Liverpool Victoria Insurance for Pets
|Plan||Accidents and Illnesses||Deductible (per condition)||Max age limit to sign on||Lifetime cover||Price per month|
|Essential||5000/ condition/ 12 months||60||no||No||Dog: 8.34- 43.59 Cat: 9.20|
|Premier||5000/ condition per lifetime||60||no||Only upto condition limit.||Dog: 12.92- 67.56 Cat: 14.26|
|Vet fees Accidents and Illnesses||5000/ condition/ 12 months||5000/ condition per lifetime|
|Death or loss (replacement cost of pet)||750 (no excess)||750 (no excess)|
|Boarding (if owner hospitalized)||750 (no excess)||750 (no excess)|
|Holiday (trip cancellation)||1000 (no excess)||1000 (no excess)|
|Cover Abroad||Yes, and 750 for emergency expenses (no excess)||Yes, and 750 for emergency expenses (no excess)|
|Quarantine costs||1500 (no excess)||1500 (no excess)|
|Prescription meds||Yes as long as recommended by a vet||Yes as long as recommended by a vet|
|Dental (not teeth cleaning)||See below||See below|
|Alternative treatment||Only if they agree||Only if they agree|
|Breeding, Fertility, Pregnancy||-||-|
|Medical devices (ex. Wheelchair for dog)||It’d have to be assessed first||It’d have to be assessed first|
|Lost/Stolen pet adds and reward||750 (no excess)||750 (no excess)|
|Third party liability (dogs only)||2 million (250 excess)||2 million (250 excess)|
|Accidental Damage (tenant coverage)||750 (no excess)||750 (no excess)|
|Grooming and Bathing||-||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||See below||See below|
Insurance Helplines coverage chart for LV Insurance
Some Common Questions:
Are Hereditary Conditions or Congenital disorders covered?
Yes, these are both covered by LV insurance .
Lifetime insurer (will LV insurance cover on going conditions throughout pets life) ?
No, the plans are per condition, and so are not true ‘lifetime’ plans.
If you want to better understand Lifetime Pet Insurance, check out this page!
10% if you buy online and it is a new pet policy.
Any vet or specific vets only? After hours vets or in home vets?
Yes, any vet.
You can go to an after hours vet, but only if, not doing so would seriously worsen your pets condition.
Can the vet be paid directly?
If the vet agrees.
If not, How quickly are claims processed?
They try to pay claims within 5 days of you making the claim.
Does LV insurance cover examination fee (if it relates to the injury or illness) ?
You’d have to make a claim for it. He couldn’t say yes or no
No, see next question.
Dangerous Dog Act?
They will not insure dogs under the Dangerous Dog act.
Do I stop getting coverage as my dog ages?
No, you will continue to get coverage with them However you will not be able to get the death from illness benefit once your dog reaches 9 or over or your cat is 11 or older.
Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
Yes, it does go up with age.
Does LV insurance put the monthly price up every year? By how much?
It may go up every year, he was very vague.
Does LV insurance serve all of the UK? Is the monthly amount more depending on where I live?
Yes, all of the UK
Yes, it does depend on where I live.
There is a 14 day waiting period at the start of your policy where you are not covered by Liverpool Victoria insurance for pets.
Do rates increase with more claims/penalized for filing more claims?
No, your rates do not changed based on the number of claims you make. They say they don’t increase your rate based on this as they don’t want the fear if increasing payments affect your pets health.
Maximum lifetime claim amount?
Each condition upto max, as many conditions as necessary.
What is the co-pay?
None. There is no co-pay with LV insurance
None to note.
Money back guarantee?
You have 14 days to decide and cancel your policy as long as you haven’t made any claims.
What they don’t cover - claims that are directly or indirectly related to:
• Pets under 8 weeks old.
• Pre-existing conditions.
• No coverage for injuries that result from: Commercial, guard, security or racing purposes.
• Treatment not recommended by a vet.
• Illnesses or Accidents that happen outside of UK, Northern Ireland, Isle of Man, channel islands, Eire, or the EU countries of the PETS travel scheme defined by DEFRA listed here.
• Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)”
o These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same.
o This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.
Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.