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We’ve made the following assumptions about you and your pet:
You are a UK resident and the owner and keeper of the pet that lives at the address you've provided.
You accept that we won’t cover any claim because of any event, illness, injury, disease or changes to
your pet’s normal healthy state that your pet shows signs of before the start date of the policy.
You accept that we won’t cover any claim because of any illness, disease or changes to your pet’s
normal healthy state that your pet shows signs of during the first 14 days following the start date of your policy.
You accept that we won’t cover any claim because of an injury that happens in the first 48 hours
following the start date of your policy.
Your pet is currently in good health.
Your pet has had a check-up with a vet in the last 12 months.
Your pet has never shown any signs of vicious or aggressive tendencies, or any behavioural problems.
Your pet isn’t and won’t be used for any commercial purposes or breeding.
Your pet isn’t used for guard or security purposes.
Your pet isn’t used for racing or coursing.
Your pet is at least 8 weeks old when cover starts.
You will look after your pet at all times and pay to have treatment normally recommended by a
vet to prevent illness, injury or disease.
Looking for an accident only policy?
At LV=, we believe it's important you have the right cover for you and your pet.
We don't offer accident-only policies because, although they can be cheaper, they only cover accidents.
Our Time Limited and Lifetime policies provide greater peace of mind covering both accidents and illnesses.
Sorry, we can’t cover your pet’s pre-existing conditions
Like most insurers, our policies only cover new conditions that begin after the policy has started (a waiting period of 14 days applies to any illness, or 48 hours for any injury from the policy start date)
Future claims for these pre-existing conditions would not be covered by LV= including any related conditions. If you currently have your pet covered with another insurer you may no longer be covered for some conditions if you switch to another policy.