The Insurance Emporium

Ranked

#9
9 of 19 insurers by customers

The insurance emporium is a trading name of the Equine and Livestock Insurance Company Ltd. They offer Public Liability cover for dogs, and Accident Only, Time Limited, Maximum Benefit and Lifetime Cover polices with choices of maximum payout limit for each type of policy for dogs and cats. They have policies designed specifically for older dogs and cats. There are elective benefits of 24 hour lost and found service, 24 hour vet helpline, premium waiver if you are hospitalised, injured, die or are unemployed.

Reviews

1.4
  • 149 reviews
  • Excellent
    6% Complete
    6%
  • Very Good
    3% Complete
    3%
  • Average
    1% Complete
    1%
  • Poor
    6% Complete
    6%
  • Terrible
    84% Complete
    84%
Coverage

Cats & Dogs: The Insurance Emporium offer several types of Pet Insurance policy. Choose between their Accident only, Time Limited, Maximum Benefit and Lifetime cover policy options.Their Accident Only cover offers cover for vet fees for an injury up to £3,000. Once the limit is reached no further cover for that injury is available. Up to £250 cover for Hydrotherapy treatment. There are elective benefits of 24 hour lost and found service, 24 hour vet helpline, premium waiver if you are hospitalised, injured, die or are unemployed.

Their Time Limited policies offer cover for Vet fees or complementary treatments for illness or injury for 365 days from first onset of injury or condition up to the maximum payout limit selected. Once time limit as passed that illness or condition is no longer covered. 3 levels of cover available Bronze: £1,500 vet fees; Silver £4,000 vet fees; Gold cover £6,000 vet fee cover.

Their Maximum Benefit polices offer cover for vet fees or complementary treatments for illness or injury up to the chosen pay out limit. 3 levels of cover are available Bronze: £2,000 vet fees; Silver £4,500 vet fees; Gold cover £7,500 vet fee cover.

Their Lifetime policies offer cover for vet fees or complementary treatments for all eligible illness or injury up to the chosen pay out limit. Cover renews each year if the policy remains in force with no break in cover. 3 levels of cover available Bronze: £2,500 vet fees; Silver £5,000 vet fees; Gold cover £8,000 vet fee cover. Individual limits apply for death of pet, loss, special diets, hospitalisation, hydrotherapy, vet consultation fees, Boarding kennels, holiday cancellation, etc where covered by the policy. Public Liability cover for dogs only.

Horse Insurance: The Standard horse insurance cover is for Loss through Theft or Straying, and for the Death of your horse. You can add additional cover including Vet Fee Cover for Accidental Injury and/or illness, Transportation and Livery cover, Loss of Use, Public Liability Insurance, European Use of horse, Disposal Costs cover, Dental treatment cover for you, Saddlery and Tack cover and Premium Waiver cover and Personal Accident cover. They offer a Legal Helpline for advice.

Their Standard Veteran Horse cover is for Death from Accidental Injury only, Loss or straying. You can add additional cover including Vet Fee Cover for Accidental Injury, Transportation and Livery cover, Colic cover, Public Liability Insurance, European Use of horse, Disposal Costs cover, Dental treatment cover for you, Saddlery and Tack cover and Premium Waiver cover and Personal Accident cover. They offer a Legal Helpline for advice.

Rider Insurance: Cover for Juniors (5 - 17 years of age) and Seniors (18 - 75 years of age). Benefits include Emergency Vet Fees for Visible Accidental Injury only, Public Liability cover, Custodial Liability cover, Saddlery and Tack, Dental Treatment for you following an accident and Personal Accident cover. optional extras include Premium Waiver cover, Riding Clothes and Legal Helpline.

Excess

Dog and Cat policies: No Excess applicable but this insurer only pays a small contribution to vet consultation fees, hospitalisation fees, and follow up appointments, etc. Excess on Public Liability cover for dogs.

Horse Insurance and Veteran Horse Insurance: Vet Fees £150 Saddlery and Tack £85 Public Liability £250

Rider only policies: Various. 

Age Limits

Dogs and Cats: Cover up to 8 years of age on standard policy and Senior policy for 8 years and over.

Horse Insurance: From 31 days to 20 years of age.

Veteran Horse Insurance: From 20 years old with no upper age limit.

Rider Insurance: Policies for riders from 5 years to 75 years of age.

Waiting Period

Dog and Cat policies: 14 days.

Horse and Veteran Horse policies: 14 days Rider only policies: various

Additional Policy Information
Please note

Policies are subject to exclusions and conditions so please always consult the insurer's policy documents before you buy. 

Pet Insurance Review compiles the latest Policy information and general company information from each insurers website with the information gathered on the date shown. We make every effort to ensure the information is correct but cannot be held responsible for any inaccuracies.  

Company info

The insurance emporium is a trading name of the Equine and Livestock Insurance Company Ltd. They offer Public Liability cover for dogs, and Accident Only, Time Limited, Maximum Benefit and Lifetime Cover polices with choices of maximum payout limit for each type of policy, for dogs and cats. They have policies designed specifically for older pets. There are elective benefits of 24 hour lost and found service, 24 hour vet helpline, premium waiver if you are hospitalised, injured, die or are unemployed also available. 

They also offer horse insurance, veteran horse insurance and horse rider insurance to protect you and your horse from the unexpected. Their policies allow you to build the cover you need form a range of options so your insurance fits your needs and your budget.

The Insurance Emporium

By:
Frustrated
Posted: 20/10/2018
1

When the policy came up for renewal I saw the poor reviews, and also noted that the policy was taking payment on a “lunar monthly” basis, I.e ever6 28 days, meaning we were paying 13 /12 what I had expected. Due to this we cancelled the policy and I also...

Breed

Small Mixed Breed (11 - 30 lbs)

Species:
Dog
By:
Ruth Hadaway
Posted: 04/10/2018
5

My renewal with my old insurer was going to be around £60/month raised from £45/month so I shopped around. Found this E and L for £16/month for what I could see was effectively the same insurance. 2 months in we had the worst news about our dog and they...

Breed

Medium Mixed Breed (31 - 59 lbs)

Species:
Dog
By:
Joanna Williams yo
Posted: 01/09/2018
1

Do not take out an insurance with this company ! Not only do they take months to pay, out of a bill for nearly £1400 they paid out £600 absolutely awful company. I had 2 dogs insured with this company,very sadly lost one but I have since moved insurance...

Breed

Boxer

Species:
Dog
By:
Benstead
Posted: 14/08/2018
3

I must of been one of the lucky ones as I had to make a claim and almost all of it was paid out £811. But it took over 2 months of sending emails (never had a reply to any) and phone calls always very polite but seemed not to have any idea what they were...

Breed

Irish Setter

Species:
Dog