Here are some of the questions we are frequently asked about our Pet Insurance. If you can't find an answer here or for more details of what is and isn’t covered, please refer to the policy booklet in the Key Documents section below.
Are pre-existing conditions covered?
A pre-existing condition is a medical condition that started before your pets policy began. There's a 14-day waiting period for illness cover, which means that no claims can be made for illness within the first 14 days of the policy. Any illness within the first 14 days becomes a pre-existing condition and won't be covered.
Unfortunately pre-existing conditions are not covered.
What is an excess and how much will this be?
The excess is your contribution to the costs of treating your pet. The excess can range from £75 to £99 depending on which product and cover level you choose - this is paid by you.
For our Accident Only policy this is paid per accident and for our 12 Month and Lifetime policies, this is paid per condition, per year.
For pets aged 5 and over, for Lifetime £2000, Lifetime £4000 and Lifetime £10000 a 10% co-payment will apply to the remaining claim for veterinary fees, special diet, complementary medicine and dentistry after the excess has been deducted, and for any claims for that condition thereafter.
If you need to make a claim under the Third Party Liability section of the policy the excess is £250 and is paid once per claim.
Is there a minimum/maximum pet age for a policy?
Your pet has to be 8 weeks old at the start of their policy and there is no upper age limit. We don't stop offering cover when your pet is older.
Please note that when your pet reaches 5 years of age a co-payment applies for veterinary fees in addition to the policy excess covered under Lifetime – see 'What is a co-payment?' below.
Can I pay for my policy in instalments?
Yes you can if you wish pay for your policy by monthly direct debit, even better there will be no additional charge for paying monthly rather than all in one go.
Can I pay for my policy in full?
If you want to pay for 12 months at the start of the policy you can and we'll provide you with 12 months of cover.
When does my cover start?
We'll cover your pet for accidents from your policy start date. There's a 14-day waiting period for illness cover, which means that no claims can be made for illness within the first 14 days of the policy. Any illness within the first 14 days becomes a pre-existing condition and won't be covered.
What is a co-payment?
This is the amount you pay towards the vet fee claim for each condition. For all pets aged 5 years and older the mandatory co-payment amount is 10% for Lifetime £2000, Lifetime £4000 and Lifetime £10000. This is in addition to the standard excess of:
- £99 for Lifetime £2000
- £75 for Lifetime £4000
- £75 for Lifetime £10000
For example if you made a claim of £500 the initial excess of £75 (for Lifetime £4000) would be deducted, followed by an additional 10% on the remaining £425 balance. This would mean £42.50 deducted from the balance, leaving a total claim amount paid of £382.50.
What vet fees are covered?
Our policy provides insurance for reasonable, customary and essential fees typically charged by a vet in the provision of treatment. Veterinary fees for treatment are compared to charges for the same or similar treatment to ensure that the treatment and veterinary fees are reasonable, necessary, essential and not excessive.
How do you assess whether the vets fees are reasonable?
Every claim is reviewed by our expert team of Internal Pet Claim Assessors and the cost compared to charges for the same or similar treatment within the same area.
Can my pet have dental work paid for?
Your pet will be covered for dental treatment as long as it is a direct result of an accident or injury to your pet. Any dentistry as the result of an illness or cosmetic and routine dentistry or on our lower levels of cover is excluded.
Please note: Teeth cleaning is not covered under our policies.
Will you pay the vet or me direct?
If your vet is happy for us to pay them direct then we are able to do so. You will then need to let us know in the claim form section.
How do I make a complaint?
We're committed to giving excellent customer care, but we're aware that occasionally mistakes happen. If you feel we're not providing the level of service you expected, we'll try to resolve the problem as quickly as possible.
If you policy number starts with PL write to:
Legal & General Insurance
1 Saxon House
Saxon Way West
Or send an email to firstname.lastname@example.org
Please quote your policy reference number in all communications.
We'll aim to respond to your complaint within 5 working days. We'll do our best to resolve the complaint within 4 weeks.
If you policy number starts with LAG write to:
Ultimate Pet Partners Ltd
The Connect Centre
Or send an email to: email@example.com
If you are not satisfied with our decision you may refer the complaint to:
The Financial Ombudsman Service
Harbour Exchange Square
The Financial Ombudsman Service is an independent body that arbitrates on complaints that consumers and financial businesses haven't been able to resolve themselves.
Why has my renewal price gone up?
When we calculate premiums, we consider a number of factors such as your pet’s breed, age, gender, claims history and your postcode. In the past few years we’ve seen a rise in the cost of vets’ bills due to improvements and availability in veterinary medicine, such as hydrotherapy. The volume of claims has also increased significantly, which has affected the price of all of our customers' policies.
How do you calculate pet premiums?
When we calculate premiums, we consider a number of factors such as your pet’s breed, age, gender and your postcode. In the past few years we’ve seen a rise in the cost of vets’ bills due to improvements and availability in veterinary medicine. The volume of claims has also increased significantly, which has affected the price of all of our customers' policies.
How will I receive my documents?
To protect our environment, all documentation is sent via email. When your policy renews, your renewal notice, along with your schedule of insurance and policy wording will be emailed to you 14 days before your renewal date. Where you don't have a valid email address your documents can be posted to you.
How can I contact you with a question?
Please call us on 0370 405 0006. Lines are open 9am to 7pm Monday to Thursday, Friday 9am to 5.30pm and 10am to 4pm Saturday. Call charges will vary. Calls may be recorded and monitored.
How can I contact you about a claim or to make a claim?
If you need to make a claim, phone our claims line on 0370 405 0007. Lines are open 9am to 7pm Monday to Thursday, Friday 9am to 5.30pm and 10am to 4pm Saturday. Call charges will vary. Calls may be recorded and monitored.
- Have your details ready before you call
- Have your client reference number ready - you'll find this at the top of all our letters to you.
- Check that the claim is covered by your policy. Each section of the policy wording tells you what is insured and what isn't insured. The cover you have requested is shown on your policy schedule.