Insure more than one pet with us and you will be eligible for an extra 10% discount on your pet insurance, a potential 30% discount on new policies (including 20% Introductory Discount).

£5.34 per Lunar Month is based on a Lunar Monthly policy including an introductory discount based on a 7 year old, Small Mongrel, living in York on an Accident Only policy.

£26.27 per Lunar Month is based on a Lunar Monthly policy including an introductory discount for the same dog on a Lifetime Gold policy.

A lunar monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.

How do I redeem my promo code discount?
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium.

How can I view my policy documents and change my details?
Simply register and log into your My Emporium account to view your policy, change your contact details and download a claim form.

How do your pet policies work?
Because we want you to have the flexibility that really suits your lifestyle, we offer five different policy types. Take a look at our handy flowchart to find out exactly how our policy types can benefit you.

Does the policy cover physiotherapy for my dog?
Yes, if you have selected a policy that includes veterinary fees. Acupuncture, homeopathic or herbal medicines, hydrotherapy, laser treatment, physiotherapy and ultrasound are included for the treatment of a condition covered by your policy, if recommended by your vet. Limitations apply for hydrotherapy, please see the policy wording.

Does the policy cover prescription diet?
The veterinary fees section on the Time Limited, Maximum Benefit and Lifetime policies includes cover for prescription diet for the treatment to dissolve bladder stones or crystals in urine only. Limitations apply, please see the policy wording.

If my dog is not vaccinated can I still arrange cover?
Yes although unvaccinated dogs are not covered for: distemper, hepatitis, leptospirosis and parvovirus. In addition any treatment required for an illness that may have been prevented with a routine vaccination will be excluded (unless the vaccine failed).

Are there any treatments I am unable to claim for?
We will not pay for preventative, cosmetic and routine treatments as well as claims for any behavioural problems.

Am I able to claim for any dental treatment for my dog within this policy?
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. However we would consider claims due to injury.

Would the policy cover if my dog has an accident a few days after buying the policy?
If you purchase the Lifetime Copper, Zinc, Titanium or Palladium policies, and your dog has an accident 48 hours after your policy starts, you can claim for vet’s fees, but any accidents in the first 48 hours are excluded. We do not cover any problem affecting the cruciate ligaments within 14 days of your policy starting. This includes any arthritis, illness or injury that develops from them.

Would the policy cover if my dog fell ill a few days after buying the policy?
No, the policy excludes any illness displaying clinical signs within 14 days of the policy commencing. Please refer to the policy wording for details of all exclusions.

Are there any breeds of dog you won't cover?
Yes. Please see our list of excluded breeds. All applications are subject to underwriting approval.

Can I insure a crossbreed or mongrel?
Yes. Simply select crossbreed or mongrel when going through the quote process.

What help will my policy offer if my dog is lost?
As part of your policy, we offer cover for advertising and reward to help with the cost of getting your dog back. If your dog is not found within 28 days of straying or being stolen from your address we will pay the price paid for the dog, less 50%, for a pet aged 6 years or more. For neutered dogs up to the age of 6 years, we will pay the price paid for the dog, less 25%. If you are unable to prove a purchase receipt, you will receive a payment of £75.

If my dog has a condition which needs ongoing treatment, do I need to wait until the treatment has finished before I can make my claim?
No you do not have to wait, claims should be submitted as soon as the dog receives treatment.

My dog has suffered medical problems in the past, are you still able to offer me cover?
Yes, we can still insure your dog but you are obliged to inform us of any previous medical conditions your dog has suffered from in the past. We do not cover conditions that first showed clinical signs, happened or existed before the commencement date/time shown on your policy schedule. We 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 we also do 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.

What should I do if my dog is referred on to a specialist?
Please submit an additional claim form and invoices from the specialist.

Do you cover hereditary conditions?
Yes, as long as the condition doesn't first show clinical signs, happens or exists at the commencement date/time shown on your policy schedule or within the first 14 days of the policy inception.

Do you cover congenital conditions?
Yes, as long as the condition doesn't first show clinical signs, happens or exists at the commencement date/time shown on your policy schedule or within the first 14 days of the policy inception.

I am currently insured on the dog policy, what happens to my policy when my dog turns 8?
You will remain on the dog policy until the first annual policy review after your pet turns 8, at which point you will be transferred onto the relevant senior dog policy.

I'm thinking about taking out more than one pet policy with The Insurance Emporium, will you give me a discount?
Yes, we offer a 10% discount on each subsequent pet policy you take out with us. Total maximum discount is 30%. There is no limit to the number of pets that you can insure; multi-pet discounts apply to dogs or cats or a combination of the both.

What amount will I have to pay as an excess?
There is no excess except on Vet's Fees (Calculated by policy type, breed, age and cover level).

How are premiums calculated for my dog?
We calculate premiums based on the breed and age of your dog, along with cover levels, area and the policy type you have chosen.

How will the vet bills be paid if my dog needs treatment?
When submitting a claim you have a choice, we can pay you directly into your bank account or to your veterinary practice. Either way, you'll need to inform us directly.

What does Accident Only mean?
The Accident Only policy provides cover for veterinary fees for treatment after and injury caused by an accident.

What does Time Limited mean?
The Time Limited policy provides cover for veterinary fees for up to 365 days from the date each injury or illness first showed clinical signs. There are 3 levels of cover available: Bronze, Silver and Gold

What does Maximum Benefit mean?
The Maximum Benefit policy provides cover for veterinary fees for each injury or illness to the maximum amount available irrespective of the time taken to reach it. Once the amount has been reached, the treatment (condition) won't be covered again. There are 3 levels of cover available: Bronze, Silver and Gold.

What does Lifetime mean?
The Lifetime policy provides cover for veterinary fees for each injury, illness or condition. Cover renews throughout the life of the pet as long as premiums are kept up to date. There are 7 levels of cover available: Bronze, Silver, Gold, Copper, Zinc, Titanium and Palladium.

What does Public Liability Only mean?
The Public Liability Only policy provides cover for your legal liability to others for compensation costs arising out of your ownership of your dog. Cover is also provided for your  expenses of defending criminal proceedings incurred with our written consent.

Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium. Promo code discount is available from the start of the policy until its first review/renewal date.