also opt for an additional voluntary excess of £75 or £125, which would be added to the compulsory £75 excess.

For Lifetime policies, at renewal after a dog’s 8th birthday or a cat’s 10th birthday, an additional percentage excess is applied. This amounts to 20% of the remaining cost of veterinary treatment after the compulsory and any voluntary excess have been deducted.

Contact LV

If you want to speak to a member of the LV team, you can contact them via their UK-based contact centre. They are open Monday to Friday 8 am to 6 pm and Saturdays 9 am to 2 pm.

FAQs

What types of policies does LV offer?

LV offers five types of insurance policies, with annual vet fee cover ranging from £1,500 to £10,000. These policies are available for both cats and dogs.
Does LV cover pre-existing conditions?

No, LV does not provide cover for pre-existing conditions.
Do I need to pay an excess when I make a claim?

Yes, you will need to pay a fixed excess when you make a claim for vet fees.
Will LV stop insuring my pets when they get to a certain age?

No, once your pet is insured with LV, they won't stop cover just because your pet has reached a certain age. However, cover under the 'death from illness' section stops at the renewal following your dog's 9th birthday or your cat's 11th birthday.
Are dental fees covered?

Yes, dental pet insurance is covered and each type of policy offers different levels of cover. LV’s Lifetime policies cover dental treatment for your pet as long they’ve had an annual dental examination and any treatment recommended is carried out within 6 months.
LV’s Time Limited policies only cover treatment for dental or gum problems which are caused by an accidental injury. The only exception to this is that they’ll cover the cost to remove the first milk teeth when your pet is 6 months or older providing he/she was under 16 weeks old when the cover started.
None of LV’s policies cover scaling and polishing of the teeth or any other routine or preventative dental treatments.
Are vaccinations included?

Vaccinations are not covered by LV pet insurance, as they are considered routine costs rather than unexpected expenses.
What happens after I make a claim?

Once you make a claim, LV begins processing it straight away. LV can pay your vet directly if they’re happy to accept direct payments and will notify you once the payment has been made.