Legal and General Pet Insurance Review for Dog Owners (UK)

When it comes to selecting pet insurance, there is a world of options, and it can make the process a tricky one. There are so many companies to choose from, and they all promise that they are the best option for you and your dog in terms of coverage and cost. With such overwhelming options, it can all seem too much, which is why we have put together this series of pet insurance guides – to help you find the right one. Legal and General is a company that has been around for some time, but have only started offering pet insurance in the past couple of years. However, this doesn’t mean that they aren’t a solid option to go for. They have a lot to offer and some very reasonable prices. Take a look at the Legal and General pet insurance reviews below and see for yourself.

What Pet Insurance Policies Do Legal and General Offer for Dogs?

Legal and General offers six different policies. This can come across as a little overwhelming when you first look at them, but it’s actually not as complex as it might appear. To help you understand each policy better, as well as what each of them can offer you, we have listed each of them here, along with the main things they cover:

First, you have the accident only cover. This tends to be the cheapest form of coverage available, and it will cover the very basics if your dog has an accident. Here’s what you can expect it to cover:

  • Up to £2,500 of cover per accident.
  • Advertising and reward up to £1,000.
  • Death from accident up to £350.
  • Pet funeral care up to £150.
  • Public liability of £1 million.
  • £75 excess.

Next, you have the 12-month 2000 coverage. This is an annual insurance that will cover each condition for 12-months at a time. Here is what you can expect it to cover:

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  • Up to £2,000 of cover per condition for 12-months.
  • Death of a pet up to £750.
  • Pet funeral care up to £250.
  • Loss by theft or straying up to £750.
  • Advertising and reward up to £250.
  • Holiday cancellation up to £750.
  • Public liability of £1 million.
  • £99 excess.

Following this, there is the 12-month 5000 coverage. This is another annual insurance that works the same way as the previous policy. However, this one covers a little more. Here is what you can expect it to cover:

  • Up to £5,000 of cover per condition for 12-months.
  • Death of a pet up to £1,000.
  • Pet funeral care up to £250.
  • Loss by theft or straying up to £1,000.
  • Advertising and reward up to £500.
  • Holiday cancellation up to £1,000.
  • Public liability of £1 million.
  • £75 excess.

Next, you have the lifetime 2000 policy. Unlike the previous forms of coverage, this will cover your dog’s conditions over the course of their life as opposed to for 12-months. Here is what you can expect it to cover:

  • Up to £2,000 of cover per condition.
  • Death of a pet up to £1,500.
  • Pet funeral care up to £300.
  • Loss by theft or straying up to £1,500.
  • Advertising and reward up to £750.
  • Holiday cancellation up to £1,500.
  • Public liability of £1 million.
  • £99 excess.

After this, there is the lifetime 4000 policy. This works in a similar way to the above, but it has a little more coverage. Here is what you can expect it to cover:

  • Up to £4,000 of cover per condition.
  • Death of a pet up to £2,000.
  • Pet funeral care up to £300.
  • Loss by theft or straying up to £2,000.
  • Advertising and reward up to £1,000.
  • Holiday cancellation up to £2,000.
  • Public liability of £1 million.
  • £99 excess.

Finally, you have the lifetime 10000 policy. This is the most comprehensive one on offer, and it gives you a lot more protection than the others. Here is what you can expect it to cover:

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  • Up to £10,000 of cover.
  • Death of a pet up to £2,000.
  • Pet funeral care up to £300.
  • Loss by theft or straying up to £2,000.
  • Advertising and reward up to £1,000.
  • Holiday cancellation up to £2,000.
  • Public liability of £1 million.
  • £99 excess.

What Does Legal and General Pet Insurance Include?

If you look at the above section, we have taken a look at each of the insurance policies offered by Legal and General, as well as a little more detail with regards as to what they offer. Of course, choosing the right policy and insurance is not an easy task, and so in this section, we give you a rough idea of what you can expect from Legal and General insurance for dogs. It is important to remember that this list covers all of the policies and the actual amount will depend on the coverage you choose.

  • Up to £10,000 of cover.
  • Death of a pet up to £2,000.
  • Pet funeral care up to £300.
  • Loss by theft or straying up to £2,000.
  • Advertising and reward up to £1,000.
  • Holiday cancellation up to £2,000.
  • Public liability of £1 million.
  • £99 excess.

What is the Cost of Legal and General Insurance for Dogs?

There are a few factors that will affect the amount that you are quoted, and this is something that you will find occurs with all insurance companies, including Legal and General. To help give you a better idea of the factors that could affect the amount you are quoted, we have listed the key criteria here for you:

  • Age
  • Breed
  • Sex
  • Any existing illnesses
  • Whether or not they have been neutered/spayed
  • The postcode of the owner

We got a quote from Legal and General to give you an idea of the cost of pet insurance from them. To make things easier, we have selected insurance for a neutered male Labrador that is three years old and lives in Basingstoke. Here is what we got:

  • Accident Only: £6.78 per month (up to £2,500 of cover).
  • 12-month 2000: £17.72 per month (up to £2,000 of cover).
  • 12-month 5000: £21.80 per month (up to £5,000 of cover).
  • Lifetime 2000: £23.14 per month (up to £2,000 of cover).
  • Lifetime 4000: £28.43 per month (up to £4,000 of cover).
  • Lifetime 10000: £33.51 per month (up to £10,000 of cover).

Making a Claim on Legal and General Pet Insurance

It’s not difficult to make a claim on Legal and General pet insurance, which is great if you are looking for a quick and easy process. There are two ways for you to make a claim, and in this section, we go through each of them.

The first way to claim is via the telephone. You can call them up and speak to a claims representative over the phone about your dog’s condition and what you would like to claim. They will take you through the process and can also fill the claim in for you over the phone. However, you may have to wait for a call back to find out if you have been approved.

The second way to claim is by using the online form provided on their website. You and your vet can fill this out, and then you can send it back to them via email or post at your convenience. You can opt to have them pay you directly or pay your vet, as long as your practice has agreed to handle payment in this manner.

The Pros and Cons of Legal and General Pet Insurance

Here are some of the advantages and disadvantages that come with using Legal and General pet insurance to protect your dog.

Pros

  • Good number of policies to choose from.
  • Good excess rates, especially compared to other companies.
  • Low prices across the board in general.
  • Simple claims process.
  • Good customer discounts and offers.

Cons

  • Not as much coverage overall when compared to other companies.

Legal and General Pet Insurance Discount Codes

Legal and General do have an option for promotional codes when you go to get a quote from them. We did have a quick search for some codes, but could not find any that were active as of July 2017. However, it is probably worth keeping an eye on discount code websites for any that might pop up if you are looking to get cover.

They also have a 10% multi-pet discount, so that if you live in a household with quite a few furry friends, they can all benefit from cover at a lower price. This is something that a number of insurance companies provide, and it is great for saving money each month or on your annual payments.

Customer Reviews

Legal and General does not have very many reviews online. This is because they are a relatively new company that has only been selling pet insurance for a few years. As a result, it is not entirely fair to judge the company based on the very few reviews that they currently have, and so it is best to make your own decision as to whether or not you use them instead of relying on customer feedback. Regardless, we have their current online ratings below for you to take a look at:

  • Pet Insurance Review has rated it at 1.1/5 with around 10 customer reviews.

To Conclude

Hopefully, this little guide to Legal and General pet insurance has helped you to understand their policies a little more, as well as give you an idea of what you are looking for from an insurance company. They have six policies to choose from, which can seem a little overwhelming at first, but once you look through them, it is easier to choose the one for you. While they don’t have as much coverage as other companies, they do cover the essentials and a little more. As a result, we feel that the rating this insurance provider should receive is 3/5.

What did you think of our guide to Legal and General pet insurance? Is there anything you would have added? We love hearing from you, so let us know in the comments below.

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