Everyone at 4Paws is friendly and helpful and my claim last year was dealt with quickly and efficiently. My only criticism is that there was no 'wiggle' room on the renewal price.
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Review summary
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Reviews shaping this summary
Good progress information and handled quickly. This was my first claim on 7.5 year old dog and i hadnt read the small print about 15% deduction for 'old' dogs. Hence sum covered was less than i though... See more
Company replied
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, des... See more
Company replied
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 kep... See more
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Company details
About 4Paws Pet Insurance
Written by the company
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
Contact info
59 Copthall Bridge, Station Parade, HG1 1TT, Harrogate, United Kingdom
- 01423535040
- petclaims@4paws.co.uk
- 4paws.co.uk
3.8
Great
751 reviews
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We have been with you for years and
We have been with you for years and, to be fair, barely claimed anything. Then my dog had to have surgery, our policy number was nor recognised, which gave me a panic.... But, all was good.
Then she got ill again, firstly you sent me a letter saying' we are sorry you lost her, i can assure you she is very much alive and then denued being sent the claim, which my vet had sent.
You did pay tbe majority of the amount but... What a faff
15 November 2025
Reply from 4Paws Pet Insurance
Hi there,
Thank you for your feedback, and I am sorry to hear this claim journey felt frustrating, especially at what was clearly a very worrying time for you.
We do aim to process all claims within 10 working days, provided we have received all the information needed to assess them. In this case, we were able to see that some information was missing, which did delay the claim being processed. Once all of the required information had been received, both claims were processed within a reasonable timeframe.
I also appreciate your comments regarding the claim form and the communication you received. I am afraid I cannot comment on external processes or why the claim form had not been received when expected, however I can confirm that once all information was with us, the claims were reviewed and settled as promptly as possible.
I am also sorry for the upset caused by the letter you mentioned. I completely understand why that would have been distressing, and I appreciate you bringing this to our attention.
Thank you again for taking the time to share your experience and for being a long-standing customer.
Kind regards
Lauren
Pet Claims Assessment Team Leader
The process to make and receive a claim…
The process to make and receive a claim was straightforward and relatively rapid.
6 March 2026
Reply from 4Paws Pet Insurance
Good morning Terry
Thank you for your lovely feedback.
We’re really pleased to hear you found the process of making and receiving a claim straightforward and relatively quick.
We appreciate you taking the time to share your experience.
Should you need us in the future, we are here for you and Bella.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Everything was sorted between…
Everything was sorted between yourselves and out vet practice which was so easy for me
18 March 2026
Reply from 4Paws Pet Insurance
Hi there
Thank you for your feedback.
We’re so pleased to hear that everything was sorted smoothly between us and your vet practice, and that this made the process easy for you.
Making things as simple and hassle-free as possible is always what we aim for. Thank you again for taking the time to share your experience.
From all of us here at 4Paws, have a fantastic week.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Recent claim
Really pleased with the service and ease, of a recent claim I made .
Dealt directly with our vets , making it a stress free process.
18 March 2026
Reply from 4Paws Pet Insurance
Hi Alison,
Thank you for your lovely feedback.
We’re so pleased to hear that you were happy with the service and found the recent claim process easy and stress-free.
It’s great to know that working directly with your vets helped make things simpler for you at what can often be a worrying time. Thank you again for taking the time to share your experience.
Should you or Daisy need us again in the future, we are right here!
Kind regards
Lauren
Pet Claims Assessment Team Leader
Prices start reasonably but then go up rapidly!
I have just got my renewal through for my 7 year old, £250 a month for £7000 of cover with a £105 excess AND 15% contribution! They started out as an affordable company but the increases every year are extortionate and not in line with other companies. However you get stuck once you have a pre existing condition. I would advise to stay clear and research the insurance premiums when you get a new puppy, I wish I had! For context this is the first time we have ever had a claim and last year even with no conditions or claims it was still £90 a month!
I would also note that most positive reviews are 'invited' or not saying their specific claim, which makes me feel like these were chosen or false reviews. I'm saddened to see lots of similar experiences to mine on here.
18 March 2026
Unprompted review
Reply from 4Paws Pet Insurance
Good afternoon Sarah,
Thank you for taking the time to share your feedback. I am sorry to hear how disappointed you are with the cost of your renewal.
I completely understand your frustration, especially when premiums have increased so significantly over time. We appreciate that this can be particularly difficult when your pet has developed pre-existing conditions, as this can make it harder to consider alternative cover elsewhere.
Renewal prices are based on a range of factors, which can include your pet’s age, breed, claims history, veterinary fee trends and the overall cost of providing cover. We do understand, however, that this does not make the increase any less upsetting when it has such a noticeable impact on affordability.
I am also sorry to hear your concerns regarding reviews. We value all customer feedback, whether positive or negative, as it helps us understand where we are doing well and where we need to improve.
If you would like us to look into your policy and renewal in more detail, please contact our team directly on 01423 535040 with your policy details so we can review this with you fully.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Really happy with 4Paws
We’ve been with 4paws for years. The staff I’ve spoken to have always been really friendly. My little dog is going through chemo at present so we’ve got continuous ongoing claims, we’re always kept updated with the process of claims and they are very prompt in settling so we don’t have too long to wait for our money back. Really impressed with the service.
10 March 2026
Unprompted review
Reply from 4Paws Pet Insurance
Good morning Karen
Thank you so much for taking the time to leave such a lovely review.
We’re really pleased to hear you’ve been happy with 4Paws over the years and that you’ve found our team friendly, communicative and prompt with your ongoing claims. That continuity and reassurance is exactly what we want to provide, especially when a pet is going through something as tough as chemo.
We’re sending lots of love to Alfie, and we’ll continue to do our very best to support you both through the treatment and beyond.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Great service
Great service. Clear website for forms needed. Quick reply's to get surgery carried out promptly. Follow up txts to keep us informed of the stage we are at in the process
17 December 2025
Reply from 4Paws Pet Insurance
Good morning Sarah
Thank you so much for your lovely feedback.
We’re really pleased to hear you found the website clear, the replies quick, and the text updates helpful in keeping you informed while surgery was arranged.
Wishing Rex a smooth recovery and thank you again for taking the time to leave a review. Should you need us again in the future, we are here.
From all of us here at 4Paws, have a lovely weekend.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Second time of using them and happy
Second time of using them.
I used this company for my labrador and I found them to be better than expected (I was dreading having to deal with a pet insurance company when the time came)
My dog did only require a minor op when she was 9 and then help re her passing. But both times I found them easy to get hold of / actually friendly / and really straight forward and easy to deal with. The reimbursement payment was made within days.
Then today I spoke with Dan (who I recognised his voice and very professional and very helpful being from my earlier correspondence) when booking in my new dog’s insurance. I was able to understand and be happy with everything that I was being told and feeling confident in proceeding ahead with the policy. So thank you Dan !
2 March 2026
Unprompted review
Reply from 4Paws Pet Insurance
Good morning,
Thank you so much for taking the time to leave such a thoughtful review.
We’re really sorry for the loss of your Labrador, but glad we could make things as straightforward and supportive as possible during such a difficult time.
It’s great to hear that both your claims experience and your recent call were easy, friendly and clear.
We’re especially pleased that Dan was able to help you feel confident in setting up the policy for your new dog - we’ll be sure to pass your lovely feedback on to him.
Thank you again for choosing us for both of your pets.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Reply from 4Paws Pet Insurance
Good morning Mr Balkwill,
Thank you so much for your 5-star review!
We are delighted to have been able to support you and Bertie.
If you need us again in the future, please don’t hesitate to get in touch.
Kind regards,
Lauren
Pet Claims Assessment Team Leader
I have had to claim twice for one of my…
I have had to claim twice for one of my rabbits and both times the claim has been accepted (I always worry that insurance companies will do all they can to get out of paying out, despite the issues being covered by the policy).
18 December 2025
Reply from 4Paws Pet Insurance
Hi there,
Thank you so much for taking the time to leave this review.
We completely understand the worry around making a claim, so we’re really pleased to hear that both of your claims for your rabbit were accepted and that you’ve felt supported by your cover.
If you ever need us again, we’ll be here to help.
Thanks
Lauren
Pet Claims Assessment Team Leader
Excellent
I found my experience with 4paws excellent, once they had all the relevant information from my vets , the money was very quickly paid into my bank.
22 January 2026
Reply from 4Paws Pet Insurance
Good afternoon Mrs Hill
Thank you so much for your lovely feedback!
We’re really pleased to hear you had an excellent experience with us here at 4Paws and that your claim was paid quickly once we had everything from your vets.
Thank you for taking the time to leave a review - it’s very much appreciated.
We hope Belle is feeling much better.
Thanks
Lauren
Pet Claims Assessment Team Leader
AVOID: A truly terrible pet insurance company
A truly terrible pet insurance company. They will find absolutely any reason not to pay a claim even if its contrary to evidence provided to them by your vet.
More fool me for staying with them after the first claim was denied I suppose, but I'll be severing my contract. I've come to the conclusion that I cannot rely on them and that's the bare minimum I ask for in exchange for my monthly fees (which by the way has gone up from a competitive rate to an exorbitant one - taking advantage of an aging cat on a 'for life' policy). At least I know where I stand with a credit card.
If you're looking to start a policy with them, AVOID, as I say literally a credit card would be preferable to letting them rinse you in your time of need. A truly money hungry and heartless operation.
There are lots of genuinely good pet insurance companies out there - try them instead, I wish I had.
[edit: they have replied so that they can 'look into this further' - I have already been forced to make a complaint (which is basically their appeals system) which has been upheld with opaque reasoning which I am still asking for clarity on. It has taken months to get any clear reason for why they won't pay the claim and I can only presume they are waiting for me to just give up. Do not believe their faux concern in response to low reviews here, it is all performative]
20 February 2026
Unprompted review
Reply from 4Paws Pet Insurance
Hi
Thank you for taking the time to leave your feedback, although I’m very sorry to read how disappointed you feel with both your claims experience and the increase in your premium. This is absolutely not the experience we want for any of our customers.
We understand how worrying it is when a pet is unwell, and it’s very important to us that our decisions are fair, clearly explained and based on the clinical evidence we receive from your vet and the terms of your policy.
I’m sorry if this hasn’t been clear or has felt at odds with what you were expecting.
I’d really like to review your case in detail so we can:
Re-check the claim decisions and the clinical information we have received;
Make sure our reasoning has been explained properly; and
See if there is anything further we can do to help or clarify.
As I can’t discuss personal details here, please contact us via petclaims@4paws.com with your policy number and a note referencing this review, and ask for your case to be reviewed by a senior member of the team.
We’ll then look into this as a priority and come back to you with a full explanation.
Once again, I’m very sorry that you’ve been left feeling this way, and thank you for giving us the opportunity to look into it further.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Reassuring staff who genuinely care about your pet
I have been with 4 paws for 5 years, never made a claim before but Ruby has recently been diagnosed with a spinal issue and needs major surgery. I called, worried, expecting a robot. I got through to Jane who explained how to make a claim and discussed something called a pre authorisation for Ruby's planned surgery. Everything was really well explained and Jane even said she was happy to go through all the information again. Really refreshing to hear and I could tell she genuinely cared about my dog. 4 Paws thank you its really put my mind at ease during a worrying time.
18 February 2026
Unprompted review
Reply from 4Paws Pet Insurance
Good morning Tom,
Thank you so much for this amazing 5-star review!
We are delighted to read that you found dealing with our team refreshing and we were able to explain everything for you. We aim to provide the very best service to all our clients in their time of need.
I will ensure this feedback is provided to the team and we hope Ruby's treatment goes well and they recover well.
Kind regards
Chloe
Pet claims assessment supervisor
They don't reply. Took 3 months to resolve and still not resolved
This feedback is written with deep frustration with the service provided by 4Paws before and after my claim.
The claim itself took 3 months to resolve and sadly between this, no empathy or care was shown. While 4paws have admitted they provided unprofessional and inappropriate emails about the claim, they once again keep a customer in complete darkness when a reply is sent back.
Following a negative review left by my wife regarding the distressing claim situation, we were contacted straight away by a representative (Lauren) who is a team leader who appeared keen to resolve the matter and regain our trust.
However, after we responded to her request for further information and clarity we have once again been met with total radio silence and I have now sent four emails to Lauren directly with no reply.
It is highly unprofessional to offer a public apology and an invitation to discuss a claim further, only to ignore the subsequent correspondence. This "damage control" approach without any actual follow-up has only added to the stress of an already difficult situation.
I expected a higher standard of customer care and transparency.
At this stage, I cannot recommend 4Paws to any pet owner who expects reliable communication and professional conduct.
13 February 2026
Unprompted review
Reply from 4Paws Pet Insurance
Hi Steven,
I’m sorry to hear that you’re feeling further frustrated and that it seems your recent correspondence has been ignored.
I can see that Lauren responded to your email on 13th February 2026. If you have not received this, please do contact us and we will be happy to resend it.
Kind regards,
Chloe
Pet Claims Assessment Supervisor
Prompt treatment of claim and…
Prompt treatment of claim and understanding of circumstances - received settlement before Christmas which gave peace of mind! Genuinely seem to care about your pet!
23 December 2025
Reply from 4Paws Pet Insurance
Hi Keith
Thank you so much for your lovely review.
I’m really pleased to hear your claim was handled promptly and that
you received your settlement before Christmas, especially as that gave you some peace of mind. It’s also great to know that you felt we genuinely cared about your pet - that’s exactly what we aim for with every claim.
Thank you again for taking the time to share your experience.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Excellent compassionate cover
4 Paws have covered my super unlucky 8 year old through 2 different cancer surgeries and treatment, as well as cruciate ligament surgery. The team genuinely seem to care when you talk to them.
18 December 2025
Reply from 4Paws Pet Insurance
Good morning Mrs Khalifah
Thank you so much for taking the time to leave this lovely review.
We’re really pleased to have been able to support your 8-year-old through everything they’ve been through, and it’s great to hear that you’ve found the cover and care to be compassionate throughout cancer treatment and surgery.
We know how stressful and emotional this can be, so it means a lot to hear that the team have come across as genuinely caring when you’ve spoken with them.
Thank you again for your feedback - it’s truly appreciated.
Kind regards
Lauren
Pet Claims Assessment Team Leader
AVOID this company
My dog had a straight forward injury that required an operation. They keep asking questions not related to this and making untrue accusations and making us feel like we have lied. They are just dragging it out and finding ways not to pay out. They are rude and unhelpful and don't care about the stress inflicted. We have been honest and up front from the day we took the policy but they make out you haven't documented certain things. It should not be this hard, in which is steady a stressful situation
4 February 2026
Unprompted review
Reply from 4Paws Pet Insurance
Hi there,
Thank you for your feedback, and I’m really sorry to hear how distressing this has been for you. It is never our intention to make you feel as though you have been dishonest or to add to what is already a stressful situation.
I’m keen to look into this for you in detail. Please contact us on 01423 535040 so we can explain exactly what information we still need and why. Or email us at PetClaims@4paws.co.uk and address the email to Lauren.
I would also like to review all of your correspondence with my team so I can fully understand what has happened and get to the bottom of this for you.
I can assure you we only ever ask for information that is necessary to assess and process the claim. I hope we can look to get this resolved for you and regain your trust in us.
Kind regards
Lauren
Pet Claims Assessment Team Leader
life pet insurance
I have life pet insurance and they deal with any claims quickly and efficiently. I appreciate they can't always cover every claim, but the process of claiming is made as simple and quick as possible. You can always talk to a real human being on the phone and they are always so friendly, kind and helpful. I have no hesitation in giving this company 5 stars, based on my experience so far. So refreshing to deal with such an efficient, friendly team.
3 February 2026
Unprompted review
Reply from 4Paws Pet Insurance
Good morning Mrs Webb
Thank you so much for your lovely feedback and 5-star review - it really means a lot.
We’re delighted to hear that you’ve found the claims process quick and straightforward, and that you’ve had such positive experiences when speaking with the team. We know claiming can be a worrying time, so it’s great to know our colleagues have been friendly, kind and helpful throughout. I will be sure to pass your kind feedback onto the team.
Thanks again for taking the time to share your experience - it’s genuinely appreciated.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Reply from 4Paws Pet Insurance
Hi there
Thank you for your feedback and for taking the time to leave a review.
We’re really sorry to hear how unhappy you are with your renewal price and that you feel let down. That’s never the experience we want for our customers.
Premiums can increase for several reasons, including claims history, changes in your pet’s age, their breed and wider market factors, such as rising veterinary costs. However, we understand that a large increase can be both very worrying and frustrating.
We’d like to review your policy in detail so we can explain exactly what has driven the change in your premium and check whether there are any other suitable options that may be available to you. As we can’t discuss personal policy information on a public forum, please contact us on 01423 535040 and we’ll be happy to further discuss this with you. Thank you again for contacting us and we’d greatly appreciate the chance to put things right where we can.
Kind regards
Craig
Pet Manager
Excellent,easy claim system
Excellent,easy claim system. Very sympathetic when bereavement.
9 September 2025
Reply from 4Paws Pet Insurance
Good morning
Thank you so much for your kind review.
I’m really pleased to hear you found our claims system easy to use and that the team were sympathetic and supportive during your
bereavement.
That’s exactly the level of care we aim to provide, especially at such a difficult time.
Take care, and if you ever need us again, we’re here to help.
Kind regards
Lauren
Pet Claims Assessment Team Leader
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