Lloyds Tsb Insurance:
|Plan||Accidents and Illness||Deductible/ Excess||Max age limit to sign on||Lifetime cover||Price per month*|
|Condition||£3000/condition, 12month max.||£70 or 140 for dogs, 60 or 120 for cats(not much in price difference between the two deductibles). Per condition||10yrs 11 months (6 yrs for some dog breeds)||no||Dog: £12.12- 27.93 Cat: £6:50-7.13|
|Annual||£3000/ year||£70 or 140 (not much in price difference). Per condition per year.||10yrs 11 months (6 yrs for some dog breeds)||Yes, upto annual maximum||Dog: £17.37- 40.03 Cat: £10.12-10.38|
Detailed coverage Chart for Lloyds Tsb Insurance for pets
|Vet fees Accident and illness||£3000/condition, 12month max.||£3000/ year|
|Death or Loss (replacement cost of pet)||£1000 (with additional benefits choice)||£1000 (with additional benefits)|
|Boarding (if owner hospitalized)||£1000 (with additional benefits choice)||£1000 (with additional benefits choice)|
|Holiday (trip cancellation)||£3000 (with additional benefits choice)||£3000 (with additional benefits choice)|
|Cover Abroad||Yes (with Travel choice)||Yes (with Travel choice)|
|Quarantine costs||1500 (with Travel choice)||1500 (with Travel choice)|
|Dental (not teeth cleaning)||Accident only||Accident only|
|Breeding, Fertility, Pregnancy||-||-|
|Medical devices (ex. Wheelchair for dog)||-||-|
|Lost/Stolen pet adds inc. Reward||£1000 (with additional benefits choice)||£1000 (with additional benefits choice)|
|Third party liability (dogs only)||£1million (£100 excess)||£1million (£100 excess)|
|Accidental Damage (tenant coverage)||-||-|
|Grooming and Bathing||-||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||-||-|
Insurance Helplines coverage chart.
Some Common Questions:
Are hereditary or congenital conditions covered by lloyds tsb insurance?
Yes, these are both covered as long as they’re not a pre-existing condition.
Lifetime insurer (will Lloyds tsb Insurance cover on going conditions throughout pets life) ?
With the plus plan, ongoing conditions are covered.
10% if buy online.Multiple pet
Any vet or specific vets only? After hours vets or in home vets?
Hospitilization, House calls or ambulance or off hours vets unless not going to these vets would have worsened the pets condition.They may ask you to take your pet to a vet of their choice.
Can the vet be paid directly?
Yes, as long as they agree and you have arranged for payment this way.
If not, How quickly are claims processed?
Claim time depends on the time of the year, but 2 weeks is a good rule of thumb.
Does Lloyds pet insurance cover examination fee (if it relates to the injury or illness) ?
Yes, Consultation is covered as part of treatment.
Not dogs under the dangerous dog act.
Dangerous Dog Act?
Dogs under the Dangerous Dog act are not covered by lloyds pet insurance.
Do I stop getting coverage as my dog ages?
No, as long as your pet is enrolled between 8 weeks and 10yrs11months, you will continue to get coverage as your pet ages.
Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
Yes, as the dog goes up, it will slightly increase.
Does lloyds pet insurance put the monthly price up every year? By how much?
Yes, Based on location, inflation, and also the pets age and other factors.
Does lloyds pet insurance serve all of the UK? Is the monthly amount more depending on where I live?
They cover all of the UK.
Yes, policy depends on many factors including where you live.
0 days for accidents.
10 days for illness or disease.
You must wait this amount of time until your coverage will take effect with Lloyds pet insurance.
Do rates increase with more claims/penalized for filing more claims?
The premium is more-so based on pets age, inflation and that sort of thing.
The number of claims you make doesn’t affect you, however, if lots of people make lots of claims then yes, premiums/ monthly amounts will go up overall for everyone.
Maximum lifetime claim amount?
No- only annual limits.Standard- only a year limit each year.Annual- renews every year. No lifetime maximum.
What is the co-payment with Lloyds pet insurance?
Dogs over 7 must pay the deductable aswell as 20% of each claim.
None to note.
Money back guarantee?
If you don’t want the plan within the first 14 days, you can cancel and get your money back.
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: racing, breeding, hunting(gun dogs), guarding/ security, Commercial or trade.
• 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.
o click 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.