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:
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
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
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 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, or a yearly basis. lunar monthly works out more expensive over the year but you get higher cover limits.
The Insurance Emporium offers separate policies for senior pets (over eight 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 eight 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 six.
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.