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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.

8.9 /10
Based on 4535 reviews
#4 of 10 multi-pet insurers
  • 4535 reviews found on websites such as TrustPilot
  • 4Paws Life Plus, Life Premium and Maximum benefit policies are rated 5 Star by Defaqto
  • 4Paws have a team of dedicated pet specialists ready to help you with your questions
  • You can pay monthly for your cover at no extra cost
  • 4Paws has a UK based dedicated 24/7 emergency claim line
  • 4Paws aim to approve clams within 5-10 working days
  • 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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Buster, a four-year-old Labrador Retriever

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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
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

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4Paws offer Standard, Maximum Benefit and Lifetime policies.  

4Paws cover pets from 6 weeks old. 

No, as with many other pet insurance companies, they don't cover annual vaccinations or other preventative treatment such as wormers and flea treatment.

Yes, but only if you have a maximum benefit or lifetime policy.  These policies will cover up to 45 days abroad per policy year. 

4Paw’s claims team are on hand, day or night, 7 days a week to help deal with your claim. 4Paws try to deal with your claim within 5-10 working days, providing all the information you have given is correct.

According to 4Paws, 97% of claims are paid.

Multi-Pet Insurance Guides

Check out our insurance guides for more information