Legal & General Pet Insurance Review

Legal & General Pet Insurance Review

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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.

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

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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 Click to Expand

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:-

Rating for Dog Lifetime £10,000:

Rating for Dog Lifetime £4,000 :

Rating for Dog Lifetime £2,000 :

Rating for Dog 12 Month £5,000 :

Rating for Dog 12 Month £2,000:

Rating for Dog Accident Only:

Legal & General Dog Insurance Review

Rabbit Policy Ratings Click to Expand

found no policies available for this section.

Legal & General Rabbit Insurance Review

Cat Policy Ratings Click to Expand

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:-

Rating for Cat Lifetime £4,000 :

Rating for Cat Lifetime £10,000 :

Rating for Cat Lifetime £2,000 :

Rating for Cat 12 Month £5,000 :

Rating for Cat 12 Month £2,000 :

Rating for Cat Accident Only:

Legal & General Cat Insurance Review
  • 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;
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. 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.
  • 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
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. 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.
  • 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
  1. A maximum limit per condition limited to 12 months
  2. A maximum benefit limited to 12 months.
  3. A maximum benefit per condition no renewal guarantee
  4. A maximum limit per condition with a lifetime renewal guarantee; or
  5. 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.
  • 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
  1. Accident only cover,
  2. A maximum limit per condition limited to 12 months,
  3. A maximum benefit limited to 12 months,
  4. A maximum benefit per condition no renewal guarantee,
  5. A maximum limit per condition with a lifetime renewal, guarantee; or
  6. 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.

No Pro'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 Insurance Provider

  • 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 toggle

  • Policy Excess
    Policy Excess

    75

    75

    99

    75

    99

    75

    75

    75

    99

    75

    99

    75

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    2,500

    0

    0

    0

    0

    0

    2,500

  • Per Condition Time Limited
    Per Condition Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    5,000

    2,000

    0

    0

    0

    0

    5,000

    2,000

    0

  • Maximum Benefit Time Limited
    Maximum Benefit Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Maximum Benefit Per Condition
    Maximum Benefit Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Lifetime Per Condition
    Lifetime Per Condition Explanation
    Cover Type Icon

    0

    4,000

    2,000

    0

    0

    0

    4,000

    0

    2,000

    0

    0

    0

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    10,000

    0

    0

    0

    0

    0

    0

    10,000

    0

    0

    0

    0

  • Dental
    Dental Explanation
    Cover Type Icon

    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
    Death from Accident Explanation
    Cover Type Icon

    2,000

    2,000

    1,500

    1,000

    750

    350

    2,000

    2,000

    1,500

    1,000

    750

    350

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    2,000

    2,000

    1,500

    1,000

    750

    0

    2,000

    2,000

    1,500

    1,000

    750

    0

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    2,000

    2,000

    1,500

    1,000

    750

    0

    2,000

    2,000

    1,500

    1,000

    750

    0

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    1,000

    1,000

    750

    500

    250

    0

    1,000

    1,000

    750

    500

    250

    0

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    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
    Third Party Liability Excess Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

    0

    0

    0

    0

    0

    0

  • Cruciate Ligament Rupture
    Cruciate Ligament Rupture Explanation
    Cover Type Icon

    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
    CT/MRI Scans Explanation
    Cover Type Icon

    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
    Euthanasia Explanation
    Cover Type Icon

    300

    300

    300

    250

    250

    150

    300

    300

    300

    250

    250

    150

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    1,500

    1,500

    1,000

    750

    500

    500

    1,500

    1,500

    1,000

    750

    500

    500

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    250

    250

    200

    150

    100

    0

    250

    250

    200

    150

    100

    0

  • Emergency Boarding Fees
    Emergency Boarding Fees Explanation
    Cover Type Icon

    2,000

    2,000

    1,500

    1,000

    750

    0

    2,000

    2,000

    1,500

    1,000

    750

    0

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    2,000

    2,000

    1,500

    1,000

    750

    0

    2,000

    2,000

    1,500

    1,000

    750

    0

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    2,000

    2,000

    1,500

    1,000

    750

    0

    2,000

    2,000

    1,500

    1,000

    750

    0

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    1,500

    1,500

    1,000

    0

    0

    2,500

    1,500

    1,500

    1,000

    0

    0

    0

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    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
    Loss of Pet Passport Explanation
    Cover Type Icon

    250

    250

    250

    0

    0

    0

    250

    250

    250

    0

    0

    0

  • Accidental Damage to Property
    Accidental Damage to Property Explanation
    Cover Type Icon

    1,000

    1,000

    500

    250

    0

    0

    1,000

    1,000

    500

    250

    0

    0

  • Personal Accident (Pets)
    Personal Accident (Pets) Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cremation
    Cremation Explanation
    Cover Type Icon

    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.

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