Lloyds Tsb Insurance – Everything about Lloyds pet insurance!

Lloyds pet Insurance has 2 plans to meet your needs.

Lloyds tsb Insurance offers pet plans with the Lloyds pet insurance option. They have both the per condition plans and the Annual lifetime plans so you can decide what plan best suits your needs.

Both plans are quite reasonably priced, even for an older purebred dog.

You can choose to have additional coverage to pay for the replacement price of pet if it dies from accident, illness or injury if the dog is under 9 or the cat is under 11. Most companies will only cover death of pet from accident. This might be an option if you have an expensive breed of pet.

Lloyds Tsb Insurance also offers home, car, travel, caravan, home solutions, life and Critical illness insurance, so you could get all of your insurance through the same company.

Lloyds Pet Insurance ‘s website is well written and tries to explain most questions that you might have and not hide what they cover.

I could find no e-mail address available to contact Lloyds Tsb Insurance, so had to phone and talked with a nice lady who answered my questions well.

Below you will find comprehensive tables outlining all the coverage so that you can decide if the plan is for you. There are also answers to any questions you might have on their plans- questions that you can only answer by phoning the company!

If you are going to go with Lloyds pet insurance, I believe that the “per year” plan is better than the “per condition plan” since every year you will have a renewed amount of money, while the per condition plan you will not. With Lloyds tsb insurance, the price difference between the two plans is pretty minimal. But that’s just my two cents….

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Snapshot Information Chart for Lloyds pet 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

*For ALL quotes above, I said ‘yes’ to Additional coverage, Third party liability, Overseas travel.

Detailed coverage Chart for Lloyds Tsb Insurance for pets

Condition Annual
Vet fees Accident and illness £3000/condition, 12month max. £3000/ year
Routine Care
Hereditary Conditions Yes yes
Hip dysplasia yes Yes
Death or Loss (replacement cost of pet) £1000 (with additional benefits choice) £1000 (with additional benefits)
Euthanasia yes yes
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)
Behavioural problems
Prescription meds
Dental (not teeth cleaning) Accident only Accident only
Alternative treatment yes yes
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

Vet fees- Illness or Accidents are both covered by Lloyds tsb insurance.
Routine/Preventative care- vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds.
Hereditary conditions- are covered by Lloyds tsb Insurance.
Hip Dysplasia- are covered by Lloyds tsb Insurance .
Death or Loss- Will cover replacement price of pet if dies from accident injury or illness. Dogs over 9, and Cats over 11 only have this coverage for accidents only. If your dog hasn’t been found within 45 days, then you’ll get the money to replace the pet. You will not get this if your pet is put to sleep from an illness or dies due to behavioural problems.
Euthanasia and Cremation –Euthanasia is covered, Cremation is not covered by Lloyds pet insurance plans.
Boarding- This will be covered if you get the additional benefits cover, so that if you go to hospital then boarding for your pet will be covered.
Holiday- if you have to cancel or cut short your trip if your dog gets sick or goes missing in the 7 days prior to your trip or during your trip, the money lost will be reimbursed.
Cover abroad- Will cover Quarantine costs (up to £1500), loss of pet’s passport (up to £250),repeat tick and worming treatment, and emergency expenses abroad (up to £300) . Third party liability isn’t covered in Canada or USA. Each trip can be upto 30 days and you get 3 journeys per year. You must follow the government pets travel scheme in order to be covered.
Quarantine Costs- If you purchase the travel option then this will be covered by Lloyds tsb insurance.
Behavioural problems- are not covered by any of Lloyds pet insurance plans.
Prescription Meds- are not covered by any of Lloyds pet insurance plans.
Dental-is covered for accidents only.
Alternative treatment- (acupuncture, massage…). Maximum 12 hydrotherapy sessions per condition. Lloyds tsb Insurance will only pay for Alternative treatment if it is agreed to by them and recommended by your vet.
Breeding, Fertility, Pregnancy-is not covered
Medical devices– are not covered.
Lost/Stolen Pet and reward (Advertising to find pet if lost/stolen/strays). A family member can’t claim the reward. These wont be covered if your dog is left unattended in a public place at any time.
Third party liability(dogs only) – upto 1million coverage with Lloyds tsb insurance.
Accidental Damage– is not covered by Lloyds tsb Insurance.
Grooming and Bathing- is not covered.
Pet food, Nutritional supplements, vitamins, natural remedies– these are not covered by any of Lloyds pet insurance plans



Insurance Helplines coverage chart.

Condition Annual
Bereavement counselling yes yes
Vet finder yes yes
Pet legal yes Yes
Pet minder

Bereavement counselling-help you deal with death/illness of pet: 0870 162815
Vet Finder- help you find local vet : 0870 7383931
Pet legal- Help you with legal questions: 0870 162815
Pet minder-help you find a local pet sitter- not offered.



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.

All breeds? 
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.

Waiting period? 
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.

Extras included? 
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.
• 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.


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