Policy limits and terms and conditions

Policy limits

Pet Insurance cover comparison

Lloyds Pet Insurance comes with three levels of cover; Bronze, Silver and Gold for both Cats and Dogs. Below is a breakdown of each level of cover and the limits that apply. Your quote or policy schedule will show the cover you have chosen, the benefit level and amount you'll need to pay if you make a claim.

Lifetime Cover

Lifetime cover is an insurance policy that provides cover for your pet’s entire life (if you continue to renew the policy and pay the renewal premium). This type of insurance offers continuous cover for veterinary expenses, including illness, injury, and preventive care.

Bronze

Up to £3,000 towards vet fees.

Silver

Up to £6,000 towards vet fees.

Gold

Up to £12,000 towards vet fees.

All cover levels also include: 

  • complementary treatment of up to £2,000
  • up to 20 sessions of hydrotherapy per illness or injury
  • up to £750 in total per illness or injury for behavioural treatment
  • vet fee limits for dentistry provided teeth and gums checked
  • up to £750 for each separate illness or injury for platelet rich plasma therapy
  • 50% of costs up to total of £250 per illness toward a clinical diet
  • up to £150 towards the cost of cremation
  • up to £300 travel and accommodation
  • up to £1,000 (including £250 for a reward) if your pet goes missing.

Third-Party Liability Cover – Dog Insurance policies only

Cover for if you are found to be legally responsible for your dog accidentally causing an injury or death or damaging someone else’s property up to £2,000,000.


Optional Cover

You can choose to add extra cover for an additional cost.


Death and Loss

Cover if your pet strays or is lost or stolen or sadly dies from illness or injury.

All cover levels include: 

  • Death from injury - £1,500
  • Death from illness - £1,500
  • Loss by theft or straying - £1,500

Boarding fees and holiday cancellation costs

Cover for boarding or minding fees and holiday cancellation costs.

All cover levels include: 

  • Boarding facility - £1,500
  • Daily minding fees - £1,500
  • Holiday cancellation - £2,000

Overseas travel

Cover whilst you and your pet are temporarily abroad in a PETS travel scheme country, up to your full vet fee limit per year.

All cover levels also include: 

  • Quarantine costs - £2,000
  • Repeat worming treatment (dog insurance policies only) - £250
  • Loss of pet travel documents - £250
  • Emergency expenses abroad - £500

Lloyds pet insurance first month free plus welcome hamper terms and conditions


Eligibility

  • You’ll qualify for this offer if you take out a new Lloyds Pet Insurance policy.


First month free terms and conditions

  • First month free is an 8.3% discount on your annual premium.
  • If you pay for your policy monthly:
    • Your free month is applied to the first instalment. You’ll start paying for your policy from the second instalment.
    • Monthly premiums will be applicable for the remaining agreed insurance policy term.
  • If you pay for your policy annually, your annual premium will be reduced by one month’s premium.


Welcome hamper terms and conditions

  • One Welcome Hamper is available per policy.
  • Instructions on how to redeem a Love Louie Welcome Hamper of your choice will be sent to you by email:
    • 90 days after policy start date.
    • Subject to your policy being live, and
    • Premium payments are up to date.
    • Hampers must be redeemed within 90 days of receipt of your instruction email and will not be available after this time period.
  • Hamper content may vary and is subject to availability.
  • Lloyds Pet Insurance does not accept any liability for damage, injury or illness sustained as a result of receiving or using the contents of the hamper.
  • Queries in relation to contents or delivery once ordered should be raised directly with Love Louie at info@lovelouie.co.uk.


General conditions

  • We may amend or withdraw this offer at any time without notice.
  • Please keep a copy of these conditions for future reference.
  • Anyone we reasonably consider to be abusing this offer may be excluded immediately at our absolute discretion.
  • These terms and conditions are governed by English law. You and we both agree that the Courts of England and Wales will have exclusive jurisdiction.
  • Lloyds and Lloyds Bank are trading names of Lloyds Bank Insurance Services Limited.
  • The promoter of this offer is Lloyds Bank Insurance Services Limited. Registered in England and Wales No. 968406, Registered Office: 25 Gresham Street, London EC2V 7HN. Authorised and regulated by the Financial Conduct Authority.

Lloyds pet insurance multi-pet 5% discount terms and conditions


Eligibility

  • You’ll qualify for this offer if you take out more than one Lloyds Pet Insurance policy.
  • When multiple policies are purchased at the same time, the 5% discount will be applied to all policies from the policy start dates.
  • When multiple policies are purchased at different times, the 5% discount will be applied to the original policy from renewal. Each subsequent new pet policy will receive 5% discount from the policy start date.

 

Multi-Pet discount terms

  • You’ll receive 5% off your total annual premium for each pet policy, for all your pets insured with us.
  • There is no maximum number of pets you can insure. The minimum number of pet policies to receive the discount is two.
  • The discount will be removed at renewal if you no longer hold the minimum number of two live policies.
  • You can choose different levels of cover for each pet.


General conditions

  • We may amend or withdraw this offer at any time without notice.
  • Please keep a copy of these conditions for future reference.
  • Anyone we reasonably consider to be abusing this offer may be excluded immediately at our absolute discretion.
  • These terms and conditions are governed by English law. You and we both agree that the Courts of England and Wales will have exclusive jurisdiction.
  • Lloyds and Lloyds Bank are trading names of Lloyds Bank Insurance Services Limited.
  • The promoter of this offer is Agria Pet Insurance Ltd. Agria Pet Insurance Ltd is authorised and regulated by the Financial Conduct Authority, Financial Services Register Number 496160. Agria Pet Insurance Ltd is registered and incorporated in England and Wales with registered number 04258783. Registered office: First Floor, Blue Leanie, Walton Street, Aylesbury, Buckinghamshire, HP21 7QW. Agria insurance policies are underwritten by Agria Försäkring who is authorised and regulated by the Prudential Regulatory Authority and Financial Conduct Authority.