LV= Pet Insurance Review

LV= Pet Insurance Review

Reviewed by:

Choosing the right Pet Insurance is extremely important, as the wrong choice now could have severe financial consequences later and comparing numerous policy terms and conditions can be daunting.

Our independent rating and review highlights the important points we think you should know about when choosing an insurance policy to cover your pet.

Once you have read this review of LV Pet and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are LV= Pet Insurance

LV Pet Insurance reviewed by Jonathan 26/10/2020.


LV= a friendly society founded in 1843, are one of the UK's largest personal lines insurers with over 5 million customers, who offer their services direct to consumers as well as through advisers and brokers.
In 2017 LV became LV=General Insurance Group and announced a strategic partnership with Allianz Holdings Plc who are now their sole shareholder.

In January 2020, LV= acquired Legal and General's general insurance business and at the same time de-registered as a friendly society.

You can choose from Time Limited or Lifetime policies including the four star rated lifetime £10,000 policy.

All pet policies are underwritten by the Liverpool Victoria Insurance Company Limited, authorised by the Prudential Regulation Authority and Regulated by the Financial Conduct Authority and Prudential Regulation Authority.

How to Buy Pet Insurance from LV Pet

Click on the website link to go directly to the insurance providers website. Visit LV Pet's Website and Get a Quotation direct

How LV= Pet Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by LV Pet.

Dog Policy Ratings Click to Expand

We have reviewed 5 Dog Policies from LV= Pet Insurance. They are - Lifetime £10,000 - Lifetime £5,000 - Lifetime £3,000 - Time Limited £2500 - Time Limited £1500. We have rated these as follows:-

Rating for Dog Lifetime £10,000:

Rating for Dog Lifetime £5,000:

Rating for Dog Lifetime £3,000:

Rating for Dog Time Limited £2500:

Rating for Dog Time Limited £1500:

LV= Dog Insurance Review

Rabbit Policy Ratings Click to Expand

found no policies available for this section.

LV= Rabbit Insurance Review

Cat Policy Ratings Click to Expand

We have reviewed 5 Cat Policies from LV= Pet Insurance. They are - Lifetime £10,000 - Lifetime £3,000 - Lifetime £5,000 - Time Limited £2500 - Time Limited £1500. We have rated these as follows:-

Rating for Cat Lifetime £10,000:

Rating for Cat Lifetime £3,000:

Rating for Cat Lifetime £5,000:

Rating for Cat Time Limited £2500:

Rating for Cat Time Limited £1500:

LV= Cat Insurance Review
  • Policies must provide cover for all core sections and all secondary sections.
  • Vets Fees - Policies must provide a minimum maximum benefit of £6,000, or £4,000 per condition and cover either;
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. A maximum benefit per year with a lifetime renewal guarantee.
  • Cruciate Ligaments - Damage to, or disease of the cruciate ligament is a common problem in animals. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £4,000.
  • MRI/CT Scans - If your pet suffers from seizures, paralysis or back problems, your vet may recommend an MRI scan. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £2,000.
  • Euthanasia - If your pet needs to be put to sleep to alleviate further suffering, policies must cover this. A policy must offer at least £100 to cover the cost of euthanasia.
  • Complementary treatments ? The industry average for complementary treatments such as physiotherapy is £1,000. Five star policies have at least this amount of cover.
  • Prescribed Food - All five star policies must cover the cost of prescription food (to treat bladder stones) up to at least £100
  • Dental treatment - Dental treatment for accidents of at least £500.
  • Loss of your Pet - The industry average benefit for loss of your pet due to accident, illness, theft or straying is £1,000. All policies must offer at least this amount.
  • Compulsory excesses - The industry average for the age at which additional compulsory excesses are charged is 6. All five star policies will not charge an additional compulsory excess until at least this age.
  • Five-star policies may provide additional service and cover benefits over and above standard policies.
  • Premiums are competitive in relation to the cover provided.
  • Five-Star policies have clear and consumer friendly, wording and explanations of cover.
  • The standard excess is equal or lower than the £100 market average.
  • Four-star policies cover all core sections and secondary sections under a pet insurance policy.
  • Four-Star policies offer Veterinary Fees cover that are above the market average and provide either
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. A maximum benefit per year with a lifetime renewal guarantee.
  • Four-star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four-star policies may provide additional cover benefits.
  • Premiums are competitive in relation to the cover provided.
  • Four-star policies have clear and consumer friendly wording and explanations of cover.
  • Three star policies cover all core sections, but may not offer all secondary sections of cover.
  • Three star policies cover veterinary fees that may be lower than the market average and provide either
  1. A maximum limit per condition limited to 12 months
  2. A maximum benefit limited to 12 months.
  3. A maximum benefit per condition no renewal guarantee
  4. A maximum limit per condition with a lifetime renewal guarantee; or
  5. A maximum benefit per year with a lifetime renewal guarantee.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies have some secondary covers lower than the market average.
  • Three star policies may not have all the features and benefits of a four or five star policy.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have core and secondary sections of cover missing from their policies.
  • Two star policies cover veterinary fees cover that are below the market average and provide either
  1. Accident only cover,
  2. A maximum limit per condition limited to 12 months,
  3. A maximum benefit limited to 12 months,
  4. A maximum benefit per condition no renewal guarantee,
  5. A maximum limit per condition with a lifetime renewal, guarantee; or
  6. A maximum benefit per year with a lifetime renewal guarantee.
  • Two star policies may have sections of cover missing.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess can be higher than the market average.
  • Policy wordings may not be as consumer friendly as other Insurers and contain more terms and conditions

Key Points you need to know about LV Pet's policy wording

1. What are the eligibility criteria for Pet Insurance?

Your pet must be older than 8 weeks, in good health and you must be it's owner and live with it at an address in the United Kingdom.

You agree to provide proper care and attention and to pay for any treatment recommended to prevent injury or illness.

Your pet must have visited a vet within the last 12 months and be vaccinated against distemper, hepatitis, leptospirosis or parvovirus in the case of dogs and feline infectious enteritis, feline influenza and leukaemia in the case of cats.

2. What type of policies do they offer?

LV= offer two policies time limited and lifetime.

Choose from vet fees cover of either £1,500 or £2,500 per condition limited to a maximum of 12 months.

or vets cover of £3,000, £5,000 or £10,000 per year which can be reinstated provided you renew the policy.

3. What's not covered?

This is a list of important exclusions LV= will not cover;

  1. Your pet if it is used for guard, security, racing.
  2. Out of hours/house calls unless your vet confirms why it couldn't wait until normal surgery.
  3. Vaccinations, flea treatments, wormers, nail clipping, spaying, castration or retained testicles.
  4. Any form of housing, cage, basket or bedding.
  5. Preventative, or routine treatments, examinations, tests, general health supplements, bathing or de-matting.
  6. Blood tests, prior to surgery or a procedure if your pet is less than six years old.
  7. Cosmetic treatment or surgery.
  8. The cost of any transplant surgery
  9. Death cover for dogs aged 9 years or older and cats aged 11 years or older.
  10. Any pet that falls under the restrictions of the dangerous dogs act 1991.
  11. Any dog suffering from distemper, hepatitis, leptospirosis or parvovirus unless their vaccinations are up to date.
  12. Any cat suffering from feline infectious enteritis, feline influenza or leukaemia unless their vaccinations are up to date.
  13. Any treatment not recommended by a vet.
  14. Any notifiable disease named in the Animal Health Act 1981 such as rabies.
  15. Any pet disturbing or injuring livestock.

4. Are complementary treatments covered?

Time Limited policies will cover 5 sessions up to a maximum of £500

Lifetime Policies will cover 10 sessions up to a maximum of between £750 and £1,000 (depending on the chosen policy).

The treatments covered under the policy are Acupuncture, hydrotherapy, osteopathy, physiotherapy, shock wave therapy or chiropractic therapy where both the therapy and the suitably qualified therapist has been recommended by your vet.

Further sessions may be approved subject to confirmation by the vet that there are further improvements to be made and this is replacing other treatment.

In addition lifetime policies will cover treatment or therapy of a mental or emotional disorder recommended by a vet (this includes the use of pheromone products for a maximum of 3 months)

5. Does the policy cover Prescription food and Dentistry?

Time Limited policies will cover dental treatment caused by injury only.

Lifetime policies will cover all dental treatment, including gum or tooth disease, provided your pet has had a check up in the last 12 months and any routine or preventative treatment has been carried out within 3 months of the vets recommendation.

Food is not covered unless it is being used instead of an alternative form of medication.

6. Are MRI/CT scans and Cruciate Ligament claims covered?

All policies cover the cost of MRI/CT scans and cruciate ligament claims up to the vet fees limit, depending on the chosen policy.

7. Does the policy cover the cost of euthanasia?

LV= do not cover the cost of euthanasia.

8. Can I cover more than one pet on the same policy?

Get a 5% multi pet discount when you insure your pets together.

9. Will the policy cover my pets pre-existing medical conditions?

LV= do not cover your pet's pre-existing conditions. These are described as "Any Illness, injury, behavioural problem, or vicious tendency, or any signs of illness, injury, behavioural problem or vicious tendency, that occurred or existed in any form before the start date of the policy".

10. Will the policy cover my pet during pregnancy?

LV= will not cover any treatment of your pet that is connected with pregnancy, giving birth or any complications as a result.

11. Am I covered to take my pet abroad?

If you decided to take your pet abroad under the Pet Travel Scheme, LV= Pet policies provide the same level of cover as in the UK.

There is no limit on the number of trips or trip length. In addition LV= covers holiday cancellation, emergency repatriation, quarantine costs, the cost of replacing a pet passport and repeat worming treatments.

12. Is there a waiting period before I am covered?

There is no cover in the first 48 hours following the start of a policy for any injury and no cover for the first 14 days for any illness or behavioural problems.

13. How much of any claim do I have to pay?

All LV= policies have a fixed excess of £75, although you have the option to increase they and reduce the premium.

14. Am I required to make additional monetary contributions to any claim?

Under LV= Pet Insurance, once your dog turns 8 years of age and cats turn 10 years of age, you will be required to pay an additional 20% of any claim on top of any fixed excess.

For example if your claim is for £1,000 you will have to pay £75 plus 20% of the balance totalling £260.

15. Website Navigation and online shopping experience

Well laid out site that deals with several different insurance types as well as pet insurance.

The site has a good section on explaining the cover and the difference between the policies, as well as access to the policy wording prior to starting a quote.

The quotation system is easy to use and illustrates both types of insurance and the costs involved allowing you to make an informed choice.

LV= do not operate live chat, but you can phone their call centre if you want a phone quote or have a query.

16. Is the policy wording easy to understand?

At 36 pages long, the policy wording is nicely laid out with a summary of cover, index, dedicated page to help lines and claim and admin contact numbers. Colour coded headings and examples of what would and wouldn't be covered under the policy all help with the understanding.

During tests the policy wording scored between 48.1 and 56.8 out of 100. Some parts were difficult to read and some fairly difficult to read. The wording required a reading age of between 18 - 19 to fully understand what was being written.

17. Is the Insurer listed on comparison sites?

LV= only appears on Compare the Market. The levels of cover and premiums are the same as if you went direct.

18. Does the policy include a helpline?

LV= have teamed up with FirstVet to offer free 24/7 video consultations with qualified vets.

19. What do customer reviews say?

Although the reviews on trust pilot (over 24,000) are for all types of insurance. The rating of 4.7 out of 5 gives you some idea of the overall service. The vast majority of customers were happy with LV=.

LV= have received 1256 customer reviews about pet insurance on reevoo with an overall rating of 9 our of 10.

20. Are there any administration charges?

There are no administration charges.

21. Are there any special discounts or promotions?

Save 10% when you buy online direct with LV=.

22. Overall Summary

We rated the lifetime £10,000 as 4 stars, providing above average cover, but missing a few benefits such as euthanasia cover,  prescription food and new quotes being restricted to pets under the age of 7.

Overall LV= policies offer value for money and are reasonably competitive for the levels of covered offered under their policies.

LV= paid out 96.41% of pet claims between 1 Jan and 31 Dec ‘19 and the majority of customers appear to be happy with the service. The only complaint being the usual increase in renewal premium and customer being able to find cheaper new quotes than they were being offered at renewal.

An excellent policy if you plan to take your pet abroad a lot during the year.

LV Pet's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on lv-pet-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how LV= compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for LV= Policies

We've highlighted Pro's and Cons for LV=, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by LV Pet.

  • Lifetime £10,000 policy awarded a 4 star rating
  • Behavioural treatment under lifetime policies
  • 5% multi pet discount.
  • Free 24/7 access to online vets
  • 10% discount when you buy online
  • Lifetime £10,000 policy includes accidental damage to third party property.
  • Comprehensive cover when taking your pet abroad.
  • No Euthanasia cover

What Cover do LV= policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Lifetime £10,000

    Dog

    Lifetime £5,000

    Dog

    Lifetime £3,000

    Dog

    Time Limited £2500

    Dog

    Time Limited £1500

    Dog

    Lifetime £10,000

    Cat

    Lifetime £3,000

    Cat

    Lifetime £5,000

    Cat

    Time Limited £2500

    Cat

    Time Limited £1500

    Cat

Primary Cover toggle

  • Policy Excess
    Policy Excess

    75

    75

    75

    75

    75

    75

    75

    75

    75

    75

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Per Condition Time Limited
    Per Condition Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    2,500

    1,500

    0

    0

    0

    2,500

    1,500

  • Maximum Benefit Time Limited
    Maximum Benefit Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Maximum Benefit Per Condition
    Maximum Benefit Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Lifetime Per Condition
    Lifetime Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    10,000

    5,000

    3,000

    0

    0

    10,000

    3,000

    5,000

    0

    0

  • Dental
    Dental Explanation
    Cover Type Icon

    10,000

    5,000

    3,000

    2,500

    1,500

    10,000

    3,000

    5,000

    2,500

    1,500

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    0

    0

    0

    0

    0

  • Third Party Liability Excess
    Third Party Liability Excess Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    0

    0

    0

    0

    0

  • Cruciate Ligament Rupture
    Cruciate Ligament Rupture Explanation
    Cover Type Icon

    10,000

    5,000

    3,000

    2,500

    1,500

    10,000

    3,000

    5,000

    2,500

    1,500

  • CT/MRI Scans
    CT/MRI Scans Explanation
    Cover Type Icon

    10,000

    5,000

    3,000

    2,500

    1,500

    10,000

    3,000

    5,000

    2,500

    1,500

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    1,000

    750

    750

    500

    500

    1,000

    750

    750

    500

    500

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Emergency Boarding Fees
    Emergency Boarding Fees Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    3,000

    3,000

    3,000

    1,500

    1,500

    3,000

    3,000

    3,000

    1,500

    1,500

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    750

    750

    1,000

    1,000

    1,000

    750

    750

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    1,500

    1,500

    2,000

    2,000

    2,000

    1,500

    1,500

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    10,000

    5,000

    3,000

    2,500

    4,000

    10,000

    3,000

    5,000

    2,500

    1,500

  • Loss of Pet Passport
    Loss of Pet Passport Explanation
    Cover Type Icon

    500

    500

    500

    250

    250

    500

    500

    500

    250

    250

  • Accidental Damage to Property
    Accidental Damage to Property Explanation
    Cover Type Icon

    750

    0

    0

    0

    0

    750

    0

    0

    0

    0

  • Personal Accident (Pets)
    Personal Accident (Pets) Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cremation
    Cremation Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Sample Quotes from LV Pet.

Listed below are some Sample Quotes offered by LV Pet

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Per Condition Time Limited

Age: 1

Breed: Leonberger

Group: Working

LV= Travel Insurance Review
Product Rating

Experience Rating

Time Limited £2500

75

Per Condition Time Limited 2,500

Complimentary Treatment 500

Dental 2,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Medium

Group: Mongrel

LV= Travel Insurance Review
Product Rating

Experience Rating

Lifetime £5,000

75

Lifetime Maximum Benefit 5,000

Complimentary Treatment 750

Dental 5,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 1

Breed: Medium

Group: Mongrel

LV= Travel Insurance Review
Product Rating

Experience Rating

Time Limited £2500

75

Per Condition Time Limited 2,500

Complimentary Treatment 500

Dental 2,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Moggie

Group: Moggie

LV= Travel Insurance Review
Product Rating

Experience Rating

Lifetime £3,000

75

Lifetime Maximum Benefit 3,000

Complimentary Treatment 750

Dental 3,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Type:Cat

Cover:Per Condition Time Limited

Age: 6

Breed: Moggie

Group: Moggie

LV= Travel Insurance Review
Product Rating

Experience Rating

Time Limited £2500

75

Per Condition Time Limited 2,500

Complimentary Treatment 500

Dental 2,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Moggie

Group: Moggie

LV= Travel Insurance Review
Product Rating

Experience Rating

Lifetime £10,000

75

Lifetime Maximum Benefit 10,000

Complimentary Treatment 1,000

Dental 10,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500