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Compare The Insurance Emporium pet insurance quotes.

Compare pet insurance

95% of all claims paid out in 2025^{^}
Introductory discount available
10% multi-pet discount available
Over 80 years of experience in the insurance industry

Four types of policy cover
UK-based claims department
Award-winning insurer
Award-winning customer service

Lifetime cover

Lifetime policies provide you with cover for new conditions, for as long as needed, with a ‘total cost limit’ that resets each year.
Maximum benefit

Maximum benefit policies provide you with cover for new conditions, for as long as needed, up to a 'per condition limit'.
Time limited

Time limited policies provide you with cover for new conditions, for 12 months.
Accident only

Accident only policies provide you with a fixed amount of money for each injury caused by an accident.

Learn more about pet insurance

Trust Pilot

Defaqto rating (Lifetime Gold Calendar Cat / Dog Insurance)

⭐⭐⭐⭐⭐ ^

Five stars is for 'an excellent product with a comprehensive range of features and benefits'.

How will the vet bills be paid if my pet needs treatment?

When submitting a claim you have a choice, The Insurance Emporium can pay you directly into your bank account or they can pay your veterinary practice. Either way, you'll need to inform them directly.

Does The Insurance Emporium cover pre-existing conditions?

The Insurance Emporium can still insure your pet, but you are obliged to inform them of any previous medical conditions they’ve experienced.

The Insurance Emporium does not cover conditions that first showed clinical signs, happened or existed before the commencement date/time shown on your policy schedule. They do not cover illness or conditions that first showed clinical signs, happened or existed within the first 14 days of the policy inception.

For Lifetime Copper, Zinc, Titanium and Palladium policies please note that The Insurance Emporium also does not cover any injuries displaying clinical signs within 48 hours of the policy inception, and do not cover any problem affecting the cruciate ligaments within 14 days of the policy inception. This includes any arthritis, illness or injury that develops from them. All applications are subject to approval.

Does The Insurance Emporium offer any add-ons?

All The Insurance Emporium's time limited, maximum benefit, and lifetime pet insurance policies come with the following standard benefits:

Vet Fees
Death of Pet
Kennel/Cattery Fees
Holiday Cancellation
Loss by Theft or Straying
Advertising & Reward
Accidental Damage
Public Liability (Dogs Only)
Personal Accident

Customers can add the following Optional Benefits:

European Cover*
Euthanasia and Cremation**

Please note: Lifetime Copper, Zinc, Titanium or Palladium policies do not offer Optional Benefits.

*Is not available on Accident Only policies

**Is not available on Senior Cat and Senior Dog policies

Does The Insurance Emporium offer multi-pet insurance?

If you have more than one pet, The Insurance Emporium offers an extra 10% discount on all of its pet insurance policies, whether you have cats or dogs, or both! The multi-pet discount is either applied at inception of any new pet policies or at renewal of existing pet policies.

Who are The Insurance Emporium?

The Insurance Emporium has over 90 years’ experience in the insurance industry and has provided cover to millions of UK residents. Alongside pet and equine insurance, they also offer insurance policies for cameras, cycles, caravans, weddings, and more. They pride themselves on their award-winning claims service and specialist knowledge.

The Insurance Emporium is headquartered in York, and all its customer support staff are UK-based.

The Insurance Emporium is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

What is MoneySuperMarket’s relationship with The Insurance Emporium?

The Insurance Emporium is one of MoneySuperMarket’s 38^{^} pet insurance providers, and also one of our specialist horse insurance providers. We work closely with all our providers to continuously improve what we can offer to our customers, whether that’s better deals, clearer information on how policies work in practice, or data-backed insights on what you can expect when you take out cover.

MoneySuperMarket earns commission from the companies we work with, including The Insurance Emporium, but this never influences our quote rankings or the information we provide. We aim to give you everything you need to make the right decision for you, but we won’t tell you which provider to choose.

Elaine says ...

"If I hadn’t had pet insurance, I would have been left with a very large bill, and I possibly would have had to borrow money, because I would never have considered not paying for her treatment.

The claims process with The Insurance Emporium was very straightforward and easy, and the customer service was outstanding."

Full video transcript

I first became a dog owner when I saw Bella in the park with my friend Stu and she was running around so fast. She reminded me of a dog that we used to have called Sandy, and I said to him, “I’d love a dog like that.”

He said, “Well, she’s trained to be an assistant dog, but unfortunately she likes chasing squirrels too much, so she’s not going to be able to make the grade.”

When Bella got sick, she developed an infection in her paw, which was similar to MRSA in humans, and it took a long time to heal. If I hadn’t had pet insurance, I would have been left with a very large bill, and I possibly would have had to borrow money, because I would never have considered not paying for her treatment.

The reason I made a claim was because it would have been unaffordable to get her better otherwise, given the different treatments and drugs she needed, as well as regular vet visits to monitor whether the infection was improving.

The claims process with The Insurance Emporium was very straightforward and easy, and the customer service was outstanding. I always knew where I was with my claim and felt fully supported, and they understood what Bella meant to me, so there was always a friendly voice on the end of the phone.

By Phone

For quotations / sales: 03300 244 005
Existing customer queries: 03300 244 007
Claims: 03300 244 006
Or request a call back
Live Chat

Contact The Insurance Emporium on its Live Chat - for sales and customer queries or existing claims and claims form requests.
Available from 9:00am – 5:30pm, Monday to Friday.
Online Portal

The Insurance Emporium’s My Emporium portal lets you manage your policy 24/7.

Contact The Insurance Emporium
- For new or existing vet’s fees claims use The Insurance Emporium’s digital claims journey.
Or,
- Download a claim form via the My Emporium portal
- Call the claims department on 03300 244 006
- Email claims@emporium.co.uk to request a claim form.
Return claim form

Return your claim form, including any relevant documentation, to claims@emporium.co.uk
Or,
You can send the form by post to:
The Insurance Emporium
Thorpe Underwood Hall
Ouseburn
York
YO26 9SS
Claim is accepted or rejected

Once your form and supporting documents have been submitted, The Insurance Emporium will assess your claim as quickly as possible.
If your claim is approved, The Insurance Emporium will either reimburse you for the cost of treatment or pay your vet directly.
In both instances you will still need to pay your excess and any pre-agreed co-payments. These charges will be outlined in your policy documents.

We're trusted

All our insurance providers are authorised and regulated by the Financial Conduct Authority (FCA).
Rated 4.9/5 on Feefo

We're also the UK's most recommended price comparison website^{^}
Save money

Save £££ on your pet insurance. Plus, we price match and give you £10 if you find a cheaper deal^{^}
Earn rewards

Buy through us and get up to £10^{^} with your policy, plus other SuperSaveClub rewards

Compare pet insurance

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At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.

Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.

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You can find out more about how we make money here.

Why should I use a price comparison website?

One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.

We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.

Does MoneySuperMarket work with all the providers on the market?

No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.

Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.

Is pet insurance eligible for SuperSaveClub and rewards?

Yes, you can earn SuperSaveClub rewards when you buy pet insurance through MoneySuperMarket.

This includes:

Up to £10, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions (you must download our app to get this)
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos

To earn SuperSaveClub rewards on purchases you must:

Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase

More information can be found on our SuperSaveClub homepage.

Is pet insurance eligible for Price Promise?

Yes, pet insurance is included in our Super Save Price Promise.

If you buy through us then find the same deal for less we will:

refund the difference
give you a gift card worth £10

Terms and conditions apply. More information can be found on our Price Promise page.

Reviewed on 1 May 2026 by

Lauren Chong

Senior Commercial Manager | Vet