The Insurance Emporium Pet Insurance Review

The Insurance Emporium 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 The Insurance Emporium. and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are The Insurance Emporium Pet Insurance

The Insurance Emporium Pet Insurance reviewed by Jonathan 22/01/2021

The Insurance Emporium have a range of insurance products including Equine, Caravan, Wedding, Camera, Cycle and of course pet insurance and were Winners of the 2020 Moneyfacts Pet Insurance award and the Feefo Gold Trusted Service award.

The Insurance Emporium offer a wide selection of Accident Only, Time Limited, Maximum Benefit and Lifetime policies, something to suit all pets and customers.

The Insurance Emporium is a trading name of Entertainment & Leisure Insurance Services who are appointed representatives of The Equine and Livestock Insurance Company Limited. The Insurance Emporium's Pet Insurance is underwritten by The Equine and Livestock Insurance Company Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

How to Buy Pet Insurance from The Insurance Emporium.

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

How The Insurance Emporium 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 The Insurance Emporium..

Dog Policy Ratings Click to Expand

We have reviewed 20 Dog Policies from The Insurance Emporium Pet Insurance. They are - Maximum Benefit Gold Lunar Monthly - Maximum Benefit Silver Lunar Monthly - Maximum Benefit Gold Annual - Lifetime Gold Lunar Monthly - Maximum Benefit Silver Annual - Time Limited Bronze Lunar Monthly - Time Limited Gold Lunar Monthly - Maximum Benefit Bronze Annual - Lifetime Bronze Annual - Time Limited Bronze Annual - Lifetime Gold Annual - Lifetime Bronze Lunar Monthly - Lifetime Silver Annual - Time Limited Gold Annual - Time Limited Silver Annual - Time Limited Silver Lunar Monthly - Maximum Benefit Bronze Lunar Monthly - Lifetime Silver Lunar Monthly - Accident Only Lunar Monthly - Accident Only Annual. We have rated these as follows:-

Rating for Dog Maximum Benefit Gold Lunar Monthly:

Rating for Dog Maximum Benefit Silver Lunar Monthly:

Rating for Dog Maximum Benefit Gold Annual:

Rating for Dog Lifetime Gold Lunar Monthly:

Rating for Dog Maximum Benefit Silver Annual:

Rating for Dog Time Limited Bronze Lunar Monthly:

Rating for Dog Time Limited Gold Lunar Monthly:

Rating for Dog Maximum Benefit Bronze Annual:

Rating for Dog Lifetime Bronze Annual:

Rating for Dog Time Limited Bronze Annual:

Rating for Dog Lifetime Gold Annual:

Rating for Dog Lifetime Bronze Lunar Monthly:

Rating for Dog Lifetime Silver Annual:

Rating for Dog Time Limited Gold Annual:

Rating for Dog Time Limited Silver Annual:

Rating for Dog Time Limited Silver Lunar Monthly:

Rating for Dog Maximum Benefit Bronze Lunar Monthly:

Rating for Dog Lifetime Silver Lunar Monthly:

Rating for Dog Accident Only Lunar Monthly:

Rating for Dog Accident Only Annual:

The Insurance Emporium Dog Insurance Review

Rabbit Policy Ratings Click to Expand

found no policies available for this section.

The Insurance Emporium Rabbit Insurance Review

Cat Policy Ratings Click to Expand

We have reviewed 20 Cat Policies from The Insurance Emporium Pet Insurance. They are - Maximum Benefit Gold Annual - Lifetime Gold Lunar Monthly - Maximum Benefit Gold Lunar Monthly - Maximum Benefit Silver Lunar Monthly - Maximum Benefit Silver Annual - Time Limited Bronze Lunar Monthly - Lifetime Bronze Lunar Monthly - Maximum Benefit Bronze Annual - Lifetime Bronze Annual - Time Limited Bronze Annual - Maximum Benefit Bronze Lunar Monthly - Lifetime Silver Annual - Time Limited Silver Annual - Time Limited Gold Annual - Time Limited Gold Lunar Monthly - Lifetime Silver Lunar Monthly - Lifetime Gold Annual - Time Limited Silver Lunar Monthly - Accident Only Annual - Accident Only Lunar Monthly. We have rated these as follows:-

Rating for Cat Maximum Benefit Gold Annual:

Rating for Cat Lifetime Gold Lunar Monthly:

Rating for Cat Maximum Benefit Gold Lunar Monthly:

Rating for Cat Maximum Benefit Silver Lunar Monthly:

Rating for Cat Maximum Benefit Silver Annual:

Rating for Cat Time Limited Bronze Lunar Monthly:

Rating for Cat Lifetime Bronze Lunar Monthly:

Rating for Cat Maximum Benefit Bronze Annual:

Rating for Cat Lifetime Bronze Annual:

Rating for Cat Time Limited Bronze Annual:

Rating for Cat Maximum Benefit Bronze Lunar Monthly:

Rating for Cat Lifetime Silver Annual:

Rating for Cat Time Limited Silver Annual:

Rating for Cat Time Limited Gold Annual:

Rating for Cat Time Limited Gold Lunar Monthly:

Rating for Cat Lifetime Silver Lunar Monthly:

Rating for Cat Lifetime Gold Annual:

Rating for Cat Time Limited Silver Lunar Monthly:

Rating for Cat Accident Only Annual:

Rating for Cat Accident Only Lunar Monthly:

The Insurance Emporium 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 The Insurance Emporium.'s policy wording

1. What are the eligibility criteria for Pet Insurance?

Your pet must be more than 5 weeks old.
Your pet must be owned by you and living in the United Kingdom, Channel Islands or Isle of Man.
Your Pet must have a general health check and subsequent treatment recommended by the vet every 12 months, at your own cost.
Your dog must be kept in a secure area; any fences, gates and enclosures must be capable of restraining your dog and must be kept closed and locked at all times.
When Your dog is on a public highway, it must be on a collar and lead under control.
You must always take reasonable steps to prevent Accidents, Injury, Illness, loss and damage to your pet.
You must have your pet wormed regularly and protect it from infections or contagious disease by keeping it isolated.
You must also have your pet vaccinated against distemper, hepatitis, leptospirosis, parvovirus for dogs, kennel cough when entering a boarding kennel or show, and feline infections such as enteritis and cat flu for cats. You must also agree to have your pet vaccinated against any other disease your vet feels necessary.

2. What type of policies do they offer?

The Insurance Emporium offer four different types of cover these are;
Accident Only policies - A benefit covering vet fees of £3,000 per accident or injury only. Claims are paid for a maximum of 12 months beginning on the date your pet first displayed clinical signs or until the benefit limit has been reached.
Time Limited policies - A choice of benefit levels covering vet fees from £1,000 - £6,000 per condition depending on the level of cover and the yearly or lunar monthly offer you choose. Claims are paid for a maximum of 12 months beginning on the date your pet first displayed clinical signs or until the benefit limit has been reached.
Maximum Benefit policies - A choice of benefit levels covering vet fees from £1,500 - £7,500 per condition depending on the level of cover and the yearly or lunar monthly offer you choose. Claims continue to be paid until the benefit limit has been reached, even if this is longer than 12 months.
Lifetime Policies - A choice of benefit levels covering vet fees from £2,000 - £8,000 per condition depending on the level of cover and the yearly or lunar monthly offer you choose. The benefit limit is for 12 months but is reinstated each year allowing continuous claims to be paid, provided you have renewed the policy.

3. What's not covered?

Many complaints about pet insurance occur because a claim is refused or the settlement amount is less than the customer was expecting. Often this is due to a lack of understanding of the policy by the customer. It is essential that you read your policy wording carefully and understand the terminology.

We have produced a Pet Insurance Buyers Guide to help explain the different types of cover. We have also listed below the important exclusions that we think you should know about.

The Insurance Emporium does not cover;

  1. The costs for Routine, Cosmetic, or Preventative treatment recommended by your vet.
  2. Vaccinations, spaying, castration the removal of retained testicles or umbilical hernias.
  3. Trimming, scaling, polishing or the removal of deciduous teeth.
  4. Dematting, grooming or nail clipping.
  5. The killing and controlling of fleas.
  6. Any costs resulting from Your pet being overweight.
  7. Claims or costs arising from your pets vicious tendencies or behavioural problems, or as a result of worrying livestock.
  8. Costs incurred in undergoing diagnostic tests unless there is a clear symptom or clinical sign present.
  9. Cost of buying or hiring equipment (including baskets, cages, bedding or litter).
  10. The costs relating to prosthetic limbs and the fitting of prosthetic limbs except hip and/or elbow replacements, or your pet undergoing organ transplants.
  11. An Injury, Illness or condition which could have been detected earlier if you had taken your pet for an annual checkup.
  12. Death by illness or condition of any pet aged 8 years or over, (The Insurance Emporium will pay 50% for pets aged 6 years and over and 25% for neutered pets up to the age of 6 years.
  13. Death following your pet being pregnant or giving birth.
  14. Claims caused by your pet straying, escaping, damaging property, attacking the general public or other pets, if the pet has a history of doing this.
  15. Any claim as a result of any sexually transmitted disease, rabies, Aujesky's disease, leishmaniasis, epidemic outbreaks whether vaccinated against or not, or any notifiable disease.
  16. Your pet being used in any trade, profession or business.
  17. The following breeds; Any Greyhounds used for racing, American Bandog/Bandogge Mastiff/Pit Bull Mastiff, American Pit Bull Terrier/Pit Bull Terrier, American Staffordshire Bull Terrier, Argentine Dogo/Dogo Argentino/Argentine Mastiff, Cane Corso/Italian Mastiff, Czechoslovakian Wolfdog/Czechoslovakian Vicak, Dogue Brasileiro/Brazilian Dogo, Fila Brasileiro/Brazilian Mastiff, Irish Staffordshire Bull Terrier, Japanese Tosa/Japanese Mastiff/Tosa Inu, Korean Jindo, Perro De Presa Canario/Presa Canario/Canary Dog, Raccoon Dog, Sarloos Wolfhound/Saarloos Wolfdog, Wolf Hybrids and any dogs that are cross breeds/types of the above.

4. Are complementary treatments covered?

All policies apart from Accident Only cover Complementary Treatments, described as acupuncture, homeopathic or herbal medicines, hydrotherapy (a maximum of £250), laser treatment, physiotherapy or ultrasound.

Note: all Complementary Treatment must be carried out by a vet or a qualified practitioner (who is a member of a recognised association) recommended by your vet.

5. Does the policy cover Prescription food and Dentistry?

All Insurance Emporium Pet policies apart from accident only policies will contribute 30p per cat and 60p per dog to assist towards the cost difference between your pet’s normal diet and any special diet prescribed by, and only available from,
a vet vet as part of the treatment to dissolve bladder stones or crystals in urine up to a maximum of £100 per condition.

There is no cover for prescription diets

They will also contribute up to £90 for house calls/out of hours calls if your vet confirms that your pet was suffering from a life-endangering Injury, Illness or Condition.
Up to £40 towards hospitalisation fees. Note: there will be a fixed deduction of 10% from any recoverable hospitalisation costs claimed for under the policy to account for the normal cost of pet ownership such as housing, bedding and food.
Up to £20 per occasion towards the cost of interpretation fees.
Up to £45 for the costs of consultation fees for each separate visit to/by the Vet as a result of the Injury, Illness or Condition. The limit is increased to £90 for referral Vets.

There is no cover for costs as a result of tooth or gum disease.

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

All policies provide cover up to the vet fees limit MRI/CT scans and cruciate ligament claims.

Note bilateral conditions (a condition affecting body parts of which your pet has two) are considered one condition and therefore subject to one vet fee limit.

7. Does the policy cover the cost of euthanasia?

All policies apart from accident only policies cover up to £200 for the costs of putting your pet to sleep, cremation and disposal.

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

The Insurance Emporium offer a discount of 10% (over and above any introductory discount) if you insure more than one dog or cat under the same policy.

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

The Insurance Emporium do not cover pre-existing conditions which are described as;

"An injury or illness which first showed clinical signs, happened or existed before the commencement date of your policy or is the same as or has the same diagnosis as
or is caused by, related to or results from an injury, illness or clinical signs displayed before the commencement date of your policy".

10. Will the policy cover my pet during pregnancy?

All policies exclude the costs arising from your pet being pregnant, or in relation to giving birth including false pregnancies
breeding and any claims arising as a result of these procedures.

11. Am I covered to take my pet abroad?

Since leaving the European Union on the 1st January 2021, the Government PETS passport scheme is no longer valid. This has been replaced with an Animal Health Certificate, although the rules and regulations for taking your pet overseas are broadly the same.

The Insurance Emporium extends pet insurance to cover taking your pet abroad whilst in the continent of Europe for up to 100 days a year. Under this optional extension, vet fees cover is extended and additional cover is provided for quarantine expenses, loss of documents and emergency repatriation.

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

There is no cover for death, or costs for any illness or condition displaying clinical signs within 14 days of the commencement date of any new policy.

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

Each pet insurance policy has a fixed excess payable for each claim. They are as follows:
DOGS
Accident Only £75
Time Limited and Maximum Benefit Bronze £85
Time Limited and Maximum Benefit Silver £95
Time Limited and Maximum Benefit Gold £105
Lifetime Bronze £95
Lifetime Silver £105
Lifetime Gold £115
CATS
Accident Only £75
Time Limited and Maximum Benefit Bronze £95
Time Limited and Maximum Benefit Silver £105
Time Limited and Maximum Benefit Gold £115
Lifetime Bronze £115
Lifetime Silver £125
Lifetime Gold £135

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

In respect of all lifetime policies you are required to pay the fixed excess listed above and in addition a further 5% of any claim made.

For all types of policy, when your pet is 8 years of age or older you are required to pay an additional 15% of any claim made on top of the fixed excess.

15. Website Navigation and online shopping experience

The website offers users an explanation of the various levels of cover, together with a comprehensive comparison of cover and access to policy documentation.

There is a very helpful section on frequently asked questions. Although the Insurance Emporium do not operate live chat, you can phone, email or request a call back if you have any additional queries.

The quotation system is very simple to use and you are presented with all quote options and a breakdown of the cover and excess payable for each policy.

If you are a policyholder you will be able to log into your "Emporium Account" to view your policy, change your contact details and download a claim form.

16. Is the policy wording easy to understand?

There are separate policy documents for each type of cover and although they are short at 14 pages long, there is no summary of cover or index to help with navigation.

The layout is rudimentary with important words highlighted in black. In readability tests the policy wording scored 48.6 out of 100 and was classed as difficult to read with a reading age requirement of between 15 - 17 years of age. It is important that you read the policy carefully.

17. Is the Insurer listed on comparison sites?

The Insurance Emporium is listed on all the main comparison sites. All the policies are available, although in tests we found some premiums a bit more expensive that could be found direct on the Insurance Emporiums own website.

18. Does the policy include a helpline?

The Insurance Emporium operate a 24 hour vet helpline which is a phone vet service that allows you to speak to UK qualified veterinary nurses 24 hours a day, 365 days a year.

Policyholders also have access to a legal helpline, whose legal department will provide telephone advice concerning ownership of your pet.

19. What do customer reviews say?

The Insurance Emporium have received over 3200 reviews on trust pilot with an excellent rating of 4.5/5. Many of the five star reviews related to claims and were full of praise for the speed and ease of settlement.

20. Are there any administration charges?

If you pay your premiums by direct debit or credit/debit card and default on any payment, The Insurance Emporium will add a charge of £3.99 to your next payment.

If you wish to make a change to your policy after the first 14 days of policy inception or, if for any reason they reinstate your policy, a £10 administration fee applies to any amendments made. Any increase or improvement in cover will be subject to a 14 day deferment period.

Following the cancellation charge, no refund will be made of any amount equal to or less than £25.

21. Are there any special discounts or promotions?

The Insurance Emporium offer new policyholder a 20% discount when pet insurance is purchased online through their website.

22. Overall Summary

The Insurance Emporium's polices are extremely competitive price wise across the board and feature heavily in our best insurance breed guides.

They operate a UK based claims department and although they cannot accept liability on a claim until they are in receipt of a completed claim form, and full medical history from your vet, the majority of customers appear to have received a high level of service in this area.

We should clarify the difference between Yearly and Lunar Monthly policies

Yearly - runs for 365 days from the commencement date and automatically renews annually. Sums insured and Premiums are a bit lower than the Lunar policy.

Lunar Monthly - runs for and premiums are collected on equal periods of 28 days. Policies automatically renews every 28 days, premium and sums insured are a bit higher, compared to the yearly policy.

We recommend comparing both types of policy for levels of cover against price, to decide which is more suitable for you.

Policy excesses are slightly higher than the market average and Lifetime policies do require a 5% contribution to claims in addition to the fixed excess, but this should be balanced against very competitive premiums.

Overall an excellent set of policies (Gold Maximum Benefit Lunar policy awarded five stars) and a good service provided by the company.

The Insurance Emporium.'s Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on insurance-emporium-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 The Insurance Emporium 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 The Insurance Emporium Policies

We've highlighted Pro's and Cons for The Insurance Emporium, 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 The Insurance Emporium..

  • Introductory online discount of 20% for new policyholders.
  • Multi-pet discount of 10%.
  • Maximum Benefit Gold Lunar policy awarded 5 stars.
  • Euthanasia and Burial/Cremation costs cover up to £200.
  • Accidental damage to property and Personal Accident Cover.
  • Waiver of Premium cover.
  • Lifetime policies require an additional contribution of 5% towards any claim.
  • No cover for behavioural conditions.
  • No cover for tooth or gum disease.

What Cover do The Insurance Emporium 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

    Maximum Benefit Gold Lunar Monthly

    Dog

    Maximum Benefit Silver Lunar Monthly

    Dog

    Maximum Benefit Gold Annual

    Dog

    Lifetime Gold Lunar Monthly

    Dog

    Maximum Benefit Silver Annual

    Dog

    Lifetime Silver Lunar Monthly

    Dog

    Maximum Benefit Bronze Lunar Monthly

    Dog

    Time Limited Silver Lunar Monthly

    Dog

    Time Limited Silver Annual

    Dog

    Time Limited Gold Annual

    Dog

    Lifetime Silver Annual

    Dog

    Lifetime Bronze Lunar Monthly

    Dog

    Lifetime Gold Annual

    Dog

    Time Limited Bronze Lunar Monthly

    Dog

    Time Limited Gold Lunar Monthly

    Dog

    Maximum Benefit Bronze Annual

    Dog

    Lifetime Bronze Annual

    Dog

    Time Limited Bronze Annual

    Dog

    Accident Only Lunar Monthly

    Dog

    Accident Only Annual

    Dog

    Maximum Benefit Gold Annual

    Cat

    Lifetime Gold Lunar Monthly

    Cat

    Maximum Benefit Gold Lunar Monthly

    Cat

    Maximum Benefit Silver Lunar Monthly

    Cat

    Maximum Benefit Silver Annual

    Cat

    Time Limited Silver Lunar Monthly

    Cat

    Lifetime Gold Annual

    Cat

    Lifetime Silver Lunar Monthly

    Cat

    Time Limited Gold Lunar Monthly

    Cat

    Time Limited Gold Annual

    Cat

    Time Limited Silver Annual

    Cat

    Lifetime Silver Annual

    Cat

    Maximum Benefit Bronze Lunar Monthly

    Cat

    Time Limited Bronze Lunar Monthly

    Cat

    Lifetime Bronze Lunar Monthly

    Cat

    Maximum Benefit Bronze Annual

    Cat

    Lifetime Bronze Annual

    Cat

    Time Limited Bronze Annual

    Cat

    Accident Only Annual

    Cat

    Accident Only Lunar Monthly

    Cat

Primary Cover toggle

  • Policy Excess
    Policy Excess

    105

    95

    105

    115

    95

    105

    85

    95

    95

    105

    105

    95

    115

    85

    105

    85

    95

    85

    75

    75

    115

    135

    115

    105

    105

    105

    135

    125

    115

    115

    105

    125

    95

    95

    115

    95

    115

    95

    75

    75

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

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    3,000

    2,500

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    2,500

    3,000

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

    0

    0

    0

    0

    0

    0

    0

    4,000

    3,500

    5,000

    0

    0

    0

    1,500

    6,000

    0

    0

    1,000

    0

    0

    0

    0

    0

    0

    0

    4,000

    0

    0

    6,000

    5,000

    3,500

    0

    0

    1,500

    0

    0

    0

    1,000

    0

    0

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

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

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

    7,500

    4,500

    6,000

    0

    4,000

    0

    2,000

    0

    0

    0

    0

    0

    0

    0

    0

    1,500

    0

    0

    0

    0

    6,000

    0

    7,500

    4,500

    4,000

    0

    0

    0

    0

    0

    0

    0

    2,000

    0

    0

    1,500

    0

    0

    0

    0

  • Lifetime Per Condition
    Lifetime Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    8,000

    0

    5,000

    0

    0

    0

    0

    4,500

    2,500

    6,500

    0

    0

    0

    2,000

    0

    0

    0

    0

    8,000

    0

    0

    0

    0

    6,500

    5,000

    0

    0

    0

    4,500

    0

    0

    2,500

    0

    2,000

    0

    0

    0

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Dental
    Dental Explanation
    Cover Type Icon

    7,500

    4,500

    6,000

    8,000

    4,000

    5,000

    2,000

    4,000

    3,500

    5,000

    4,500

    2,500

    6,500

    1,500

    6,000

    1,500

    2,000

    1,000

    0

    0

    6,000

    8,000

    7,500

    4,500

    4,000

    4,000

    6,500

    5,000

    6,000

    5,000

    3,500

    4,500

    2,000

    1,500

    2,500

    1,500

    2,000

    1,000

    0

    0

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    1,500

    1,250

    1,250

    1,500

    1,000

    1,250

    1,000

    1,250

    1,000

    1,250

    1,000

    1,000

    1,250

    1,000

    1,500

    750

    750

    750

    0

    0

    1,250

    1,500

    1,500

    1,250

    1,000

    1,250

    1,250

    1,250

    1,500

    1,250

    1,000

    1,000

    1,000

    1,000

    1,000

    750

    750

    750

    0

    0

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    1,500

    1,250

    1,250

    1,500

    1,000

    1,250

    1,000

    1,250

    1,000

    1,250

    1,000

    1,000

    1,250

    1,000

    1,500

    750

    750

    750

    0

    0

    1,250

    1,500

    1,500

    1,250

    1,000

    1,250

    1,250

    1,250

    1,500

    1,250

    1,000

    1,000

    1,000

    1,000

    1,000

    750

    750

    750

    0

    0

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    1,500

    1,250

    1,250

    1,500

    1,000

    1,250

    1,000

    1,250

    1,000

    1,250

    1,000

    1,000

    1,250

    1,000

    1,500

    750

    750

    750

    0

    0

    1,250

    1,500

    1,500

    1,250

    1,000

    1,250

    1,250

    1,250

    1,500

    1,250

    1,000

    1,000

    1,000

    1,000

    1,000

    750

    750

    750

    0

    0

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    850

    800

    700

    850

    650

    800

    750

    800

    650

    700

    650

    750

    700

    750

    850

    600

    600

    600

    0

    0

    700

    850

    850

    800

    650

    800

    700

    800

    850

    700

    650

    650

    750

    750

    750

    600

    600

    600

    0

    0

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    1,500,000

    1,500,000

    1,000,000

    1,500,000

    1,000,000

    1,500,000

    1,500,000

    1,500,000

    1,000,000

    1,000,000

    1,000,000

    1,500,000

    1,000,000

    1,500,000

    1,500,000

    1,000,000

    1,000,000

    1,000,000

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

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

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cruciate Ligament Rupture
    Cruciate Ligament Rupture Explanation
    Cover Type Icon

    7,500

    4,500

    6,000

    8,000

    4,000

    5,000

    2,000

    4,000

    3,500

    5,000

    4,500

    2,500

    6,500

    1,500

    6,000

    1,500

    2,000

    1,000

    3,000

    2,500

    6,000

    8,000

    7,500

    4,500

    4,000

    4,000

    6,500

    5,000

    6,000

    5,000

    3,500

    4,500

    2,000

    1,500

    2,500

    1,500

    2,000

    1,000

    2,500

    3,000

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

    7,500

    4,500

    6,000

    8,000

    4,000

    5,000

    2,000

    4,000

    3,500

    5,000

    4,500

    2,500

    6,500

    1,500

    6,000

    1,500

    2,000

    1,000

    3,000

    2,500

    6,000

    8,000

    7,500

    4,500

    4,000

    4,000

    6,500

    5,000

    6,000

    5,000

    3,500

    4,500

    2,000

    1,500

    2,500

    1,500

    2,000

    1,000

    2,500

    3,000

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    0

    0

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    0

    0

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    7,500

    4,500

    6,000

    8,000

    4,000

    5,000

    2,000

    4,000

    3,500

    5,000

    4,500

    2,500

    6,500

    1,500

    6,000

    1,500

    2,000

    1,000

    0

    0

    6,000

    8,000

    7,500

    4,500

    4,000

    4,000

    6,500

    5,000

    6,000

    5,000

    3,500

    4,500

    2,000

    1,500

    2,500

    1,500

    2,000

    1,000

    0

    0

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    0

    0

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    0

    0

  • Emergency Boarding Fees
    Emergency Boarding Fees Explanation
    Cover Type Icon

    1,250

    1,000

    1,000

    1,250

    750

    1,000

    750

    1,000

    750

    1,000

    750

    750

    1,000

    750

    1,250

    500

    500

    500

    0

    0

    1,000

    1,250

    1,250

    1,000

    750

    1,000

    1,000

    1,000

    1,250

    1,000

    750

    750

    750

    750

    750

    500

    500

    500

    0

    0

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    1,750

    1,500

    1,500

    1,750

    1,250

    1,500

    1,250

    1,500

    1,250

    1,500

    1,250

    1,250

    1,500

    1,250

    1,750

    1,000

    1,000

    1,000

    0

    0

    1,500

    1,750

    1,750

    1,500

    1,250

    1,500

    1,500

    1,500

    1,750

    1,500

    1,250

    1,250

    1,250

    1,250

    1,250

    1,000

    1,000

    1,000

    0

    0

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    0

    0

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    0

    0

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    0

    0

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    0

    0

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    7,500

    4,500

    6,000

    8,000

    4,000

    5,000

    2,000

    4,000

    3,500

    5,000

    4,500

    2,500

    6,500

    1,500

    6,000

    1,500

    2,000

    1,000

    0

    0

    6,000

    8,000

    7,500

    4,500

    4,000

    4,000

    6,500

    5,000

    6,000

    5,000

    3,500

    4,500

    2,000

    1,500

    2,500

    1,500

    2,000

    1,000

    0

    0

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

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    0

    0

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    0

    0

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

    800

    750

    650

    800

    600

    750

    700

    750

    600

    650

    600

    700

    650

    700

    800

    500

    500

    500

    0

    0

    650

    800

    800

    750

    600

    750

    650

    750

    800

    650

    600

    600

    700

    700

    700

    500

    500

    500

    0

    0

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

    250

    200

    200

    250

    150

    200

    150

    200

    150

    200

    150

    150

    200

    150

    250

    100

    100

    100

    0

    0

    200

    250

    250

    200

    150

    200

    200

    200

    250

    200

    150

    150

    150

    150

    150

    100

    100

    100

    0

    0

  • Cremation
    Cremation Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    0

    0

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    0

    0

Sample Quotes from The Insurance Emporium..

Listed below are some Sample Quotes offered by The Insurance Emporium.

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 6

Breed: Medium

Group: Mongrel

The Insurance Emporium Travel Insurance Review
Product Rating

Experience Rating

Maximum Benefit Gold Annual

105

Maximum Benefit Per Condition 6,000

Complimentary Treatment 6,000

Dental 6,000

Death from Accident 1,250

Death from Illness 1,250

Theft or Straying 1,250

Advertising and Reward 700

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 6

Breed: Shih Tzu

Group: Utility

The Insurance Emporium Travel Insurance Review
Product Rating

Experience Rating

Maximum Benefit Silver Annual

95

Maximum Benefit Per Condition 4,000

Complimentary Treatment 4,000

Dental 4,000

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 650

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 6

Breed: German Shepherd Dog

Group: Pastoral

The Insurance Emporium Travel Insurance Review
Product Rating

Experience Rating

Maximum Benefit Silver Annual

95

Maximum Benefit Per Condition 4,000

Complimentary Treatment 4,000

Dental 4,000

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 650

Third Party Liability 1,000,000

Type:Cat

Cover:Maximum Benefit Per Condition

Age: 1

Breed: Bengal

Group: Purebreed

The Insurance Emporium Travel Insurance Review
Product Rating

Experience Rating

Maximum Benefit Gold Annual

115

Maximum Benefit Per Condition 6,000

Complimentary Treatment 6,000

Dental 6,000

Death from Accident 1,250

Death from Illness 1,250

Theft or Straying 1,250

Advertising and Reward 700

Type:Cat

Cover:Accident Only

Age: 6

Breed: Moggie

Group: Moggie

The Insurance Emporium Travel Insurance Review
Product Rating

Experience Rating

Accident Only Annual

75

Accident Only 2,500

Complimentary Treatment 0

Dental 0

Death from Accident 0

Death from Illness 0

Theft or Straying 0

Advertising and Reward 0

Type:Cat

Cover:Per Condition Time Limited

Age: 1

Breed: Bengal

Group: Purebreed

The Insurance Emporium Travel Insurance Review
Product Rating

Experience Rating

Time Limited Gold Annual

115

Per Condition Time Limited 5,000

Complimentary Treatment 5,000

Dental 5,000

Death from Accident 1,250

Death from Illness 1,250

Theft or Straying 1,250

Advertising and Reward 700