Key Insurance Emporium pet policy info
- Wide range of policy options and cover levels
- 20% Discount for new customers
- Multi-pet discount
How does Emporium Pet Insurance compares to Bought By Many?
All Bought By Many policies are lifetime, which means the vet fee cover level resets every year you renew so it can cover ongoing illness and conditions throughout the lifetime of your pet.
Insurance Emporium only offer one lifetime policy with the highest cover level fee of £8,000 which is £7,000 less than the £15,000 vet fee available with Bought By Many's Complete lifetime policy. You can choose a lower vet fee of £7,000 and £3,000 with Bought By Many's Regular and Value policies.
With Insurance Emporium, you can choose the level of cover you want which are listed under the three categories of: Bronze, Silver and Gold. For their Lifetime policy, Insurance Emporium's cover levels are: £2,500 (Bronze), £5,000 (Silver) and £8,000 (Gold).
Insurance Emporium also offer less comprehensive Time limited and Maximum Benefit policies. Alongside an Accident only and a separate Public Liability policy.
One main difference between the two companies is that Bought By Many policies cover conditions that ended more than two years ago. They also offer a policy that can cover more recent pre-existing conditions that ended at least three months ago.
Bought By Many customers can claim for dental treatment if they choose their Complete policy. However owners are asked to ensure their pet has a dental checkup with a vet at least once a year.
When making a claim, Bought By Many customers can use an online claims process that does not involve the use of forms. Insurance Emporium in comparison require customers to download a claim form which should be completed and returned.
At the time of writing, Insurance Emporium offer new customers a 20% discount when they first buy a policy. Bought By Many do not offer introductory discounts and believe that existing customers shouldn't pay a different price to new customers who have enjoyed the benefit of a discount.
Bought By Many do provide a 15% Multi-pet discount for more than one pet insured on the same policy (our multi-pet discount is not currently available on our Value 2k policy); this is higher than the 10% discount on offer from Insurance Emporium.
Pet owners can also choose Bought By Many's Moneyback policy where customers can get 20% of their pet insurance premium back if they don't claim in a policy year. Insurance Emporium do not offer a similar policy.
If you're worried about your pet and need quick advice, Bought By Many customers can get free 24/7 unlimited access to video consultations with a qualified veterinary professional. This service is provided as part of their partnership with FirstVet. Insurance Emporium currently do not provide any video or telephone help service for customers.
We've compared the top levels of cover that we and The Insurance Emporium offer. The table uses our Complete policy.
| Bought By Many | Insurance Emporium | |
|---|---|---|
| Highest level of vet fee cover | £15,000 (Lifetime) | £8,000 |
| Video vet calls as standard | Yes (24/7 video vet call through FirstVet) | No |
| Claims waiting period is removed if you switch to the provider | Yes | No |
| Lifetime cover | All policies | Gold Policy only |
| Excess payable | Once a year | Per new claim |
| Multi-pet discount | 15% discount for pets insured on the same policy (our multi-pet discount is not currently available on our Value 2k policy) | 10% |
| Cover for dental accidents and illness | Yes (Up to full vet fee limit) | No |
What types of Pet Insurance does The Insurance Emporium offer?
The Insurance Emporium is a trading name of The Equine and Livestock Insurance Company Limited (E&L), which has been in business for over 70 years and also offers its own pet policies.
The Insurance Emporium offers pet insurance for dogs and cats and has a range of cover levels available. It offers Lifetime, Maximum Benefit (also known as per condition) and Time Limited policies and for each of these it has Gold, Silver and Bronze cover levels.
It also offers accident only and liability only policies.
Find out about the definitions of insurance types with our pet insurance FAQs.
Here are some of The Insurance Emporium key pet insurance cover levels:
Lifetime
Vet fees Gold £8,000, Silver £5,000, Bronze £2,500 Death or loss of pet Gold £1,500, Silver £1,250, Bronze £1,000
Maximum Benefit
Vet fees Gold £7,500, Silver £4,500, Bronze £2,000 Death or loss of pet Gold £1,500, Silver £1,250, Bronze £1,000
Time Limited
Vet fees Gold £6,000, Silver £4,000, Bronze £1,500 Death or loss of pet Gold £1,500, Silver £1,250, Bronze £1,000
All of the above policies include £1.5m of public liability cover and range of cover levels for things like holiday cancellation, accidental damage and boarding kennel fees.
The Accident Only policy covers £3,000 of vet fees for claims relating to accidents, not illness.
The Public Liability Only policy features £1.5m for liability claims and no other cover.
Policies can be taken out on a Lunar Monthly basis, meaning they renew every 28 days.
The Insurance Emporium offers separate policies for senior pets (over 8 years old). The cover is largely the same, though some of the terms may differ (see your policy documents for details).
Cover for death does not include pets over the age of 8 that die as a result of an illness.
Certain claims, such as death and loss by theft or straying, will be reduced by 50% if the pet is over the age of 6.
Excess fees apply to vet fees claims (calculated by policy type and cover level) and Public Liability claims (£250).
Optional extras including European Cover, National Pet Register, Legal Helpline, Euthanasia and Cremation and Premium Waiver are available for an added premium.
Is Behaviour Training covered by The Insurance Emporium Pet Insurance?
The following exclusion appears on the Insurance Emporium’s terms of policy: “Costs arising from vicious tendencies or behavioural problems shown by your pet or as a result of worrying livestock.”
The company also states that it will not cover pets who are known to have vicious tendencies or behavioural problems unless they have been previously told about this and have accepted it in writing.
Are promotional codes available for The Insurance Emporium Pet Insurance?
We couldn’t find any promo codes for The Insurance Emporium products online.
However, the company offers a 20% introductory discount to new customers (for the first year’s premium only, but loyalty discounts are available on renewal), and a 10% discount for customers insuring two or more pets.
How to make a claim on The Insurance Emporium Pet Insurance?
Step 1: Take your pet to the vet to be treated.
Step 2: Contact The Insurance Emporium asap in one of the following ways:
By post: The Insurance Emporium, Thorpe Underwood Hall, Ouseburn, York, YO26 9SS
By email: claims@emporium.co.uk
Or by phone: 03300 244 006
Step 3: The Insurance Emporium will send you a claim form – fill in the parts relevant to you and sign it.
You can also download the claim form on the company’s website.
Step 4: Ask your vet to fill in the sections of the form relevant to them.
Step 5: Send the form, along with all the relevant documents to The Insurance Emporium, by post or email (using the addresses detailed above)
Step 6: The Insurance Emporium will acknowledge the receipt of your form within 2 working days. According to the company’s website, they aim to assess all claims within 5 working days and issue payment for successful claims within 10 working days.
If you require further help call The Insurance Emporium’s customer helpline on 03300 244 005.
Other services available from The Insurance Emporium
The Insurance Emporium offers a wide range of insurance products, including Motor Insurance, Equine Insurance, Caravan Insurance, Wedding Insurance, Life Insurance, Camera Insurance and Home Insurance.
