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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.

Almost 50% of adults in the UK own a pet, and many find themselves facing large bills when their pet is ill or injured.

Legal & 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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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:

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:

BenefitAccident only12 month £2,00012 month £5,000Lifetime £2,000Lifetime £4,000Lifetime £10,000
Vet fees£2,500£2,000£5,000£2,000£4,000£10,000
On-going conditions coveredxxx
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 dietx£100£150£200£250£250
Theft or strayingx£750£1,000£1,500£2,000£2,000
Advertising and rewardx£250£500£750£1,000£1,000
Death from accident£350£750£1,000£1,500£2,000£2,000
Death from illnessx£750£1,000£1,500£2,000£2,000
Pet funeral/cremation£150£250£250£300£300£300
Overseas travel delayOnly in case of accidentOnly in case of accident or illnessOnly in case of accident or illnessOnly in case of accident or illnessOnly in case of accident or illnessOnly in case of accident or illness
Pet holiday delay£250£250£500£750£1,000£1,000
Holiday cancellationx£750£1,000£1,500£2,000£2,000
Emergency repatriation abroadx£750£1,000£1,500£2,000£2,000
Emergency boardingx£750£1,000£1,500£2,000£2,000
Accidental damagexx£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.

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.

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
Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. 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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