Customer rating
★★★★★
Satisfaction survey
★★★★★
Satisfaction survey
Customers praised low prices and "no fuss'
Only for cats and dogs - sorry rabbits
Legal & General Pet Insurance Review
Owning a pet can be an expensive business, especially if they ever need to see a vet. Compare Legal & General insurance policies now to see if they're right for your cute companion.
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.
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What is Legal & General Insurance?
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.
What are Legal & General’s pet insurance options?
Legal & General has a range of insurance policies to cover both cats and dogs. There are currently three levels of cover available:
This is the basic level of policy and only covers the costs related to your pet having an accident. This includes vet fees, death, travel delays and third-party liability.
Some of the features of this policy include the following:
- No time limit
- Vet fee limit of £2,500
This type of policy covers against injury and illness for up to 12 months after your pet is first treated, up to a certain limit. This includes vet fees, diet, theft or straying, death, travel delays or cancellation as well as third-party liability.
The features of this type of policy include the following:
- Time limited
- Cover up to 12 months per condition
- Vet fee limit of £2,000 or £5,000
A lifetime policy is the most comprehensive type of pet insurance and covers your pet throughout their life, provided the policy is renewed each year. Your cover limit also resets each time you renew, and covers vet fees, diet, theft or straying, death, travel delays or cancellation, accidental damage and third-party liability.
The features of a lifetime policy include the following:
- Lifetime cover (must be renewed each year)
- Covers ongoing conditions
- Vet fee limit of £2,000, £4,000 or £10,000 per year
What’s covered under my policy?
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 |
What other features does Legal & General pet insurance offer?
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.
What is my excess?
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.
What is Legal & General’s claim process?
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:
- Policy number and other details
- Details of the claim
- Any additional information you feel could be useful
Pet insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores ("Customers say") are based on a survey of 1,010 customers carried out in December 2021.
Learn the details of our methodology and scoring.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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