Buster, a four-year-old Labrador Retriever
4Paws Reviews
4paws allows you to pay monthly at no extra cost. They also have a 24/7 emergency claims line so you can make a claim any time, anywhere.
Provider
Provider
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4535 reviews found on websites such as TrustPilot
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4Paws Life Plus, Life Premium and Maximum benefit policies are rated 5 Star by Defaqto
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4Paws have a team of dedicated pet specialists ready to help you with your questions
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You can pay monthly for your cover at no extra cost
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4Paws has a UK based dedicated 24/7 emergency claim line
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4Paws aim to approve clams within 5-10 working days
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97% of valid claims are paid
Price Band
Good for
- All policies are rated 5 Star by Defaqto
- Maximum vet fees are 12k per year
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Compare 4Paws pet insurance policies
4Paws offers four different pet insurance policies:
- Time Limited – a time limited, low cost policy that’s designed to help with the costs of veterinary treatment for illness or injury. 4Paws’ Time Limited policy offers cover for up to 12 months per condition and there’s a veterinary fee limit of £3,000 per condition.
- Maximum Benefit – 4Paws’ Maximum Benefit policies offer an enhanced level of cover with an extensive range of added benefits. There’s no time limit on claims, giving you the ability to claim year after year for an ongoing condition, up to the monetary limit for as long as you continue to renew the policy.
- Lifetime – this is 4Paws most comprehensive pet insurance policy. The limit renews every year for as long as you continue to renew your policy. 4Paws also offers Lifetime Contribution Cover. If you contribute 30% towards the cost of each claim, 4Paws can reduce the cost of your policy.
4Paws offers three different levels of cover for Maximum Benefit and Lifetime policies. Benefits and cover limits are detailed in the table below.
Benefit | Standard | Maximum Benefit | Lifetime |
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Veterinary fees | £3,000 per condition for 12 months | Up to £7,000 per condition | Up to £12,000 per year, renewed each policy year |
Complementary treatment | Not included | Up to £1,000 | Up to £1,500 |
Third party liability | £1,000,000 | £1,000,000 | £2,000,000 |
Boarding fees | Not included | Up to £1,250 | Up to £2,000 |
Advertising & reward | Not included | Up to £1,500 | Up to £2,000 |
Theft or straying | Not included | Up to £1,500 | Up to £2,000 |
Death from injury | Not included | Up to £1,500 | Up to £2,000 |
Death from illness | Not included | Up to £1,500 | Up to £2,000 |
Holiday cancellation | Not included | Up to £1,750 | Up to £3,000 |
Emergency repatriation | Not included | Up to £1,000 | Up to £2,000 |
Quarantine or loss of documents | Not included | Up to £1,250 | Up to £1,500 |
Making a claim
If you need to make a claim, you can download a claim form online. 4Paws aims to settle all claims within 5-10 working days. If you have any questions about the claims process, you can contact a member of their team on 01423 535 040. Alternatively, you can submit a contact form online.
Frequently asked Questions
Time Limited policies provide cover for illnesses or injuries for up to 12 months (365 days).
Maximum Benefit policies cover an injury or illness up to the specified limit on the certificate of insurance.
Lifetime policies, however, cover ongoing conditions for the entirety of the pet’s life, as long as there is no break in cover and premiums remain current.
Lifetime policies cover veterinary treatment costs for illnesses or injuries throughout the pet’s lifetime. However, they exclude any condition, including symptoms, that occurred before the policy start date.
While cover is renewable annually, continued coverage for recurring conditions is available if the renewal invitation is accepted. Terms may change over time, and certain treatments may require a contribution from the policyholder once the pet reaches a specific age. Premiums may increase due to factors like age, breed, claims history, and location.
Yes, claims can be paid directly to the vet if the practice is willing to accept payment from the insurer. It’s advisable to check with the veterinary clinic for confirmation.
For Lifetime policies, an excess is payable per condition, each policy year. For Standard & Maximum Benefit policies, a fixed excess is payable per condition. Some policies may also require a contribution excess after the pet reaches a certain age, applied to each claim.
Yes, if the vet claims for something not covered, such as prescription diets, or if the claim exceeds the insured limit, additional costs will need to be covered by the policyholder.
No, like most pet insurance policies, 4Paws does not cover annual vaccinations or preventive healthcare products such as worming and flea treatments.
Under Maximum Benefit or Lifetime policies, pets are covered for treatment abroad for up to 45 days per policy year.
Routine or elective spaying and castration are not covered. However, if a procedure is necessary to treat a diagnosed condition, costs may be considered.
Yes, dental treatment for illnesses or injuries is covered based on the selected policy level, provided the pet has had an annual check-up and any recommended dental treatment was followed. Cosmetic procedures, such as descaling and polishing, are not covered.
All policies cover injuries 24 hours after the start date, while cover for illnesses begins after a 14-day exclusion period.
This refers to any injury or illness that occurred before the policy start date, along with any related conditions.
No, treatments related to pregnancy or breeding are not covered.
Complementary treatments include acupuncture, herbal medication, homeopathy, chiropractic manipulation, hydrotherapy, and osteopathy, as prescribed by a vet.
No, but claims for behavioural illnesses can be made under Veterinary Fees.
Yes, emergency treatment is covered; however, a letter from the vet may be required to confirm that an emergency consultation was necessary.
With Lifetime or Maximum Benefit policies, long-term treatment is covered as long as there’s no break in cover, up to the policy limits.
However, Time Limited policies restrict cover for each condition to 12 months, after which pre-existing conditions will be excluded from future cover.
The cost is based on several factors, including the pet’s age, breed, location, and veterinary fees in the area. A quick quote can be obtained to understand specific costs.
FirstVet provides 24/7 digital veterinary services, offering free video consultations to help assess and advise on the pet’s health before a physical vet visit is needed.
Simply download the FirstVet app and register your pet(s) to access the service.
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