Emerald Life

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.

Emerald Life
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We don't currently rate Emerald Life in our Customer Experience Ratings.

Home insurance (building and contents)

Emerald Life

Core Home Insurance

2 stars
Matching sets i
Theft from outbuildings cover limit i £1,000
Escape of water excess i £250
Alternative accommodation cover limit i £100,000
Cover for keys if lost i £500
Money in the home i £750
Replace belongings new for old i
24hr helpline i

Emerald Life

Core+ Home Insurance

2 stars
Matching sets i
Theft from outbuildings cover limit i £1,000
Escape of water excess i £250
Alternative accommodation cover limit i 20% of sum insured
Cover for keys if lost i £500
Money in the home i £750
Replace belongings new for old i
24hr helpline i

Emerald Life

Premier Home Insurance

2 stars
Matching sets i
Theft from outbuildings cover limit i 5% of sum insured
Escape of water excess i £500
Alternative accommodation cover limit i Sum insured
Cover for keys if lost i Sum insured
Money in the home i £2,000
Replace belongings new for old i
24hr helpline i

Buildings insurance

Emerald Life

Core Home Insurance

1 stars
Finding & repairing a leak cover limit i £1,000
Cover for keys if lost i £500
Matching sets i
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i £500
Compulsory excess i £250
Escape of water excess i £250
24hr helpline i
Property owner liability i £2,000,000

Emerald Life

Core+ Home Insurance

1 stars
Finding & repairing a leak cover limit i £1,000
Cover for keys if lost i £500
Matching sets i
Alternative accommodation cover limit i 20% of sum insured
Cover for keys if stolen i £500
Compulsory excess i £250
Escape of water excess i £250
24hr helpline i
Property owner liability i £2,000,000

Emerald Life

Premier Home Insurance

1 stars
Finding & repairing a leak cover limit i Sum insured
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i Sum insured
Cover for keys if stolen i Sum insured
Compulsory excess i £500
Escape of water excess i £500
24hr helpline i
Property owner liability i £2,000,000

Contents insurance

Emerald Life

Core Home Insurance

2 stars
Theft from outbuildings cover limit i £1,000
Matching sets i
Cover for keys if lost i £500
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i 20% of sum insured
Money in the home cover limit i £750
Cover for keys if stolen i £500
24hr helpline i

Emerald Life

Core+ Home Insurance

2 stars
Theft from outbuildings cover limit i £1,000
Matching sets i
Cover for keys if lost i £500
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i 20% of sum insured
Money in the home cover limit i £750
Cover for keys if stolen i £500
24hr helpline i

Emerald Life

Premier Home Insurance

2 stars
Theft from outbuildings cover limit i 5% of sum insured
Matching sets i
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i Sum insured
Money in the home cover limit i £2,000
Cover for keys if stolen i Sum insured
24hr helpline i

Pet insurance

Cat insurance

Emerald Life

Emerald Level 2

4 stars
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £200
Euthanasia cover limit i £3,000
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 8 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i Optional

Emerald Life

Emerald Level 3

4 stars
Vet fees cover limit per condition i £6,000
Dental cover (if due to an accident) i £6,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £6,000
CT scans i £6,000
MRI scans i £6,000
Prescription diet (treatment of bladder stones only) i £200
Euthanasia cover limit i £6,000
Cremation i £0
Complementary treatment i £1,500
Age when compulsory excess rises i 8 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i Optional

Emerald Life

Emerald Level 4

4 stars
Vet fees cover limit per condition i £7,500
Dental cover (if due to an accident) i £7,500
If renewed, are existing conditions covered? i
Cruciate ligament damage i £7,500
CT scans i £7,500
MRI scans i £7,500
Prescription diet (treatment of bladder stones only) i £200
Euthanasia cover limit i £7,500
Cremation i £0
Complementary treatment i £1,875
Age when compulsory excess rises i 8 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i Optional

Emerald Life

Emerald Level 1

2 stars
Vet fees cover limit per condition i £1,000
Dental cover (if due to an accident) i £1,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £1,000
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £200
Euthanasia cover limit i £1,000
Cremation i £0
Complementary treatment i £250
Age when compulsory excess rises i 8 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i Optional

Dog insurance

Emerald Life

Level 3

3 stars
Vet fees cover limit per condition i £6,000
Dental cover (if due to an accident) i £6,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £6,000
CT scans i £6,000
MRI scans i £6,000
Prescription diet (treatment of bladder stones only) i £200
Euthanasia cover limit i £6,000
Cremation i £0
Complementary treatment i £1,500
Age when compulsory excess rises i 8 years
Amendment fee i £0

Emerald Life

Level 4

3 stars
Vet fees cover limit per condition i £7,500
Dental cover (if due to an accident) i £7,500
If renewed, are existing conditions covered? i
Cruciate ligament damage i £7,500
CT scans i £7,500
MRI scans i £7,500
Prescription diet (treatment of bladder stones only) i £200
Euthanasia cover limit i £7,500
Cremation i £0
Complementary treatment i £1,875
Age when compulsory excess rises i 8 years
Amendment fee i £0

Emerald Life

Level 2

3 stars
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £200
Euthanasia cover limit i £3,000
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 8 years
Amendment fee i £0

Emerald Life

Level 1

1 stars
Vet fees cover limit per condition i £1,000
Dental cover (if due to an accident) i £1,000
If renewed, are existing conditions covered? i
Cruciate ligament damage i £1,000
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £200
Euthanasia cover limit i £1,000
Cremation i £0
Complementary treatment i £250
Age when compulsory excess rises i 8 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

Emerald Life

Premier

4 stars
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £300
Combined passport & travel cover limit i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 45 days
3 stars
Cancelling before travel cover limit i £3,000
Medical excess i £100
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Emergency medical cover and repatriation cover limit i £5,000,000
Mental health cover i
Lost or stolen cash i £250
Combined passport & travel cover limit i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 31 days

Single trip insurance

Emerald Life

Premier

4 stars
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £500
Missed departure cover limit i £1,000
4 stars
Cancelling before travel cover limit i £3,000
Medical excess i £100
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Emergency medical cover and repatriation cover limit i £5,000,000
Lost or stolen cash i £250
Combined passport & travel cover limit i £500
Missed departure cover limit i £700

Travel insurance add-on: cruise cover

1 stars
Missed port departure cover limit i £2,000
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £500
Missed port departure excess i £130
Timetable/itinerary change cover limit i £300
Unused excursions cover limit i £500

Emerald Life

Premier

1 stars
Missed port departure cover limit i £2,000
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £500
Missed port departure excess i £110
Timetable/itinerary change cover limit i £300
Unused excursions cover limit i £500

Travel insurance add-on: winter sports

Emerald Life

Premier

3 stars
Ski equipment owned cover limit i £1,300
Single owned item cover limit i £350
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200
Avalanche closure cover limit i £200
Piste closure cover limit i £200
Ski equipment owned excess i £50
Ski equipment hired i £1,300
Single item limit for hired equipment i £250
Unused ski pass due to illness or injury i £150
2 stars
Ski equipment owned cover limit i £1,300
Single owned item cover limit i £350
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200
Avalanche closure cover limit i £200
Piste closure cover limit i £200
Ski equipment owned excess i £100
Ski equipment hired i £1,300
Single item limit for hired equipment i £250
Unused ski pass due to illness or injury i £150

Travel Insurance Covid-19 Cover

Emerald Life

Premier

2 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)
2 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)