Is Legal and General The Best Pet Insurance Company?
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Discover the methodologyWould you like to insure your beloved pet against accident or illness? Are you here to know whether Legal and General is the best pet insurer to go for?
You are at the right place!
In the below review, we will tell you everything you need to know on Legal and General pet insurance: cover table, prices, contact, claim and cancel process and our own recommandation.
Our review on Legal and General pet insurance
4.6 Safe overall rating for Legal and General pet insurance
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction and claims |
Bereavement helpline and legal advice line available Average rating on Trustpilot Some of the covers have a 5 star rating on Defaqto Legal & General won the Commended Pet Insurance Provider by Moneyfacts Award in 2018 The Accident only cover has a 2 star rating in Defaqto | |
| Cover provided for your home |
Six levels of cover are provided Lifetime cover between £2,000 and £10,000 Accident only cover is provided Cover is only provided for dogs and cats | |
| Value for money |
10% multi pet discount is given Review from third party websites registered low and affordable prices The standard excess to be ranges between £75 and £99 | |
| Financial strength | Legal & General pet insurance policies are underwritten by Legal & General. | |
| Technology |
The website is well detailed and user friendly Chatbot option is available Quotes can be gotten and retrieved online There is a login in option available |
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Legal and General pet insurance reviews: Defaqto and Trustpilot
| Reviews | |
|---|---|
| Defaqto | Lifetime £10,000 Limit: 5 stars Lifetime £2,000 Limit: 5 stars Lifetime £4,000 Limit: 5 stars 12 Month £2,000 Limit: 3 stars 12 Month £5,000 Limit: 3 stars Accident Only: 2 stars |
| Trustpilot | 3.4/5 based on 9,847 reviews |
What does Legal and General pet insurance cover?
Legal and General pet insurance for dogs
| Cover Type | Vet fees | Death by accident | Death by illness | Lost or stolen | Boarding | Third party liability |
|---|---|---|---|---|---|---|
| Accident Only | £2,500 per accident per policy year - No annual policy limit - £2,500 per accident for 12 months from the first date of treatment | yes | no | no | no | yes |
| Lifetime | Per Condition Limit Per Year of £2,000 - Unlimited number of new conditions - Limits reinstated on renewal | yes | yes | yes | yes | yes |
| Lifetime | Per Condition Limit Per Year of £4,000 - Unlimited number of new conditions - Limits reinstated on renewal | yes | yes | yes | yes | yes |
| Lifetime | No Per Condition Limit - Annual Policy limit of £10,000 - Limits reinstated on renewal | yes | yes | yes | yes | yes |
| Time Limited | Per Condition Limit of £2,000 - Unlimited number of new conditions - 12 months from date condition was first noticed | yes | yes | yes | yes | yes |
| Time Limited | Per Condition Limit of £5,000 - Unlimited number of new conditions - 12 months from date condition was first noticed | yes | yes | yes | yes | yes |
Legal and General pet insurance for cats
| Cover Type | Vet fees | Death by accident | Death by illness | Lost or stolen | Boarding |
|---|---|---|---|---|---|
| Accident Only | £2,500 per accident per policy year - No annual policy limit - | yes | no | no | no |
| Lifetime | Per Condition Limit Per Year of £2,000 - Unlimited number of new conditions - Limits reinstated on renewal | yes | yes | yes | yes |
| Lifetime | Per Condition Limit Per Year of £4,000 - Unlimited number of new conditions - Limits reinstated on renewal | yes | yes | yes | yes |
| Lifetime | No Per Condition Limit - Annual Policy limit of £10,000 - Limits reinstated on renewal | yes | yes | yes | yes |
| Time Limited | Per Condition Limit of £2,000 - Unlimited number of new conditions - 12 months from date condition was first noticed | yes | yes | yes | yes |
| Time Limited | Per Condition Limit of £5,000 - Unlimited number of new conditions - 12 months from date condition was first noticed | yes | yes | yes | yes |
Good to know
None of the above pet insurance covers pre-existing medical conditions.
How much is Legal and General pet insurance?
How much is Legal and General pet insurance for dogs?
| Cover type | Policy details | Monthly premium | Annual premium | Standard Excess |
|---|---|---|---|---|
| Accident Only | £2,500 per accident per policy year | £8.13 | £97.45 | £75 |
| Lifetime | No Per Condition Limit | £47.60 | £570.21 | £75 +10% co-payment for pets over 5 years old |
| Lifetime | Per Condition Limit Per Year of £2,000 | £27.50 | £329.45 | £99 +10% co-payment for pets over 5 years old |
| Lifetime | Per Condition Limit Per Year of £4,000 | £34.20 | £410.18 | £75 +10% co-payment for pets over 5 years old |
| Time Limited | Per Condition Limit of £2,000 | £20.15 | £241.58 | £99 |
| Time Limited | Per Condition Limit of £5,000 | £31.84 | £381.86 | £75 |
*Quotes above are for a pedigree dog of one year old, not neutered nor microchipped.
How much is Legal and General pet insurance for cats?
| Cover type | Policy details | Monthly premium | Annual premium | Standard Excess |
|---|---|---|---|---|
| Accident Only | £2,500 per accident per policy year | £5.47 | £64.76 | £75 |
| Lifetime | No Per Condition Limit | £33.96 | £406.86 | £75 +10% co-payment for pets over 5 years old |
| Lifetime | Per Condition Limit Per Year of £2,000 | £21.49 | £257.00 | £99 +10% co-payment for pets over 5 years old |
| Lifetime | Per Condition Limit Per Year of £4,000 | £26.68 | £319.94 | £75 +10% co-payment for pets over 5 years old |
| Time Limited | Per Condition Limit of £2,000 | £15.78 | £188.59 | £99 |
| Time Limited | Per Condition Limit of £5,000 | £22.23 | £266.21 | £75 |
*Quotes above are for a pedigree cat of one year old, not neutered nor microchipped.
How to contact Legal and General pet insurance?
Legal and General pet insurance phone numbers
| How to contact Legal and General? | Phone numbers | Opening hours |
|---|---|---|
Customer service | 0370 060 0071 | Monday to Friday 9am to 6pm |
Claims | 0370 060 0078 | Monday to Friday 9am to 6pm |
Free Vet Advice line | 0800 197 0922 | 24/7 |
Quotes | 0800 197 0881 | Monday to Thursday 8am - 8pm |
Legal and General pet insurance contact details
| Legal and General contact details | |
|---|---|
| Mail address | Legal & General Insurance |
| Livechat | Livechat is available on the left bottom corner of the website. You just need to click on the "Chat with us" button and start chatting. |
How to log in to Legal and General customer portal?
You can login by either clicking on the "Login" option on the homepage of the website or following this link: Login to Legal & General
How to claim at Legal and General pet insurance?
There are several reasons to report a claim on your pet insurance:
- you had or will have to face significant vet fees or repeat medication;
- your pet is missing;
- your pet had or caused an accident etc.
Claims can be made by either filling out the claims form, calling the claims assigned telephone number or sending an email.
| How to claim on your Legal and General pet insurance? | |
|---|---|
| Claim by email | You can download the pdf copy of a claims form, fill it and submit it to: [email protected] |
| Claim by phone | 0370 060 0078 |
| Claim by post | L&G Pet Claims |
Download Legal and General claim form
How to cancel your Legal and General pet insurance?
Cancellations can be done via either mail or by calling the assigned telephone number.
| How to cancel your Legal and General pet insurance? | |
|---|---|
| Cancel by email | |
| Cancel by phone | 0370 060 0071 |
Our final opinion on Legal and General pet 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. Their policies are underwritten by Legal & General and they offer three levels of cover for pet insurance which are: Lifetime, 12 Month and Accident Only.
Lifetime pet insurance is the most comprehensive type of pet insurance as it covers a wide range of options. This policy option has a 5 Stars Defaqto rating and it provides cover for new conditions or accidents that occur over the course of your pet’s lifetime as long as the policy is renewed. There are three types of Lifetime cover to choose from and they are: Lifetime £2,000, Lifetime £4,000 and Lifetime £10,000.
The 12 months policy on the other hand only provides cover for a 12 months period; this does not put into consideration long term illnesses or medical conditions. The two levels of cover that can be selected under the 12 months policy are: 12 Month £2,000 and 12 Month £5,000.
The last policy type offered is the Accident only policy which provides basic cover for your pet. It however comes in handy in the case of an accident as a sum of £2,500 is provided to take care of the pet. Other services like access to the Vet Finder service, Legal advice line, a bereavement helpline and pet funeral cover are also provided. The insurance policy is recommended as they offer a wide range of services to suit the budget of the policyholders and they have the financial capacity to pay out claims.
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