Customers praised low prices and "no fuss'
Only for cats and dogs - sorry rabbitsLegal & General has a number of pet insurance policies to cover you in the event your pet needs treatment. See how they compare below.
Legal & General is an insurance and asset management company founded in 1836. Along with investment and retirement products, it offers home, lifestyle, travel and pet insurance.
Legal & General has a range of insurance policies to cover both cats and dogs. There are currently three levels of cover available:
Some of the features of this policy include the following:
The features of this type of policy include the following:
The features of a lifetime policy include the following:
Legal & General pet insurance offers a range of cover options, which vary based on the type of policy you receive. There are also a range of cover limits for both the 12-month and lifetime insurance policies. The following cover limits apply to each policy:
| Benefit | Accident only | 12 month £2,000 | 12 month £5,000 | Lifetime £2,000 | Lifetime £4,000 | Lifetime £10,000 |
|---|---|---|---|---|---|---|
| Vet fees | £2,500 | £2,000 | £5,000 | £2,000 | £4,000 | £10,000 |
| On-going conditions covered | x | x | x | ✓ | ✓ | ✓ |
| CT/MRI scans | £1,000 | £1,250 | £1,500 | £1,250 | £1,500 | £1,500 |
| Cruciate ligament | £1,250 | £1,250 | £1,500 | £1,250 | £1,500 | £1,500 |
| Special diet | x | £100 | £150 | £200 | £250 | £250 |
| Theft or straying | x | £750 | £1,000 | £1,500 | £2,000 | £2,000 |
| Advertising and reward | x | £250 | £500 | £750 | £1,000 | £1,000 |
| Death from accident | £350 | £750 | £1,000 | £1,500 | £2,000 | £2,000 |
| Death from illness | x | £750 | £1,000 | £1,500 | £2,000 | £2,000 |
| Pet funeral/cremation | £150 | £250 | £250 | £300 | £300 | £300 |
| Overseas travel delay | Only in case of accident | Only in case of accident or illness | Only in case of accident or illness | Only in case of accident or illness | Only in case of accident or illness | Only in case of accident or illness |
| Pet holiday delay | £250 | £250 | £500 | £750 | £1,000 | £1,000 |
| Holiday cancellation | x | £750 | £1,000 | £1,500 | £2,000 | £2,000 |
| Emergency repatriation abroad | x | £750 | £1,000 | £1,500 | £2,000 | £2,000 |
| Emergency boarding | x | £750 | £1,000 | £1,500 | £2,000 | £2,000 |
| Accidental damage | x | x | £250 | £500 | £1,000 | £1,000 |
| Third-party liability (dogs only) | £1 million | £1 million | £1 million | £1 million | £1 million | £1 million |
Legal & General also offers Find a Vet and Find a Pet Sitter services, although the cost of the sitter is not covered as part of your policy. There is also a bereavement helpline and legal advice line.
You can get kitten and puppy insurance for pets that are at least eight weeks old. Your insurance will not cover your pet’s pre-existing conditions and will only cover dental work that is the result of an accident.
If you have multiple pets, you’ll receive a 10% discount if you insure them under the same policy.
The excess is the amount you will have to pay when you make an insurance claim.
The standard excess will be between £75 and £99, depending on your policy. This is paid for every incident you claim on an accident-only policy or paid once per condition, per year, on a 12-month or lifetime policy.
If your pet is more than five years old, you will also need to pay a 10% co-payment (after excess) on the remaining claim for vet fees, special diet, medicine or dentistry.
You will also need to pay a £250 excess for any third-party liability claim.
You can make a claim by completing a claim form on the Legal & General website or via phone. The form will need to be completed by both you and your vet and can then be emailed to petclaims@landg.com or by post to L&G Pet Claims, PO Box 1340, Peterborough PE2 2QB.
You will need to provide the following information in your claim:
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