Pet insurance is an insurance policy that can cover the cost of any veterinary treatment should your pet fall ill or get injured. In this review, we will be looking at The Insurance Emporium pet insurance including the different types of policies available, the key features of these policies and how much they cost. We also look at alternative providers, Agria* and Animal Friends to see how The Insurance Emporium pet insurance compares.
We recommend you read the review in full however you can skip to sections of the review using the following links:
- Who is The Insurance Emporium?
- The Insurance Emporium key features
- What does The Insurance Emporium cover?
- The Insurance Emporium policy types
- The Insurance Emporium policy exclusions
- How much does The Insurance Emporium pet insurance cost?
- The Insurance Emporium pet insurance policy excess
- How to make a claim with The Insurance Emporium
- The Insurance Emporium customer reviews
- Alternatives to The Insurance Emporium
- The Insurance Emporium pros and cons
- Summary
What is The Insurance Emporium?
The Insurance Emporium is a trading name of the Equine & Livestock Insurance Company Limited, the Equine and Livestock Insurance Company Limited has been offering multiple insurances for over 70 years.
The Insurance Emporium offers a range of insurance policies including caravan, equine, wedding, student and pet insurance. It offers a range of pet insurance policies for cats and dogs, as well as senior policies for older pets. They were voted Best Claims Service in the 2026 Moneyfacts consumer awards and the Lifetime Gold and Maximum Benefit Gold pet insurance has been awarded a 5 Star Rating from Defaqto since 2019. The Insurance Emporium offers all levels of dog and cat insurance which we cover in more detail below.
The Insurance Emporium key features
- Dog and Cat insurance
- Insurance for senior pets
- Equine insurance
- 20% introductory discount
- 10% multi-pet discount
- My Emporium customer portal to access your policy documents online
- Offers 5 policy types for dogs and 4 for cats
What does The Insurance Emporium cover?
The Insurance Emporium offers a range of pet cover, including:
Public Liability Only (dogs only)
The Insurance Emporium's Public Liability Only insurance protects you financially up to £1.5 million if your dog should cause damage to property or harm another individual. It does not provide vet fee cover for veterinary treatment due to illness or injury. You have the option to pay lunar monthly (every 28 days) or annually and the amount of cover differs depending which option you choose.
Accident-only
The Insurance Emporium's accident-only pet insurance covers the cost of veterinary treatment up to £3,000 per injury your pet sustains as a result of an accident. It does not cover the cost of treatment due to illness. You have the option to pay lunar monthly (every 28 days) or annually and the amount of vet fee cover differs depending which option you choose.
To find out more about accident-only pet insurance and how it works, read our article 'Accident-only pet insurance explained'.
Time-limited
The Insurance Emporium's time-limited pet insurance covers the cost of veterinary treatment up to £6,000 per illness or injury up until the set limit or for a set period of time (365 days from the date the condition, illness or injury first showed clinical signs). For example, your pet will be insured up to £6,000 per condition for a period of 365 days or up until the £6,000 limit is reached. The Insurance Emporium has three time-limited pet insurance policies Bronze, Silver and Gold with the option to pay lunar monthly (every 28 days) or annually. The policy features differ slightly depending which option you choose.
To find out more about time-limited pet insurance and how it works, read our article 'Time-limited pet insurance explained'.
Maximum Benefit
The Insurance Emporium's maximum benefit pet insurance covers the cost of veterinary treatment up to £7,500 per illness or injury. For example, your pet will be insured for up to £7,500 per condition. There is no time limit on this policy and therefore each condition is covered until the cost limit of £7,500 is reached as long as the policy is in place. The Insurance Emporium has three maximum benefit pet insurance policies ranging from Bronze, Silver and Gold with the option to pay lunar monthly (every 28 days) or annually. The policy features differ slightly depending which option you choose.
You can find out more about maximum benefit pet insurance in our article, 'Maximum benefit pet insurance explained'.
Lifetime
Insurance Emporium's offers two types of lifetime pet insurance; annual limit and annual condition limit. Annual limit lifetime pet insurance covers your pet for a set amount per year and the cover then renews annually, even if you have made a claim. Annual condition limit lifetime pet insurance covers your pet for a set amount per condition per year. The level of veterinary fee cover then renews again the following policy year, even if you have made a claim.
Insurance Emporium's annual condition limit lifetime insurance covers the cost of veterinary treatment up to an annual amount of £8,000 per illness or injury. So your pet will be insured for up to £8,000 per condition per year and the limit will renew each year for the duration of the policy. Alternatively, you can also get annual limit lifetime pet insurance with cover up to £6,000 per year. This means that you can claim for multiple conditions until the £6,000 limit is met, after this you will need to self-fund any additional treatment until the limit renews the following year.
The Insurance Emporium has seven lifetime pet insurance policies ranging from Bronze to Palladium with the option to pay Lunar monthly (every 28 days) or annually. There is also an option for annual policies with monthly payments and the policy features differ slightly depending which option you choose.
To find out more about lifetime pet insurance, read our article 'Lifetime pet insurance explained'.
The Insurance Emporium policy types
The Insurance Emporium has a large range of pet insurance policies to choose from and in the below comparison tables, we summarise the level of cover you can expect from the varying Insurance Emporium pet insurance policies. If you choose to pay your premium annually there is a lower level of vet fee cover for each of the policies. For example, the Lifetime Gold policy chosen to be paid lunar monthly (every 28 days) has £8,000 of vet fee cover per condition but if you choose an annual policy there is only £6,500 of vet fee cover per condition.
A comparison of The Insurance Emporium pet insurance policies
The following tables illustrate the different types of policies The Insurance Emporium offers and how the cover differs depending on whether you choose to pay your premium lunar monthly (every 28 days) or annually. The insurance product information for each policy states that you can pay for each policy either lunar monthly, monthly or annually however this is not clear on the website or when obtaining quotes except for the Lifetime Copper, Zinc, Titanium and Palladium policies.
The Insurance Emporium lifetime pet insurance policy comparison
(scroll for full table)
| Vet fee cover | Death of pet |
Boarding fee cover | Holiday cancellation cover | Loss or theft |
Advertising & reward | Accidental damage | Personal accident | Third -party liability | |
| Lifetime Bronze¹ | £2,500 per condition | £1,000 | £750 | £1,250 | £1,000 | £750 | £700 | £150 | £1.5m |
| Lifetime Silver¹ | £5,000 per condition | £1,250 | £1,000 | £1,500 | £1,250 | £800 | £750 | £200 | £1.5m |
| Lifetime Gold¹ | £8,000 per condition | £1,500 | £1,250 | £1,750 | £1,500 | £850 | £800 | £250 | £1.5m |
| Lifetime Bronze (annual)² | £2,000 per condition | £750 | £500 | £1,000 | £750 | £600 | £500 | £100 | £1m |
| Lifetime Silver (annual)² | £4,500 per condition | £1,000 | £750 | £1,250 | £1,000 | £650 | £600 | £150 | £1m |
| Lifetime Gold (annual)² | £6,500 per condition | £1,250 | £1,000 | £1,500 | £1,250 | £700 | £650 | £200 | £1m |
| Lifetime Copper³ | £2,000 per year | £750 | £500 | £750 | £750 | £500 | £500 | None | £1m |
| Lifetime Zinc³ | £3,000 per year | £750 | £500 | £750 | £750 | £500 | £500 | None | £1m |
| Lifetime Titanium³ | £4,000 per year | £750 | £500 | £750 | £750 | £500 | £500 | None | £1m |
| Lifetime Palladium³ | £6,000 per year | £750 | £500 | £750 | £750 | £500 | £500 | None | £1m |
¹Premium is paid Lunar monthly (every 28 days) and cover renews every 28 days
²Annual premium and cover renews annually
³Annual premium which can be paid monthly or annually and cover renews annually
The Insurance Emporium maximum benefit pet insurance policy comparison
(scroll for full table)
| Vet fee cover | Death of pet |
Boarding fee cover | Holiday cancellation cover | Loss or theft |
Advertising & reward | Accidental damage | Personal accident | Third -party liability | |
| Maximum benefit Bronze¹ | £2,000 per condition | £1,000 | £750 | £1,250 | £1,000 | £750 | £700 | £150 | £1.5m |
| Maximum benefit Silver¹ | £4,500 per condition | £1,250 | £1,000 | £1,500 | £1,250 | £800 | £750 | £200 | £1.5m |
| Maximum benefit Gold¹ | £7,500 per condition | £1,500 | £1,250 | £1,750 | £1,500 | £850 | £800 | £250 | £1.5m |
| Maximum benefit Bronze (annual)² | £1,500 per condition | £750 | £500 | £1,000 | £750 | £600 | £500 | £100 | £1m |
| Maximum benefit Silver (annual)² | £4,000 per condition | £1,000 | £750 | £1,250 | £1,000 | £650 | £600 | £150 | £1m |
| Maximum benefit Gold (annual)² | £6,000 per condition | £1,250 | £1,000 | £1,500 | £1,250 | £700 | £650 | £200 | £1m |
¹Premium is paid Lunar monthly (every 28 days)
²Premium is paid annually
The Insurance Emporium time-limited pet insurance policy comparison
(scroll for full table)
| Vet fee cover | Death of pet |
Boarding fee cover | Holiday cancellation cover | Loss or theft |
Advertising & reward | Accidental damage | Personal accident | Third -party liability | |
| Time-Limited Bronze¹ | £1,500 per condition | £1,000 | £750 | £1,250 | £1,000 | £750 | £700 | £150 | £1.5m |
| Time-Limited Silver¹ | £4,000 per condition | £1,250 | £1,000 | £1,500 | £1,250 | £800 | £750 | £200 | £1.5m |
| Time-Limited Gold¹ | £6,000 per condition | £1,500 | £1,250 | £1,750 | £1,500 | £850 | £800 | £250 | £1.5m |
| Time-Limited Bronze (annual)² |
£1,000 per condition | £750 | £500 | £1,000 | £750 | £600 | £500 | £100 | £1m |
| Time-Limited Silver (annual)² |
£3,500 per condition | £1,000 | £750 | £1,250 | £1,000 | £650 | £600 | £150 | £1m |
| Time-Limited Gold (annual)² |
£5,000 per condition | £1,250 | £1,000 | £1,500 | £1,250 | £700 | £650 | £200 | £1m |
¹Premium is paid Lunar monthly (every 28 days)
²Premium is paid annually
The Insurance Emporium accident-only and liability-only pet insurance policy comparison
(scroll for full table)
| Vet fee cover | Death of pet |
Boarding fee cover | Holiday cancellation cover | Loss or theft |
Advertising & reward | Accidental damage | Personal accident | Third -party liability | |
| Accident-Only¹ | £3,000 per injury | None | None | None | None | None | None | None | None |
| Accident-Only (annual)² | £2,500 per injury | None | None | None | None | None | None | None | None |
| Public Liability Only¹ | None | None | None | None | None | None | None | None | £1.5m |
| Public Liability Only (annual)² | None | None | None | None | None | None | None | None | £1m |
¹Premium is paid Lunar monthly (every 28 days)
²Premium is paid annually
Optional benefits
You can choose additional benefits to enhance your policy and these can be added to your policy when you fill out the details for an online quote. They cannot be added to the Public Liability, Accident Only and the Lifetime Copper, Zinc, Titanium and Palladium policies. The additional benefits you can choose to add to your policy, at a small additional cost, are as follows:
European cover
Up to 100 days of cover for vet fees, death, straying or theft in Europe. Up to £1,000 of quarantine cover and replacement pet travel documents and up to £500 pet repatriation costs.
Euthanasia and cremation
Up to £200 towards the cost of euthanasia and cremation of your pet if they are ill or injured if your pet is under the age of 8 years old.
The Insurance Emporium policy exclusions
In the following section, we list the most common exclusions in The Insurance Emporium pet insurance policies. This is not a definitive list of exclusions and you will need to check the policy documents carefully before taking out any pet insurance policy.
The Insurance Emporium will not pay out a claim for the following:
- The policy excess
- Pre-existing conditions
- Any illness or condition that started in the first 14 days of your policy
- Any cost of treatment not evidenced by a receipt or invoice
- Death that occurs more than a year after the first signs of the condition
- Pet theft where there are no signs of forcible or violent entry
- Pets used in any trade or business
- Certain breeds of dogs, the full list of excluded breeds is on their website
How much does The Insurance Emporium pet insurance cost?
We have gathered quotes for pet insurance for a 1-year-old dog (medium-sized mongrel) and cat (moggy) with no underlying health conditions and living in a South East postcode. How much you pay for your pet insurance policy can vary depending on a number of factors including the breed of pet you insure and where you live. For more information on what affects the cost of pet insurance read our article '7 factors that affect the cost of pet insurance'. It is worth remembering that all these quotes include an introductory discount of 20%
The Insurance Emporium Annual Condition Limit Lifetime policy cost comparison
| 1-year-old dog | 1-year-old cat | |
| Excess | £155 | £175 |
| Co-payment | 10% up to £20,000 and 25% thereafter for pets under 8 years old 25% for pets over 8 years old |
10% up to £20,000 and 25% thereafter for pets under 8 years old 25% for pets over 8 years old |
| Lifetime Bronze (£2,500 per condition per year) | £12.56 per lunar month¹ | £9.77 per lunar month¹ |
| Lifetime Silver (£5,000 per condition per year) | £19.57 per lunar month¹ | £15.66 per lunar month¹ |
| Lifetime Gold (£8,000 per condition per year) | £22.60 per lunar month¹ | £17.77 per lunar month¹ |
| Lifetime Bronze Annual (£2,000 per condition per year) | £125.62 per year | £97.70 per year |
| Lifetime Silver Annual (£4,500 per condition per year) | £195.67 per year | £156.66 per year |
| Lifetime Gold Annual (£6,500 per condition per year) | £225.98 per year | £177.64 per year |
(Quotes correct as of 20/05/26) ¹every 28 days
The Insurance Emporium Annual Limit Lifetime policy cost comparison
These policies have the option to pay annually or monthly with no difference in the cover provided.
| 1-year-old dog (annual cost) | 1-year-old cat (annual cost) | |
| Excess | £180 | £180 |
| Lifetime Copper (£2,000 per year) | £116.06 | £90.24 |
| Lifetime Zinc (£3,000 per year) | £148.42 | £117.50 |
| Lifetime Titanium (£4,000 per year) | £180.86 | £144.77 |
| Lifetime Palladium (£6,000 per year) | £208.80 | £164.16 |
(Quotes correct as of 20/05/26)
The Insurance Emporium Maximum Benefit policy cost comparison
| 1-year-old dog | 1-year-old cat | |
| Excess | £145 | £155 |
| Maximum Benefit Bronze (£2,000 per condition) | £9.73 per lunar month¹ | £8.85 per lunar month¹ |
| Maximum Benefit Silver (£4,500 per condition) | £17.44 per lunar month¹ | £11.17 per lunar month¹ |
| Maximum Benefit Gold (£7,500 per condition) | £20.30 per lunar month¹ | £15.45 per lunar month¹ |
| Maximum Benefit Bronze Annual (£1,500 per condition) | £97.27 per year | £85.50 per year |
| Maximum Benefit Silver Annual (£4,000 per condition) | £174.39 per year | £111.65 per year |
| Maximum Benefit Gold Annual (£6,000 per condition) | £202.98 per year | £154.50 per year |
(Quotes correct as of 20/05/26) ¹every 28 days
The Insurance Emporium Time Limited policy cost comparison
| 1-year-old dog | 1-year-old cat | |
| Excess | £145 | £155 |
| Time Limited Bronze (£1,500 per condition) | £6.86 per lunar month¹ | £6.19 per lunar month¹ |
| Time Limited Silver (£4,000 per condition) | £13.88 per lunar month¹ | £9.06 per lunar month¹ |
| Time Limited Gold (£6,000 per condition) | £17.78 per lunar month¹ | £12.47 per lunar month¹ |
| Time Limited Annual (£1,000 per condition) | £68.53 per year | £61.95 per year |
| Time Limited Annual (£3,500 per condition) | £138.82 per year | £90.54 per year |
| Time Limited Annual (£5,000 per condition) | £177.82 per year | £124.74 per year |
Quotes correct as of 20/05/26) ¹every 28 days
The Insurance Emporium Accident only policy cost comparison
| 1-year-old dog | 1-year-old cat | |
| Excess | £95 | £95 |
| Accident only (£3,000 per injury) | £5.58 per lunar month¹ | £4.46 per lunar month¹ |
| Accident only Annual (£2,500 per injury) | £55.72 per year | £44.56 |
(Quotes correct as of 20/05/26) ¹every 28 days
The Insurance Emporium Public Liability policy cost comparison
| 1-year-old dog | 1-year-old cat | |
| Excess | £250 | Not available |
| Public Liability (up to £1.5 million) | £4.74 per lunar month¹ | Not available |
| Public Liability Annual (up to £1 million) | £47.46 | Not available |
(Quotes correct as of 20/05/26). ¹every 28 days
The Insurance Emporium policy excess
The Insurance Emporium has a policy excess that is payable when you make a claim and is subject to change each year along with the premium. The policy excess varies depending on the policy you pick, the level of cover you choose and the type and breed of your pet. An example of the policy excesses can be seen in the above tables, but these are based on mixed-breed dogs and cats and so may vary depending on the breed.
The Insurance Emporium's Lifetime Bronze, Silver and Gold policies have a percentage co-payment payable in addition to the policy excess. A co-payment is a percentage contribution towards the vet fees when you make a claim. This is 10% of the veterinary fees up until the total amount of fees claimed reaches £20,000, a 25% co-payment is required thereafter for pets under 8 years old.
For pets over the age of 8, a co-payment of 25% is required on the Accident only, Time Limited, Maximum Benefit and all the Lifetime policies.
How to make a claim with The Insurance Emporium
If you want to claim on your Insurance Emporium pet policy you can do so via the 'My Emporium' portal. Simply fill out the claim form and submit to start the claims process. Alternatively you can download the form and send it via send it via the following methods:
- Email: [email protected]
- Post: The Insurance Emporium, Thorpe Underwood Hall, Ouseburn, York, YO26 9SS.
You should receive acknowledgement of your claim within 2 working days and then your claim will be assessed and dealt with as quickly as possible. Your claim will be paid via BACS transfer if the details are held on file, if not, your claim will be paid by cheque which will take longer.
The Insurance Emporium customer reviews
The Insurance Emporium has a Trustpilot rating of 4.3 out of 5.0 stars from over 10,500 reviews. 75% of customers have rated it as 'Excellent' citing a quick and hassle-free claims process as well as great customer service. 9% rated it as 'Bad' with customers complaining about the time it takes for claims to be paid and lack of clarity within the policy documentation which resulted in claims not being paid out.
Alternatives to The Insurance Emporium pet insurance
In this section of the review, we compare Agria pet insurance to two of its competitors Agria* and Animal Friends.
You can also compare pet insurance via a comparison site such as MoneySuperMarket*. Comparison sites allow you to easily compare a multitude of pet insurance providers to find a policy that suits your pet. One thing to consider is that not all comparison sites are whole of market so you may be able to get a better deal elsewhere with a provider that does not feature on comparison sites such as Petplan. Our article, 'Best pet insurance in the UK in 2026' compares some of the best pet insurance providers.
Agria
Agria* differs from The Insurance Emporium by only offering lifetime insurance, however the cover levels go up as high as £20,000 per year. It is one of the more expensive providers of pet insurance but has an impressive Trustpilot score of 4.8 out of 5 and also boasts an 98% pay-out rate on claims (based on claims in 2025). You can pay for your insurance premium monthly at no extra cost and there is a multi-pet discount of 5%. Agria doesn't provide cover for pre-existing conditions and also impose a compulsory co-payment as your pet ages. There is also the option to pay a voluntary co-payment of either 10% or 20% to help reduce the cost of your premium. More information can be found in our independent Agria pet insurance review.
Animal Friends
Animal Friends offers every type of pet insurance except a stand alone public liability cover, with vet fee cover up to £18,000 per year and a range of excess options. There is no upper age limit for taking out new policies with Animal Friends, however there is a compulsory co-payment as your pet ages (20% when your dog turns 8 and your cat turns 10). Animal Friends do not cover pre-existing conditions nor offer a multi-pet discount. You do have the option to choose from several excess options to tailor the policy to suit your budget. More information can be found in our independent Animal Friends pet insurance review.
The Insurance Emporium vs Agria vs Animal Friends
| The Insurance Emporium | Agria* | Animal Friends | |
| Policies offered | Annual limit lifetime, annual limit per condition lifetime, maximum benefit, time-limited, accident only and public liability | Annual limit lifetime | Annual limit lifetime, annual limit per condition lifetime, maximum benefit, time-limited and accident only |
| Option to pay no excess | No | No | No |
| Compulsory co-payment | Yes (policy and age dependent) | Yes (age and breed dependent) | Yes (20% when your dog turns 8 and cat turns 10) |
| Upper age limit for taking out a new policy | No | No | No |
| Covers pre-existing conditions | No | No | No |
| Offers multi-pet discount | Yes | Yes | No |
| Vet video calls | No | Yes | Yes |
| Trustpilot score | 4.3 out of 5.0 | 4.8 out of 5.0 | 4.6 out of 5.0 |
| More information | Agria pet insurance review | Animal Friends pet insurance review |
If you are looking for pet insurance that covers pre-existing conditions then we recommend our article, 'Best pet insurance for pre-existing conditions'.
The Insurance Emporium pros and cons
The Insurance Emporium pet insurance pros
- Multiple policies to choose from
- 20% introductory discount
- 10% multi-pet discount
- Insurance for senior pets
The Insurance Emporium pet insurance cons
- Compulsory co-payment on Lifetime Bronze, Silver and Gold policies and for pets over 8 years old, a 25% co-payment is required on all policies (excluding public liability only)
- No vet video/phone line
- No option to pay your vet directly for any claim
Summary
The Insurance Emporium has a vast range of pet insurance policies to choose from so it is likely you will find a policy to suit your needs. You can also choose to add additional extras to your policy such as cover for euthanasia and cremation or cover when travelling to Europe. Unlike the majority of pet insurance providers it does not provide a 24/7 vet phone or video chat line which can prevent unnecessary trips to your vets nor does it offer the opportunity to pay your vet directly should you need to make a claim. For the range of cover, the cost of the monthly premiums is competitive in comparison to other providers. There is, however, a compulsory co-payment on some lifetime pet insurance policies (and all policies for pets over 8) which means that you have to pay a percentage of the vet fees in addition to the excess on the policy. The Insurance Emporium offers a generous introductory discount but it is worth bearing in mind this doesn't apply on renewal so your premium is likely to increase significantly.
As with all pet insurance policies it is advisable to shop around to ensure you are getting the best cover for your pet. Our article, 'Best pet insurance in the UK in 2026' compares some of the best pet insurance providers in the UK.
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