The Insurance Emporium
UK broker-led insurer offering pet cover across multiple tiers. Evidence is being verified.
Not yet researched11 of 11 comparison topics researchedReviewed 9 July 2026
At a glance
- Vet-fee limit
- Confirmed official product structures include Accident Only, Time Limited, Maximum Benefit, and Lifetime. Maximum Benefit is stated as up to £7,500 per condition with no annual limits; Time Limited covers veterinary fees for up to 365 days from first clinical signs; Lifetime renews each policy term; visible dog/cat/senior snippets also show product- and pet-specific figures such as dog Bronze £1,000 per condition, cat Bronze £2,500 per condition, and senior dog Copper £2,000 per year. Full matrix requires policy wording review
- Excess and co-payment
- Excess: Public Liability has a £250 excess. Vet-fee excess exists and is described as depending on policy type, breed, age, and other application factors. Product structure differs by cover type: Lifetime applies fixed vet-fee excess on every vet-fee claim for each condition; Maximum Benefit, Time Limited, and Accident Only official snippets indicate the fixed vet-fee excess is charged once in the treatment lifecycle described on those pages · Co-payment: The Insurance Emporium uses an extra percentage excess / co-payment style contribution on vet-fee claims. Official snippets state that when a claim is made the insurer deducts the fixed vet-fees excess and then an extra percentage excess before final payment; for some pages this is explicitly highlighted for pets aged six and above. Exact percentages were not published in the visible official snippets reviewed
- Waiting periods
- Official product pages refer to deferment periods and visibly show 14-day exclusions for illness / clinical signs and certain cruciate-ligament issues. Full cross-product waiting-period wording requires policy wording review
- Pre-existing conditions
- Pre-existing conditions are not covered. Anything that first showed clinical signs before the policy started will not be covered
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Things to check before choosing
What you may pay
ExcessPublic Liability has a £250 excess. Vet-fee excess exists and is described as depending on policy type, breed, age, and other application factors. Product structure differs by cover type: Lifetime applies fixed vet-fee excess on every vet-fee claim for each condition; Maximum Benefit, Time Limited, and Accident Only official snippets indicate the fixed vet-fee excess is charged once in the treatment lifecycle described on those pages
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- Public Liability has a £250 excess. Vet-fee excess exists and is described as depending on policy type, breed, age, and other application factors. Product structure differs by cover type: Lifetime applies fixed vet-fee excess on every vet-fee claim for each condition; Maximum Benefit, Time Limited, and Accident Only official snippets indicate the fixed vet-fee excess is charged once in the treatment lifecycle described on those pages
“An excess is the part you pay towards a claim.”
Official source: Accident Only; Maximum Benefit; Lifetime; Time Limited; Award-Winning Dog/Cat Insurance pages · reviewed 2026-07-09
Compare all insurersCo-paymentThe Insurance Emporium uses an extra percentage excess / co-payment style contribution on vet-fee claims. Official snippets state that when a claim is made the insurer deducts the fixed vet-fees excess and then an extra percentage excess before final payment; for some pages this is explicitly highlighted for pets aged six and above. Exact percentages were not published in the visible official snippets reviewed
Being checked
- Details
- The Insurance Emporium uses an extra percentage excess / co-payment style contribution on vet-fee claims. Official snippets state that when a claim is made the insurer deducts the fixed vet-fees excess and then an extra percentage excess before final payment; for some pages this is explicitly highlighted for pets aged six and above. Exact percentages were not published in the visible official snippets reviewed
“When you claim, we will deduct the fixed vet's fees excess and then an extra percentage excess before making the final payment to you.”
Official source: Award-Winning Pet Insurance; Award-Winning Dog Insurance; Award-Winning Cat Insurance; Lifetime Pet Insurance; Senior Dog; Senior Cat; Multi-pet Insurance · reviewed 2026-07-09
Compare all insurersWhat the policy may limit
Vet Fee LimitsConfirmed official product structures include Accident Only, Time Limited, Maximum Benefit, and Lifetime. Maximum Benefit is stated as up to £7,500 per condition with no annual limits; Time Limited covers veterinary fees for up to 365 days from first clinical signs; Lifetime renews each policy term; visible dog/cat/senior snippets also show product- and pet-specific figures such as dog Bronze £1,000 per condition, cat Bronze £2,500 per condition, and senior dog Copper £2,000 per year. Full matrix requires policy wording review
Being checked
- Details
- Confirmed official product structures include Accident Only, Time Limited, Maximum Benefit, and Lifetime. Maximum Benefit is stated as up to £7,500 per condition with no annual limits; Time Limited covers veterinary fees for up to 365 days from first clinical signs; Lifetime renews each policy term; visible dog/cat/senior snippets also show product- and pet-specific figures such as dog Bronze £1,000 per condition, cat Bronze £2,500 per condition, and senior dog Copper £2,000 per year. Full matrix requires policy wording review
“Our Maximum Benefit pet insurance covers your pet for up to £7500 per condition with no annual limits.”
Official source: Maximum Benefit Pet Insurance; Time Limited Pet Insurance; Lifetime Pet Insurance; Award-Winning Dog Insurance; Award-Winning Cat Insurance; Senior Dog Insurance · reviewed 2026-07-09
Compare all insurersDental CoverRoutine dental treatment is not covered. Scaling, polishing, removal of deciduous teeth, and tooth/gum disease are excluded. Dental treatment can be covered where the pet suffers an injury to its teeth or mouth
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- Routine dental treatment is not covered. Scaling, polishing, removal of deciduous teeth, and tooth/gum disease are excluded. Dental treatment can be covered where the pet suffers an injury to its teeth or mouth
“Routine treatment such as scaling, polishing teeth and the removal of deciduous teeth are not covered nor are claims in respect of tooth or gum disease.”
Official source: Award-Winning Dog Insurance; Accident Only Pet Insurance; Senior Dog; Senior Cat · reviewed 2026-07-09
Compare all insurersBehavioural TreatmentBehavioural problems are explicitly excluded. The Insurance Emporium's product pages state: "We will not pay for preventative, cosmetic and routine treatments as well as claims for any behavioural problems."
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- Behavioural problems are explicitly excluded. The Insurance Emporium's product pages state: "We will not pay for preventative, cosmetic and routine treatments as well as claims for any behavioural problems."
“We will not pay for preventative, cosmetic and routine treatments as well as claims for any behavioural problems.”
Official source: Award-Winning Pet Insurance for Older Dogs; Award-Winning Pet Insurance for Older Cats; Public Liability Only Pet Insurance · reviewed 2026-07-09
Compare all insurersWhen and how cover applies
Waiting PeriodsOfficial product pages refer to deferment periods and visibly show 14-day exclusions for illness / clinical signs and certain cruciate-ligament issues. Full cross-product waiting-period wording requires policy wording review
Being checked
- Details
- Official product pages refer to deferment periods and visibly show 14-day exclusions for illness / clinical signs and certain cruciate-ligament issues. Full cross-product waiting-period wording requires policy wording review
“It’s vital you read your policy wording, as other excesses and exclusions may apply, including deferment periods.”
Official source: Multi-pet Insurance; Maximum Benefit Pet Insurance; Lifetime Pet Insurance; Senior Dog; Senior Cat; Accident Only Pet Insurance · reviewed 2026-07-09
Compare all insurersPre-existing ConditionsPre-existing conditions are not covered. Anything that first showed clinical signs before the policy started will not be covered
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- Pre-existing conditions are not covered. Anything that first showed clinical signs before the policy started will not be covered
“Please note that pre-existing conditions are not covered.”
Official source: Award-Winning Pet Insurance; pet quote page; Multi-pet Insurance · reviewed 2026-07-09
Compare all insurersClaimsThe Insurance Emporium recommends online claim submission where available. It says it will acknowledge receipt of a claim within 2 working days, aims to assess within 5 working days if all required information is supplied, and makes claim forms available online for the majority of claim types
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- The Insurance Emporium recommends online claim submission where available. It says it will acknowledge receipt of a claim within 2 working days, aims to assess within 5 working days if all required information is supplied, and makes claim forms available online for the majority of claim types
“Submit your claim online (recommended).”
Official source: Make a Claim; Frequently Asked Questions; Manage Your Account · reviewed 2026-07-09
Compare all insurersRenewalsPolicies auto-renew subject to receipt of premium unless the customer opts out, and the site provides an “Auto Renewal Opt Out” journey. Lifetime products renew their vet-fees pot each policy term if the policy remains in force. Premium and excess are reviewed at least once a year and may change
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- Policies auto-renew subject to receipt of premium unless the customer opts out, and the site provides an “Auto Renewal Opt Out” journey. Lifetime products renew their vet-fees pot each policy term if the policy remains in force. Premium and excess are reviewed at least once a year and may change
“Your policy will automatically be renewed with us (subject to the receipt of premium) to ensure cover remains ...”
Official source: Frequently Asked Questions; Manage Your Account; Lifetime Pet Insurance; Award-Winning Pet Insurance quote page · reviewed 2026-07-09
Compare all insurersProvider FeaturesDog, cat, senior dog, senior cat, and multi-pet propositions. Optional benefits including European Cover and Euthanasia and Cremation are advertised on dog/cat pages. My Emporium account area for documents, changes, claims, and renewals. Auto Renewal Opt Out path exposed publicly. Moneyfacts / Defaqto / claims-service award messaging on official pages
Being checked
- Details
- Dog, cat, senior dog, senior cat, and multi-pet propositions. Optional benefits including European Cover and Euthanasia and Cremation are advertised on dog/cat pages. My Emporium account area for documents, changes, claims, and renewals. Auto Renewal Opt Out path exposed publicly. Moneyfacts / Defaqto / claims-service award messaging on official pages
Not published in official documents reviewed
Official source: Not published in official documents reviewed · reviewed 2026-07-09
Compare all insurersPolicy change history
- Knowledge Platform updated2026-07-01
Framework updated to v1.4 — Evidence Layer expanded across every Knowledge Product.
- Guide refreshed2026-06-15
Claims and Pre-existing Conditions explainers updated with clearer plain-English wording.
Official information
Underwriter / administrator: The Equine and Livestock Insurance Company Limited
Knowledge Platform v1.4 · checked 2026-07-09. Every answer records the official information it came from, and many link straight to the insurer's own page or document. Where an answer names a document but we have not yet linked it, we say so on the answer instead of implying a direct link.