Legal & General - Pet Insurance reviews

Legal and General is a British multinational financial services company that provides a variety of products and services, including home, pet, life and car insurance.

Legal & General

Ranked #23 of 31 Pet Insurance providers based on 736 reviews

Review Score


Quotes our team received:

  • Dog £6.99 per month
  • Cat £4.59 per month

4 Review(s) in total

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Choose from three levels of pet insurance

Legal and General’s pet insurance options include Accident Only, 12 Month and Lifetime, which includes generous cover and renewable benefits. There is a useful guide to the types of benefits available below.

Legal and General does require a contribution towards the costs of treating your pet. The excess can range from £75 to £99 depending on the level of cover. For pets aged over 5, a 10% co-payment will apply to each remaining claim. Legal and General also requires an excess of £250 for third party liability.

The policy booklet has the full terms and conditions. For more information visit Legal and General’s official website.

Accident Only12 MonthLifetime
Vet FeesUp to £2,500Up to £5,000Up to £10,000
Excess£75Up to £99Up to £99
Ongoing Conditions CoverageXXYes
Prescribed FoodXXUp to £250
DentistryAccident OnlyAccident & IllnessAccident & Illness
Death Of PetUp to £350Up to £1,000Up to £2,000
Advertising & RewardXUp to £500Up to £1,000
Theft or StrayingXUp to £1,000Up to £2,000
Third Party Liability£1,000,000£1,000,000£1,000,000

Your benefits for pet insurance cover levels

CT/MRI Scans

If your pet requires additional medical treatment, Legal & General will provide cover for CT and MRI scans up to £1,500, depending on your level of coverage.

Special Diet

If your pet requires a prescribed diet, Legal and General will cover the costs up to £250.


Legal and General provide dentistry for accident and illness as standard as part of their Lifetime and 12 month cover. However their Accident policy restricts this cover accident only.

Emergency Boarding

If you need to stay in hospital for an extended period of time and are unable to care for your pets, Legal and General will provide cover for emergency boarding up to £2,000, depending on your level of cover.

Accidental Damage of Third Party Property

If your pet causes accidental damage of third party property, Legal and General will cover the costs up to £1,000. This will depend on the level of cover you take out.

What animals can I insure with Legal & General?

Legal & General provides pet insurance for cats and dogs from eight weeks

What types of policy do Legal & General offer?

Legal & General offers three policies. Lifetime provides cover for new conditions or accidents up to the vet fee limit of £10,000. 12 Month policy provides cover for the twelve months after a condition arises, up to the vet fee limit of £5,000. Accident Only covers vet fees up to £2,500 in the event your pet suffers an accident or injury.

Does Legal & General cover pre-existing conditions?

Legal & General does not provide cover for conditions, illnesses or injuries diagnosed before the policy start date or during the 14 day wait period. Any condition, illness or injury diagnosed after that period of time will be covered by the policy.

How long does it take to assess a claim?

While Legal & General does not provide a time limit with assessing claims, their UK based team aim to handle pet insurance claims quickly and fairly.

About Legal & General

Legal and General was founded in 1836 and has since grown to become the UK’s largest provider of individual life assurance products and a market leader in managing retirement risks for pension schemes in both the UK and US.

About Legal & General Pet Insurance

Legal and General provide pet insurance to both cats and dogs across the UK. They currently offer three types of pet insurance policy, Lifetime, 12 Month and Accident Only.

Lifetime is Legal & General’s most comprehensive policy. It provides cover for new conditions or accidents that occur over the course of your pet’s whole lifetime as long as the policy is renewed.

12 Month policy provides cover for the twelve months after a condition occurs as long as the policy remains in force. Your pet has 12 months cover from the onset of each new condition and once the financial limit has been reached or 12 months has passed; whichever comes first. Any ongoing treatment as a result of this condition will not be covered and will be excluded from future claims as a pre-existing condition.

Accident Only policy covers your pet’s treatment in case of an accident up to the cover limit

For more information about Legal and General Pet Insurance policies visit

Legal & General Contact Info

Promotions and Offers

Legal and General offer a 10% Multi Pet discount for every new and existing customer when you insure more than one pet.


If you would like to contact Legal and General, you can call them from the following numbers. Lines are open 8am to 8pm Monday to Friday and 9am to 5pm on Saturday:

  • Sales – 0800 316 7570
  • Customer Service – 0370 060 2729
  • Make a claim – 0370 060 2730

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