Dog Insurance

•  Pre-existing conditions (e.g. injuries or illnesses that showed symptoms before your pet’s policy)
• Injuries and illnesses that happen in the waiting period:
  - For injuries, this is the first 48 hours of your pet’s policy
  - For illnesses, this is the first 14 days of your pet’s policy
• Food (unless it’s being used as an alternative to medication and to treat an injury/illness)
• Having your pet cremated or buried
• Pregnancy and breeding
• Routine treatments (e.g. worming and flea treatment)
• Preventative care (e.g. vaccinations)

All our policies are subject to Terms and Conditions - please read them carefully to understand what you're covered for.

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 may not 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, laser therapy or chiropractic therapy, these will be covered under your ‘Veterinary fees’ cover and maximum benefit.

What's included?

Time Limited - 10 sessions (of each therapy type, for each separate injury/illness, up to the vet fee maximum benefit/time limit)

Lifetime - 10 sessions (of each therapy type, for each separate illness/injury, in each policy year) 

Liability to other people for injury and property damage 

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, for each incident, for costs and compensation if your dog has injured someone, or caused damage to someone's property and you're legally responsible.

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 quarantine costs and replacing travel documentation 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 they die from illness (before the renewal following their 9th birthday for dogs and 11th birthday for cats). We’ll also cover this at any age if your pet dies from an accident.

Boarding or pet minding fees

If you're in hospital for two 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 or cut short your holiday because, within fourteen days of your departure date, your pet went missing or needed veterinary treatment because they suffered a serious and unexpected deterioration in health.

Our Time Limited policies will pay up to £1,500, and our Lifetime policies up to £3,000.

What's on your pet insurance checklist? 

To make sure you've got all the benefits you need, check how other pet insurance policies stack up and compare the level of cover - not just the price. 

Save time and see how LV= pet insurance compares to other policies.

You can get these and other documents from us in Braille, large print or audio by sending us an email.

Pet Insurance Lifetime policy terms and conditions (PDF, 838KB)

Pet Insurance Time Limited policy terms and conditions (PDF, 942KB)

How we use your personal information (PDF, 207KB)