Legal & General Pet Insurance Review

Reviewed by: Thats Insurance

Choosing the right Pet Insurance is extremely important, as the wrong choice now could have severe financial consequences later and comparing numerous policy terms and conditions can be daunting.

Our independent rating and review highlights the important points we think you should know about when choosing an insurance policy to cover your pet.

Once you have read this review of Legal & General Pet and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Our review of Legal & General will highlight:

Who are Legal & General and who underwrites their policies?
How their Pet Insurance policies have been ranked using our unique star rating formula
0 key points you need to know about their Pet Insurance
How do Legal & General score in our mystery shopping tests?
Pro's and Con's you should consider.
A breakdown of the cover Legal & General policies offer
Sample Quotes

...and what makes us unique?

You can take all this information and search and compare with the entire Pet Insurance market.

Who are Legal & General Pet Insurance

Legal and General Pet Insurance Reviewed by Jonathan 23/10/2020.

Legal and General have taken the decision to currently pause the sale of new Pet Insurance policies

If you wish to be notified when the situation changes sign up here for our free newsletter.

How to Buy Pet Insurance from Legal & General Pet

Click on the website link to go directly to the insurance providers website. Visit Legal & General Pet's Website and Get a Quotation direct

How Legal & General Pet Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Legal & General Pet.

Dog Policy Ratings

We have reviewed 6 Dog Policies from Legal & General Pet Insurance. They are - Lifetime £10,000 - Lifetime £4,000 - Lifetime £2,000 - 12 Month £5,000 - 12 Month £2,000 - Accident Only. We have rated these as follows:-

Thats Insurance Rating for Dog Lifetime £10,000:

Thats Insurance Rating for Dog Lifetime £4,000 :

Thats Insurance Rating for Dog Lifetime £2,000 :

Thats Insurance Rating for Dog 12 Month £5,000 :

Thats Insurance Rating for Dog 12 Month £2,000:

Thats Insurance Rating for Dog Accident Only:

Legal & General Dog Insurance Review

Rabbit Policy Ratings

Thats Insurance found no policies available for this section.

Legal & General Rabbit Insurance Review

Cat Policy Ratings

We have reviewed 6 Cat Policies from Legal & General Pet Insurance. They are - Lifetime £4,000 - Lifetime £10,000 - Lifetime £2,000 - 12 Month £5,000 - 12 Month £2,000 - Accident Only. We have rated these as follows:-

Thats Insurance Rating for Cat Lifetime £4,000 :

Thats Insurance Rating for Cat Lifetime £10,000 :

Thats Insurance Rating for Cat Lifetime £2,000 :

Thats Insurance Rating for Cat 12 Month £5,000 :

Thats Insurance Rating for Cat 12 Month £2,000 :

Thats Insurance Rating for Cat Accident Only:

Legal & General Cat Insurance Review

Pet Policies rated by That's Insurance 5 Star include:-
(click to open/close)

Policies must provide cover for all core sections and all secondary sections.
Vets Fees - Policies must provide a minimum maximum benefit of £6,000, or £4,000 per condition and cover either;

A maximum benefit per condition no renewal guarantee.
A maximum limit per condition with a lifetime renewal guarantee; or
A maximum benefit per year with a lifetime renewal guarantee.

Cruciate Ligaments - Damage to, or disease of the cruciate ligament is a common problem in animals. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £4,000.
MRI/CT Scans - If your pet suffers from seizures, paralysis or back problems, your vet may recommend an MRI scan. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £2,000.
Euthanasia - If your pet needs to be put to sleep to alleviate further suffering, policies must cover this. A policy must offer at least £100 to cover the cost of euthanasia.
Complementary treatments ? The industry average for complementary treatments such as physiotherapy is £1,000. Five star policies have at least this amount of cover.
Prescribed Food - All five star policies must cover the cost of prescription food (to treat bladder stones) up to at least £100
Dental treatment - Dental treatment for accidents of at least £500.
Loss of your Pet - The industry average benefit for loss of your pet due to accident, illness, theft or straying is £1,000. All policies must offer at least this amount.
Compulsory excesses - The industry average for the age at which additional compulsory excesses are charged is 6. All five star policies will not charge an additional compulsory excess until at least this age.
Five-star policies may provide additional service and cover benefits over and above standard policies.
Premiums are competitive in relation to the cover provided.
Five-Star policies have clear and consumer friendly, wording and explanations of cover.
The standard excess is equal or lower than the £100 market average.

Pet Policies rated by That's Insurance 4 Star include:-
(click to open/close)

Four-star policies cover all core sections and secondary sections under a pet insurance policy.
Four-Star policies offer Veterinary Fees cover that are above the market average and provide either

A maximum benefit per condition no renewal guarantee.
A maximum limit per condition with a lifetime renewal guarantee; or
A maximum benefit per year with a lifetime renewal guarantee.

Four-star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
Four-star policies may provide additional cover benefits.
Premiums are competitive in relation to the cover provided.
Four-star policies have clear and consumer friendly wording and explanations of cover.

Pet Policies rated by That's Insurance 3 Star include:-
(click to open/close)

Three star policies cover all core sections, but may not offer all secondary sections of cover.
Three star policies cover veterinary fees that may be lower than the market average and provide either

A maximum limit per condition limited to 12 months
A maximum benefit limited to 12 months.
A maximum benefit per condition no renewal guarantee
A maximum limit per condition with a lifetime renewal guarantee; or
A maximum benefit per year with a lifetime renewal guarantee.

Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
Three star policies have some secondary covers lower than the market average.
Three star policies may not have all the features and benefits of a four or five star policy.
The standard excess may be higher than the market average.

Pet Policies rated by That's Insurance 2 Star include:-
(click to open/close)

Two star policies generally provide cover that is below the market average and/or have core and secondary sections of cover missing from their policies.
Two star policies cover veterinary fees cover that are below the market average and provide either

Accident only cover,
A maximum limit per condition limited to 12 months,
A maximum benefit limited to 12 months,
A maximum benefit per condition no renewal guarantee,
A maximum limit per condition with a lifetime renewal, guarantee; or
A maximum benefit per year with a lifetime renewal guarantee.

Two star policies may have sections of cover missing.
Premiums tend to be much lower than the market average due to the low levels of cover provided.
The Standard Excess can be higher than the market average.
Policy wordings may not be as consumer friendly as other Insurers and contain more terms and conditions

Key Points you need to know about Legal & General Pet's policy wording

We are currently Awaiting Details of Key Points for this provider.

Legal & General Pet's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on legal-and-general-pet-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Legal & General compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Legal & General Policies

We've highlighted Pro's and Cons for Legal & General, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Legal & General Pet.

Pro's

No Pro's

Con's

No Con's

What Cover do Legal & General policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name

PolicyName & Policy Type

Lifetime £10,000

Dog

Lifetime £4,000

Dog

Lifetime £2,000

Dog

12 Month £5,000

Dog

12 Month £2,000

Dog

Accident Only

Dog

Lifetime £4,000

Cat

Lifetime £10,000

Cat

Lifetime £2,000

Cat

12 Month £5,000

Cat

12 Month £2,000

Cat

Accident Only

Cat

Primary Cover

Policy Excess

75

75

99

75

99

75

75

75

99

75

99

75
Accident Only

0

0

0

0

0

2,500

0

0

0

0

0

2,500
Per Condition Time Limited

0

0

0

5,000

2,000

0

0

0

0

5,000

2,000

0
Maximum Benefit Time Limited

0

0

0

0

0

0

0

0

0

0

0

0
Maximum Benefit Per Condition

0

0

0

0

0

0

0

0

0

0

0

0
Lifetime Per Condition

0

4,000

2,000

0

0

0

4,000

0

2,000

0

0

0
Lifetime Maximum Benefit

10,000

0

0

0

0

0

0

10,000

0

0

0

0
Dental

10,000

4,000

2,000

5,000

2,000

2,500

4,000

10,000

2,000

5,000

2,000

2,500
Death from Accident

2,000

2,000

1,500

1,000

750

350

2,000

2,000

1,500

1,000

750

350
Death from Illness

2,000

2,000

1,500

1,000

750

0

2,000

2,000

1,500

1,000

750

0
Theft or Straying

2,000

2,000

1,500

1,000

750

0

2,000

2,000

1,500

1,000

750

0
Advertising and Reward

1,000

1,000

750

500

250

0

1,000

1,000

750

500

250

0
Third Party Liability

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

0

0

0

0

0

0
Third Party Liability Excess

250

250

250

250

250

250

0

0

0

0

0

0
Cruciate Ligament Rupture

1,500

1,500

1,250

1,500

1,250

1,250

1,500

1,500

1,250

1,500

1,250

1,250
CT/MRI Scans

1,500

1,500

1,250

1,500

1,250

1,000

1,500

1,500

1,250

1,500

1,250

1,250
Euthanasia

300

300

300

250

250

150

300

300

300

250

250

150

Secondary Cover

Complimentary Treatment

1,500

1,500

1,000

750

500

500

1,500

1,500

1,000

750

500

500
Prescribed Food

250

250

200

150

100

0

250

250

200

150

100

0
Emergency Boarding Fees

2,000

2,000

1,500

1,000

750

0

2,000

2,000

1,500

1,000

750

0
Holiday Cancellation

2,000

2,000

1,500

1,000

750

0

2,000

2,000

1,500

1,000

750

0
Emergency Repatriation

2,000

2,000

1,500

1,000

750

0

2,000

2,000

1,500

1,000

750

0
Quarantine Expenses

1,500

1,500

1,000

0

0

2,500

1,500

1,500

1,000

0

0

0
Emergency Vet Expenses

10,000

4,000

2,000

5,000

2,000

0

4,000

10,000

2,000

5,000

2,000

2,500
Loss of Pet Passport

250

250

250

0

0

0

250

250

250

0

0

0
Accidental Damage to Property

1,000

1,000

500

250

0

0

1,000

1,000

500

250

0

0
Personal Accident (Pets)

0

0

0

0

0

0

0

0

0

0

0

0
Cremation

300

300

300

250

250

150

300

300

300

250

250

150

Sample Quotes from Legal & General Pet.

We are currently Awaiting Details of quotes for this provider.

No Result Found

Legal & General Pet Insurance Review