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Insurance Emporium Pet Insurance Review

Key Insurance Emporium pet policy info

  • Wide range of policy options and cover levels
  • Discount for new customers
  • Access to a 24/7 Vet Helpline

Find out if The Insurance Emporium Pet Insurance made it into our list of the best pet insurance for dogs.

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.

See how The Insurance Emporium Pet Insurance compares to other providers in our guide to the best pet insurance for dogs and for cats.

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.

How much does Pet Insurance from The Insurance Emporium cost?

According to the Insurance Emporium website, their policies start at the following prices:

  • The Pet Emporium Dog Insurance: £5.50 per lunar month
  • The Pet Emporium Senior Dog Insurance: £10.19 per lunar month
  • The Pet Emporium Cat Insurance: £3.33 per lunar month
  • The Pet Emporium Senior Cat Insurance: £3.51 per lunar month

All prices include the introductory discount.

However, do bear in mind that the cost of pet insurance is affected by many different factors, such as the type and breed of pet, the pet’s age and medical conditions, and the owner’s postcode.

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.

The Insurance Emporium Pet Insurance customer reviews

On Feefo, The Insurance Emporium received 4.4 out of 5 stars, based on over 550 reviews.

Expert reviews of The Insurance Emporium Pet Insurance

Independent financial researcher Defaqto rated all the different combinations of The Insurance Emporium’s Gold, Silver and Bronze policies as 3 Star and their Accident Only policy as 1 Star.

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 3 Star rated policy “has an average level of features and benefits” and a 1 star policy “has a low level of features and benefits.”

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.

This article was written independently by Bought By Many. We were not paid to write it but we could get a commission resulting from clicking on the links to one of our partners.

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