Verdict

E&L are a long-established pet insurance provider offering a range of time limited pet insurance policies. They do not offer any policies which will pay for more than 12 months treatment for any condition. If you search the internet you will unfortunately find many negative customer reviews. You should also be careful to read the small print carefully as there are some uncommon exclusions.

This review of E&L Pet Insurance policies by The Pet Insurance Guide published in March 2023. For further information about how the rating of 1.3 out of 5 was arrived at please see E&L pet insurance – How Good is it?

Background

The Equine & Livestock (E&L) Insurance Company Limited describe themselves as “well known and established provider of personal line niche schemes and have been in business for more than 70 years.”

They underwrite their own insurance policies.

Customer Feedback

Unforunately, although there are some positive reviews for E&L, we have found more negative reviews for E&L than for any other pet insurance company. So please do make sure you do your research thoroughly and reach your own conclusion. Read E&L Customer Reviews analysis

Good Points

Appears to include dental cover for illnesses as well as accidents except for tooth or gum disease

Limitations

Lots of negative feedback on review sites
Does not pay for euthanasia, cremation or burial
Will only pay for food which is to treat bladder stones or crystals in urine
Reduced death benefits
Excesses vary but can be as high as £169 depending on pedigree, postcode etc.
Excess payments double for claims in excess of £1,000
No travel cover
Treatment cost limits (eg. Out of hours consultation max £90)
Will only pay for house calls or out of hours appointment for life-endangering conditions.
Your pet is required to have an annual health check (and any recommended treatment must be carried out)

Other Points to Note

You have to pay 35% of vet fees for pets over 8 years old
Monthly policies are lunar monthly which means you make 13 payments per year.
Although Silver policies have an annual limit of £3,500 or £4,000 you can’t claim more than £1,000 per condition.

Policy List

Click on a policy name to view full policy details

Silver Annual Policy – Time Limited Policy – £1,000 per condition (£3,500 annual limit)

Silver Monthly Policy – Time Limited Policy – £1,000 per condition (£4,000 annual limit)

Gold Annual Policy – Time-Limited Policy – £4,500 per condition

Gold Monthly Policy – Time-Limited Policy – £5,000 per condition

Diamond Annual Policy – Time-Limited Policy – £5,500 per condition

Diamond Monthly Policy – Time-Limited Policy – £6,000 per condition

Senior Silver Annual Policy – Time Limited Policy – £1,000 per condition (£3,500 annual limit)

Senior Silver Monthly Policy – Time Limited Policy – £1,000 per condition (£4,000 annual limit)

Senior Gold Annual Policy – Time-Limited Policy – £4,500 per condition

Senior Gold Monthly Policy – Time-Limited Policy – £5,000 per condition

Senior Diamond Annual Policy – Time-Limited Policy – £5,500 per condition

Senior Diamond Monthly Policy – Time-Limited Policy – £6,000 per condition

More Information

Recent Claim Experiences with E&L?

If you have claimed on a E&L pet insurance policy in last 12 months it would be great if you could share your experiences with others by completing our 2-minute survey.

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