This is the second time I have needed to claim, both times I have been very impressed with the telephone advice and the speed of the claim being completed. Would definitely recommend 4paws pet insuran... Toon meer
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Lees wat reviewers zeggen
Unfortunately, our little angel was diagnosed with Lymphoma and she passed away. I hope no one goes through this pain. During this difficult time, we never had to worry about chasing 4Paws - they made... Toon meer
Bedrijf heeft geantwoord
I was initially sceptical about choosing a smaller insurance company, but I’m very glad I did. After a recent vet claim, 4Paws handled everything quickly and smoothly (from the first enquiry to payout... Toon meer
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Initially I was given the green light for the procedure needed for my girls care. After I'd paid for it and the forms were sent off I was told it needed to be spilt into 3 different claims. A heart sc... Toon meer
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Bedrijfsgegevens
Over 4Paws Pet Insurance
Geschreven door het bedrijf
Like you, we love our pets, which is why we’ve created a comprehensive range of products providing you and your pet with different levels of cover to suit every budget.
We pride ourselves on our 5 Star Defaqto rated policies and have been awarded the Feefo Platinum Service award for customer excellence for the 4th year in a row with a customer service rating is 4.6/5 from over 3800 reviews.
We go the extra mile and offer our policyholders unlimited free 24/7 video consultations with a registered vet through the FirstVet app.
Our claims are settled in house by our experienced and compassionate UK based advisors. Cover can start from as early as six weeks old and payments can be paid directly to your vet if required.
Find out more about 4Paws Pet Insurance and discover why we’re rated ‘Excellent’ on Trustpilot.
visit the website
Contactgegevens
59 Copthall Bridge, Station Parade, HG1 1TT, Harrogate, Verenigd Koninkrijk
- 01423535040
- petclaims@4paws.co.uk
- 4paws.co.uk
3,8
Goed
751 reviews
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Great service regarding life long…
Great service regarding life long condition ,and quick payment once claim was received after a emergency operation was needed.
1 december 2025
Antwoord van 4Paws Pet Insurance
Good afternoon
Thank you so much for taking the time to leave this lovely review.
We’re really pleased to hear you felt well supported with your pet’s lifelong condition, especially around such a stressful time with an
emergency operation.
It’s great to know the claim was processed and paid quickly for you.
Wishing your pet a smooth recovery and many happy, healthy days ahead.
If you ever need anything else, we’re here to help.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Waste your money
Have held insurance since dogs birth.
Paid every month, but surprise surprise, when we need to claim, we're not covered on technicalities 😂😂😂 Please take my money sir...don't worry about my claim, we'll pay it no problem. Absolute joke these people are, as are all these companies
26 januari 2026
Review zonder uitnodiging
Antwoord van 4Paws Pet Insurance
Good morning
Thank you for taking the time to leave a review and I’m really sorry to hear how disappointed you are.
We assess all claims in line with the Policy Terms and Conditions, which are provided at the start of the Policy and again at each renewal.
Without access to your specific policy and claim details, I’m unable to explain exactly why we weren’t able to cover your claim on this occasion as I do not have access to your Policy details from the information provided.
However, if you’d like us to look into this in more detail and explain our decision, please contact us on 01423 535040 and ask for the claims team. We’ll be happy to review everything with you and discuss our reasoning.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Avoid at all cost
Avoid at all cost. It took over 3 months to deal with my claims, they asked me over and over the same information. I kept sending everything and they asked again and again…
My cat has been diagnosed with kidney disease last year, his first ever issue. He is now almost 14 years old so for the 2026 renewal the cost went from £360 to £872 - so more than house or car insurance. They obviously know that at that point we don’t have a choice if we want to keep an insurance. There should be more regulations and a limit on how much price increases… it is despicable.
19 januari 2026
Review zonder uitnodiging
Antwoord van 4Paws Pet Insurance
Good morning
Thank you for taking the time to leave this feedback, and I’m really sorry for the experience you’ve had.
Waiting over three months for your claim to be resolved and being asked repeatedly for the same information is not the level of service we want to provide. However we are unable to process claims without receiving all the information, and without specific policy details I am unable to confirm the exact reason we delayed your claim.
I understand how frustrating and stressful that must have been, especially when you were already worried about your cat and dealing with a kidney disease diagnosis.
I’m also very sorry to hear your concern about the renewal premium increase. We absolutely recognise that when a pet is older and has an ongoing condition, it can feel like there is little choice but to continue the cover, and I understand why this feels unfair and upsetting.
We’d really like to look into what has happened in detail - both around the claim handling and the renewal pricing - and see if there is anything further we can do, as well as learn from this.
If you’re happy to, please contact us directly with your policy number and claim details so we can review your case fully and respond to you personally.
Thank you again for raising this - your feedback is important and helps us improve.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Efficient
Unfortunately I have had to make two claims in the last 12 months but on each occasion they have been dealt with quickly and efficiently. Would highly recommend this company.
30 december 2025
Antwoord van 4Paws Pet Insurance
Hi Helen,
Thank you for your review, we appreciate you sharing your positive experience with us here at 4Paws.
We're happy to hear that your claims were handled quickly and efficiently.
We hope Scotty is recovering well and wish you a Happy New Year.
Kind regards
Chloe
Pet claims assessment supervisor
First class customer service
28 november 2025
Antwoord van 4Paws Pet Insurance
Good morning Mr Booth,
Thank you so much for taking the time to leave us with 5-star review.
We aim to provide all our wonderful customers with the very best service.
We hope Tolly is doing well and we wish all the very best for the New Year.
Kind regards
Chloe
Pet claims assessment supervisor
They will increase your monthly payments and reject any claim if they can - they just want to make as much money as they can.
Quite simply this is an insurance company that is keen to make as much money from their customers as possible. The only positive is that they have the video vet service included in the plan.
As an anxious pet owner I have only ever followed veterinary advice (and have done so to the letter). However they will scrutinise your vet notes for *any* sign that they can reject a claim.
When my beloved cat died they rejected a £3000 claim on the grounds of it being a ‘pre-existing condition’ even though it was simply impacting the same organ (the bladder) that had been cause of a vet visit 10 years prior (and my own vet said you could not reasonably link the two). The stress of dealing with the company on top of losing my cat was unbearable.
I now feel trapped as my other cat has a life policy with 4Paws. The yearly rate has gone up exponentially despite having never made a claim - the rate has gone from just under £20 a month to nearly £70. I am now needing to make a claim (pre-authorisation) and they are querying me and my vet at every stage. My vet said that they have not experienced an insurance company like it.
At a time when you are at your most vulnerable they cause undue stress and anxiety. I would not recommend that anyone start a policy with 4Paws.
22 december 2025
Review zonder uitnodiging
Antwoord van 4Paws Pet Insurance
Good morning
Thank you for taking the time to share how you’re feeling - I’m really sorry to hear about the experience you’ve had, especially at such a difficult time with your cat. Losing a pet is incredibly hard, and the last thing we would ever want is to add to your stress or upset.
All of our claims are assessed in line with the Policy Terms and Conditions, including how we review any potential pre-existing conditions.
We completely understand how frustrating and upsetting it can feel when a claim is declined or queried, particularly when you’ve followed your vet’s advice throughout.
From what you’ve shared here, we don’t have enough specific information (such as your policy or claim details) to look into this fully or comment on the decisions that were made.
We’d really like the opportunity to review this properly for you.
Please contact us directly so we can go through your policy and claims in detail and see what’s happened and what, if anything, we can do next.
If you already have a reference number or any recent correspondence, having that to hand when you get in touch will help us pick things up more quickly.
Again, I am very sorry for the upset this has caused you, and we do appreciate you sharing your feedback.
Kind regards
Lauren
Pet Claims Assessment Team Leader
So far so good
So far so good
Sorted claim out promptly without too stress. As a new pet owner, I find the first vet video call service particularly useful.
10 juli 2025
Antwoord van 4Paws Pet Insurance
Good Morning
Thank you so much for your feedback - I’m really glad to hear things have gone smoothly so far and that your claim was sorted promptly
without too much stress.
It’s great to know the First Vet video call service has been especially helpful for you as a new pet owner.
If you need anything else or have any questions as things progress, we’re always here to help.
Kind regards
Lauren
Pet Claims Assessment Team Leader
When we had to take our little cat…
When we had to take our little cat knowing we were insured with 4 paws took considerable stress out our experience,we received excellent service as our claim was dealt with promptly with great service.
18 november 2025
Antwoord van 4Paws Pet Insurance
Hi Michael
Thank you so much for your lovely feedback.
We’re really glad that being insured with 4Paws helped take some of the stress out of a difficult time for you and Mia, and that your claim was handled promptly with the service you deserved.
If you ever need us again, we’re here to help.
Kind regards
Lauren
Pet Claims Assessment Team Leader
My claim went smoothly and I was…
My claim went smoothly and I was reimbursed in good time
1 oktober 2025
Antwoord van 4Paws Pet Insurance
Hi there Deborah
Thank you for your feedback - we really appreciate it.
I’m glad to hear your claim went smoothly and that you were reimbursed in good time.
If you need anything else in future, we’re here to help.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Lovey team at 4Paws
Lovey team at 4Paws! Super efficient, getting the job done faster than I could wish for! Thank you for all you’ve done for me :)
9 december 2025
Review zonder uitnodiging
Antwoord van 4Paws Pet Insurance
Good afternoon Sophie
Thank you so much for your lovely feedback!
We’re really pleased we could get everything sorted quickly for you and that you’ve had such a positive experience with the 4Paws team.
I have passed your lovely comments over to the team.
If you ever need anything else, we’re always here to help 🙂
Kind regards
Lauren
Pet Claims Assessment Team Leader
Prices naturally get higher but I think…
Prices naturally get higher but I think they are relying on people not checking. Renewal more expensive than a new policy holder!
8 december 2025
Review zonder uitnodiging
Antwoord van 4Paws Pet Insurance
Good afternoon,
Thank you so much for taking time out of your day to provide us with feedback, and I am sorry to hear that you have been unhappy with the service you have received so far.
Here a 4Paws we appreciate the prices that can accrue over the time that a policy remains active.
As I am sure you can understand the ever increasing costs of medical care for our pets combined with the increase in the potential of medical treatment being required, are factors we have to consider to ensure we are able to provide the best service possible at the time you need us the most.
Regarding any lower quotations you may have found on a new insurance policy please note the below factors that may contribute to the lower costs:
• Many new insurance policies across the market including our own may not look to cover what is called pre-existing conditions. This can include any illness, Injury or disease your vets confirm your pet has shown the first clinical signs of prior to the start date of the new policy.
• It is also increasingly common for new pet insurance policies to place a deferment period where as an example the first 14 days may be without cover for illnesses. Injuries may also not initially covered but the time scale varies between providers. Our policies do not cover for the first 14 days for illnesses or the first 24 hours for injuries.
• Between any two different policies there can be a number of differences in factors such as premiums, excess, contributions, policy terms and exclusions that could make up for the difference in cost.
Should you wish to discuss this in further detail or have any questions please do not hesitate to contact us on 01423 535040.
Kind regards,
James
4Paws Pet Insurance
Pet Team
I was not confused as I realised that…
I was not confused as I realised that you would take the £150 and then the 30% excess off of the claim but I was told you weren`t going to pay for the calming tablets I bought for Nico for the firework period, of course you weren`t and I told you that I paid for them separately, so they definitely weren`t claimed for, the vet doesn`t understand the problem with the claim and why the amount we paid for Nicos` biopsy and for the operation don`t match the amounts you quote, maybe you don`t pay for the painkillers he was given on discharge ?? but there was a difference of at least £30, which might not be much to you but it is to your customers especially as our first renewal went up considerably. This is the first time we have ever claimed, in fact on any insurance and I think we would have been better off opening a savings account for unforeseen incidents like this.
1 december 2025
Review zonder uitnodiging
Antwoord van 4Paws Pet Insurance
Good morning
Thank you for your message and for explaining your concerns so clearly.
I’m sorry for the confusion and frustration this claim has caused, especially on your first ever insurance claim and following a renewal increase - I do understand why the difference in amounts is worrying.
So that we can look into this properly for you, please contact us and we will provide a full breakdown of your claim and exactly what we have settled, including what has and hasn’t been covered (for example any medication or discharge items).
We can then go through this with you step by step to make sure everything is clear and correct.
Our office opening hours are Monday - Friday 9am - 6pm. Please call us on 01423 535057 or email us at petclaims@4paws.co.uk.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Claim was dealt with efficiently with…
Claim was dealt with efficiently with regular updates and clear information.
3 december 2025
Antwoord van 4Paws Pet Insurance
Hi there
Thank you so much for your feedback. I’m really pleased to hear you felt your claim was handled efficiently and that the updates and information were clear.
We really appreciate you taking the time to let us know.
Should you need us again in the future, please do reach out.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Very expensive, reject claims
I've been with them for 7 years and the first claim I opened after all this period they just rejected not to mention long and tedious process if me providing them with all the paperwork and endless correspondence with them. Now I found a lot of much cheaper per insurances.
3 december 2025
Review zonder uitnodiging
Antwoord van 4Paws Pet Insurance
Hi there
As replied on your previous review.
Thank you for taking the time to share your feedback, and I’m really sorry to hear about your experience - especially after being insured for so many years and only now needing to claim.
I completely understand how frustrating it must feel to be waiting over a month for your first claim to be processed, particularly when you’ve provided everything requested from both yourself and your vets.
That’s not the experience we want for our customers, and I’m sorry we’ve let you down here.
Although I can’t access your policy or claim details from here, your comments are important and I’d really like to see this properly reviewed.
Please contact the team directly so we can:
Check the status of your claim and what is causing the delay.
Confirm whether any further information is needed.
If you’ve already raised a complaint, this will be formally investigated and you’ll receive a response outlining what’s happened and what we’re doing about it.
Thank you again for your loyalty over the last seven years and for sharing how you feel - even though it’s negative, it helps us see where we need to do better.
We look forward to being able to resolve this for you.
Kind regards
Lauren
Pet Claims Assessment Team Leader
*spoiler alert* Pet insurance that pays.
Any company can sell you a product you need but the real test comes when you need to make a claim. 4 paws are hands down the absolute best brokers I’ve ever had to deal with. From the initial claim to settling they have kept me up to date and informed with text, email and phone calls. It’s hard enough having a poorly pet, with the financial worry and stress of dealing with insurance. Genuinely the kindest, reassuring and most understanding agents. Highly recommend!
26 november 2025
Antwoord van 4Paws Pet Insurance
Good afternoon Mrs Kynaston
Thank you so much for your lovely feedback and recommendation - it really means a lot.
We know how stressful it is when a pet is unwell, so I’m very glad the team were able to keep you updated and make things a little easier with the texts, emails and calls.
It’s great to hear you felt supported and reassured throughout your claim. That is exactly what we are here for!
Thank you again for taking the time to share your experience, I will be sure to pass this on to the team.
We hope Jaxx is making a full recovery, sending him lots of cuddles from us here at 4Paws.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Beware come renewal time...
I really haven't been happy with the way renewal has been handled or the attention to detail surrounding communication with this company.
I insured my younger dog with them last year. Reading reviews then, they seemed OK and the premium for the cover offered was competitive. Renewal time came round last week and I found the increase in price I was offered was steep: my dog has turned 4 and I have never made a claim for him. They wanted it roughly £15 a month more for next year at £42 a month. I ran the details through a few price comparision sites and, sure enough, there were many cheaper including lots with comparable levels of cover. Also, for new customers, 4Paws itself was offering a premium of £32 for the same level of cover. I emailed them and offered the chance to negotiate on price based on what I had found. It's the usual thing to do with most forms of insurance. I got a boiler-plate reply a few days later telling me about rising vet costs, continuation of cover and my pet's age. Now, this isn't my first rodeo. I've insured my pets for over 16 years. He's not my first dog. My older dog is currently insured somewhere else and I've had to make a few big claims for him, including 2 this year related to cancer treatment, so I am *really* aware thank you of the rising costs of veterinary treatment and diagnosis. My older dog's premiums went up this year with the sort of increase I would expect given his age and other circumstances.
Anyway, I replied back with words to this effect and then got the following: 'The reason for this is whilst what it can cover in a monetary sense may be like for like, the current policy is now associated with XXX's medical records from 30/11/2024, meaning what the policy can actually cover is not like for like."
Why is it associated with his medical records? I've never made a claim. This sounds like fobbing off to me. I've had many animals I've insured and never encountered this as justification.
Still not satisfied that this justified such a large price increase, I have asked not to renew and have gone to my other dog's insurer, LV, who are not the cheapest but offer a great range of cover (I have read the small print, I always do) but I know will pay out and I know won't extort me come insurance renewal time so will be good for professional lifetime cover.
Oh, and do be careful if your email account uses two addresses because apparently this is a huge problem for them in terms of data protection.
19 november 2025
Review zonder uitnodiging
Antwoord van 4Paws Pet Insurance
Hi there,
Thank you for taking the time to share such detailed feedback, and I’m genuinely sorry that your renewal experience has left you feeling unhappy and let down.
You should be able to expect clear, personalised communication and a transparent explanation for any price changes.
I’m sorry that the responses you received felt generic and did not fully address the points you raised, especially given your experience with pet insurance and the effort you made to compare cover and premiums.
In terms of pricing, renewal premiums are influenced by a number of factors, including age, overall claims trends and increasing veterinary costs, but I appreciate that this does not, on its own, explain why you were quoted significantly more than new business prices or why you felt your concerns were not properly considered.
Where we refer to a policy being associated with a pet’s medical records, this is intended to reflect that, at renewal, we use any known medical history to determine what the policy can cover on a continuing basis. However, I understand that, in your case where no claims have been made, this explanation came across as dismissive and confusing, and I am sorry for that.
I’m also sorry for the frustration you experienced around email addresses and communication - this should be handled smoothly and without creating additional barriers for you.
Although you’ve chosen to insure your dog elsewhere, your feedback is extremely valuable and will be used to review how we handle renewals, price discussions and customer communication so we can improve.
If you would like us to formally review your renewal and the correspondence you received, we can arrange this and provide you with a full written response.
Thank you again for sharing your experience and for the time you spent with us.
Kind Regards
Lauren
Pet Claims Assessment Team Leader
Ridiculous renew prices and policy conditions
After being with 4Paws for over six years, we have not renewed based on high rising renewals and the policy conditions. Our dog was given medication three months prior to the renewal (which I took through the policy) and was unable to renew the policy as it went from £90 to £140 a month. I informed 4Paws when I got a renewal price that I couldn’t renew as the renewal price was getting out of hand (£140 a month!) and was then told that I would need to pay for the medication that was left over beyond the policy ending! I was informed that I couldn’t return the medication left and was charged £2 a tablet plus fees. So it felt like a case of renew or pay up. I spoke to the vet that we are with and they stated that they have never heard of this situation from an insurer and even spoke to 4Paws with no luck. I will never be going back to 4Paws and advise others to be aware and read the policy thoroughly.
1 oktober 2025
Review zonder uitnodiging
Antwoord van 4Paws Pet Insurance
Good afternoon Mr Gaskell
Thank you for taking the time to share your experience, and I’m
really sorry to hear how disappointed and frustrated you’ve been left feeling.
I appreciate that you had been with 4Paws for many years, and seeing your premium increase from £90 to £140 a month, particularly while your dog was on ongoing medication, will understandably have been very upsetting.
You should never feel that you are in a “renew or pay up”
position, and I’m sorry that this is how the situation came across.
In relation to the remaining medication, most policies state that any
treatment or medication which continues beyond the end of the policy is only covered while the policy is active. This can sometimes mean that any remaining medication supplied after the policy ends is not covered and becomes payable by the policyholder.
However, this should have been explained to you clearly and sensitively at the time, and I’m sorry that you and even your vet felt this was not handled helpfully.
I’d really like to make sure your concerns are fully reviewed. If you
would like us to look into this in more detail, including the premium
increase and the decision regarding the medication, please contact us so a formal review can be carried out and a full explanation provided.
Thank you again for your feedback - it is important and helps us
identify where we need to improve.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Exemplary service!
4Paws have been incredibly helpful at every stage of the claim: always patient to explain process, always demonstrating empathy and compassion and helping to solve any problems at any point.
13 november 2025
Antwoord van 4Paws Pet Insurance
Good morning Ms Clark
Thank you so much for the lovely feedback - that means a lot to us.
I’m delighted you felt supported and kept informed throughout.
If there’s anything else you need, or if we can make things even easier next time, just let us know.
Wishing you and Yoda all the very best.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Pushy sales non human like experience
Never claimed but premiums were low till renewal, even with no prior conditions and a new policy quote inflated the price. Went elsewhere for same cover half the price,
Sales were awful so pushy kept telling me if I left them my cat would probably get ill during the new policy 14 day no claim window. Sickening experience to be even saying things like that to get a sale or keep customers.
4 november 2025
Review zonder uitnodiging
Antwoord van 4Paws Pet Insurance
Good afternoon,
Thank you for taking the time to share your feedback.
At renewal, premiums can change for several reasons, including your pet’s age and breed, increases in veterinary treatment costs, and the continuation of cover for any conditions noted since your policy began.
When a customer chooses to move to another provider, we have a duty to explain that pre-existing conditions may not be covered by a new policy and that new policies may be subject to a deferment period.
I’m sorry that our service did not meet your expectations on this occasion. I am unable to locate any policy here at 4Paws Pet Insurance under your name provided.
If you wish for us to look into this further, please send us the following to PetRenewals@4paws.co.uk so we can investigate immediately:
Policy number
Full name and postcode
Email used to purchase
Kind regards,
Danny
The Pet Team
Proceed with caution
I have been with 4 paws for several years now, and I am honestly starting to feel trapped within the scheme. I've had no issues with payout, however my price plan seems to increase by £100 yearly, despite the claim being the same each year. Last year they said it was due to how much I had claimed, however I have since claimed the same, and it has risen again. Unfortunately with this, it's hard to move as a new insurance company might not cover your pet if they have a pre existing condition. I would proceed with caution.
6 november 2025
Review zonder uitnodiging
Antwoord van 4Paws Pet Insurance
Good afternoon,
Thank you for taking the time to provide us with feedback.
When a policy comes up for renewal, there are various factors that can affect the price. These include your pet’s age and breed, the rising costs in veterinary fees and the continuation of cover for any medical history notes that may have been made since your policy started. Any claims made will also have an impact on the renewal price for up to two years.
I am sorry that you feel that we have missed the mark in terms of service on this occasion.
If you would like to discuss this in further detail, please do not hesitate to contact us.
Kind regards,
Danny
The Pet Team
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