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Company Details


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.

Pet Insurance Policies

E&L offer a range of 12-month time-limited policies.

They do not at this time offer any lifetime annual benefit policies.

They offer range of senior policies for pets over 8>

They offer separate monthly and annual policies at each level. Note that monthly in this case means lunar monthly and therefore there are 13 "months" in the year.

Silver policies have dual limits. You can claim up to £3,500/£4,000 per policy period but cannot claim more than £1,000 per condition.

You have to pay 20% of vet fees for pets over the age of 8.

The excess for these policies range between £65 and £169 depending on the area of the country you live in, the breed of your pet and the plan chosen. This doubles for claims in excess of £1,000.

This policies does not include any travel cover.

Customer Reviews

The average claims satisfaction score for E&L is 2.6 /5. Read customer reviews.

Current Policies Available

This is a list of current policies. Click on the policy name for full details and a link to the reviews.
 NameTypeVet FeesCover ScorePrice Band 
Silver MonthlyOther£ 1,00028%£££££ 
Silver AnnualOther£ 1,00028%£££££ 
Gold MonthlyTime-Limited 12-Month£ 5,00041%£££££ 
Gold AnnualTime-Limited 12-Month£ 4,50036%£££££ 
Diamond MonthlyTime-Limited 12-Month£ 6,00046%£££££ 
Diamond AnnualTime-Limited 12-Month£ 5,50041%£££££ 
Silver Senior MonthlyOther£ 1,00028%£££££ 
Silver Senior AnnualOther£ 1,00028%£££££ 
Gold Senior MonthlyTime-Limited 12-Month£ 5,00041%£££££ 
Gold Senior AnnualTime-Limited 12-Month£ 4,50036%£££££ 
Diamond Senior MonthlyTime-Limited 12-Month£ 6,00046%£££££ 
Diamond Senior AnnualTime-Limited 12-Month£ 5,50041%£££££ 

Checkout a Policy


Please note that pet insurance terms often change. Whilst we will do our best to keep this website up to date you must check with the appropriate insurer before making any decisions. If you find any mistakes on this website please do let us know so we can correct it for the benefit of future visitors. Many thanks!


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