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
- Platinum (Standard Cover) (with optional natural disaster cover)
- Platinum (Enhanced Cover) (with optional natural disaster cover)
- Platinum (Enhanced Cover)
- Platinum (Standard Cover)
- Gold (Enhanced Cover)
- Gold (Enhanced Cover) (with optional natural disaster cover)
- Gold (Standard Cover)
- Gold (Standard Cover) (with optional natural disaster cover)
- Silver (Standard Cover)
- Silver (Standard Cover) (with optional natural disaster cover)
- Silver (Enhanced Cover)
- Silver (Enhanced Cover) (with optional natural disaster cover)
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
- Platinum (Standard Cover) (with optional natural disaster cover)
- Gold (Standard Cover) (with optional natural disaster cover)
- Platinum (Enhanced Cover)
- Gold (Standard Cover)
- Platinum (Standard Cover)
- Platinum (Enhanced Cover) (with optional natural disaster cover)
- Gold (Enhanced Cover) (with optional natural disaster cover)
- Gold (Enhanced Cover)
- Silver (Standard Cover)
- Silver (Standard Cover) (with optional natural disaster cover)
- Backpacker Plus (with optional natural disaster cover)
- Backpacker (with optional natural disaster cover)
- Backpacker
- Backpacker Plus
- Silver (Enhanced Cover) (with optional natural disaster cover)
- Silver (Enhanced Cover)
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
- Silver (Standard Cover)
- Gold (Standard Cover)
- Platinum (Standard Cover)
- Silver (Enhanced Cover)
- Gold (Enhanced Cover)
- Platinum (Enhanced Cover)
Emerald Life
Silver (Standard Cover)
| Feature | Value |
|---|---|
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Emerald Life
Gold (Standard Cover)
| Feature | Value |
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Emerald Life
Platinum (Standard Cover)
| Feature | Value |
|---|---|
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Emerald Life
Silver (Enhanced Cover)
| Feature | Value |
|---|---|
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Emerald Life
Gold (Enhanced Cover)
| Feature | Value |
|---|---|
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Emerald Life
Platinum (Enhanced Cover)
| Feature | Value |
|---|---|
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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
- Silver (Standard Cover)
- Gold (Standard Cover)
- Platinum (Standard Cover)
- Gold (Enhanced Cover)
- Silver (Enhanced Cover)
- Platinum (Enhanced Cover)
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
|