Liverpool Victoria (LV) Pet Insurance Reviews for Dogs (UK)

lv pet insurance review

LV is one of the leading brands when it comes to insurance for cars, homes, and contents. As a result, many find them to be quite trustworthy when it comes to taking care of their pets and ensuring that their health is prioritised. So, we decided to take a look at this pet insurance and see just how good it is. With all of these companies claiming to be the best can become overwhelming quickly, we have put this series of pet insurance guides together for you to make things a little simpler and easier. Take a look at the LV pet insurance reviews for dogs below to see if it’s the right choice for you.

What Pet Insurance Policies Do LV Offer for Dogs?

LV offers two different policies, one of which could be the perfect one for your dog. To help you understand each policy better, as well as what each of them can offer you, we have listed each of them here, along with the main things they cover:

First, you have the essential cover. This is the cheapest option, and it lasts for 12-months as opposed to a lifetime. As a result, conditions are only ever covered for one year at a time as opposed to the course of their life. Here’s what you can expect it to cover:

  • Up to £5,000 of cover per condition for 12-months.
  • Complementary treatment up to 5 sessions.
  • Advertising and reward up to £750.
  • Theft or straying up to £750.
  • Death from accident or illness up to £750.
  • Quarantine and loss of documents up to £1,500.
  • Holiday cancellation up to £1,000.
  • Boarding fees up to £750.
  • Public liability of £2 million.
  • Vet helpline.
  • Pet bereavement helpline.
  • £100 excess.

Then, there is the premier coverage. This is a lifetime coverage that will look after your pets for the entirety of their lives. It tends to be a little more expensive, but it also offers a lot more. Here is what you can expect it to cover:

  • Up to £10,000 of cover.
  • Complementary treatment up to 10 sessions.
  • Advertising and reward up to £1,500.
  • Theft or straying up to £1,500.
  • Death from accident or illness up to £1,500.
  • Quarantine and loss of documents up to £2,000.
  • Holiday cancellation up to £3,000.
  • Boarding fees up to £1,500.
  • Public liability of £3 million.
  • Vet helpline.
  • Pet bereavement helpline.
  • £75 excess.

What Does LV Pet Insurance Include?

If you are looking for a more detailed report of what LV offer with each of their insurance policies, then the section above is the best place to go. This is because it gives a very detailed look at what each policy covers. However, for a more general look at what LV pet insurance includes, here are the basics for you below. Please remember that the amount of cover depends on the policy that you choose.

  • Up to £10,000 of cover.
  • Complementary treatment up to 10 sessions.
  • Advertising and reward up to £1,500.
  • Theft or straying up to £1,500.
  • Death from accident or illness up to £1,500.
  • Quarantine and loss of documents up to £2,000.
  • Holiday cancellation up to £3,000.
  • Boarding fees up to £1,500.
  • Public liability of £3 million.
  • Vet helpline.
  • Pet bereavement helpline.
  • £75 excess.

What is the Cost of LV Insurance for Dogs?

There are a few factors that will affect the amount that you are quoted, and this is something that you will find occurs with all insurance companies, including LV. To help give you a better idea of the factors that could affect the amount you are quoted, we have listed the key criteria here for you:

  • Age
  • Breed
  • Sex
  • Any existing illnesses
  • Whether or not they have been neutered/spayed
  • The postcode of the owner

We got a quote from LV to give you an idea of the cost of pet insurance from them. To make things easier, we have selected insurance for a neutered male Labrador that is three years old and lives in Basingstoke. Here is what we got:

  • Essential: £22.15 per month (up to £5,000 of cover).
  • Premier: £37.79 per month (up to £10,000 of cover).

Making a Claim on LV Pet Insurance

Making a claim on your LV pet insurance is quite simple. However, if you prefer to do everything online, then you may find yourself a little disappointed by the process. Below, we go through how you can make a claim if you decide to choose LV as your insurance provider.

The only way to claim on LV is to call them on the number that they will have provided when you sign up for insurance with them. Once you have gone through the details of your claim with them, they will then send you a claims form to fill out. Once you have checked the information on the form is correct, you will need to fill it out and then have your vet finish it off in the relevant areas.

Once you have both signed and dated the form, you then need to make sure that your vet provides the necessary paperwork to ensure your claim is successful. Make sure that this is attached to the claims form and sent with it in the same envelope. After sending the form to the address provided, all you need to do is wait to hear back with regards to whether or not your claim was successful. You will then receive a cheque for the amount (minus the excess).

The Pros and Cons of LV Pet Insurance

Here are some of the advantages and disadvantages that come with using LV pet insurance to protect your dog.

Pros

  • Two policies to choose from, keeping it simple.
  • Excellent coverage across each of the insurance options.
  • Low excess rates.
  • Simple claims process.
  • Good customer discounts and offers.

Cons

  • Claims process is telephone and post only.

LV Pet Insurance Discount Codes

LV does not have the option for promotional codes when you go to get an insurance quote from them. As a result, it would be safe to assume that it is not something that they offer. We did a quick search at the time of writing this article, and we could not find any relevant discount codes or vouchers.

They do offer a 10% discount when you get your insurance from them online, which is great for saving a little extra money. The process of getting an online quote is incredibly quick as well, so it will take you hardly any time at all, and you can still save money.​

LV also have a multi-pet discount of 5% for those who are insuring two or more pets. So, if you are an animal lover, then this offer could be perfect for you. Not to mention that it works in conjunction with the 10% off mentioned above, so you can make great savings.

Customer Reviews

LV does not have a large number of online reviews, and this can make it quite difficult to judge how good a service it is based on customer experience. As a result, it is not clear if this is a good or bad insurance company to go with. However, it is always important to read about the experience of other customers, and so we have gathered the reviews left by customers for you to take a look at:

  • Pet Insurance Review has rated it at 2.5/5 with around 50 customer reviews.
  • Reviewcentre.com has rated it at 3.1/5 stars with around 15 customer reviews.

To Conclude

Hopefully, the LV pet insurance reviews for dogs in this article, as well as the additional information given, has helped you to decide whether or not it is the right choice for you. A trusted and reliable company, they have been known to give excellent service in other areas, and we are sure their pet insurance is just as good. The policy options are clear with good coverage, and the prices are very reasonable. Plus, there are some great discounts to save you some money. While the claims process is not ideal for all, it is at least a simple one that can be completed quickly. As a result, we feel that the rating this insurance provider should receive is 4.5/5.

What did you think of our guide to LV pet insurance? Is there anything you would have added? We love hearing from you, so let us know in the comments below.

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