Pet Insurance.

Child and Dog

We aim to offer Simple and affordable pet insurance

Our pets are uncomplicated creatures. We find them reassuring; they're a simple, constant presence while life's complications come and go. Our new dog and cat insurance aims to be refreshingly straightforward too, mirroring the nature of our pets. So, pet insurance doesn't have to be one of life's complications.

Legal & General Pet Insurance is arranged and administered by Ultimate Pet Partners Limited and underwritten by Ultimate Insurance Company Limited and Ageas Insurance Limited. Together we aim to provide a simple, easy to understand range of products with the right level of cover for you.

  • Three levels of cover
  • Up to £3,000 in veterinary fees, per condition
  • We'll cover you for advertising and a reward for your lost pet (Accident and Illness Plus only)
  • Pay your premium monthly at no extra cost
  • Online claims submission and tracking
  • Vetadviceline available - 24 hours a day, 365 days a year
  • Vet finder service

Important Information

If your policy started before 1st November 2013 the following policy documents apply:
Pet insurance key facts  PDF: 515KB and Pet insurance policy wording  PDF: 676KB or If your policy is due to start on or after 1st November 2013, the following documents apply: Pet Insurance key facts  PDF: 504KB and Pet Insurance policy wording  PDF: 664KB

Cover options range from Accident only to Accident and Illness Plus with two policy types:

  • Accident only, our Maximum Benefit Policy means that there's a financial limit for each new condition the animal may suffer. Each condition is insured until the financial limit has been reached; as long as the insurance policy remains in force there is no time limit on your claim. Once the financial limit has been reached, the medical condition becomes a pre-existing condition and is excluded from future claims.
  • Accident and Illness and Accident and Illness Plus, our Renewable Benefit Policies mean your pet can be covered for an ongoing condition for future years as long as the insurance policy remains in force with us.

View the Cover Descriptions and FAQ page for further details or refer to our Pet Insurance policy wording  PDF: 664KB  for full details.

FeatureAccident onlyAccident and illnessAccident and illness plus
Policy typeMaximum benefitRenewable benefitRenewable benefit
Veterinary fees£2,000£2,000£3,000
Complementary medicine£500£500£1,000
Special dietXX£100
CT/MRI scans and associated costs£500£500£875
Cruciate ligament£500£500£1,500
Dentistry as a direct result of an accidentXX£3,000
Behavioural treatment as a direct result of an insured incidentXX£3,000
Death of a pet from accident or illnessXX£1,500
Loss by theft or strayingXX£1,500
Advertising and rewardXX£400
Holiday cancellationXX£1,000
Third party liability (dogs only)£1 million per claim£1 million per claim£1 million per claim
Vetadviceline
Excesses apply to veterinary fees (£75) and third party liability (£250) - see policy wording for full details. Pre-existing medical conditions are not covered. For pets aged 8 years or over there's an additional 20% co-payment payable for each claim amount and no benefit is payable on the death of any pet.

When making a claim you would be covered up to the limits shown in the table above.

Included in our cover are such services as pet sitter - call on 0843 3091195 (Call charges will vary. We may record and monitor calls) and find a vet. However, you are not covered for the cost of the pet sitter.

Call us now on 0800 316 7570 and talk to the team about cover options for your pet, including Renewable Benefit Policy that means your pet is covered for an ongoing condition for future years as long as you insure with us.

Important Information

This summary is only a brief guide to your cover and exclusions. For more details of what is and isn’t covered, please read the Pet Insurance key facts  PDF: 504KB and for full details please read the Pet Insurance policy wording  PDF: 664KB .


Need Help?

Call our Pet Insurance Team now on: 0800 316 7570
Lines are open:
8am - 9pm Monday - Friday
9am - 2pm Saturday
Closed - Sunday

Call charges will vary. We may record and monitor calls.

Key documents

Make sure you read these before you buy:
Make and track a pet insurance claim
Make or track a claim
Do you need to make a claim on your pet insurance or would you like to track an existing one?
Make or track a claim
Find a vet
Find a vet
We are committed to providing you with excellent customer care. Part of this includes helping you find a veterinary practice near you.

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