Pet insurance

From queasy kittens to poorly puppies, our pet insurance has your cats and dogs covered 
Get a pet quoteYour saved pet quote

Here'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.

Why choose LV= pet insurance?

We're here to look after your furry family members

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
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.

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 
  • 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 

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:

  1. Pet details – personal details about your pet including their breed, age and how much you paid/donated for them.   
  2. Pet medical history – If they’ve been neutered or spayed.
  3. 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. 

awards and recognition 

Our pet insurance comes highly recommended 

  • Defaqto 5 Star Rated £10k Lifetime policy

Now sit back, relax and start your quote