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The Insurance Emporium reviews

The Insurance Emporium logo
Rated Excellent • 4.73/5

The Insurance Emporium reviews

Verified business Last reviewed within 14 days
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  • Positioned as being a socially responsible organisation
    Positioned as being a socially responsible organisation
  • FCA approved and regulated
    FCA approved and regulated
  • UK-based contact centre
    UK-based contact centre
  • On-line application and approval process
    On-line application and approval process

Review summary

People rate this company as Excellent based on 6,459 product reviews

Average score of 4.73/5
5 star
90%
4 star
7%
3 star
1%
2 star
0%
1 star
1%

The Insurance Emporium is loved for its straightforward claims, friendly staff, and great value pet and horse insurance. People appreciate how quickly claims are paid and how helpful the team is during stressful times. However, some found the excesses high and were frustrated by claim rejections or premium hikes after claims.

Positive themes

  • Claims for pets and horses are handled quickly and without fuss. (90 mentions)
  • Customer service is friendly and helpful throughout the insurance journey. (49 mentions)
  • Insurance Emporium offers great value for money with competitive prices. (30 mentions)

Negative themes

  • Some found claim payouts low or rejected without clear explanation. (9 mentions)
Summarised by AI
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About The Insurance Emporium

The Insurance Emporium is an award-winning insurance provider based in the UK.

The Insurance Emporium offers insurance for hobbies and passions whether it’s pets, horses, fishing, golf or caravans. There’s also a wedding insurance policy if you have a big day on the horizon.

The Insurance Emporium offer pet, equine, caravan, wedding, camera, cycle, music, fishing, golf and student insurance.

The Insurance Emporium at a glance

Contact details

Phone
03300 244 007
Main address
The Insurance Emporium, Thorpe Underwood Hall, Ouseburn, York, YO26 9SS
Social media

Reviews for The Insurance Emporium

Showing 11 of 6459 company reviews • Last reviewed within 14 days

Absolutely abysmal experience.

Pet insurance • 6th September 2026

Absolutely abysmal experience. I had the “Premium” package and expected meaningful cover when I actually needed it. My claim for £1,200.34 has been rejected, with... Absolutely abysmal experience. I had the “Premium” package and expected meaningful cover when I actually needed it. My claim for £1,200.34 has been rejected, with the insurer relying on an exclusion for tooth or gum disease. My cat originally went to the vet because of an abscess. There were then several consultations, medications and investigations while the vets tried to establish what was actually causing the problem. A tooth problem was subsequently identified and eventually a tooth had to be extracted. The total bills came to £1,200.34. The eventual dental extraction was £620, but the rest included multiple consultations, medication, antibiotics and investigations.What I find particularly frustrating is the policy wording. The dental exclusion is buried deep within a lengthy 28-page policy document, under the detailed exclusions section. I found the wording unnecessarily difficult to navigate and confusing as a customer.The more you read through the policy and its exclusions, the more it feels like there is an exclusion for almost everything. It genuinely leaves you wondering what you are actually paying for and what would be covered when you need to claim. Despite paying for the policy, the entire claim has been rejected as dental-related. I'm currently appealing and trying to recover something from the £1,200 I've had to pay myself. Having now read other reviews, I can see many customers describing similar experiences. Unfortunately, my experience has been just as bad. £1,200 out of pocket. Extremely disappointing. I would avoid this company. Read more Read less

{"display":"JD","full_name":"JD","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
JD
Rated Terrible • 1.00/5
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DO NOT USE THIS COMPANY FOR PET INSURANCE.

Pet insurance • 25th August 2026

DO NOT USE THIS COMPANY FOR PET INSURANCE. I had a long battle with this company, essentially my dog requires an urgent operation and they... DO NOT USE THIS COMPANY FOR PET INSURANCE. I had a long battle with this company, essentially my dog requires an urgent operation and they cancelled my policy. The communication was awful and dragged out over 7 months. Although they have not taken responsibility for policy issues they have accepted the customer services was substandard. MORAL OF THE STORY- Invest your money into reputable company, even if they are much more expensive, there is a reason why you pay a premium. Read more Read less

{"display":"Nick ","full_name":"Nick ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1.00/5
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  • 5.00/5

    Excellent service for a top rated product.

    Excellent service for a top rated product. The best caravan insurers we have ever had.

    {"display":"Amanda Thompson","full_name":"Amanda Thompson","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1042440.png"}}'s avatar
  • 5.00/5

    Affordable and reliable

    Very affordable pet insurance with plenty benefits. It's my second time being a customer of theirs and they continue to offer suitable, affordable and beneficial premiums.

    {"display":"Elizabeth M","full_name":"Elizabeth M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1.00/5

    Contractual and Rude!

    My review of insurance: One of my dogs had a small lump removed, results showed it to be a cancer. Claim form completed online. Silence.... My review of insurance: One of my dogs had a small lump removed, results showed it to be a cancer. Claim form completed online. Silence. Then an impersonal contractual letter was sent, excluding the lump from inception of the policy... (excellent Leonardo De Caprio film.) So my advice is to undertake training to become a vet or have your Pet CT scanned, or go to a fortune teller, so you can guarantee all present and future illness are listed before you take out insurance with these w&nkers. I have cancelled 2 policy's that were in place with them. So economically they have made a bad decision. But contractually they are correct... next time a "sorry to hear your dog had cancer...But...." would be a better way to start a communication with a CUSTOMER. ( dog is fine now and will rip the @rse out of anyone from IE who comes near him) Read more Read less

    {"display":"John","full_name":"John","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Pet insurance
    John 31st January 2026
  • 5.00/5

    Would recommend

    Always had positive experiences and have been a customer for many years

    {"display":"Monica","full_name":"Monica","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Pet insurance
    Monica 5th September 2025
  • 5.00/5

    Recent claim

    Unfortunately I needed to make a claim when my little dog fell very ill earlier in 2025. The Insurance Emporium were as helpful as it... Unfortunately I needed to make a claim when my little dog fell very ill earlier in 2025. The Insurance Emporium were as helpful as it was possible to be. I was advised and guided at every step until final settlement. The payouts for hospitalisation of my dog were a bit short of what I had expected but met industry standards. Since my experience I have recvommended them wherever possible. Read more Read less

    {"display":"Paul Helm","full_name":"Paul Helm","avatar":{"url":"\/assets\/uploads\/avatars\/users\/699208.png"}}'s avatar
    Pet insurance
    Paul Helm 5th September 2025
  • 1.00/5

    Why bother with dog insurance with Emporium

    Having just lost my dog with a neurological ailment. Went downhill in hours, 2 emergency out of hours calls, to find Emporium will only pay... Having just lost my dog with a neurological ailment. Went downhill in hours, 2 emergency out of hours calls, to find Emporium will only pay out what they believe to be a fair amount. Find me a vet that charges the fee that Emporium offer, same went with consultation fees. Might as well saved my money over the 13 years he was insured Read more Read less

    {"display":"Joanne R","full_name":"Joanne R","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1.00/5

    Inflexible customer service/communication.

    Missed a payment on 2nd Dec 2024. Was emailed that day and on 16th yes. But this is a busy time of year and I... Missed a payment on 2nd Dec 2024. Was emailed that day and on 16th yes. But this is a busy time of year and I have ADHD and dyslexia so have difficulty with emails. No call. No retry to take funds, no letter. Just cancelled the policy. Called on same day as cancellation and they wanted £10 to re in-state the policy. Read more Read less

    {"display":"Sabina M","full_name":"Sabina M","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1073379.png"}}'s avatar
    Pet insurance
    Sabina M 30th December 2024
  • 1.00/5

    Refused claim

    Cat just diagnosed with kidney disease, made first claim ever with this insurer, refused my claim because my cat had seen a vet 4 years... Cat just diagnosed with kidney disease, made first claim ever with this insurer, refused my claim because my cat had seen a vet 4 years ago they say is connected to this problem even though all test results say otherwise so unfair. Read more Read less

    {"display":"Helen P","full_name":"Helen P","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1072609.png"}}'s avatar
    Pet insurance
    Helen P 21st November 2024
  • 5.00/5

    The best insurer I've come across

    The best insurer I've come across

    {"display":"Kate Gridley","full_name":"Kate Gridley","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1055175.png"}}'s avatar
    Pet insurance
    Kate Gridley 20th November 2024

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