More information about our cover

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Time limited Time limited
Lifetime Lifetime Lifetime
Vet fees £1,500 £2,500 £3,000 £5,000 £10,000
Complementary treatment
5 sessions 5 sessions 10 sessions 10 sessions 10 sessions
Third party liability yes yes
Accidental damage to 3rd party property No
Boarding or pet minding fees yes
yes yes
Death from illness or accident yes
yes yes
Overseas cover yes
yes yes
yes yes
Advertising / reward yes
Theft and straying yes
Holiday cancellation yes
yes yes

vet Fees

Worried about unexpected vet bills? At LV=, all of our policies cover vet fees up to an agreed limit 

Unexpected vet bills can be a worry. At LV=, all of our policies cover vet fees up to the limit you choose.

Not sure which policy is right for you? 

A Time Limited policy provides cover for an illness or condition for up to 12 months from the date of your pet's first treatment.  There are two levels of Time Limited vet cover: up to £1,500 or up to £2,500. 

Lifetime lets you claim for vet fees up to your chosen limit each year.  There are three levels of Lifetime vet fee cover: £3,000, £5,000 or £10,000.

Don't forget: if your pet has any pre-existing medical conditions when you take out your policy, we won't cover these. 


Pooch off to physio? Cat need to see a chiropractor? Our pet insurance includes complementary treatments

 At LV=, our pet insurance - Time Limited and Lifetime - includes complementary treatments.

So if your vet recommends a treatment like acupuncture, hydrotherapy, osteopathy, physiotherapy or chiropractic therapy, we've got you covered. 

What's included? 

Time Limited - 5 sessions 

Lifetime - 10 sessions 

Need more? Additional sessions can be considered if your pet has shown improvements. Just give us a call and we'll be happy to help. 




If you're confused about third party liability cover, we're here to keep it simple (and give you peace of mind)

Imagine you're out for a lovely walk in the country with your dog. They are off the lead, exploring all the rabbit holes and sploshing in puddles. Suddenly, they catch sight of someone on a bicycle, chases and bumps into them, causing them to fall off and hurt themselves.

Because you're responsible for your dog's behaviour, the cyclist could sue you for negligence. They could make a personal injury claim to cover the cost of medical treatment or demand compensation.

Our policies offer you up to £2million third party liability cover for costs and compensation if your dog has injured someone, or caused damage to someone's property.

Overseas Cover

Taking your furry friend on holiday? Kick back and relax

Off an an adventure? Here's one less thing to worry about: if you take your pet on holiday and they get ill, we'll cover the cost of vet care abroad up to the limit on your policy.

LV= pet insurance also covers costs for quarantine kennelling and replacing a pet passport or a third country official vet certificate for your pet.

Our overseas pet cover means you (and your furry family member) can kick back, relax and enjoy your holiday. 


Lost pet? We'll cover you for advertising and reward costs, so you can be reunited sooner

We know it's stressful and upsetting when pets go missing. But we can help. If your pet's lost or stolen and you need to advertise to find them, we'll reimburse your advertising costs up to £1,500. We also give you the option to offer a maximum reward of £500, so you can be reunited with your pet sooner. 

This cover is included in all our Time Limited and Lifetime policies.


We'll cover you for the death of your pet from illness or accident 

Pets are like family, and we know losing them can be devastating. Our Time Limited and Lifetime policies include death from illness cover. We'll reimburse you for the price you paid for your pet up to £1500 if your pet dies at an unusually young age as a result of illness or due to an accident. 


Out of action and need a hand with boarding or pet minding fees? We'll help you out

Fallen ill and can't take care of your pet? Can't find anyone to pet sit while you're recovering? 

If you're in hospital for four days or longer, and no one's able to look after your pet, you can claim up to £1,500 to cover boarding costs for the whole of your hospital stay.

Lifetime policies also include additional boarding costs if you're delayed returning from your holiday.

Theft and Straying

Fido wandered off? Beloved moggy been stolen? We're here to help

It's stressful enough losing a pet. If your furry friend has wandered off or been taken, we're here to help. 

We'll reimburse you the amount you paid for your pet if they're lost or stolen up to a maximum £1,500. 

Holiday Cancellation

Had to cancel your holiday at the last minute because of your pet? We can help with that, too

LV= pet insurance will reimburse your holiday costs if you have to cancel your holiday within seven days of your departure date, or cut short your trip because your pet went missing or needed emergency life saving treatment.

Our Time Limited policies will pay up to £1,500, and our Lifetime policies up to £3,000.


Grab a cuppa and have a read of our policy documents 

You can get this and other documents from us in Braille, large print or audio by contacting us 

Now sit back, relax and start your quote