LV= offers a range of insurance policies for both cats and dogs. See how they work and compare your options below.
LV=, also known as Liverpool Victoria, was originally founded in 1843 and is one of the UK’s largest insurance companies. It offers a number of retirement, investment and insurance products, including car, life, home, travel and pet insurance.
LV= pet insurance is underwritten by Liverpool Victoria Insurance Company Limited.
LV= offers both time-limited and lifetime cover for cats and dogs. There are five levels of cover in total, with two time-limited and three lifetime policies.
LV= pet insurance policies offer cover for a range of issues, but what you can claim will vary depending on the level of cover you get. Whether you opt for time-limited or lifetime cover, there are multiple cover limits that you can choose from. These are:
|Benefit||Time-limited (£1,500)||Time-limited (£2,500)||Lifetime (£3,000)||Lifetime (£5,000)||Lifetime (£10,000)|
|Complementary treatment||5 sessions||5 sessions||10 sessions||10 sessions||10 sessions|
|Third party liability (dogs only)||✓||✓||✓||✓||✓|
|Theft or straying||✓||✓||✓||✓||✓|
|Advertising and reward||✓||✓||✓||✓||✓|
|Death from illness or accident||✓||✓||✓||✓||✓|
If you have more than one pet, you can get a 5% discount if you insure your pets on the same policy. Puppies and kittens over 8 weeks old can be insured, and you’ll also receive a 10% discount if you purchase your insurance online.
LV= insurance is intended for dogs and cats and does not offer cover for other types of pets. LV= pet insurance will not cover your pet’s pre-existing conditions, though it does cover some dental work, provided your pet has regular check-ups and you have taken preventative measures.
Your excess is the amount you will have to pay every time you make a claim. There is a standard excess fee for every vet treatment that you claim for. With a lifetime policy, you will only pay the excess once per year for each condition. For a time-limited policy, you will only pay once for each condition.
You can choose to add a voluntary excess, which will reduce the cost of your insurance premium. If you have a lifetime policy and your pet reaches a certain age, you will need to pay an excess equal to 20% of the treatment cost, after the regular excess has been deducted. You will also need to pay a £250 excess for each third party liability claim on the lifetime £10,000 policy.
You will need to download a claim form from the LV= website or request one by phone. The claim will need to be completed by both you and your vet.
Once you have completed the form, you can email it to email@example.com or post it to Pet Claims Department, The Connect Centre, Kingston Crescent, Portsmouth PO2 8QL.
You’ll need to provide the following information as part of your claim:
LV= aims to process and pay all claims within 7 to 10 working days.
We’ve tested, analysed and scored trading apps to find the 10 best trading platforms in the UK, who they’re best for and the pros and cons.
Everything we know about the Shein IPO, plus information on how to buy shares.
Help your kids learn to budget, manage their money and save this festive season with these simple money lessons.
Robinhood is close to launching in the UK. Find out when it’s happening, what investments will be available on the commission-free trading app and how it plans to make money.
There’s one week to go until FinTech Connect 2023 returns to London on 6 and 7 December. Get 20% off your ticket with Finder.
We look at the average APR on credit cards in the UK and how credit card interest rates have changed over time.
Finder collaborated with the smart money app, Plum, to compare how easy access savings rates around the world compared with the local base rate.
Everything we know about the OpenAI IPO, plus information on how to buy shares.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.