Legal & General Travel Insurance Review

Legal & General Travel Insurance Review

Legal & General Travel Insurance Review

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Legal & General plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review 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 travel policies have been ranked using our unique star rating formula
  • Find out how Legal & General rate on our "User Friendly" Gauge. NEW INTERACTIVE FEATURE
  • 16 key points you need to know about their travel policy wording.
  • Pro's and Con's you should consider.
  • What Cover do Legal & General policies offer.
  • Sample Quotes (if you don't want to perform a full comparison).
  • Customer Reviews
...and what makes us unique?
  • You can take all this information and search and compare with the entire travel insurance market.

Who are Legal & General and who underwrites their policies?

Legal and General were founded in 1836 and today help over 10 million people globally with saving, investing, building retirement income and insurance. They are a well respected Insurer who have some great policies available to the general public. Legal & General Travel Insurance is managed by Hood Travel Ltd, underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance.

Legal and General offer three levels of travel insurance cover, including the four star rated gold policy. Make sure you read our review and choose a policy that is suitable for your needs.

Legal & General Travel Insurance Policies are Underwritten By AWP P&C SA

How Legal & General have been ranked using our star rating formula. Legal & General Star Ratings

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

Single Trip Policy Ratings Click to Expand

There are 3 Single Trip Policies, they are Gold, Silver, Bronze, we have rated these as follows:-

Thats Insurance Rating for Gold:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Bronze:

Single Trip Travel Insurance Guide here
Legal & General Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are no policies available for this section.

Backpacker Travel Insurance Guide here
Legal & General Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 3 Annual Policies, they are Bronze, Silver, Gold, we have rated these as follows:-

Thats Insurance Rating for Bronze:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Gold:

Legal & General Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are no policies available for this section.

Legal & General Travel Insurance Review

Legal & General's 'User Friendly' Rating

That's Insurance have reviewed 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

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

1

What is the age/classification of a child on the policy?

Children are classed as those aged 17 and under, living with an insured adult and in full time education.

2

What are the policy age limits?

Single and annual trips both require an insured person to be 79 years or younger.

3

What are the policy Trip Duration limits?

Single trip policies can be for up to a maximum of 94 days.

Annual travel policies offer unlimited trips, but each trip is restricted to no more than 31 days (Bronze cover), 45 days (Silver Cover) and 62 days (Gold cover)

4

What does the policy offer for Winter Sports cover?

Winter sports can be added to either policy, in respect of single trips, for the duration and in respect of annual policies for up to a maximum of 17 days in total per policy year.

The policy covers 14 winter sports activities as standard (including skiing and snowboarding off-piste, but only in areas considered safe by the resort management. A further 11 pursuits such as snowmobiling, can be added by including the Sports and Activity package.

 

5

What is classed as a family and how many people can be quoted for?

A policy may be taken out by a single person, a couple living together, a family which includes two adults and up to six children, or a group of up to ten persons.

Please note that even if there is more than one person wishing to insure themselves under the same policy, there is not group discount for doing so. 

 

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

The EHIC entitles you to take advantage of reciprocal arrangements of another European Country (including Switzerland). Similarly when visiting Australia and requiring medical treatment, enroling in MEDICARE also entitles you to subsidised costs.

If you make use of these arrangements and your medical bills are reduced as a result, any medical expenses excess will be waived.

 

7

What is covered under Sports and Activities on the policy?

There are 110 sporting and leisure activities included as standard, with the option to include a further 75 pursuits, by paying an additional premium and including the sports and activity package. A great selection for the more adventurous traveller.

8

What are the policy Alcohol Exclusion terms?

The policy excludes any claim in connection with the effect of, or you being under the influence of alcohol, or doing anything as a result of using alcohol, for example swimming whilst under the influence of alcohol.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Scheduled airline failure covered as standard, the gold policy also includes cover for end supplier failure.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

You do not need to declare minor ailments eg hayfever, cold/flu ear infections etc, provided you were only prescribed short term medication and have been advised you are safe to travel.

Any other medical conditions must be declared. This can be done online during the quotation process, using Legal and Generals comprehensive screening software.

If you do not declare a condition, then this will not be covered under the policy, but you would still be covered for unrelated conditions or claims on other sections of the policy.

11

What are the policy rules on travelling when pregnant?

The policy does not mention pregnancy. If you have any concerns, we recommend contacting the Insurer direct for clarification.

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Manual work is not mentioned in the policy, other than in the sports and activities section which alllows you to take part in charity work, but excludes all manual work.

You are also allowed to take part in Education work  or teaching (providing you are not qualified)  and Fruit picking providing no machinery used.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

The policy states, you must provide original receipts, vouchers or other suitable evidence of purchase/ownership/value for items lost, stolen or damaged.

14

What does the policy cover in the event of war, terrorism or cyber attack?

War and terrorism are excluded with the exception of claims in respect of Medical Expenses, and personal accident

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

Catastrophe cover can be purchased as an optional extra

16

Do I have to be a UK resident to be covered under this policy?

You must have your main home and be registered with a doctor in the UK, Channel Islands or Isle of Man and have not spent more than six months abroad during the year before any policy was issued.

Pro's and Con's for Legal & General

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

  • The Legal and General Gold policy has been awarded our four star rating
  • 110 sporting and leisure activities covered as standard with the option to include a further 75
  • Annual Gold cover policies allow individual trips of up to 62 days
  • Scheduled airline failure covered as standard.
  • Medical screening facility allowing medical conditions to be quoted for and included online

No Con's

What Cover do Legal & General policies offer.

Click on the arrows on the left and right of the policy boxes below, to scroll through the policies offered by Legal & General and view cover.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Gold

    Single Trip

    Silver

    Single Trip

    Bronze

    Single Trip

    Bronze

    Annual

    Silver

    Annual

    Gold

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    75

    100

    100

    75

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    15,000,000

    12,500,000

    10,000,000

    10,000,000

    12,500,000

    15,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    7,500

    5,000

    1,500

    1,500

    5,000

    7,500

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    30,000

    15,000

    10,000

    10,000

    15,000

    30,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    2,000

    1,000

    1,000

    2,000

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    200

    150

    150

    200

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    200

    150

    150

    200

    250

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

    500

    250

    250

    500

    750

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    25,000

    15,000

    15,000

    25,000

    50,000

  • Repatriation Cover
    Repatriation Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    750

    500

    500

    750

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    500

    250

    150

    150

    250

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    7,000

    4,500

    3,000

    3,000

    4,500

    7,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    750

    500

    200

    200

    500

    750

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    500

    300

    250

    250

    300

    500

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    750

    500

    300

    300

    500

    750

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    750

    500

    250

    250

    500

    750

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    2,000

    1,500

    1,000

    1,000

    1,500

    2,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    2,500

    0

    0

    0

    0

    2,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

Sample Quotes from Legal & General.

Listed below are some Sample Quotes offered by Legal & General (or click button to compare with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Individual

Age: 30 - 39

Trip Days: 14

Legal & General Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 7,500

Missed Departure 750

Delayed Departure 500

Baggage 3,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide

Individual

Age: 65 - 70

Trip Days: 14

Legal & General Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 300

Delayed Departure 250

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 30 - 39

Trip Days: 14

Legal & General Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 300

Delayed Departure 250

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Worldwide

Individual

Age: 18 - 29

Trip Days: 365

Legal & General Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 7,500

Missed Departure 750

Delayed Departure 500

Baggage 3,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide

Couple

Age: 71 - 75

Trip Days: 365

Legal & General Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

75

Click Heart to Favourite

Compare Now

Medical Expenses 12,500,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 300

Baggage 2,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Couple

Age: 40 - 49

Trip Days: 365

Legal & General Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

75

Click Heart to Favourite

Compare Now

Medical Expenses 12,500,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 300

Baggage 2,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from Legal & General

Visit Legal & General's Website and Get a Quotation direct

Current Discount Codes for Legal & General - No Current Discount Codes

Customer Reviews of Legal & General

No Customer Reviews Found

We hope that you have found this Legal & General Travel Insurance Review helpful. If you have experience of Legal & General, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

Compare Travel Insurance

How to use this table: Search for the policy by price, rating or name from the table below. Click on the right hand column to get more information and quote.