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If you are getting pet insurance for your dog or cat, it's a good time to think about what cover you want, and thinking about the health and any potential breed concerns will help you decide which policy will provide you with the best cover.

Even if your furry friend is a bit older, the link below may be able to help you choose which of our policies will be best for you and your pet.

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We'll be here to help if your pet becomes ill or injured, as this is when they'll need you the most so we've highlighted below some of the key aspects of your policy - you can find full details in your policy booklet.

These levels of cover only apply to pet insurance policies purchased after 8 April 2015

These levels of cover only apply to pet insurance policies purchased after 22 November 2017 or to policies renewed after 20 December 2017


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Pre existing medical conditions

Your policy is designed to offer you help when you need it but it's really important that you know we can't provide cover for any conditions that your pet had before your policy started including:

  • any signs of illness
  • injury
  • behavioural problems

You might have had insurance with another pet insurer at the time the symptoms of illness or injury started. However, when you switch to LV= , we won't be able to cover the cost of any treatment for those symptoms or diagnosed illness or injury.

Don't forget there is a 14 day waiting period before illnesses are covered on your policy and a 48 hour waiting period before accidents are covered.

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Variable excess

As older pets are more likely to need treatment and pet insurance premiums can go up significantly, we have added a variable excess. This helps to minimise the premium increases for everyone, as you only need to pay the variable excess if you make claim.

Under the terms of our policy, we apply a variable excess for all claims on a Lifetime policy once your dog reaches 8 or your cat turns 10 years old. In the event of a claim and once your fixed policy excess and any voluntary excess you may have chosen have been deducted, you will be charged 20% of the remaining vet fees.


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Dental care

Your policy doesn't cover the cost of any dental maintenance, however it's always a good idea to get into a good habit of looking after your pet's teeth and gums such as descaling/ cleaning teeth to help minimise health issues.

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Time limited policies

We will cover the cost of dental care if:

  • the treatment is needed because of an injury
  • it's to remove first teeth after your pet is more than 6 months as long as your pet was insured with us before they were 16 weeks old.
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Lifetime policies

The same cover as the time limited policies and:

  • further treatment teeth and gum related that wasn't preventable
  • You'll need to make sure that your pet has had annual check-ups and any routine and preventative treatment your vet recommends, such as teeth de-scaling.


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Related conditions

Health conditions can be related when one of a pair (e.g. eyes, ears, knees) is affected by an injury or illness.

Let's say for example Kylie the Labrador ruptures her left knee ligament then seven months later ruptures her right knee ligament, we'd considered these as one condition.

Here's how her right knee ligament treatment would be covered under our two types of policies:

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Time limited policies

The Time limited policies cover conditions for 12 months and up to chosen vet fee limit from when they're first treated.

  • You wouldn't have to pay another excess
  • You'd only have five months of cover remaining and however much of the remaining chosen vet fee limit for the treatment of her right ligament
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Lifetime policies

The Lifetime policies cover the cost of all treatments covered up to the chosen vet fee limit per policy year and then resets when you renew.

  • You wouldn't have to pay another excess as long as the treatment started in the same policy year
  • Any balance from your first vet fee claim left over would cover other claims for Kylie, until renewal, at which point the cover would reset to your chosen vet fee limit again.

Health problems linking back to previous symptoms or a previously diagnosed condition are also treated as related.

Suppose Kylie the Labrador goes on to get arthritis in her knees three years later because of her knee ligament repairs:

Here's how her arthritis treatment would be covered under our two policies:

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Time limited policies

  • There wouldn't be any cover for the arthritis as more than 12 months has passed since the start of the treatment for her first (left) ligament rupture
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Lifetime policies

  • Assuming you'd made no other pet claims for Kylie that year, you'd have the full vet fee chosen limit of cover for her arthritis treatment

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