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 £75 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 of £75 or £150, 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 do not need to pay an excess for other types of claims, such as holiday cancellation, death from illness or accident, or advertising and reward in case your pet goes missing.
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.
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