Review: Legal and General Pet Insurance

In Summary

Legal & General is a relative newcomer to the pet insurance market but has a long history in the world of insurance.

Legal & General Pet Insurance offer 6 levels of cover and its most comprehensive cover - Lifetime policy - has been awarded 5-Stars by Defaqto. Customers Legal & General offer a10% multi-pet discount when you insure more than one pet. You can pay monthly at no extra charges.

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Background to Legal & General pet insurance

The Legal & General Group, established in 1836, is one of the UK’s leading financial services companies. As at 31 December 2017, it had over 9.5 million customers in the UK for its life assurance, pensions, investments and general insurance plans.

They introduced Pet Insurance in 2013, launched primarily to insure dogs and cats over 8 weeks old. It’s worth checking their pet insurance policy document for a full list of excluded breeds if you are unsure.

Overview of the cover provided by Legal & General pet policies

Legal & General offers 3 types of pet insurance policy: Lifetime, 12 Month and Accident Only.

Lifetime pet insurance is the most comprehensive type of pet insurance. Legal & General's lifetime policy has been awarded 5 Stars by Defaqto. It provides cover for new conditions or accidents that occur over the course of your pet’s whole lifetime as long as the policy is renewed. Pet owners can choose from 3 levels of cover: Lifetime £2,000, Lifetime £4,000 and Lifetime £10,000.

The major difference between Lifetime and 12 Month policies, aside from cost, is the ongoing treatment of conditions. A twelve-month policy provides cover for each new accident or illness up to the vet fee limit or for 12 months. Any on-going treatment required as a result of a condition will be excluded from future claims and the condition treated pre-existing. Pet owners can choose from 2 levels of cover: 12 Month £2,000 and 12 Month £5,000.

Accident only policy is a basic level of cover for your pet, but it can make a big difference when there is an accident. If an accident does happen, this policy covers up to £2,500 of your pet’s treatment.

Policyholders also benefit from access to wider services including Vet Finder service, Legal advice line and if the worst should happen, a bereavement helpline to help you come to terms with your loss, as well as pet funeral cover.

Find out if this cover got Legal and General into our Top 10 pet insurance list.

How much does pet insurance from Legal & General cost?

There is no set price for pet insurance, as the exact cost of your Legal & General premium will depend on several factors. For example, the age of your pet can cause the price to increase, as can its medical history, and the level of cover that you choose to take out.

It’s worth noting that Legal & General doesn’t charge extra to spread the cost of insurance payments across 12 months – this could be an affordable alternative option if you would like to take out a comprehensive policy, but cannot cover the full premium cost in a single lump sum.

What Legal & General pet insurance customers say

There are very few online customer reviews available for Legal & General pet insurance, as the provider has only been offering this service since 2013.

Customer feedback website Pet Insurance Review gives Legal & General 1.4/5 stars although this is only from less than 25 reviews making it difficult to generalise.

You can see our Top 10 Pet Insurance companies, created by combining customer reviews and industry ratings.

What the expert reviews say

Independent financial organisation Defaqto has given Legal & General a 5 Star Rating for its Lifetime cover, and 3 Stars for its 12 Month and Accident Only cover.

Legal & General is also a Commended Pet Insurance Provider by Moneyfacts Award 2018.

Legal and General didn't make the cut for out Best Pet Insurance rankings; see who did here!