Key policy features
- Five cover levels to choose from
- Dental cover included in LV='s lifetime policies
- Up to £10,000 of vet fee cover for its top lifetime policy
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 five types of pet insurance for cats and dogs. It has two time-limited policies with £1,500 or £2,500 of vet fee cover, which kicks in from the first date of treatment of each condition and ends 12 months later or when the policy limit has been reached, whichever happens first.
It has three lifetime policies, with vet fee cover of £3,000, £5,000 or £10,000. The lifetime policies also cover dental treatment, as long as your pet has had an annual dental checkup, and they'll cover up to 10 sessions of complementary treatment. LV='s time-limited policies cover 5 sessions.
The £10,000 lifetime policy is the only of LV='s policies to cover accidental damage to third-party property.
All of its policies offer overseas cover, holiday cancellation and cover for loss, theft or death. The limits may differ between the time limited and lifetime products.
Lifetime (or ‘yearly limit’) insurance covers vet fees up to the policy's limit every year. So long as you renew a lifetime policy each year, the level of vet fees will reset to the full stated limits that you started with. With a lifetime product, it is important to note that your premiums are likely to increase each year at renewal.
For more information about time-limited and lifetime policies, check 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).
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 lifetime policies cover dental treatment for your pet as long as regular check-ups and preventative measures have been taken.
LV=’s time-limited policies cover 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.
We got a couple of quotes for young Border Terriers and Staffies in London and Milton Keynes in February 2018. Prices ranged from around £12 to £16 a month for the cheapest time-limited policy and £33 to £42 a month for the most expensive lifetime policy.
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
- 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 10% 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 550 reviews.
On Reviews.co.uk, LV= as a company has 3.83 out of 5 stars, based on over 155 reviews.
Expert reviews of LV= pet Insurance
Independent financial researcher Defaqto rated LV=’s lifeimte policies as 5 Star and the company’s time-limited policies as 3 Star.
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.