LV Pet Insurance

LV Pet Insurance combines their trusted financial services heritage with comprehensive pet coverage, offering policies with veterinary fee coverage up to £10,000 annually. Their straightforward approach includes Standard and Premium options, both featuring essential coverage like dental accidents, complementary treatments, and behavioral support. LV's Member Benefits program provides additional value through discounts and exclusive offers across their insurance portfolio.

Coverage Benefits

Vet Fee Coverage

Maximum Vet Fees

Covered each year up to no limit per condition with £5,000 yearly limit

Claim Limit

No limit

Vet Fees Excess

You'll pay £75 per condition per year

Additional Benefits

  • Death by Accident Cover: £1,500
  • Third Party Liability: £2,000,000
  • Boarding Fees: £1,500
  • Lost or Stolen Cover: £1,500

Support Services

  • UK-Based Call Centers
  • Vet Advice Helpline
  • Bereavement Counselling
  • Legal Advice Service

Premium & Cost Breakdown

Annual Premiums

Minimum Premium:£62.12
Average Premium:£407.39
Maximum Premium:£3492.56

Monthly Payment Option

Average monthly payment: £99.95

Number of instalments: 12

Initial deposit required: 0

Premium Distribution

Premium Range
£62.12 - £3492.56

Distribution based on policy data analysis

What Affects Your Premium

  • Pet's age, breed, and species
  • Coverage level selected (Basic, Standard, or Premium)
  • Your location and local vet costs
  • Previous claims history

Coverage Highlights

Lifetime CoverMost Popular

Vet Fees

Up to Covered each year up to no limit per condition with £5,000 yearly limit

Excess

You'll pay £75 per condition per year

Key Benefits

  • Dental coverage included
  • Prescription medication covered
  • Complementary treatments

Time Limited Cover

Vet Fees

Up to Covered each year up to no limit per condition with £5,000 yearly limit

Excess

You'll pay £75 per condition per year

Key Benefits

  • Dental coverage included
  • Prescription medication covered
  • Complementary treatments

Policy Coverage and Benefits

Premium Range

Minimum

£62.12

Maximum

£3492.56

Average

£407.39

Cover Types

  • Lifetime
  • Time Limited

Coverage Distribution

Dogs

65.9%

Cats

34.1%

Comprehensive Policy Details

Coverage FeatureBenefitDetails
Vet FeesCovered each year up to no limit per condition with £5,000 yearly limitMaximum amount claimable for veterinary treatment
Death by Accident£1,500Payment if your pet dies due to an accident
Death by Illness£1,500Payment if your pet dies due to illness
Third Party Liability£2,000,000Coverage for damage or injury caused by your pet to others
Lost or Stolen£1,500Coverage if your pet is lost or stolen
Advertising & Reward£1,500Costs for advertising and reward if your pet is lost
Boarding Fees£1,500Kennel/cattery fees if you're hospitalized
Travel CoverageIncludedTravel-related coverage including quarantine costs

Fees & Charges

Policy Fees

Set Up Fee:0
Renewal Fee:0
Cancellation Fee:0
Adjustment Fee:0
Duplicate Documents Fee:0

Excess Information

Standard Excess

£75 - This is the amount you pay towards each new condition claimed for.

Co-Payment

N/A - This is an additional percentage that you pay towards the remaining claim amount after the fixed excess.

Example Claim Calculation

Total vet bill:£800
Fixed excess:-£100
Remaining amount:£700
Co-payment (20%):-£140
Insurer pays:£560
You pay:£240

Frequently Asked Questions

How does the Member Benefits program work?

Members receive exclusive discounts, early renewal offers, and access to multi-policy savings across LV products.

What veterinary fees are covered?

We cover examinations, surgeries, medications, complementary therapies, and dental accidents when vet-recommended.

Can I add multiple pets?

Add multiple pets to save up to 15% on premiums. Each pet can have different coverage levels.

How do policy renewals work?

Policies renew annually with guaranteed coverage for ongoing conditions, subject to policy terms.

Next Steps with LV

How to Get Coverage

  • Visit LV's website directly
  • Takes about 5-10 minutes to complete
  • Have your pet's details ready

Important Note

The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:

  • Your pet's age and breed
  • Your location and coverage needs
  • Current market conditions and provider pricing

Please contact LV directly for the most accurate and up-to-date quotes for your specific situation.