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 and Benefits
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
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 and breed
- 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.