Emerald Life Insurance Plans & Policies.

Insuring Today’s Diversity.

The UK’s award-winning insurance provider for home, pets, travel and weddings.

Home Insurance

  • Cover for coach house, second home, landlord, freeholder and unoccupied.
  • Garage / outbuildings contents cover available.
  • Homophobic property damage covered.
  • Flexible cover options including accidental damage.


Wedding Insurance

  • Wedding cover currently unavailable.
  • Click here to leave details when wedding cover is available.
  • Coverage to include cancellation cover.
  • Flexible Coverage levels.


Travel Insurance

  • Cover starts from £9.44*
  • Structured for single parents, groups and diverse families.
  • 24/7 global medical emergency cover.
  • No need to declatre HIV in most cases.


Pet Insurance

  • Four levels of cover up to £7,500.
  • Monthly instalments at no extra charge.
  • 10% multi-pet discount.
  • Cover from £1.75 per week****


Life Insurance and Long-Term Protection

For those who have found life insurance and/or long-term protection difficult or expensive to obtain, Emerald Life has partnered with Cura Financial Services to offer solutions for these issues.*

In particular, Cura recognised experience in providing longer term cover for people living with HIV or those with mental health issues.

Click below to go to the dedicated Emerald/Cura page.

The Emerald Difference.

With Emerald’s star-rated home, travel, wedding and pet policies you can direct some of your premium to charity at no cost to you.

Great Cover

Fair Pricing

Help Charity

As Seen In

Unique Insurance Made For You

Focus On Inclusion

  • Secure and confidential process with specially trained staff.
  • Travel policy covers foster, adopted and surrogate children.
  • Legal expenses cover for discrimination claims.
  • Cover for many medical conditions including HIV with no automatic premium hikes.

Specialised Customer Service

  • Call centre staff trained to make you feel comfortable, whoever you are.
  • Special travel policy pricing for single parent families.
  • The first insurers to enable customers to identify as’Mx’ or “Pr”.
  • Regular updates on our equality campaigns.

Disability Insurance

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Our Founders

Steve Wardlaw

Steve Wardlaw


Steve Wardlaw is a respected international business lawyer and prominent gay rights campaigner. Ranked highly across leading LGBT lists of influence, he co-founded Emerald Life to change the insurance industry for the better, bringing with him his passion for equality and his zeal for good business.

“The one thing missing for the LGBT community is the ability to pick up the phone, talk to somebody and feel thought about. Everything we do at Emerald has the community at the forefront of our thoughts. We care about the community because we are a part of the community.”

Heidi McCormack

Heidi McCormack


Heidi McCormack is a game-changing business leader, recognised for her thought leadership on the international stage and her impressive career as a senior figure in one of the largest companies in the United States. Her continual track record in growing robust business informs her vision for Emerald’s growth, and her passion for providing Emerald customers with the service and insurance protection they deserve.

“With insurance, it’s time to level the playing field. As Emerald grows we will be listening to the community, and working with it to ensure we all have the protection we need.”

Stewart Vickers

Stewart Vickers

Digital Marketing

Stewart Vickers entered digital marketing while studying History of Art at University College London. He began as an online content writer for a high-end men’s accessories brand, followed quickly by becoming one of the first hires at an online magazine startup alongside editorial alumni from CBS and The Sunday Times where he was involved in making traditional journalism fit modern social media.

“Working with Steve and Heidi in a company that is all about social impact has been a rewarding experience. Since joining we have seen the transformation of our technology to become far more streamlined and user-friendly as we build momentum to help more people find the financial protection that’s right for them.”

Put You & Your Family in Good Hands

Get In Touch


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