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

We review your policy at least once a year; we may make changes to the price of your policy, the range of your cover, your available benefits, or the excesses you pay. As a result of these changes the price, range of cover, benefits, or excesses may go up, stay the same, or go down; the change(s) may be significant and there is no limit to the amount of the change(s).

We may make changes to the cost of your insurance cover and/or excess because your pet has a chronic condition because (a) it will significantly increase the risk that your pet will suffer one or more other illnesses, or (b) it will significantly increase your vet’s fees; or (c) both.

Like us, pets are more likely to suffer illnesses or to have chronic conditions, as they get older; and, if they have one illness or chronic condition, they are more likely to have others in time. This is why your premium usually increases, and your excess might also increase, from one year to the next. It is also why these increases are sometimes significant. There is no limit to the amount your premium and/or excess can change.

What does pet insurance excess mean?
An excess is the part you pay towards a claim.

With our pet insurance policies, there are only two Standard Benefits where you need to pay an excess:

• Public Liability
• Vet’s Fees

How does pet insurance excess work?
The way excesses work depends on the type of policy you have with us:

Public Liability
You only pay the public liability excess when we pay a third-party claim.

For example, if your dog bites a courier’s leg, and we pay compensation for the injury, you need to pay us the public liability excess.

Accident Only
You only pay the fixed vet’s fees excess for each injury.

For example, if your pet has an accident and needs care for a cut or wound on their leg:

• We will deduct the fixed vet’s fees excess off the money we pay you.
• If your pet needs more care for the same injury in the same policy year, you do not have to pay the fixed vet’s fees excess again.

Time Limited (Bronze/Silver/Gold)
You only pay the fixed vet’s fees excess once for each injury, illness, or condition.

For example, if your pet gets arthritis and needs medication:

• We will deduct the fixed vet’s fees excess off the money we pay you.
• If your pet needs more arthritis treatment, you do not pay the fixed vet’s fees excess again.
• We will cover vet’s fees for up to 365 days from when the injury, illness, or condition first shows clinical signs, or until the vet’s fees limit is used up, whichever happens first.

Maximum Benefit (Bronze/Silver/Gold)
You only pay the fixed vet’s fees excess for each injury, illness, or condition.

For example, if your pet gets hyperthyroidism and needs medication:

• We will deduct the fixed vet’s fees excess off the money we pay you.
• If your pet needs more hyperthyroidism treatment, you do not pay the fixed vet’s fees excess again.
• We will cover vet’s fees for up to the maximum limit, no matter how long it takes to reach it.

We are here to help you give your pet the best care for years to come. As they get older, we will simply ask you to pay a little more towards the cost of an Accident Only, a Time Limited or a Maximum Benefit claim. 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. This helps keep your premium down while still covering the treatment your pet needs.

Lifetime (Copper/Zinc/Titanium/Palladium) – Condition limit
You only pay the fixed vet’s fees excess once per year, no matter how many injuries, illnesses, conditions, or chronic conditions your pet has.

For example, if your pet gets osteoarthritis and needs medication:

• We will first deduct the fixed vet’s fees excess off the money we pay you.
• If your pet is aged six and above, we will deduct the fixed vet’s fees excess and then an extra percentage excess before making the final payment to you.
• If your pet needs more osteoarthritis treatment, you do not pay the fixed vet’s fees excess again until you renew your policy.
• Once we have taken the fixed vet’s fees excess on your first claim, you will not pay it again for any other claims in the same year. So, if your pet, no matter their age, has a new injury, illness, condition or chronic condition in the same year and you claim, we will only deduct the extra percentage excess off the money we pay you.

Lifetime (Bronze/Silver/Gold) – Per year
You only pay the fixed vet’s fees excess once for each injury, illness, condition, or chronic condition your pet has in a policy year.

For example, if your pet gets osteoarthritis and needs medication:

• We will deduct the fixed vet’s fees excess, and then an extra percentage excess off the money we pay you.
• If your pet needs more osteoarthritis treatment, you do not pay the fixed vet’s fees excess again until you renew your policy. We only take the extra percentage excess off from what we pay you.
• If your pet has a new injury, illness, condition or chronic condition and you claim, we will deduct the fixed vet’s fees excess and then an extra percentage excess before making the payment to you.

Only your first claim has the fixed vet’s fees excess deducted, and this is just the start of the support we provide. If your claim continues, you will still have money available to use for future claims during the policy year. This way, your policy supports you over the long term, not just for one claim.

If you have a pet insurance policy with us, you can view your excess amounts within your Policy Schedule.

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.

Is my pet covered for physiotherapy?
Yes, vet recommended physiotherapy is included in your vet’s fees cover.

What if my pet isn’t vaccinated?
Unvaccinated dogs are not covered for: distemper, hepatitis, leptospirosis, and parvovirus.

Unvaccinated cats are not covered for: feline infectious enteritis, feline leukaemia, and cat flu.

Neither are covered for any illnesses that could have been prevented by a vaccine (unless it fails).

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.

What about my pet’s dental treatment?
Unless your pet suffers an injury to its teeth or mouth, we don’t cover routine dental treatment.

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 pet breeds you won’t cover?
We insure all breeds of domestic cat, but there are some dogs that we don't cover.

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 pet is lost?
As part of your policy, we offer cover for advertising and reward to help with the cost of getting your pet back. If your pet is not found within 28 days of straying or being stolen from your address we will pay the price paid for the pet, less 50%, for a pet aged 6 years or more. For neutered pets up to the age of 6 years, we will pay the price paid for the pet, less 25%. If you are unable to prove a purchase receipt, you will receive a payment of the following; £75 for dogs, £40 for cats.

Do I have to wait until my pet has finished their treatment before I can make a vet’s fees claim?
No, get in touch with us as soon as you need to make your claim.

My pet has had previous medical problems, will that make a difference?
We don’t cover your pet for vet’s fees or death if they are injured or shows signs of illness before the insurance began and you must tell us everything you know about your pet’s health, that includes whether they have had any previous medical problems because it may make a difference to the cover we offer you.

What if my pet is referred to a specialist?
Each vet who treats your pet will need to fill out their own section of our Vet’s Fees claim form – so you’ll need a separate form for every vet involved in your pet’s care.

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'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 a £250 excess on Public Liability and an excess on Vet's Fees (Calculated by policy type, breed, age and cover level).

How is my pet’s premium calculated?
We look at several factors, including your pet’s breed, age, where you live and the type and level of cover you choose.

How will my pet’s bills be paid?
You have a choice – we can pay it into your bank account, or we can pay your vet – you just need to let us know which!

Can you get Multi-pet insurance for older pets?
Yes, we offer multi-pet discount for pets aged 8 years and over.

If you are a current policyholder, you will remain on your existing pet policy until the first annual policy review after your pet turns 8, at which point you will be transferred onto the relevant senior pet policy. This may affect your premium and your excess as pets are more likely to suffer illnesses or have chronic conditions as they get older.

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.