Pet insurance
From queasy kittens to poorly puppies, our pet insurance has your cats and dogs coveredHere's how we're dealing with coronavirus (COVID-19)
Due to coronavirus (COVID-19), we've temporarily changed our opening hours to best support our customers and colleagues. For Service/Renewals and Claims we are open: Mon to Fri 9-6, Sat 9-1, Sunday closed. For Sales we are open Mon to Fri 9-7, Sat 9-1, Sunday closed. Updated on 03/06/2020.
See why other animal lovers trust us to protect their pets
Existing customers
Do you need to make a claim, change or renew your policy?
Why choose LV= pet insurance?
We're here to look after your furry family members
- Choose between 12-month and Lifetime pet insurance cover
- Our £10k Lifetime pet policy is Defaqto 5 star rated
- 10% discount when you buy online
What's covered?
We're here when your cats and dogs need more than a little TLC
I always think pet insurance is expensive but this compares favourably against M&S. I’m also reassured because my experience of LV has been very positive.
- Vet fees
For illness and injury, cover up to £10,000 per year with our Lifetime pet cover - 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 - FirstVet
We’ve teamed up with FirstVet to offer LV= customers free 24/7 video consultations with qualified vets. Find out more. - Vet finder helpline
Away from home and need help? Our Vet Finder helpline connects you with vets wherever you are
COVER OPTIONS
Not sure what cover your pet needs? Here are two options to get your teeth into
Lifetime
- 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
- Reassuring if your pet has 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
• Cover most suited for short-term illnesses and injuries
More about LV= pet insurance
Multi pet cover
More than one in your pack? We'll cover the whole gang
- Cover for puppies, dogs, kittens or cats, all with their own levels of cover to suit you and each of your pets
- Protection if you're faced with unexpected vet fees
- We insure kittens and puppies from just eight weeks of age
Everything you need to support you and your cats and dogs.
FirstVet
We offer our existing pet insurance customers access to free veterinary consultations with FirstVet. With the FirstVet service, you can video chat with a vet all from the comfort of your own home!
Pet breed guide
Not sure which dog breed is right for you, or want to learn more about your cat? Our guides feature in-depth info on the temperament, personalities and general health of popular cat and dog breeds.
Pet magazine
Browse our pet insurance articles for tips on everything from keeping your pets happy whatever the weather to tips on bringing home your first pet. There's something for everyone.
What factors can affect the price I pay?
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 human 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).
What info do I need to get a pet insurance quote?
For a quicker quote, make sure you've got all of this to hand:
- Pet details – personal details about your pet including their breed, age and how much you paid/donated for them.
- Pet medical history – If they’ve been neutered or spayed.
- Eligibility – to make sure we can insure you, your pet must live with you and have seen a vet within the last 12 months.
At LV=, we want to help you to find the right pet insurance at the best price. Just because you may find it cheaper elsewhere, it may not necessarily provide you with everything you need.