Is LV Pet Insurance Worth It? Reviews & Insights 2025

Charlotte Green
Charlotte Green
updated on 27 May 2025
LV
On our comparison tool
4,4
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Our expert's opinion on LV

LV= Pet Insurance, managed by Allianz, stands out in the UK pet insurance landscape with its comprehensive Lifetime policy, tailored to protect cats and dogs against illness and accidents throughout their lives (pending renewal). While specific plan distinctions are set per certificate (with personalised limits and excesses), the cover is premium-grade: it includes vet bills, dental cover under clear veterinary conditions, therapies (hydrotherapy, physiotherapy, etc.), euthanasia, loss/theft, death, emergency travel, and civil liability for dogs, with extensive UK and EEA territorial coverage (up to 180 days abroad per year). The contract allows adjustment of excess to suit budget and risk profile. LV is recognised for its consistently fast claims processing, robust digital customer pathways and proactive support, including 24/7 tele-vet via FirstVet, legal helpline, and bereavement support. As part of the Allianz group, LV serves over 4.5 million UK policyholders, and is widely described as efficient, competitive and trustworthy; it responds to 97% of negative Trustpilot feedback, typically within 24 hours, and enjoys an estimated Trustpilot score over 4/5 (with hundreds of reviews). LV= is ideal for owners seeking premium continuous cover, especially for young to middle-aged animals or those seeking a well-managed, all-inclusive service. Age limits apply for certain cover (e.g., death by illness), and pre-existing conditions are not covered.

  • Lifetime annual cover with comprehensive range of benefits
  • Tailored limits and excess to animal and age
  • 24/7 free video veterinary advice via FirstVet
  • Fast, digital-first claims process and responsive customer service
  • Premium protection including dental, therapies, travel, third party liability
  • Support services: legal helpline, bereavement support
  • Highly trusted brand with solid financial backing (Allianz group)
  • No personalised advice at underwriting
  • No cover for pre-existing conditions or preventative care
  • Certain breeds and working animals excluded
  • Death-by-illness cover lost after age limit (9 for dogs, 11 for cats)
  • Franchise/excess and limits vary; details only disclosed in each policy
Table of Contents
  • LV Warranties
  • LV exclusions
  • LV rates
  • LV Assistance
  • Customer feedback on LV
  • How to contact LV?
  • FAQ
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LV Warranties

LV= offers a high-end, lifetime pet insurance covering both cats and dogs, without tiered formulas—cover, reimbursement rate, and excess are tailored per individual policy and animal profile. The policy stands out for its comprehensive lifetime veterinary cover for both illness and accident, global emergency care (up to 180 days in Europe), and competitive service extras: free 24/7 vet video consultation and strong owner support services. Its strengths include an annual renewable vet fee cap, expert-approved alternative therapies, and a broad range of travel and third-party liability protections; but it notably excludes preventive care (like vaccination, routine dental, neutering) and does not cover pre-existing conditions or hereditary issues. The major shortfall is the absence of a “prevention package” and a lack of visibility on annual caps and reimbursement percentages before quotation, as these are always specified case by case. LV= is uniquely positioned for pet owners seeking adaptable, personalised, and seamless UK/EU coverage, especially those valuing 24/7 quick-access support for health and legal matters.

Name of Cover/BenefitLV= Pet Insurance (Lifetime)
Product positioningPremium, lifetime, annual renewal, fully personalised (no classic formula tiers)
Type of coverAccident + illness, lifetime coverage, annual cap, international travel
Animals coveredCats and dogs only; min. 8 weeks; working guards/race dogs excluded
Reimbursement rate %Policy-specific; tailored on quote (details in Certificate of Insurance)
Annual reimbursement ceiling (vet fees)Policy-specific, on Certificate (individual to pet/owner)
Annual/excess per claimVariable excess (per claim/event), defined per pet/age, confirmed on quotation
Age min & max for enrolment (cats/dogs)Cat: Min 8 weeks, no upper limit stated; Dog: Min 8 weeks, no upper limit stated
Pre-enrolment health questionnaire?Health history considered; pre-existing illness/trauma strictly excluded
Waiting period for illness14 days from policy start
Waiting period for accident48 hours from policy start
Lifetime cover if insured continuously?Yes, as long as annually renewed and premiums paid
Vet consultations (routine/urgent/specialist)Covered, within annual limit
MedicationIncluded (prescribed by UK/EU-registered vet)
HospitalisationCovered within annual max
Ambulance costsCovered where necessary, up to annual cap
Surgery, anaesthesiaCovered for illness/accident, within annual limit
Scans/Imaging (MRI, ultrasound, CT)Covered, within policy annual max
Laboratory analysesCovered, up to policy’s limit
RadiotherapyIncluded, if vet-prescribed and essential for illness/accident
DentistryCovered only if due to accident or non-preventable disease & annual checkups up
Scale & polish (routine dental)Not covered (routine/preventive excluded)
Prevention package (amount, what’s in it)Not included; all preventive care excluded
Alternative medicine (acupuncture, osteopathy)Yes, limited to 10 sessions/year per condition (homeopathy unlimited w/in cap)
Therapeutic dietCovered only if vet-prescribed as ‘medication’, not routine/preventive
Geographic cover (travel)UK/EU countries & listed territories, max 180 days/year abroad
Death/bereavement coverDeath by illness covered up to 9 yrs (dog)/11 yrs (cat), accident: no age limit
EuthanasiaCovered if medically necessary
Theft/loss/search costsLoss/theft covered (acquisition value), search ads up to £50, rewards up to £500
Boarding fees (owner hospitalisation)Up to £30/day, conditions apply
Main features and cover details for LV= Pet Insurance (Lifetime)
Product positioning
LV= Pet Insurance (Lifetime)
Premium, lifetime, annual renewal, fully personalised (no classic formula tiers)
Type of cover
LV= Pet Insurance (Lifetime)
Accident + illness, lifetime coverage, annual cap, international travel
Animals covered
LV= Pet Insurance (Lifetime)
Cats and dogs only; min. 8 weeks; working guards/race dogs excluded
Reimbursement rate %
LV= Pet Insurance (Lifetime)
Policy-specific; tailored on quote (details in Certificate of Insurance)
Annual reimbursement ceiling (vet fees)
LV= Pet Insurance (Lifetime)
Policy-specific, on Certificate (individual to pet/owner)
Annual/excess per claim
LV= Pet Insurance (Lifetime)
Variable excess (per claim/event), defined per pet/age, confirmed on quotation
Age min & max for enrolment (cats/dogs)
LV= Pet Insurance (Lifetime)
Cat: Min 8 weeks, no upper limit stated; Dog: Min 8 weeks, no upper limit stated
Pre-enrolment health questionnaire?
LV= Pet Insurance (Lifetime)
Health history considered; pre-existing illness/trauma strictly excluded
Waiting period for illness
LV= Pet Insurance (Lifetime)
14 days from policy start
Waiting period for accident
LV= Pet Insurance (Lifetime)
48 hours from policy start
Lifetime cover if insured continuously?
LV= Pet Insurance (Lifetime)
Yes, as long as annually renewed and premiums paid
Vet consultations (routine/urgent/specialist)
LV= Pet Insurance (Lifetime)
Covered, within annual limit
Medication
LV= Pet Insurance (Lifetime)
Included (prescribed by UK/EU-registered vet)
Hospitalisation
LV= Pet Insurance (Lifetime)
Covered within annual max
Ambulance costs
LV= Pet Insurance (Lifetime)
Covered where necessary, up to annual cap
Surgery, anaesthesia
LV= Pet Insurance (Lifetime)
Covered for illness/accident, within annual limit
Scans/Imaging (MRI, ultrasound, CT)
LV= Pet Insurance (Lifetime)
Covered, within policy annual max
Laboratory analyses
LV= Pet Insurance (Lifetime)
Covered, up to policy’s limit
Radiotherapy
LV= Pet Insurance (Lifetime)
Included, if vet-prescribed and essential for illness/accident
Dentistry
LV= Pet Insurance (Lifetime)
Covered only if due to accident or non-preventable disease & annual checkups up
Scale & polish (routine dental)
LV= Pet Insurance (Lifetime)
Not covered (routine/preventive excluded)
Prevention package (amount, what’s in it)
LV= Pet Insurance (Lifetime)
Not included; all preventive care excluded
Alternative medicine (acupuncture, osteopathy)
LV= Pet Insurance (Lifetime)
Yes, limited to 10 sessions/year per condition (homeopathy unlimited w/in cap)
Therapeutic diet
LV= Pet Insurance (Lifetime)
Covered only if vet-prescribed as ‘medication’, not routine/preventive
Geographic cover (travel)
LV= Pet Insurance (Lifetime)
UK/EU countries & listed territories, max 180 days/year abroad
Death/bereavement cover
LV= Pet Insurance (Lifetime)
Death by illness covered up to 9 yrs (dog)/11 yrs (cat), accident: no age limit
Euthanasia
LV= Pet Insurance (Lifetime)
Covered if medically necessary
Theft/loss/search costs
LV= Pet Insurance (Lifetime)
Loss/theft covered (acquisition value), search ads up to £50, rewards up to £500
Boarding fees (owner hospitalisation)
LV= Pet Insurance (Lifetime)
Up to £30/day, conditions apply
Main features and cover details for LV= Pet Insurance (Lifetime)
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Informations importantes

Full benefit details (annual cap, % reimbursement, excess) set out in the individual Certificate of Insurance at quote/signup. No multi-formula structure; all key limits are personal and confirmed policyholder by policyholder.

Good to know: No cap stated on annual vet visits or number of claims, but each claim is subject to the annual limit defined for your insured pet. Preventive, elective, and routine care (including vaccinations, flea/worming, and dental cleaning) are always excluded. Pre-existing conditions and hereditary/congenital disorders are not covered under any plan. Optional upgrades or downgrades to excess and coverage available only at renewal, subject to acceptance of prior claim history. Emergency evacuation, repatriation, and cancellation of pre-booked travel are included in the standard scheme.

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LV exclusions

Exclusions under the LV= Pet Insurance policy are comprehensive and follow industry standards, but several aspects stand out in comparison to competitors. All pre-existing conditions and any illnesses or injuries occurring during the initial waiting period are strictly excluded, with explicit refusal for claims related to breeds considered dangerous or animals used for working, racing, or guarding. Notably, lifetime dental cover is only available when regular dental checks and evidence of routine prophylaxis are provided, and voluntary or convenience procedures (routine neutering, vaccinations, grooming, etc.) are never covered. Claims linked to negligence, non-compliance with health protocols (e.g., up-to-date vaccines), or breaches of the owner's responsibilities (such as missing identification or late claim declaration) are always refused. Additionally, there is a strict limit on foreign cover (up to 180 consecutive days per year) and no liability protection outside the UK for dogs.

ExclusionsDetails
Medical exclusions- All pre-existing conditions or their consequences
- Illness/injury during the waiting period
- Preventive and comfort care (routine vaccination, deworming, neutering, routine scaling, grooming, convenience dental work)
- Non-essential or experimental treatments
- Conditions arising from non-compliance with owner obligations (e.g., missed vaccinations, poor maintenance)
- Dental care unless regular prophylaxis documented
- Participation in clinical trials or experimental therapies
Animal/identification exclusions- Dogs or cats under 8 weeks old
- Animals used for security, racing, or guarding
- Prohibited or dangerous dog breeds (e.g., Pit Bull, Tosa, Dogo Argentino, American XL Bully)
- Absent or non-compliant microchip or identification
Geographic exclusions- Vet fees outside UK and listed EEA/associated states when >180 days/year
- Third party liability only operative within UK (for dogs)
- No claim for events outside covered territories
Owner compliance & conduct- Claims resulting from negligence, ill intent, or gross misconduct by owner or custodians
- Costs following non-timely notification, incomplete supporting documents, or fraudulent/incorrect declarations
- Double insurance: claim not payable if another insurer covers the risk
Exclusion of certain incidents- Injuries or damage during illegal activity, organized fights, unlawful hunting or attack on livestock
- Claims linked to war, terrorism, radioactive/nuclear incidents
- Costs when contract suspended/terminated (unpaid premium, expired contract, etc.)
Summary table of major exclusions specified in the LV= Pet Insurance policy
Medical exclusions
Details
- All pre-existing conditions or their consequences
- Illness/injury during the waiting period
- Preventive and comfort care (routine vaccination, deworming, neutering, routine scaling, grooming, convenience dental work)
- Non-essential or experimental treatments
- Conditions arising from non-compliance with owner obligations (e.g., missed vaccinations, poor maintenance)
- Dental care unless regular prophylaxis documented
- Participation in clinical trials or experimental therapies
Animal/identification exclusions
Details
- Dogs or cats under 8 weeks old
- Animals used for security, racing, or guarding
- Prohibited or dangerous dog breeds (e.g., Pit Bull, Tosa, Dogo Argentino, American XL Bully)
- Absent or non-compliant microchip or identification
Geographic exclusions
Details
- Vet fees outside UK and listed EEA/associated states when >180 days/year
- Third party liability only operative within UK (for dogs)
- No claim for events outside covered territories
Owner compliance & conduct
Details
- Claims resulting from negligence, ill intent, or gross misconduct by owner or custodians
- Costs following non-timely notification, incomplete supporting documents, or fraudulent/incorrect declarations
- Double insurance: claim not payable if another insurer covers the risk
Exclusion of certain incidents
Details
- Injuries or damage during illegal activity, organized fights, unlawful hunting or attack on livestock
- Claims linked to war, terrorism, radioactive/nuclear incidents
- Costs when contract suspended/terminated (unpaid premium, expired contract, etc.)
Summary table of major exclusions specified in the LV= Pet Insurance policy

LV rates

Overall, LV= Pet Insurance positions itself at a median to slightly competitive price point relative to UK market standards, thanks to a comprehensive “Lifetime” policy managed mostly online and by phone. The coverage is robust, including high reimbursement caps per year, many included treatments (alternative therapies, dental under conditions, behavioural coverage), and practical assistance services without many hidden exclusions. Excess amounts and ceilings are personalised by animal and age, offering potential flexibility to keep costs under control. While not the absolute cheapest, LV= stands out for its extensive guarantees, digital user experience, and rapid claims service, all praised by customers for reliability and ease of use. It suits owners seeking balanced, quality cover at a fair price, especially if they value operational efficiency and service over bare-minimum economic options.

Lifetime Cover (£/month)
Young Cat (2–4 yrs)£13
Senior Cat (7–8 yrs)£19
Small Breed Dog (2–4 yrs)£17
Large Breed Dog (2–4 yrs)£29
Senior Dog (7–8 yrs)£32
Example monthly premiums for LV= Lifetime pet insurance based on age and animal.
Young Cat (2–4 yrs)
Lifetime Cover (£/month)
£13
Senior Cat (7–8 yrs)
Lifetime Cover (£/month)
£19
Small Breed Dog (2–4 yrs)
Lifetime Cover (£/month)
£17
Large Breed Dog (2–4 yrs)
Lifetime Cover (£/month)
£29
Senior Dog (7–8 yrs)
Lifetime Cover (£/month)
£32
Example monthly premiums for LV= Lifetime pet insurance based on age and animal.

Compare before you buy to ensure you’re getting the most suitable cover at the best price for your pet’s profile.

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LV promo codes

LV Promo CodesDetails
HelloSafe Promo Code-5% off your quote
List of available LV promo codes.
HelloSafe Promo Code
Details
-5% off your quote
List of available LV promo codes.

Note: Promo codes are subject to change. For the latest promo codes, please check our comparison of the best pet insurance providers.

How much will I be reimbursed with LV?

TreatmentAverage Price (GBP)LV= Lifetime (up to annual limit, excl. excess)
Spay/Neuter (Castration/Sterilisation)£200Not covered (routine procedure excluded)
Remainder: £200
Annual Vaccination£60Not covered (preventive care excluded)
Remainder: £60
Emergency surgery (example: foreign body removal)£1,200Reimbursed £1,200
Remainder: £0 (excl. excess)
Dental procedure (tooth extraction due to illness/injury)£350Reimbursed £350 (if due to illness/injury & dental care up to date)
Remainder: £0 (excl. excess)
Consultation + medication for skin allergy£110Reimbursed £110
Remainder: £0 (excl. excess)
Examples of average veterinary treatment costs and LV= Lifetime reimbursement in the UK
Spay/Neuter (Castration/Sterilisation)
Average Price (GBP)
£200
LV= Lifetime (up to annual limit, excl. excess)
Not covered (routine procedure excluded)
Remainder: £200
Annual Vaccination
Average Price (GBP)
£60
LV= Lifetime (up to annual limit, excl. excess)
Not covered (preventive care excluded)
Remainder: £60
Emergency surgery (example: foreign body removal)
Average Price (GBP)
£1,200
LV= Lifetime (up to annual limit, excl. excess)
Reimbursed £1,200
Remainder: £0 (excl. excess)
Dental procedure (tooth extraction due to illness/injury)
Average Price (GBP)
£350
LV= Lifetime (up to annual limit, excl. excess)
Reimbursed £350 (if due to illness/injury & dental care up to date)
Remainder: £0 (excl. excess)
Consultation + medication for skin allergy
Average Price (GBP)
£110
LV= Lifetime (up to annual limit, excl. excess)
Reimbursed £110
Remainder: £0 (excl. excess)
Examples of average veterinary treatment costs and LV= Lifetime reimbursement in the UK

LV Assistance

LV offers a valuable 24/7 video veterinary advice service via FirstVet, allowing pet owners quick access to expert guidance at any time. There is no pet care advance payment feature like Payvet or Petcard, which may hinder cash flow in urgent cases. Claims management is entirely online or by phone, but there is no dedicated mobile app for pet insurance, which limits access to digital tools for claims tracking or document submission. Emergency veterinary coordination, direct veterinary partnerships, and service networks are not mentioned, potentially reducing support in critical situations. Overseas coverage is broad and clear (EEA and several European regions for up to 180 days), but facility for pet owners residing abroad is not provided.

Assistance LVDisponible ?Détails
Advance of feesNo advance payment system. Owners must pay the vet directly and claim reimbursement afterwards.
Payment facilitiesNo mention of payment facilities such as instalments or interest-free credit for either premiums or veterinary bills.
Mobile appNo dedicated pet insurance app referenced. Management and claims are handled via web and telephone.
Digital claims managementClaims are submitted via an online portal or by email. No need to send postal paperwork. Notifications by email or SMS keep owners informed of progress.
Veterinary emergency24/7 online veterinary advice provided through FirstVet, including video consultations at no additional cost. No direct emergency hotline or in-person veterinary emergency organisation.
Veterinary and clinic networkNo specific network of partner clinics or veterinarians is indicated, owners may use any licensed vet.
Overseas coverageTreatment covered in UK, EEA, Switzerland, Norway, and several European microstates, up to 180 days outside the UK per year. Permanent foreign residence is not covered.
Overview of LV pet insurance assistance services.
Advance of fees
Disponible ?
Détails
No advance payment system. Owners must pay the vet directly and claim reimbursement afterwards.
Payment facilities
Disponible ?
Détails
No mention of payment facilities such as instalments or interest-free credit for either premiums or veterinary bills.
Mobile app
Disponible ?
Détails
No dedicated pet insurance app referenced. Management and claims are handled via web and telephone.
Digital claims management
Disponible ?
Détails
Claims are submitted via an online portal or by email. No need to send postal paperwork. Notifications by email or SMS keep owners informed of progress.
Veterinary emergency
Disponible ?
Détails
24/7 online veterinary advice provided through FirstVet, including video consultations at no additional cost. No direct emergency hotline or in-person veterinary emergency organisation.
Veterinary and clinic network
Disponible ?
Détails
No specific network of partner clinics or veterinarians is indicated, owners may use any licensed vet.
Overseas coverage
Disponible ?
Détails
Treatment covered in UK, EEA, Switzerland, Norway, and several European microstates, up to 180 days outside the UK per year. Permanent foreign residence is not covered.
Overview of LV pet insurance assistance services.

Customer feedback on LV

Review SiteRating and Number of Reviews
Trustpilot4.5/5 from 75,000+ reviews
Reviews.io4.6/5 from 22,000+ reviews
Feefo4.8/5 from 42,000+ reviews
Ratings and review counts for LV pet insurance on different review websites
Trustpilot
Rating and Number of Reviews
4.5/5 from 75,000+ reviews
Reviews.io
Rating and Number of Reviews
4.6/5 from 22,000+ reviews
Feefo
Rating and Number of Reviews
4.8/5 from 42,000+ reviews
Ratings and review counts for LV pet insurance on different review websites

We analysed the reviews from the sites listed above. On the positive side, policyholders who took out pet insurance with LV most often mention:

  • A highly efficient and responsive customer service: the helpfulness and friendliness of LV’s support teams are consistently highlighted.
  • The speed and simplicity of claims payments: reimbursements are frequently described as quick and hassle-free, with status updates throughout the process.
  • An easy-to-use and clear online portal: clients note the website is straightforward to navigate, making policy management and renewal stress-free.
  • Transparent and competitive pricing: many customers judge premiums to offer good value for money given the level of coverage.
  • Trustworthiness and reliability of the company: LV is viewed as dependable, providing support and reassurance in difficult moments (such as pet illness or loss).

On the negative side:

  • Some policyholders experience difficulties obtaining quotes for pets that fall outside favourable risk profiles, especially older animals, and are occasionally referred elsewhere.
  • Annual premium increases can feel steep as pets age, leading to disappointment for some long-standing clients.
  • There are occasional reports of cover restrictions and exclusions for pre-existing conditions or specific breeds, causing frustration and denial of claims in certain situations.
  • A few customers mention that the claim limit per policy year can feel insufficient for major or ongoing treatments.
  • Communication about changes to terms or renewals is sometimes perceived as rushed or lacking detail, making understanding adjustments harder for some clients.

How to contact LV?

Service client LVDetails
To get a quote or subscribe onlineYou can use the HelloSafe best pet insurance comparison tool, choose the plan that suits you, and click to get a quote.
To request and track a reimbursementContact the LV= Pet Insurance claims service:
- Phone: 0330 100 9831
- Email: [email protected]
- Postal address: LV= Pet, PO Box 221, Huddersfield, HD8 1FP, UK
- Attach: claim form, detailed veterinary invoices, any requested evidence (veterinarian report, prescription, etc.).
- Deadlines: fast processing, tracking notifications via SMS/email.
- Average reimbursement time: usually observed within 7 weeks (may be faster for pet insurance).
- Reimbursement by bank transfer or check depending on IBAN/details you provide with your claim.
To get a certificate of insuranceContact customer service:
- Phone: 0330 100 9712
- Quick access via the online form at www.lv.com/pet-insurance/customer-support
- Request the certificate of insurance by providing your name, contract number, and necessary information. The certificate will be sent to you by email or post.
To contact assistanceSeveral options depending on your needs:
- For 24/7 veterinary emergencies: access FirstVet at www.lv.com/pet-insurance/existing-customers/first-vet (video consultation)
- For other questions: Customer service at 0330 100 9712
- For pet bereavement support: 0800 138 6533 (Blue Cross animal bereavement service).
To cancel my contractCancellation possible at any time, free of charge within 14 days after subscription/renewal, otherwise pro-rata reimbursement.
- Phone: 0330 100 9712
- Email (written request recommended): [email protected] or via www.lv.com/pet-insurance/customer-support
- Postal address: LV= Pet, PO Box 221, Huddersfield, HD8 1FP, UK
- Please provide: name, contract number, address, reason for cancellation (optional), signature.
- No additional document required except if requested to verify your identity.
- Notice: cancellation takes effect upon receipt or on the desired date.
- A pro-rata refund of unused premiums is made (unless a reimbursement has already been made for the period).
LV= Pet Insurance customer service contacts and procedures
To get a quote or subscribe online
Details
You can use the HelloSafe best pet insurance comparison tool, choose the plan that suits you, and click to get a quote.
To request and track a reimbursement
Details
Contact the LV= Pet Insurance claims service:
- Phone: 0330 100 9831
- Email: [email protected]
- Postal address: LV= Pet, PO Box 221, Huddersfield, HD8 1FP, UK
- Attach: claim form, detailed veterinary invoices, any requested evidence (veterinarian report, prescription, etc.).
- Deadlines: fast processing, tracking notifications via SMS/email.
- Average reimbursement time: usually observed within 7 weeks (may be faster for pet insurance).
- Reimbursement by bank transfer or check depending on IBAN/details you provide with your claim.
To get a certificate of insurance
Details
Contact customer service:
- Phone: 0330 100 9712
- Quick access via the online form at www.lv.com/pet-insurance/customer-support
- Request the certificate of insurance by providing your name, contract number, and necessary information. The certificate will be sent to you by email or post.
To contact assistance
Details
Several options depending on your needs:
- For 24/7 veterinary emergencies: access FirstVet at www.lv.com/pet-insurance/existing-customers/first-vet (video consultation)
- For other questions: Customer service at 0330 100 9712
- For pet bereavement support: 0800 138 6533 (Blue Cross animal bereavement service).
To cancel my contract
Details
Cancellation possible at any time, free of charge within 14 days after subscription/renewal, otherwise pro-rata reimbursement.
- Phone: 0330 100 9712
- Email (written request recommended): [email protected] or via www.lv.com/pet-insurance/customer-support
- Postal address: LV= Pet, PO Box 221, Huddersfield, HD8 1FP, UK
- Please provide: name, contract number, address, reason for cancellation (optional), signature.
- No additional document required except if requested to verify your identity.
- Notice: cancellation takes effect upon receipt or on the desired date.
- A pro-rata refund of unused premiums is made (unless a reimbursement has already been made for the period).
LV= Pet Insurance customer service contacts and procedures

FAQ

Do I have to pay vet bills upfront with LV= Pet Insurance?

With LV= Pet Insurance, you usually pay your vet bills upfront and then claim the eligible costs back. LV does not currently offer a direct payment system (such as Payvet/third-party payment) with vets. After treatment, you’ll need to submit your claim (online, by email or post) with the required invoices and documents for reimbursement.

How do I cancel my LV= pet insurance policy?

You can cancel your LV= pet insurance at any time by contacting their customer service by phone, email, online form, or post. There’s a 14-day cooling-off period from when your policy starts or renews, during which you can cancel with a full refund. After that, cancellations are processed on a pro-rata basis, and you typically don’t need to provide extra documents unless requested.

What pets are eligible for LV= Pet Insurance?

LV= Pet Insurance is available for cats and dogs from 8 weeks old, as long as they are not used for guarding, racing, or prohibited breeds such as Pit Bull Terrier, Tosa, Dogo Argentino, and American XL Bully. Pre-existing health conditions are excluded, as are animals with symptoms prior to cover starting.

What does LV= Pet Insurance cover?

LV= offers a Lifetime policy, covering vet fees for accidents and illnesses up to an annual limit, which resets each year as long as the policy is renewed. Covered costs include consultations, surgery, prescriptions, hospitalisation, certain dental care, complementary therapies, and more. Optional extras include liability for dogs, loss or theft, death, travel cancellation, and pet boarding costs—check your Certificate for personal limits.

Are there waiting periods before cover starts?

Yes, LV= applies waiting periods for new policies: injury cover starts after 48 hours, while illness cover begins 14 days after your policy starts. Conditions or symptoms appearing during these waiting periods, or before your policy begins, are excluded from future claims.

Do I have to pay vet bills upfront with LV= Pet Insurance?

With LV= Pet Insurance, you usually pay your vet bills upfront and then claim the eligible costs back. LV does not currently offer a direct payment system (such as Payvet/third-party payment) with vets. After treatment, you’ll need to submit your claim (online, by email or post) with the required invoices and documents for reimbursement.

How do I cancel my LV= pet insurance policy?

You can cancel your LV= pet insurance at any time by contacting their customer service by phone, email, online form, or post. There’s a 14-day cooling-off period from when your policy starts or renews, during which you can cancel with a full refund. After that, cancellations are processed on a pro-rata basis, and you typically don’t need to provide extra documents unless requested.

What pets are eligible for LV= Pet Insurance?

LV= Pet Insurance is available for cats and dogs from 8 weeks old, as long as they are not used for guarding, racing, or prohibited breeds such as Pit Bull Terrier, Tosa, Dogo Argentino, and American XL Bully. Pre-existing health conditions are excluded, as are animals with symptoms prior to cover starting.

What does LV= Pet Insurance cover?

LV= offers a Lifetime policy, covering vet fees for accidents and illnesses up to an annual limit, which resets each year as long as the policy is renewed. Covered costs include consultations, surgery, prescriptions, hospitalisation, certain dental care, complementary therapies, and more. Optional extras include liability for dogs, loss or theft, death, travel cancellation, and pet boarding costs—check your Certificate for personal limits.

Are there waiting periods before cover starts?

Yes, LV= applies waiting periods for new policies: injury cover starts after 48 hours, while illness cover begins 14 days after your policy starts. Conditions or symptoms appearing during these waiting periods, or before your policy begins, are excluded from future claims.

Charlotte Green
Charlotte Green
HelloSafe
Charlotte is a finance content specialist with a sharp analytical mind and a strong academic background. She holds a degree in Philosophy, Politics and Economics (PPE) from the University of Oxford and a Master’s in Behavioural Economics from the London School of Economics. Her academic training gave her the tools to make sense of complex financial systems—and to explain them in a way that’s both smart and relatable. Before joining HelloSafe, Charlotte worked in editorial roles for financial media and strategy firms, where she focused on personal finance, digital banking, and policy analysis. She is passionate about helping people make informed decisions about their money, especially in an age where the financial landscape is changing fast. At HelloSafe, she covers key topics such as insurance, tax, utilities, credit and budgeting tools. Her mission: provide clear, honest and actionable insights that empower readers to take control of their financial lives with confidence.

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