Key policy features
- Two cover options to choose from
- No admin or cancellation fees
- Access to legal helpline and pet bereavement services
Find out if LV= Pet Insurance made it into our list of the top 10 pet insurance providers for dogs.
Or, read on to learn more about:
- What types of pet insurance does LV= offer?
- Does LV= pet insurance cover dental treatment?
- Does LV= pet insurance covers pre-existing medical conditions?
- How much does pet insurance from LV= cost?
- Are discounts available for LV= pet insurance?
- LV= pet insurance customer reviews
- Expert reviews of LV= pet insurance
- How to make a claim on LV= pet insurance?
- Other services available from LV=
What types of pet insurance does LV= offer?
LV= offers two types of pet insurance cover:
This is a Time-Limited policy that offers £5,000 per condition per year for vet bills (£100 excess per condition applies).
It also includes cover for up to 5 sessions of complementary treatment, £2m for third party liability (£250 excess fee applies), up to £750 for death from accident or illness, up to £750 for boarding fees, up to £750 for advertising and reward, up to £750 for theft or straying and up to £1,000 for holiday cancellation (£100 excess fee applies).
This is a Lifetime policy that includes £10,000 per year for vet bills (£75 excess per condition per year applies).
It also features cover for up to 10 sessions of complementary treatment, £3m for third party liability (£250 excess fee applies), up to £1,500 for death from accident or illness, up to £1,500 for boarding fees, up to £1,500 for advertising and reward, up to £1,500 for theft or straying, up to £3,000 for holiday cancellation (£75 excess fee applies) and up to £750 for accidental damage (£250 excess fee applies).
For more information about what Time-Limited and Lifetime policies are, check out our pet insurance FAQs.
LV='s cover is available for pets from eight weeks old and it has with no upper age limit (but ‘death from illness’ cover stops when your dog reaches 9 years old, and when your cat reaches 11 years old).
Customers have access to a vet search, pet bereavement and legal advice helpline.
See how LV= compares to other providers in our list of the best pet insurance companies.
Does LV= pet insurance cover dental treatment?
Yes. LV=’s Premier policy covers dental treatment for your pet as long as regular check-ups and preventative measures have been taken.
LV=’s Essential policy covers dental work as a result of an accident only. LV= also covers the removal of your pet’s first set of teeth, but only if your pet has been insured with LV= since before it turned 16 weeks old and is now more than 6 months old.
Does LV= pet insurance covers pre-existing medical conditions?
No. You can still cover your pet with LV= if it has pre-existing conditions, but any illness, injury or symptoms your pet had before the start of the policy will not be covered.
How much does LV= pet insurance cost?
The cost of pet insurance is affected by many different factors, such as the type and breed of pet, the pet’s age and medical conditions, and the owner’s postcode.
For this review, we got example quotes from LV= for a 3-year-old Staffordshire Bull Terrier in Milton Keynes in August 2017. The prices were as follows:
Essential: £24.82 per month / £297.82 annually
Premier: £44.57 per month / £534.81 annually
Customers can pay their premiums in monthly instalments at no extra cost.
Are discounts available for LV= pet insurance?
Yes, we have found several offers on LV= pet insurance:
- Quidco is offering £10 cashback on the purchase of LV= pet insurance (either Essential or Premium)
- TopCashback offers £10.50 cashback on the purchase of either LV= pet insurance policy
- NHS staff get £10 cashback on LV= pet insurance through psdiscounts.com
Additionally, LV= offers a 10% discount for insuring your pet online and a 5% discount for each pet added for customers insuring two or more pets (see how this compares to other pet insurers in our multi pet insurance review).
LV= pet Insurance customer reviews
On their own website, LV= have customer reviews verified by Reevoo. Their pet insurance service is rated as 9 out of 10, based on over 400 reviews.
On Reviews.co.uk, LV= as a company has 4.5 out of 5 stars, based on 143 reviews.
Expert reviews of LV= pet Insurance
The Pet Insurance Guide gave LV= Pet Insurance 3.7 out of 5 stars. This was calculated from the following scores: 4/4 for policies, 2.5/3 for benefits and small print, 1.5/3 for renewal premium, 1.5/3 for customer satisfaction and 1.5/2 for excess and contribution.
Independent financial researcher Defaqto rated LV=’s Premier Cat Insurance policy as 5 Star and the company’s Essential policy as 3 Star (rating was not available for Dog Insurance).
A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.
A 5 Star rated policy has “an excellent product with a comprehensive range of features and a 3 Star rated policy “has an average level of features and benefits”.
How to make a claim on LV= pet Insurance?
Step 1: Take your pet to the vet to be treated.
Step 2: Contact LV=’s claim line on 0800 756 8567 to request a claim form.
Step 3: Check the pre-filled information on the form is correct and fill in the remaining sections, sign and date the form.
Step 4: Ask your vet to fill in the sections of the form relevant to them and sign it.
Step 5: Send the form, along with all the relevant documents to the address shown on the claim form.
Step 6: LV= aim to pay all successful claims within 7-10 days of the receipt of the claim form and all other relevant information. They can pay your vet directly, as long as the vet allows it.
If you require any further assistance, you can contact LV=’s pet insurance customer helpline on 0800 022 3906.
Other services available from LV=
The company also offers investment services, retirement and pension services and legal services.