Is The Insurance Emporium The Best Pet Insurance Company?

Alexandre Desoutter Alexandre Desoutter  updated on September 7, 2020

Would you like to insure your beloved pet against accident or illness? Are you here to know whether The Insurance Emporium is the best pet insurer to go for?

You are at the right place!

In the below review, we will tell you everything you need to know on The Insurance Emporium pet insurance: cover table, prices, contact, claim and cancel process and our own recommandation.

Our review on The Insurance Emporium pet insurance

4.6 Safe overall rating for The Insurance Emporium pet insurance

Safe ratingOur opinion
Customer service & satisfaction
and claims
High rating of 4.6/5 on Trustpilot
The website is user friendly and well detailed
Customer care availability
Most insurance cover options have a 3 star Defaqto rating
Legal Helpline is available
Cover provided for your home European Cover is provided
Euthanasia and Cremation covers are provided
There are many cover options offered which can get confusing
Value for money A 20% discount is given to new customers when they buy an insurance policy online.
A 10% Multi pet discount is given when two or more pets are insured
Insurance policies cost £4.64 per month for dog insurance
Insurance policies cost £3.71 per month for cat insurance
Financial strength The Insurance Emporium is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
Technology Strong social media presence
Quotes can be taken out online
Customer care portals are available
No live chat option
Safe rating for The Insurance Emporium home insurance

The Insurance Emporium pet insurance reviews: Defaqto and Trustpilot

Reviews
DefaqtoLifetime Gold Annual: 5 Stars
Lifetime Bronze Annual: 4 stars
Lifetime Silver Annual: 4 stars
Maximum Benefit Silver Annual: 4 stars
Maximum Benefit Bronze Annual: 3 stars
Time Limited Bronze Annual: 3 stars
Time Limited Gold Annual: 3 stars
Time Limited Silver Annual: 3 stars
Accident Only Annual: 1 star


Trustpilot4.6/5 based on 3,013 reviews
Reviews on The Insurance Emporium pet insurance

What does The Insurance Emporium pet insurance cover?

The Insurance Emporium pet insurance for dogs

Cover TypeVet feesDeath by accidentDeath by illnessLost or stolenBoardingThird party liability
Accident Only£2,500 per injury or accident. – No annual policy limitnonononono
Lifetime£2,000 per condition per year – No on-going condition limit.yesnoyesyesyes
Lifetime£4,500 per condition whilst policy remains in force – No time limitedyesnoyesyesyes
Lifetime£6,500 per condition per year – No on-going condition limityesnoyesyesyes
Maximum Benefit£1,500 per condition whilst policy remains in force – No time limited –yesnoyesyesyes
Maximum Benefit£4,000 per condition whilst policy remains in force – No time limited. –yesnoyesyesyes
Maximum Benefit£6,000 per condition whilst policy remains in force – No time limited –yesnoyesyesyes
Time Limited£3,500 per condition for 12 months from onset date – No annual policy limit –yesnoyesyesyes
Time Limited£5,000 per condition for 12 months from onset date – No annual policy limit –yesnoyesyesyes
Time Limited£1,000 per condition for 12 months from onset date. – No annual policy limit –yesnoyesyesyes
The Insurance Emporium pet insurance for dogs

The Insurance Emporium pet insurance for cats

Cover TypeVet feesDeath by accidentDeath by illnessLost or stolenBoarding
Accident Only£2,500 per injury or accident. – No annual policy limit –nononono
Lifetime£2,000 per condition per year – No on-going condition limit. –yesnoyesyes
Lifetime£4,500 per condition whilst policy remains in force – No time limited –yesnoyesyes
Lifetime£6,500 per condition per year – No on-going condition limit –yesnoyesyes
Maximum Benefit£1,500 per condition whilst policy remains in force. – No annual policy limit –yesyesyesyes
Maximum Benefit£4,000 per condition whilst policy remains in force. – No time limited. –yesyesyesyes
Maximum Benefit£6,000 per condition whilst policy remains in force – No time limited –yesnoyesyes
Time Limited£1,000 per condition for 12 months from onset date. – No annual policy limit – 12 months from date condition was first noticedyesyesyesyes
Time Limited£3,500 per condition for 12 months from onset date – No annual policy limit –yesyesyesyes
Time Limited£5,000 per condition for 12 months from onset date – No annual policy limit –yesyesyesyes
The Insurance Emporium pet insurance for cats

None of the above pet insurance covers pre-existing medical conditions.

How much is The Insurance Emporium pet insurance?

How much is The Insurance Emporium pet insurance for dogs?

Cover typePolicy detailsMonthly premiumAnnual premiumStandard Excess
Accident Only£2,500 per injury or accident.£5.10£46.41£75
Lifetime£2,000 per condition per year£21.17£192.42£105 + 5% contribution to the remaining amount of each claim
Lifetime£4,500 per condition per year£25.43£231.20£115 + 5% contribution to the remaining amount of each claim
Lifetime£6,500 per condition per year£29.56£268.72£125 + 5% contribution to the remaining amount of each claim
Maximum Benefit£1,500 per condition whilst policy remains in force.£17.14£155.86£105
Maximum Benefit£4,000 per condition whilst policy remains in force.£19.10£173.66£115
Maximum Benefit£6,000 per condition whilst policy remains in force£22.96£208.75£125
Time Limited£1,000 per condition for 12 months from onset date.£10.74£97.68£105
Time Limited£3,500 per condition for 12 months from onset date£17.28£157.15£115
Time Limited£5,000 per condition for 12 months from onset date£21.75£197.75£125
The Insurance Emporium pet insurance premiums for dogs

*Quotes above are for a pedigree dog of one year old, not neutered nor microchipped.

How much is The Insurance Emporium pet insurance for cats?

Cover typePolicy detailsMonthly premiumAnnual premiumStandard Excess
Accident Only£2,500 per injury or accident.£4.08£37.12£75
Lifetime£2,000 per condition per year£16.84£153.12£85 + 5% contribution to the remaining amount of each claim
Lifetime£4,500 per condition per year£22.58£205.29£95 + 5% contribution to the remaining amount of each claim
Lifetime£6,500 per condition per year£25.40£230.89£105 + 5% contribution to the remaining amount of each claim
Maximum Benefit£1,500 per condition whilst policy remains in force.£11.21£101.93£85
Maximum Benefit£4,000 per condition whilst policy remains in force.£15.02£136.51£95
Maximum Benefit£6,000 per condition whilst policy remains in force£19.38£176.21£105
Time Limited£1,000 per condition for 12 months from onset date.£8.72£79.29£85
Time Limited£3,500 per condition for 12 months from onset date£12.35£112.33£95
Time Limited£5,000 per condition for 12 months from onset date£15.30£139.11£105
The Insurance Emporium pet insurance premiums for cats

*Quotes above are for a pedigree cat of one year old, not neutered nor microchipped.

How to contact The Insurance Emporium pet insurance?

The Insurance Emporium pet insurance phone numbers

How to contact The Insurance Emporium?Phone numbersOpening hours

Quotes

03300 244 005

Mon – Fri: 8:00am to 8:30pm
Saturday: 8:30am to 5:00pm
Sunday: 9:00am to 4:00pm
Bank Holiday: 10:00am to 4:00pm
Christmas & Boxing Day: Closed

Existing Customer Queries

03300 244 007

Mon – Fri: 8:00am to 8:30pm
Saturday: 8:30am to 5:00pm
Sunday: 9:00am to 4:00pm
Bank Holiday: 10:00am to 4:00pm
Christmas & Boxing Day: Closed

Claims

03300 244 006

Mon – Fri: 8:00am to 7:00pm
Saturday: 9:00am to 12:00pm

Customer Experience

03300 244 007

Mon – Fri: 8:00am to 5:30pm

How to contact The Insurance Emporium pet insurance

The Insurance Emporium pet insurance contact details

The Insurance Emporium contact details
Contact form

The Insurance Emporium Online Contact Form

Email

[email protected]

Mail address

The Insurance Emporium Pet Insurance
Thorpe Underwood Hall
YO26 9SZ
York
United Kingdom

Livechat

Not available

The Insurance Emporium contact details

How to log in to The Insurance Emporium customer portal?

You can login by clicking on the "Existing customer" option and clicking on "My Emporium" or following the link: My Emporium

How to claim at The Insurance Emporium pet insurance?

There are several reasons to report a claim on your pet insurance:

  • you had or will have to face significant vet fees or repeat medication;
  • your pet is missing;
  • your pet had or caused an accident etc.

Claims can be made by downloading the claims form and sending it via email or post. Also, customer care representatives can be called on the claims assigned number.

How to claim on your The Insurance Emporium pet insurance?
Claim online

The claims form can be gotten on the customer care portal

Claim by email

[email protected]

Claim by phone

03300 244 006

Claim by post

The Insurance Emporium
Thorpe Underwood Hall
Ouseburn
York
YO26 9SS

How to report a claim on your The Insurance Emporium pet insurance?

How to cancel your The Insurance Emporium pet insurance?

Cancellations can be done by calling the assigned telephone number.

How to cancel your The Insurance Emporium pet insurance?
Cancel by phone

03300 244 005.

How to cancel your The Insurance Emporium pet insurance?

Our final opinion on The Insurance Emporium pet insurance

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 and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

The Insurance Emporium offers pet insurance for dogs and cats and has a wide range of cover levels available; this makes it easy for policyholders to pick one that suits theri budget. It offers Lifetime, Maximum Benefit and Time Limited policies and for each of these it has Gold, Silver and Bronze cover levels. It provides vet fees ranging from £1,000 to £8,000 depending on the type of cover chosen. It also offers accident only and liability only policies.

The Insurance Emporium has a high rating on Defaqto and most of its insurance policies have a 4 star and 3 star rating on Defaqto. There are many cover options offered which can get confusing but a customer care agent should be able to put you through that. The insurance company is recommended.