TIE Pet Insurance
The Insurance Emporium (TIE) delivers flexible pet insurance with their unique Elective Benefits system, allowing customers to build personalized coverage. Their policies feature lunar monthly payments and optional benefits like dental coverage, overseas travel, and alternative therapies. With coverage levels up to £8,000 for veterinary fees annually, The Insurance Emporium specializes in customizable protection that grows with your pet's needs.
Coverage Benefits
Vet Fee Coverage
Maximum Vet Fees
Covered for up to £2,500 for each accident with no yearly limit
Claim Limit
£2,500
Vet Fees Excess
You'll pay £75 per accident
Additional Benefits
- Death by Accident Cover: FALSE
- Third Party Liability: FALSE
- Boarding Fees: FALSE
- Lost or Stolen Cover: FALSE
Support Services
- UK-Based Call Centers
Premium & Cost Breakdown
Annual Premiums
Monthly Payment Option
Average monthly payment: £6.7
Number of instalments: 12
Initial deposit required: 0
Premium Distribution
Distribution based on policy data analysis
What Affects Your Premium
- Pet's age, breed, and species
- Coverage level selected (Basic, Standard, or Premium)
- Your location and local vet costs
- Previous claims history
Coverage Highlights
Accident Only CoverMost Popular
Vet Fees
Up to Covered for up to £2,500 for each accident with no yearly limit
Excess
You'll pay £75 per accident
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Lifetime Cover
Vet Fees
Up to Covered for up to £2,500 for each accident with no yearly limit
Excess
You'll pay £75 per accident
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Max Benefit Cover
Vet Fees
Up to Covered for up to £2,500 for each accident with no yearly limit
Excess
You'll pay £75 per accident
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Time Limited Cover
Vet Fees
Up to Covered for up to £2,500 for each accident with no yearly limit
Excess
You'll pay £75 per accident
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Policy Coverage Overview
Premium Range
Minimum
£38.65
Maximum
£60.89
Average
£46.19
Cover Types
- Accident Only
- Lifetime
- Max Benefit
- Time Limited
Coverage Distribution
Dogs
68.3%
Cats
31.7%
Comprehensive Policy Details
| Coverage Feature | Benefit | Details |
|---|---|---|
| Vet Fees | Covered for up to £2,500 for each accident with no yearly limit | Maximum amount claimable for veterinary treatment |
| Death by Accident | FALSE | Payment if your pet dies due to an accident |
| Death by Illness | FALSE | Payment if your pet dies due to illness |
| Third Party Liability | FALSE | Coverage for damage or injury caused by your pet to others |
| Lost or Stolen | FALSE | Coverage if your pet is lost or stolen |
| Advertising & Reward | FALSE | Costs for advertising and reward if your pet is lost |
| Boarding Fees | FALSE | Kennel/cattery fees if you're hospitalized |
| Travel Coverage | Included | Travel-related coverage including quarantine costs |
Fees & Charges
Policy Fees
Excess Information
Standard Excess
£75 - This is the amount you pay towards each new condition claimed for.
Co-Payment
N/A - This is an additional percentage that you pay towards the remaining claim amount after the fixed excess.
Example Claim Calculation
Professional Veterinary Analysis
Veterinary Expert Analysis: TIE Pet Insurance
Tië is an emerging UK pet insurer offering flexible cover options for a new generation of pet owners. With an emphasis on digital convenience and affordability, Tië caters primarily to tech-savvy, budget-conscious owners who prefer managing their policy online.
Professional Veterinary Review
Tië is a promising option for younger pet owners who want simple, low-cost coverage and are comfortable managing everything via an app. Not suited for pets with complex medical histories.
Market Position
Digital challenger brand targeting younger demographics who value convenience over comprehensive coverage.
Pricing Strategy
Budget-friendly, with accident-only and basic illness cover plans for younger pets.
Who Should Consider TIE? Detailed Analysis
Young pet owners and digital natives looking for affordable, app-based pet insurance with flexible terms.
Ideal Pet Owner Profiles
Important Considerations
Key Strengths & Advantages
Modern digital interface for policy management
Quick claims process with app notifications
Affordable entry-level pricing
Important Limitations
Limited coverage for chronic conditions
No direct vet payments
Limited availability of phone-based support
What Makes TIE Stand Out
Fully digital onboarding and claims process
Flexible cover options including accident-only plans
Customizable policies through mobile app
Claims Process Analysis
Tië handles claims entirely online via its mobile app. Users upload invoices and treatment details, and receive updates via push notifications. Claims are typically resolved within 3–5 working days.
Claims Process Highlights:
- • Online claim submission available 24/7
- • Veterinary nurse review team
- • Direct payment to vets where available
- • Average processing time detailed in policy
Customer Service Experience
Customer service is primarily app-based, with support chat and email options. No phone support is available, which may limit accessibility for less tech-savvy customers.
Service Features:
- • UK-based customer service team
- • Online policy management portal
- • Multiple contact channels available
- • Dedicated support for complex cases
Coverage Analysis & Policy Details
Covers accidental injury and basic illnesses. Hereditary, chronic, and dental coverage is limited unless upgraded. Lifetime options not available.
What's Covered
- Veterinary treatment for accidents and illnesses
- Hereditary and congenital conditions (after waiting periods)
- Third party liability coverage
- Death by accident or illness benefits
What's Not Covered
- Pre-existing conditions
- Routine preventive care (vaccinations, worming)
- Pregnancy and breeding-related costs
- Cosmetic or elective procedures
UK Pet Insurance Market Context
Understanding how TIE fits within the broader UK pet insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether TIE's approach aligns with your pet's needs.
Average Vet Bill Cost (Cats)
£1,200
Source: British Veterinary Association 2024
Average Vet Bill Cost (Dogs)
£1,500
Source: British Veterinary Association 2024
Most Common Cat Insurance Claim
Digestive Issues £450
Source: ABI Claims Statistics 2024
Most Common Dog Insurance Claim
Lameness/Limping £750
Source: ABI Claims Statistics 2024
Percentage of Pets with Chronic Conditions
40%
Source: Royal College of Veterinary Surgeons 2024
Pet Insurance Penetration Rate UK
25%
Source: UK Pet Population Survey 2024
Average Annual Pet Insurance Premium (Cats)
£278
Source: Association of British Insurers 2024
Average Annual Pet Insurance Premium (Dogs)
£436
Source: Association of British Insurers 2024
Veterinary Expert Analysis by Dr. Emma Richardson
Dr. Emma Richardson is a qualified veterinarian and pet insurance specialist with over 8 years of experience in both veterinary practice and insurance claims assessment. She holds a degree in Veterinary Medicine from the Royal Veterinary College and has worked with leading UK pet insurers to improve coverage and claims processes.
Professional Qualifications:
Areas of Expertise:
Analysis Methodology: This comprehensive review is based on policy documentation analysis, claims process evaluation, customer feedback assessment, financial strength review, and comparative market analysis. We maintain strict editorial independence and regularly update our reviews to reflect policy changes and market developments.
Last updated: 10/6/2025 | Veterinary review: Current | Market analysis: Updated monthly
Detailed Questions About TIE
How does TIE handle pre-existing conditions?
Like all UK pet insurers, TIE excludes pre-existing conditions from coverage. They define pre-existing conditions as any injury, illness, or symptom that occurs or shows clinical signs before your policy start date or during waiting periods. This includes conditions your vet has noted during examinations, even if no formal diagnosis was made.
What should I expect from TIE's claims process?
Tië handles claims entirely online via its mobile app. Users upload invoices and treatment details, and receive updates via push notifications. Claims are typically resolved within 3–5 working days. Most claims are processed within their advertised timeframe, but complex cases involving specialist treatments or multiple conditions may take longer. Always submit claims promptly with complete veterinary records to avoid delays.
Is TIE suitable for older pets?
TIE's suitability for older pets depends on their specific age limits and premium structure. Many insurers have upper age limits for new policies (typically 7-9 years for dogs, 8-10 for cats) but continue covering pets insured while young. Premiums typically increase with age, and some conditions may become excluded as your pet ages.
How does TIE compare for specific breeds?
TIE may have breed-specific pricing and exclusions. Breeds prone to hereditary conditions (like hip dysplasia in large dogs or heart conditions in certain breeds) may face higher premiums or specific waiting periods. Always check breed-specific terms in your policy documents, as coverage can vary significantly between breeds.
Professional Disclaimer & Transparency
This analysis represents independent veterinary and insurance expertise based on comprehensive policy review, market research, and professional experience. We do not receive compensation from TIE for this review, and our analysis aims to provide balanced, factual information to help pet owners make informed decisions.
Data Sources: Policy documents, regulatory filings, veterinary cost surveys, customer satisfaction research, and comparative market analysis. All information is verified against official sources and updated regularly.
Important: Pet insurance needs vary significantly between individual pets and circumstances. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms carefully before making decisions. Coverage terms and pricing may change, and actual policies will depend on your pet's specific details and health history.
Frequently Asked Questions
How do Elective Benefits work?
Choose additional benefits to add to your base policy, only paying for coverage you need. Options include dental, travel, and therapy coverage.
What is lunar monthly billing?
Lunar monthly payments mean 13 smaller payments instead of 12, making premiums more manageable throughout the year.
Can I change my benefits?
Benefits can be adjusted at renewal, allowing your coverage to evolve with your pet's changing needs.
How are pre-existing conditions handled?
New conditions are covered immediately, while pre-existing conditions may be considered after 24 months symptom-free.
Next Steps with TIE
How to Get Coverage
- Visit TIE's website directly
- Takes about 5-10 minutes to complete
- Have your pet's details ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your pet's age, breed, and health history
- Your location and coverage needs
- Current market conditions and provider pricing
Please contact TIE directly for the most accurate and up-to-date quotes for your specific situation.