Pet insurance

From queasy kittens to poorly puppies, our pet insurance has your cats and dogs covered 
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Insuring your pet

Look, we all know that cats think they have nine lives and dogs often think they’re humans, so as a pet owner, the health of your companion comes first. From health conditions to unexpected accidents, you want to know that your animals are protected… that’s where we come in!

LV= pet insurance gives you peace of mind when your pet is poorly, so you can just focus on giving them the TLC they need. We’ll even help you out if they go missing.

Want to know more? Let’s get into it…

What's covered with LV= pet insurance?

We're here when your cats and dogs need more than a little TLC 

  • Get a 10% discount for your first year of cover when you buy online
  • Free 24/7 access to online vets 
    We’ve teamed up with FirstVet to offer you free 24/7 video consultations with qualified vets.
  • £10,000 Vet fees
    We cover up to £10,000 per year, for illness and injury, with our Lifetime pet cover
  • Choose between Lifetime and Time Limited cover
    Our £10K Lifetime pet policy is Defaqto 5 Star rated. Not sure if you need Lifetime or Time Limited? We can help with that...
  • Lost pet?
    We'll reimburse you for up to £1,500 to advertise for your missing cat or dog; including up to £500 that can be used for a reward
  • Third party liability
    Our pet 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 and you're legally responsible
  • Complementary therapies
    We cover treatments like hydrotherapy, acupuncture, osteopathy, chiropractic therapy or physiotherapy
  • If you're an existing LV= customer with a car or home insurance policy, you'll also get a 10% multi-product discount on your pet insurance

More about LV= pet insurance

Cover Options

Not sure what cover your pet needs? Here are two options to get your teeth into


Our Lifetime policies will provide cover for all illnesses or conditions that occur in the policy year, up to the policy limit you choose. The policy limit is then refreshed and applied again at renewal, so you know your furry family member is always covered, provided you remain insured with us. This is reassuring if your pet develops a long-term illness or injury

Time Limited

Our Time limited pet policies will cover an illness or condition for a maximum of 12 months from the date of the first treatment up to the limit you choose. This cover is most suited for short-term illnesses and injuries 

Frequently asked pet insurance questions

Multi pet insurance

More than one in your pack? We'll cover the whole gang 

What factors can affect the price I pay for pet insurance?

Many factors affect the price you pay for your pet insurance. Remember, sometimes the cheapest pet insurance may not offer the most comprehensive cover. Here's what we take into account: 

  • Your pet’s breed. The breed of your pet will impact the price of your insurance. 
  • Your dog or cat's age. The cost of insuring your pet will go up as they get older. 
  • Your pet’s gender. Normally, you will pay more for your pet insurance if you have a male cat or dog.
  • Liability. As the cost of liability claims increase, prices have to go up to cover these costs.
  • Where you live. Areas with typically higher treatment and medication will have a bearing on the cost of your pet insurance. 
  • Advances in medical treatment. With so many developments in medicine and complementary therapies, it means the cost of treating cats and dogs is going up.
  • Changes in legislation. Insurance companies have no say on how much tax is charged on each policy. The government sets the rate of Insurance Premium Tax (IPT).
Want to know more about how we calculate your premium? Read our guide. 

awards and recognition 

Our pet insurance comes highly recommended 

  • Defaqto 5 Star rated £10k Lifetime policy

Now sit back, relax and start your quote