Legal & 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|
|On-going conditions covered||x||x||x||✓||✓||✓|
|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|
|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|
|Emergency repatriation abroad||x||£750||£1,000||£1,500||£2,000||£2,000|
|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 firstname.lastname@example.org 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:
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Want to know what capital gains tax is, how it works and when you need to pay it? Read our comprehensive guide on what you need to know about capital gains tax including what your CGT allowance is for the 2021/2022 tax year.
Discover what the Virgin Money M Plus current account has to offer in our review.
Is Monzo’s app-only current account the right option for you? Read our review to get the low-down on all of the features of the account, its card and the app.
Discover what the Club Lloyds current account has to offer in our review.
Discover what the HSBC Premier current account has to offer to see if it’s right for you.
If you’re happy to pay a monthly fee, discover what the Halifax Ultimate Reward current account has to offer.
Scottish Friendly is a mutual organisation in the UK that offers ISAs and investment bonds. Read our review to find out what we think of Scottish Friendly and how much it costs.
Tulipshare pools together investors to get you better shareholder rights than you get individually. Read our review to find out how.
Read our comprehensive guide on American car insurance and how much it costs to buy cover.
Read our comprehensive guide on whether or not you are able to drive a van on your car insurance policy.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.