Insurance Emporium - Pet Insurance reviews

Incorporated in 2012, The Insurance Emporium has grown to become renowned insurance company, offering a vast range of different products to cater to a variety of interests and individuals to protect the things they love the most.

The Insurance Emporium works hard to understand their customers and what’s important to them. This allows them to offer products and services that respond to the customers needs as individuals and reflect the changes that happen as their lives and families grow.

Insurance Emporium

Ranked #27 of 31 Pet Insurance providers based on 365 reviews

Review Score


Quotes our team received:

  • Dog £3.90 per month
  • Cat £3.20 per month

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5 Review(s) in total

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Choose from five levels of pet insurance

The Insurance Emporium pet insurance  currently offer six policies, ranging from Public Liability Only, Accident Only, Time Limited, Maximum Benefit and Lifetime. Each policy includes veterinary fee cover and renewable benefits. There is a useful guide to the types of benefits available below.

Unlike other insurers, The Insurance Emporium’s policies have no excess except on Vet’s Fees. This is calculated by policy type and cover level and is fixed per condition, per policy year.

The policy booklet has the full terms and conditions. For more information visit the Insurance Emporium official website.

Public Liability OnlyAccident OnlyTime LimitedMaximum BenefitLifetime
Vet FeesX£3,000Up to £6,000Up to £7,500Up to £8,000
Death Of PetXXUp to £1,500Up to £1,500Up to £1,500
Accidental DamageXXUp to £800Up to £800Up to £800
Personal AccidentXXUp to £250Up to £250Up to £250
Advertising & RewardXXUp to £850Up to £850Up to £850
Theft or StrayingXXUp to £1,500Up to £1,500Up to £1,500
Third Party Liability£1.5 MillionX£1.5 Million£1.5 Million£1.5 Million

Your benefits for pet insurance cover levels

Third Party Liability

If your dog responsible for causing an accident or injury, The Insurance Emporium will cover Third Party Liability claims up from £1,500,000 across all levels of cover/

Death From Illness and Injury

If your pet passes away as a result from illness or injury, The Insurance Emporium will cover the original costs of your pet up to £1,500, depending on your level of cover.

Boarding Fees

If you need to go into hospital for emergency medical treatment for more than 4 consecutive days and your pet requires lodgings  in kennels or catteries while you are in hospital, The Insurance Emporium will cover the fees up to £1,250 across all levels of cover

Loss By Theft/Straying & Advertising

If your pet strays or is stolen, The Insurance Emporium will cover the original cost of your pet as well as the advertising costs up to £1,500.

Personal Accident

If your pet causes you to have an accident, The Insurance Emporium will cover the cost of you being out work for up to £250 per policy period.

Accidental Damage

If your pet damages someone’s property, The Insurance Emporium will provide cover for Accidental Damage up to £800.

What animals can I insure with The Insurance Emporium?

The Insurance Emporium offers cover for cats and dogs from five weeks to eight years old. If a pet is older than eight years old, you will need to purchase their Senior pet insurance.

What types of policy do The Insurance Emporium offer?

The Insurance Emporium offer five policy types, including Public Liability Only, Accident Only, Time Limited, Maximum Benefit and Lifetime. They also cover up to £8,000 in vet fees, with additional benefits including holiday cancellation, emergency kennel fees and advertising and reward should your pet go missing.

Does The Insurance Emporium cover pre-existing conditions?

The Pet Insurance Emporium does not cover illness, injury or conditions that were diagnosed or noticed before the inception of the policy. Any condition, illness or injury noticed or diagnosed after the 14 day wait period will be covered subject to the policy’s terms and conditions.

How long does it take to assess a claim?

Once you have submitted a claim, The Insurance Emporium will contact you within two working days to confirm to the receipt of your claim. They aim to assess your claim in a prompt and timely matter, providing all of the documentation and information provided is correct.

About The Insurance Emporium

The Insurance Emporium strives to offer a first class claims and customer contact that moves with the times, providing comprehensive cover and competitive premiums for everything from pet insurance to caravan insurance, horses and trailers, camera equipment, boats, student possessions, weddings, musical instruments and much more.

About The Insurance Emporium

The Insurance Emporium currently provides five policies, including Public Liability Only, Accident Only, Time Limited, Maximum Benefit and Lifetime. Each policy also has three levels of cover (Bronze, Silver, Gold) so you can pick the right policy to suit your budget and needs.

Public Liability Only provides third party liability cover of up to £1.5million. It does not provide cover for veterinary care or include any of the additional benefits included in the other policies.

Accident Only provides cover for accidents and injuries, with vet fees covered up to £3,000. This policy does not include third party liability or any of the other benefits included within the other policies.

The other policies each provide the same amount of cover for all additional benefits. However, each policy differs on veterinary fees. Time Limited provides cover for vet fees ranging from £1,500, £4,000 and £6,000 up to 12 months. Maximum Benefit provides cover for vet fees ranging from £2,000 to £4,500 and £7,500, until the limit is reached and the Lifetime policy covers veterinary fees from £2,500 to £5,000 and £8,000.

The Insurance Emporium Contact Info

To contact The Insurance Emporium, there are a list of numbers you can call to help you with your query:

  • Quotations & Sales – 0330 244 005
  • Existing Customer Queries – 03300 244 007
  • Claims – 03300 244 006
  • Affiliates & Brokers – 03300 244 033
  • Customer Experience – 03300 244 007

You can also fill in the form on their contact page by visiting

Promotions & Offers

  • 20% introductory discount for new customers
  • 10% multi-pet discount

How To Make A Claim

To submit a claim with The Insurance Emporium, complete the claim form and click submit to download the claim form. For more information and to download the appropriate form, visit

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