I would warn everyone about taking pet insurance out with Legal and General. My wife phoned them up to inform them about an issue with our dog. She had also previously declared operations our dog had. L&G approved the operation over the phone and emailed forms to us. They then posted out the same form. The dog had the operation. We paid the vet up front as is normal practice.the claim was then made and l&g declined it!! To make matters worse my wife received a phone call from them to confirm decline. They insisted it was a previous condition which my wife challenged. My wife used the example of a dog requiring a grass seed removal as a a comparison. The l&g representative ( wait for it! Said that was a condition!) . My wife then said she wanted to escalate via the complaints procedure. A few days later she got an email confirming the outcome of the complaint. So in short nobody even contacted her as part of this process to get her view as to why it was a complaint. I cannot stress too highly that you stand a very high chance of paying premiums to this company with nothing in return is very high. They also do not take any complaints seriously. We’ve used other pet insurers and they’ve been fine
Reviewed on: 14th April 2022
