LV= Dog Insurance
Get dog insurance for peace of mind. Here are some dog insurance tips.
As your best friend and an important part of your life, your dog deserves the same attention, protection and consideration as other members of your family.
If your dog falls ill, has an accident, gets lost or is stolen, the consequences could be expensive − so it makes sense to consider pet insurance.
The two main types of dog insurance
Most providers of dog insurance offer two main types of cover. The names may differ but in essence, a ‘basic’ dog insurance policy will cover vets’ bills for a maximum period (usually one year), with a maximum claim per condition.
With a ‘premier’ dog insurance policy, there’s no time limit on reaching the maximum claim and this maximum may be higher than with the basic insurance.
What dog insurance can cover
Most dog medical insurance plans cover your dog’s sickness and accidents – and some providers offer wider cover, such as holiday cancellation compensation. And you may be able to claim for advertising and a reward if your dog is lost or stolen.
The levels of cover may vary and some providers allow you to top up your basic or premier cover with additional features − but you should always check the cover and maximum you can claim.
Dog insurance excess figures
The excess (the amount you have to pay if you claim) can vary between different risks insured and can vary from provider to provider.
You’ll usually have to pay an excess for each dog health insurance sickness condition claim and for a Third Party claim but some providers, including LV=, don’t apply an excess for most other claims.
Is your dog eligible?
Some dog insurance providers won’t insure certain breeds, e.g. dogs registered under the Dangerous Dogs Act. And some won’t insure dogs above a certain age.
LV= pet insurance has no upper age limit, apart from under the death from illness cover which stops when your dog reaches nine years of age.
Dog insurance discount?
You may be able to reduce your premium if you buy your dog insurance online − and you may get a discount when you insure more than one pet.
LV= dog insurance gives you:
- 10% online discount for new pet insurance policies
- A choice of cover to meet your needs
- Up to £5,000 vets’ fees cover for each condition
- Essential pet insurance - up to 12 months treatment for each condition
- Premier pet insurance - no time limit for treatment for each condition
- No upper age limit for your dog
- No extra cost if you want to pay monthly
- Access to four helplines
Plus, you can claim for:
- Advertising costs if your dog gets lost or stolen
- Holiday cancellation costs if your dog needs emergency treatment
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