Is Legal and General The Best Pet Insurance Company?

Alexandre Desoutter Alexandre Desoutter  updated on September 7, 2020

Would 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 ratingOur 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
Safe rating for Legal and General home insurance

Legal and General pet insurance reviews: Defaqto and Trustpilot

Reviews
DefaqtoLifetime £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
Trustpilot3.4/5 based on 9,847 reviews
Reviews on Legal and General pet insurance

What does Legal and General pet insurance cover?

Legal and General pet insurance for dogs

Cover TypeVet feesDeath by accidentDeath by illnessLost or stolenBoardingThird 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 treatmentyesnononoyes
LifetimePer Condition Limit Per Year of £2,000 – Unlimited number of new conditions – Limits reinstated on renewalyesyesyesyesyes
LifetimePer Condition Limit Per Year of £4,000 – Unlimited number of new conditions – Limits reinstated on renewalyesyesyesyesyes
LifetimeNo Per Condition Limit – Annual Policy limit of £10,000 – Limits reinstated on renewalyesyesyesyesyes
Time LimitedPer Condition Limit of £2,000 – Unlimited number of new conditions – 12 months from date condition was first noticedyesyesyesyesyes
Time LimitedPer Condition Limit of £5,000 – Unlimited number of new conditions – 12 months from date condition was first noticedyesyesyesyesyes
Legal and General pet insurance for dogs

Legal and General pet insurance for cats

Cover TypeVet feesDeath by accidentDeath by illnessLost or stolenBoarding
Accident Only£2,500 per accident per policy year – No annual policy limit – yesnonono
LifetimePer Condition Limit Per Year of £2,000 – Unlimited number of new conditions – Limits reinstated on renewalyesyesyesyes
LifetimePer Condition Limit Per Year of £4,000 – Unlimited number of new conditions – Limits reinstated on renewalyesyesyesyes
LifetimeNo Per Condition Limit – Annual Policy limit of £10,000 – Limits reinstated on renewalyesyesyesyes
Time LimitedPer Condition Limit of £2,000 – Unlimited number of new conditions – 12 months from date condition was first noticedyesyesyesyes
Time LimitedPer Condition Limit of £5,000 – Unlimited number of new conditions – 12 months from date condition was first noticedyesyesyesyes
Legal and General pet insurance for cats

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 typePolicy detailsMonthly premiumAnnual premiumStandard Excess
Accident Only£2,500 per accident per policy year£8.13£97.45£75
LifetimeNo Per Condition Limit£47.60£570.21£75 +10% co-payment for pets over 5 years old
LifetimePer Condition Limit Per Year of £2,000£27.50£329.45£99 +10% co-payment for pets over 5 years old
LifetimePer Condition Limit Per Year of £4,000£34.20£410.18£75 +10% co-payment for pets over 5 years old
Time LimitedPer Condition Limit of £2,000£20.15£241.58£99
Time LimitedPer Condition Limit of £5,000£31.84£381.86£75
Legal and General pet insurance premiums for dogs

*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 typePolicy detailsMonthly premiumAnnual premiumStandard Excess
Accident Only£2,500 per accident per policy year£5.47£64.76£75
LifetimeNo Per Condition Limit£33.96£406.86£75 +10% co-payment for pets over 5 years old
LifetimePer Condition Limit Per Year of £2,000£21.49£257.00£99 +10% co-payment for pets over 5 years old
LifetimePer Condition Limit Per Year of £4,000£26.68£319.94£75 +10% co-payment for pets over 5 years old
Time LimitedPer Condition Limit of £2,000£15.78£188.59£99
Time LimitedPer Condition Limit of £5,000£22.23£266.21£75
Legal and General pet insurance premiums for cats

*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 numbersOpening hours

Customer service

0370 060 0071

Monday to Friday 9am to 6pm
Saturday Closed

Claims

0370 060 0078

Monday to Friday 9am to 6pm
Saturday Closed

Free Vet Advice line

0800 197 0922

24/7

Quotes

0800 197 0881

Monday to Thursday 8am – 8pm
Friday 8am – 6pm
Saturday 9am – 5pm

How to contact Legal and General pet insurance

Legal and General pet insurance contact details

Legal and General contact details
Email

[email protected]

Mail address

Legal & General Insurance
1 Saxon House
Saxon Way West
Corby, Northants
NN18 9EZ

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.

Legal and General contact details

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
PO Box 1340
Peterborough
PE2 2QB.

How to report a claim on your Legal and General pet insurance?

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

[email protected]

Cancel by phone

0370 060 0071

How to cancel your Legal and General pet insurance?

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.