Pet insurance

More information about our pet cover 

More information about our lifetime and time limited cover...

Vet fees

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

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 or any condition linked to them.

Complementary treatments

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

At LV=, our pet insurance policies - Time Limited and Lifetime - include 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. 

Third party liability

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, chase and bump 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.

Accidental damage

If your pet causes accidental damage to someone's personal property while you're visiting them, you'll be able to claim up to £750. There are some restrictions to this cover, so make sure you read your policy documents carefully. 

Accidental damage cover is only included with our £10,000 Lifetime policy.

Overseas cover

Off on 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. 

Advertising/rewards

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. 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.

Death from illness or accident

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. 

Boarding or pet minding fees

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.

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

If you have 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.

Our pet insurance FAQs

• Will you stop insuring my pets when they get to a certain age?

• Do you offer a lifetime pet insurance policy?
  

• Does your pet insurance cover dental treatment?
  
• How much of a pet insurance claim do I have to pay?
• Does your pet insurance cover vaccinations my dog?
• Does your pet insurance cover vaccinations for my cat?

Haven't found what you're looking for? No worries, you can visit our pet insurance FAQ hub.

Our policy documents 

You can get these and other documents from us in Braille, large print or audio by dropping us a line.

Pet insurance policy document (PDF, 9MB)

Pet Lifetime insurance product information document (PDF, 59KB)

Pet Time Limited insurance product information document (PDF, 58KB)

How we use your personal information (PDF, 142KB)