Pet insurance

From canine companions to feline friends, our pet insurance has you covered 
Get a pet quote

Insuring your pet

Look, we all know that cats think they have nine lives and dogs often think they’re humans, so as a pet owner, the health of your companion comes first. From health conditions to unexpected accidents, you want to know that your animals are protected… that’s where we come in!

LV= pet insurance gives you peace of mind when your pet is poorly, so you can just focus on giving them the TLC they need. We’ll even help you out if they go missing.

Want to know more? Let’s get into it…

What's covered by our pet insurance?

We're here when your cats and dogs need more than a little TLC

Icon of a cat stratching post with a bowl of food and ball of string
  • Get a 10% discount for your first year of cover when you buy online
  • Free 24/7 access to online vets 
    We’ve teamed up with FirstVet to offer you free 24/7 video consultations with qualified vets
  • £10,000 Vet fees
    For illness and injury, cover up to £10,000 per year with our Lifetime cover
  • Choose between Lifetime and Time Limited cover
    Our £10K Lifetime pet policy is Defaqto 5 Star rated
  • Lost pet? 
    We'll give you up to £1,500 to advertise for your pet; including up to £500 that can be used for a reward
  • Third party liability
    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 and you’re legally responsible
  • Complementary therapies
    We cover treatments like acupuncture, hydrotherapy, osteopathy, physiotherapy or chiropractic therapy
  • If you are an existing LV= customer with a car or home insurance policy, you'll also get a 10% multi-product discount on your pet insurance 

More about LV= pet insurance


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
  • Reassuring if your pet has a long-term illness or injury

Time limited

• Our Time Limited 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


Raining cats and dogs? 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.
  • Previous claims. Any claims you make on your policy will impact your premium at renewal.
  • Where you live. The cost of treating your pet may vary in different areas of the country.
  • Advances in medical treatment. With so many developments in 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).

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We know a thing or two about pet insurance 

  • Defaqto 5 Star rated £10k Lifetime policy

Now sit back, relax and start your quote