Review: E & L pet insurance

Ronny Lavie By Ronny Lavie

Summary

E&L (the Equine and Livestock Insurance Company) has been providing specialist niche insurance products for more than 70 years, including comprehensive pet insurance, horse insurance, caravan insurance and wedding insurance.

You can get a quote at the E&L website.

E&L is authorised by the Prudential Regulation Authority , and is also a member of the Association of British Insurers and the Financial Ombudsman Service.

Overview of pet insurance cover provided by E&L insurance

E&L provides an extensive range of pet insurance, including dog, cat and multi-pet cover, insurance for senior pets, pet travel insurance and specialist bird insurance.

Insurance for cats, dogs and senior animals is available in three tiers: silver, gold and diamond, with the benefits the same for both older and younger pets.

E&L Dog Insurance

For dogs, silver cover offers £1.5m in public liability, £4,000 in vet’s fees, £750 for the death of a pet, £750 for boarding fees, £600 for advertising and reward, £750 for loss by theft of straying, £500 for accidental damage and £150 for personal accident.

Gold cover for dogs provides £1.75m for public liability, £5,000 in vet’s fees, £1,000 for death of a pet, £1,000 for boarding fees, £800 for advertising and reward, £1,000 for loss by theft or straying, £750 for accidental damage and £200 for personal accident.

Diamond cover – the highest level of insurance for dogs – includes £2m in public liability, £6,000 in vet’s fees, £1,500 for the death of a pet, £1,500 for boarding, £1,000 for advertising and reward, £1,500 for loss by theft or straying, £1,000 in accidental damage and £250 for personal accident.

E&L Cat Insurance

For cats, silver insurance offers £4,000 in vet’s fees, £750 for death of a pet, £750 in cattery fees, £600 for advertising and reward, £750 for loss by theft or straying, £500 in accidental damage and £150 in personal accident costs.

Gold cover for cats provides £5,000 for vet’s fees, £1,000 for the death of a pet, £1,000 for cattery costs, £800 for advertising and reward, £1,000 for loss by theft or straying, £750 for accidental damage and £200 in personal accident costs.

Diamond cover – the highest level of insurance for cats – allows for £6,000 of vet’s fees, £1,500 for the death of a pet, £1,500 in cattery costs, £1,000 for advertising and reward, £1,500 for loss by theft or straying, £1,000 for accidental damage and £250 for personal accident.

E&L Bird Insurance

Finally, bird insurance offers £1,500 in vet’s fees for small birds and £3,500 for exotic birds and birds of prey, plus extensive additional options for theft, public liability and personal accident, which can be added in during the quote process.

Is this what you’re looking for? Visit the E&L insurance website to get a quote.

E&L Horse Insurance

It is important to note that horse insurance is not a part of Axa’s Pet Insurance category, but has it’s own category – Equine Insurance. You can get an E&L Horse Insurance quote here.

How much does E&L pet insurance cost?

The cost of an E&L insurance policy will depend on a variety of factors, including the age and health of your pet, your address and the level of cover you require. However, the company website states that cover for dogs is available from £9.20 per month for younger dogs and £18.36 for older dogs, who may be excluded by other insurers.

For cats, cover starts from £4.82 per month for younger felines and £10.06 for older ones.

E&L also offers a multi-pet discount of up to 10% for each additional pet insured with them, as well as several online discounts, which could save customers up to 55%.

Get a tailored E&L pet insurance quote here.

What do E&L insurance reviews from customers say?

According to reviews on money.co.uk, E&L pet insurance rates as ‘good’ with a score of 3.6/5, and 58% of those who left reviews saying they’d recommend the company to others. On reviewcentre.com, however, more than 590 customers have given the company a combined score of just 1.5/5.

What do E&L insurance reviews from the experts say?

According to Defaqto, the independent reviewer of financial products, E&L’s cat policies score three stars for gold and diamond cover (making it ‘a standard product providing an average level of features and benefits’), and two stars for silver cover (a ‘product typically offering a below average range of features and benefits’). For dogs, all levels of cover score three stars.

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