Emerald Life was formed in 2015. It is focused on insuring 'today's diversity'.

It is one of the first insurers to allow customers to identify as 'Mx'.

It has an inclusive focus, with tailored policies available to cover things like discrimination, and special travel policies built with single parent families in mind.

It offers a range of standard general insurance policies, such as home, contents, travel, and pet insurance.

Their headquarters are based in London, UK.

Our product ratings for Emerald Life

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Travel insurance

46 products reviewed

Annual multi-trip insurance

12 products reviewed

Emerald Life

Platinum (Standard Cover) (with optional natural disaster cover)

Feature Value
Medical excess
£35.00
Cancelling before travel cover limit
£4,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
Emerald Life

Platinum (Enhanced Cover) (with optional natural disaster cover)

Feature Value
Medical excess
£0.00
Cancelling before travel cover limit
£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£3,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
Emerald Life

Platinum (Enhanced Cover)

Feature Value
Medical excess
£0.00
Cancelling before travel cover limit
£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£3,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
Emerald Life

Platinum (Standard Cover)

Feature Value
Medical excess
£35.00
Cancelling before travel cover limit
£4,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
Emerald Life

Gold (Enhanced Cover)

Feature Value
Medical excess
£100.00
Cancelling before travel cover limit
£2,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
Emerald Life

Gold (Enhanced Cover) (with optional natural disaster cover)

Feature Value
Medical excess
£100.00
Cancelling before travel cover limit
£2,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
Emerald Life

Gold (Standard Cover)

Feature Value
Medical excess
£50.00
Cancelling before travel cover limit
£3,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover Yes
Emerald Life

Gold (Standard Cover) (with optional natural disaster cover)

Feature Value
Medical excess
£50.00
Cancelling before travel cover limit
£3,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover Yes
Emerald Life

Silver (Standard Cover)

Feature Value
Medical excess
£95.00
Cancelling before travel cover limit
£1,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover Yes
Emerald Life

Silver (Standard Cover) (with optional natural disaster cover)

Feature Value
Medical excess
£95.00
Cancelling before travel cover limit
£1,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover Yes
Emerald Life

Silver (Enhanced Cover)

Feature Value
Medical excess
£500.00
Cancelling before travel cover limit
£0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£0.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£0.00
Natural disaster relocation cover No
Emerald Life

Silver (Enhanced Cover) (with optional natural disaster cover)

Feature Value
Medical excess
£500.00
Cancelling before travel cover limit
£0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£0.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£0.00
Natural disaster relocation cover Yes
Single trip insurance

16 products reviewed

Emerald Life

Platinum (Standard Cover) (with optional natural disaster cover)

Feature Value
Cancelling before travel cover limit
£4,000.00
Medical excess
£35.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
Emerald Life

Gold (Standard Cover) (with optional natural disaster cover)

Feature Value
Cancelling before travel cover limit
£3,000.00
Medical excess
£50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover Yes
Emerald Life

Platinum (Enhanced Cover)

Feature Value
Cancelling before travel cover limit
£5,000.00
Medical excess
£0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£3,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
Emerald Life

Gold (Standard Cover)

Feature Value
Cancelling before travel cover limit
£3,000.00
Medical excess
£50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover Yes
Emerald Life

Platinum (Standard Cover)

Feature Value
Cancelling before travel cover limit
£4,000.00
Medical excess
£35.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,500.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
Emerald Life

Platinum (Enhanced Cover) (with optional natural disaster cover)

Feature Value
Cancelling before travel cover limit
£5,000.00
Medical excess
£0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£3,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
Emerald Life

Gold (Enhanced Cover) (with optional natural disaster cover)

Feature Value
Cancelling before travel cover limit
£2,000.00
Medical excess
£100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
Emerald Life

Gold (Enhanced Cover)

Feature Value
Cancelling before travel cover limit
£2,000.00
Medical excess
£100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
Emerald Life

Silver (Standard Cover)

Feature Value
Cancelling before travel cover limit
£1,000.00
Medical excess
£95.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover Yes
Emerald Life

Silver (Standard Cover) (with optional natural disaster cover)

Feature Value
Cancelling before travel cover limit
£1,000.00
Medical excess
£95.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover Yes
Emerald Life

Backpacker Plus (with optional natural disaster cover)

Feature Value
Cancelling before travel cover limit
£2,000.00
Medical excess
£70.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£5,000,000.00
Missed departure cover limit
£550.00
Natural disaster relocation cover Yes
Emerald Life

Backpacker (with optional natural disaster cover)

Feature Value
Cancelling before travel cover limit
£1,000.00
Medical excess
£95.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£500.00
Emergency medical cover and repatriation cover limit
£5,000,000.00
Missed departure cover limit
£550.00
Natural disaster relocation cover Yes
Emerald Life

Backpacker

Feature Value
Cancelling before travel cover limit
£1,000.00
Medical excess
£95.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£500.00
Emergency medical cover and repatriation cover limit
£5,000,000.00
Missed departure cover limit
£550.00
Natural disaster relocation cover No
Emerald Life

Backpacker Plus

Feature Value
Cancelling before travel cover limit
£2,000.00
Medical excess
£70.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£5,000,000.00
Missed departure cover limit
£550.00
Natural disaster relocation cover No
Emerald Life

Silver (Enhanced Cover) (with optional natural disaster cover)

Feature Value
Cancelling before travel cover limit
£0.00
Medical excess
£500.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£0.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£0.00
Natural disaster relocation cover Yes
Emerald Life

Silver (Enhanced Cover)

Feature Value
Cancelling before travel cover limit
£0.00
Medical excess
£500.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£0.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£0.00
Natural disaster relocation cover No
Travel Insurance Covid-19 Cover

6 products reviewed

Emerald Life

Silver (Standard Cover)

Feature Value
Emerald Life

Gold (Standard Cover)

Feature Value
Emerald Life

Platinum (Standard Cover)

Feature Value
Emerald Life

Silver (Enhanced Cover)

Feature Value
Emerald Life

Gold (Enhanced Cover)

Feature Value
Emerald Life

Platinum (Enhanced Cover)

Feature Value
Travel insurance add-on: cruise cover

4 products reviewed

Emerald Life

Platinum (Enhanced Cover)

Feature Value
Missed port departure cover limit
£500.00
Re-joining a cruise cover limit
£500.00
Cabin confinement cover limit
£1,000.00
Missed port departure excess
£35.00
Timetable/itinerary change cover limit
£100.00
Unused excursions cover limit
£750.00
Emerald Life

Silver (Standard Cover)

Feature Value
Missed port departure cover limit
£500.00
Re-joining a cruise cover limit
£250.00
Cabin confinement cover limit
£1,000.00
Missed port departure excess
£0.00
Timetable/itinerary change cover limit
£100.00
Unused excursions cover limit
£750.00
Emerald Life

Gold (Standard Cover)

Feature Value
Missed port departure cover limit
£500.00
Re-joining a cruise cover limit
£250.00
Cabin confinement cover limit
£1,000.00
Missed port departure excess
£0.00
Timetable/itinerary change cover limit
£100.00
Unused excursions cover limit
£750.00
Emerald Life

Platinum (Standard Cover)

Feature Value
Missed port departure cover limit
£500.00
Re-joining a cruise cover limit
£250.00
Cabin confinement cover limit
£1,000.00
Missed port departure excess
£0.00
Timetable/itinerary change cover limit
£100.00
Unused excursions cover limit
£750.00
Travel insurance add-on: gadget cover

2 products reviewed

Emerald Life

Gadget cover extension (Standard Cover)

Feature Value
Available for which products?
Available for all of their travel products
Accidental loss cover Yes
Accidental loss cover limit
£1,000.00
Maximum single-item cover limit
£1,000.00
Emerald Life

Gadget cover extension (Gold)

Feature Value
Available for which products?
Gold,Platinum
Accidental loss cover Yes
Accidental loss cover limit
£1,000.00
Maximum single-item cover limit
£1,000.00
Travel insurance add-on: winter sports

6 products reviewed

Emerald Life

Silver (Standard Cover)

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£250.00
Ski equipment hired
£250.00
Piste closure cover limit
£500.00
Unused ski pass due to illness or injury
£400.00
Emerald Life

Gold (Standard Cover)

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£250.00
Ski equipment hired
£250.00
Piste closure cover limit
£500.00
Unused ski pass due to illness or injury
£400.00
Emerald Life

Platinum (Standard Cover)

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£250.00
Ski equipment hired
£250.00
Piste closure cover limit
£500.00
Unused ski pass due to illness or injury
£400.00
Emerald Life

Gold (Enhanced Cover)

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£250.00
Ski equipment hired
£250.00
Piste closure cover limit
£500.00
Unused ski pass due to illness or injury
£400.00
Emerald Life

Silver (Enhanced Cover)

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£250.00
Ski equipment hired
£250.00
Piste closure cover limit
£500.00
Unused ski pass due to illness or injury
£400.00
Emerald Life

Platinum (Enhanced Cover)

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£250.00
Ski equipment hired
£250.00
Piste closure cover limit
£250.00
Unused ski pass due to illness or injury
£400.00