Emerald Pet Insurance Review

Emerald Pet Insurance Review

Reviewed by:

Choosing the right Pet Insurance is extremely important, as the wrong choice now could have severe financial consequences later and comparing numerous policy terms and conditions can be daunting.

Our independent rating and review highlights the important points we think you should know about when choosing an insurance policy to cover your pet.

Once you have read this review of Emerald Pet and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Emerald Pet Insurance

Emerald Pet Insurance Reviewed by Jonathan 09/10/20.

Emerald Life was established by Steve Wardlaw, with the aim of providing equality to the LGBT community in their dealings with Insurance, Financial services and healthcare.

Emerald Life offer four different types of pet insurance, two of which have been awarded five stars.

EmeraldPet is a trading name of Sterling Client Services Ltd who are authorised and regulated by the Financial Conduct Authority and who arrange and administer pet insurance. Emerald Pet Insurance is underwritten by Covea Insurance Plc, who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Covea Insurance Plc and Sterling Client Services Ltd are part of the same group of companies.

How to Buy Pet Insurance from Emerald Pet

Click on the website link to go directly to the insurance providers website. Visit Emerald Pet's Website and Get a Quotation direct

How Emerald Pet Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Emerald Pet.

Dog Policy Ratings Click to Expand

We have reviewed 4 Dog Policies from Emerald Pet Insurance. They are - Vets Fees £7,500 - Vets Fees £6,000 - Vets Fees £3,000 - Vet Fees £1,000. We have rated these as follows:-

Rating for Dog Vets Fees £7,500:

Rating for Dog Vets Fees £6,000:

Rating for Dog Vets Fees £3,000:

Rating for Dog Vet Fees £1,000:

Emerald Dog Insurance Review

Rabbit Policy Ratings Click to Expand

found no policies available for this section.

Emerald Rabbit Insurance Review

Cat Policy Ratings Click to Expand

We have reviewed 4 Cat Policies from Emerald Pet Insurance. They are - Vets Fees £7,500 - Vets Fees £6,000 - Vets Fees £3,000 - Vet Fees £1,000. We have rated these as follows:-

Rating for Cat Vets Fees £7,500:

Rating for Cat Vets Fees £6,000:

Rating for Cat Vets Fees £3,000:

Rating for Cat Vet Fees £1,000:

Emerald Cat Insurance Review
  • Policies must provide cover for all core sections and all secondary sections.
  • Vets Fees - Policies must provide a minimum maximum benefit of £6,000, or £4,000 per condition and cover either;
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. A maximum benefit per year with a lifetime renewal guarantee.
  • Cruciate Ligaments - Damage to, or disease of the cruciate ligament is a common problem in animals. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £4,000.
  • MRI/CT Scans - If your pet suffers from seizures, paralysis or back problems, your vet may recommend an MRI scan. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £2,000.
  • Euthanasia - If your pet needs to be put to sleep to alleviate further suffering, policies must cover this. A policy must offer at least £100 to cover the cost of euthanasia.
  • Complementary treatments ? The industry average for complementary treatments such as physiotherapy is £1,000. Five star policies have at least this amount of cover.
  • Prescribed Food - All five star policies must cover the cost of prescription food (to treat bladder stones) up to at least £100
  • Dental treatment - Dental treatment for accidents of at least £500.
  • Loss of your Pet - The industry average benefit for loss of your pet due to accident, illness, theft or straying is £1,000. All policies must offer at least this amount.
  • Compulsory excesses - The industry average for the age at which additional compulsory excesses are charged is 6. All five star policies will not charge an additional compulsory excess until at least this age.
  • Five-star policies may provide additional service and cover benefits over and above standard policies.
  • Premiums are competitive in relation to the cover provided.
  • Five-Star policies have clear and consumer friendly, wording and explanations of cover.
  • The standard excess is equal or lower than the £100 market average.
  • Four-star policies cover all core sections and secondary sections under a pet insurance policy.
  • Four-Star policies offer Veterinary Fees cover that are above the market average and provide either
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. A maximum benefit per year with a lifetime renewal guarantee.
  • Four-star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four-star policies may provide additional cover benefits.
  • Premiums are competitive in relation to the cover provided.
  • Four-star policies have clear and consumer friendly wording and explanations of cover.
  • Three star policies cover all core sections, but may not offer all secondary sections of cover.
  • Three star policies cover veterinary fees that may be lower than the market average and provide either
  1. A maximum limit per condition limited to 12 months
  2. A maximum benefit limited to 12 months.
  3. A maximum benefit per condition no renewal guarantee
  4. A maximum limit per condition with a lifetime renewal guarantee; or
  5. A maximum benefit per year with a lifetime renewal guarantee.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies have some secondary covers lower than the market average.
  • Three star policies may not have all the features and benefits of a four or five star policy.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have core and secondary sections of cover missing from their policies.
  • Two star policies cover veterinary fees cover that are below the market average and provide either
  1. Accident only cover,
  2. A maximum limit per condition limited to 12 months,
  3. A maximum benefit limited to 12 months,
  4. A maximum benefit per condition no renewal guarantee,
  5. A maximum limit per condition with a lifetime renewal, guarantee; or
  6. A maximum benefit per year with a lifetime renewal guarantee.
  • Two star policies may have sections of cover missing.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess can be higher than the market average.
  • Policy wordings may not be as consumer friendly as other Insurers and contain more terms and conditions

Key Points you need to know about Emerald Pet's policy wording

1. What are the eligibility criteria for Pet Insurance?

You must be the owner and keeper of the pet who lives with you.

You must be a resident of the United Kingdom and it must be where your main residence is situated.

Your pet should be in good health and free from any injury or illness and vaccinated against. (Dogs: distemper, hepatitis, leptospirosis and parvovirus. Cats: feline infectious enteritis, feline leukaemia and cat flu).

Your dog must not have shown any aggressive tendencies in the past.

You must take care of your pet, which includes arranging and paying for any treatment normally recommended by your vet to prevent or reduce the risk of illness or injury, including routine dentistry.

Your pet must be older than 8 weeks of age at the start of the policy.

2. What type of policies do they offer?

Emerald offer four policies, the only difference between the four being the amount of vets fees covered.

Choose between vets fees cover up to a maximum benefit of £1,000, £3,000, £6,000, £7,500, which you can claim for ongoing conditions so long as you continue to insure and cover continues to be made available to you.

 

3. What's not covered?

This is a list of the most important exclusions. Emerald Pet Insurance does not cover;

  1. Treatment that your vet recommends to prevent illness or injury.
  2. Routine blood and urine tests
  3. The cost of vaccinations, spaying, castration, retained testicles.
  4. The cost of killing or controlling fleas, general health enhancers and unconventional or unlicensed treatment.
  5. Treatment connected to Rabies, Avian Influenza or any variant.
  6. Costs resulting from training, behavioural or sex hormonal problems unless directly resulting from a valid claim.
  7. The cost of house/out of hours calls or hospitalisation, unless your vet confirms it is absolutely essential.
  8. The cost of purchasing or hiring equipment such as harnesses, cages, carts and sharps containers.
  9. The following breeds; African Wild Dog, American Bulldog, American Indian Dog, American Pit Bull Terrier, American Rottweiler, American Staffordshire Terrier, Bandog, Boerboel, Bully Kutta, Canary Dog, Cane Corso, Chinese Shar-Pei Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiro, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Japanese Tosa, Pit Bull Terrier, Saarlooswolfhound, Tosa, Tosa Inu, Wolf Hybrid, Wolfdog, or any dog crossbred or mixed with any of these breeds, or any animal registered under the Dangerous Dogs Act 1991
  10. Dogs used for guarding, racing, personal protection or search and rescue purposes, working dogs or gun dogs or dogs that have been trained to attack or for security purposes (other than former police or military dogs).

4. Are complementary treatments covered?

Complementary treatments are covered under the Emerald Pet policy. The amount covered is 25% of the vet fee limit.

Complementary treatments are defined as Physiotherapy, acupuncture, homeopathy, osteopathy, hydrotherapy, chiropractic and alternative medicines recommended by or carried out by a vet or a person trained to do so.

You can also claim up to £200 per year for training and behavioural treatments which can be particularly useful if you have a young or re-homed pet.

5. Does the policy cover Prescription food and Dentistry?

Clinical diets are covered up to £200 and cover formulated diets prescribed by a vets as part of a treatment for a specific illness or condition. This does not include cover for a clinical diet prescribed for weight reduction.

The policy covers dentistry, provided that the cost relates to a specific illness or injury.

6. Are MRI/CT scans and Cruciate Ligament claims covered?

Both policies cover the cost of MRI/CT scans and cruciate ligament claims up to the vets fees limit.

7. Does the policy cover the cost of euthanasia?

Both policies cover the cost of putting your pet to sleep, but not the costs of cremation, burial or any post-mortem.

8. Can I cover more than one pet on the same policy?

Emerald Pet Insurance welcomes policies with more than one pet insured on it. They offer a 10% discount for every additional pet covered under the same policy.

9. Will the policy cover my pets pre-existing medical conditions?

Emerald Pet Insurance do not provide any cover for "Any condition, or complication directly resulting from or relating to
that condition that has been identified or investigated by a vet or that has the same diagnosis, clinical signs or symptoms as a condition known to you prior to the start of the insurance".

10. Will the policy cover my pet during pregnancy?

Emerald Pet Insurance specifically exclude any claim that relates to pregnancy, false pregnancy or giving birth, or where your pet is used for breeding purposes and any complications that arise.

11. Am I covered to take my pet abroad?

Pet cover abroad is an optional extra. If you choose to add this option you will be covered for any period of time up to a maximum of 60 days. The policy not only extends emergency vet fees cover abroad, but includes additional quarantine costs, emergency expenses, Loss of your pet passport, and reasonable costs for repeat worming if required.

To qualify, you must comply with the criteria set out by the Governments PETS scheme.

12. Is there a waiting period before I am covered?

Any illness that shows signs of, or started within the first 14 days of the policy is not covered.

13. How much of any claim do I have to pay?

In the event of a claim, you are required to pay the following excesses

Cats under the age of 8,  £85 per condition

Dogs under the age of 8, £100 per condition

Cats over the age of 8 £95 per condition

Dogs over the age of 8 £110 per condition

Holiday Cancellation £75

Third Party Liability £250

14. Am I required to make additional monetary contributions to any claim?

Once your pet reaches the age of 8, you will be required to contribute an additional 15% of any claim.

For example if your claim is for a 9 year old dog, costing £1,250, you will have to pay £110 plus 15% of the balance £171, total £281.00.

15. Website Navigation and online shopping experience

The front page provides some information on their policies and the options available, but it's not until you go to the frequently asked questions section that you are presented with more detailed policy information, "Jargon Buster" and policy wordings, which I found very helpful and wondered why this wasn't on the front page.

There is no live web chat available but you are able to phone the helpline if you need any assistance.

The quotation system has much more information and the quote themselves are nicely presented with access to the policy wording and a choice of the various options.

16. Is the policy wording easy to understand?

The Emerald Pet Insurance Policy wording is only 17 pages long. Headings have been colour coded and policy exceptions and exclusions are highlighted in grey.

A basic summary of cover and index help with the navigation.

During reading tests, overall the policy wording scored 52 out of 100, classed as fairly difficult to read. The reading age range was was 15 - 17, meaning that it should be read and understood by a person with a reading age of at least 15 - 17.

17. Is the Insurer listed on comparison sites?

We couldn't find Emerald Pet Insurance listed on any of the Comparison sites. If you would like a quote, visit their website direct.

18. Does the policy include a helpline?

The policy does not provide any helplines.

19. What do customer reviews say?

We were unable to find any meaningful customer reviews on Emerald Life's Pet Insurance policies.

20. Are there any administration charges?

We could not find any details of administration charges.

21. Are there any special discounts or promotions?

Emerald Life offer a first year discount of 10% using the online code EMERALD.

22. Overall Summary

Research suggests that Emerald Pet Insurance offer excellent value for money are very competitively priced for the high levels of cover provided. Even taking into account the optional extras. When these are removed, they are even more competitively priced. Great if you are someone looking to strip out all the extras, for just vet fees cover.

Even for older pets, although premiums are more expensive, Emerald Pet still offer good value.

 

Emerald Pet's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on emerald-pet-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Emerald compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Emerald Policies

We've highlighted Pro's and Cons for Emerald, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Emerald Pet.

  • 10% First Year Discount & 10% Multi Pet Discount
  • No upper age limit for quotes
  • Flexible Add-ons - Choose only the cover you need
  • Treatment for behavioural conditions up to £200
  • £6,000 and £7,500 limit policies awarded 5 stars
  • Claims must be notified within 30 days
  • No vet health helplines

What Cover do Emerald policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Vets Fees £7,500

    Dog

    Vets Fees £6,000

    Dog

    Vets Fees £3,000

    Dog

    Vet Fees £1,000

    Dog

    Vets Fees £7,500

    Cat

    Vets Fees £6,000

    Cat

    Vets Fees £3,000

    Cat

    Vet Fees £1,000

    Cat

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    100

    100

    100

    85

    85

    85

    85

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Per Condition Time Limited
    Per Condition Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Maximum Benefit Time Limited
    Maximum Benefit Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Maximum Benefit Per Condition
    Maximum Benefit Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Lifetime Per Condition
    Lifetime Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    7,500

    6,000

    3,000

    1,000

    7,500

    6,000

    3,000

    1,000

  • Dental
    Dental Explanation
    Cover Type Icon

    7,500

    6,000

    3,000

    1,000

    7,500

    6,000

    3,000

    1,000

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    0

    0

    0

    0

  • Third Party Liability Excess
    Third Party Liability Excess Explanation
    Cover Type Icon

    250

    250

    250

    250

    0

    0

    0

    0

  • Cruciate Ligament Rupture
    Cruciate Ligament Rupture Explanation
    Cover Type Icon

    7,500

    6,000

    3,000

    1,000

    7,500

    6,000

    3,000

    1,000

  • CT/MRI Scans
    CT/MRI Scans Explanation
    Cover Type Icon

    7,500

    6,000

    3,000

    1,000

    7,500

    6,000

    3,000

    1,000

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    150

    150

    150

    150

    150

    150

    150

    150

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    1,875

    1,500

    750

    250

    1,875

    1,500

    750

    250

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

    200

    200

    200

  • Emergency Boarding Fees
    Emergency Boarding Fees Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    7,500

    6,000

    3,000

    1,000

    7,500

    6,000

    3,000

    1,000

  • Loss of Pet Passport
    Loss of Pet Passport Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

    250

    250

  • Accidental Damage to Property
    Accidental Damage to Property Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

    500

    500

  • Personal Accident (Pets)
    Personal Accident (Pets) Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Cremation
    Cremation Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

Sample Quotes from Emerald Pet.

Listed below are some Sample Quotes offered by Emerald Pet

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Medium

Group: Mongrel

Emerald Travel Insurance Review
Product Rating

Experience Rating

Vets Fees £7,500

100

Lifetime Maximum Benefit 7,500

Complimentary Treatment 1,875

Dental 7,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Retriever (Golden)

Group: Gundog

Emerald Travel Insurance Review
Product Rating

Experience Rating

Vets Fees £6,000

100

Lifetime Maximum Benefit 6,000

Complimentary Treatment 1,500

Dental 6,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Medium

Group: Mongrel

Emerald Travel Insurance Review
Product Rating

Experience Rating

Vets Fees £3,000

100

Lifetime Maximum Benefit 3,000

Complimentary Treatment 750

Dental 3,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 1,000,000

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Moggie

Group: Moggie

Emerald Travel Insurance Review
Product Rating

Experience Rating

Vets Fees £7,500

85

Lifetime Maximum Benefit 7,500

Complimentary Treatment 1,875

Dental 7,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Moggie

Group: Moggie

Emerald Travel Insurance Review
Product Rating

Experience Rating

Vets Fees £7,500

85

Lifetime Maximum Benefit 7,500

Complimentary Treatment 1,875

Dental 7,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Moggie

Group: Moggie

Emerald Travel Insurance Review
Product Rating

Experience Rating

Vets Fees £7,500

85

Lifetime Maximum Benefit 7,500

Complimentary Treatment 1,875

Dental 7,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500