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
741 reviews
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Very impressed so far
I have found that my claim has been dealt with quickly and fairly, they have kept me updated all along the way and the people I have spoken to have been really helpful. I am really impressed.
February 1, 2025
Reply from 4Paws Pet Insurance
Good morning Mrs Barber Hall,
We really appreciate you taking the time to share your positive experience with us. We are thrilled to hear that our Claims Team were able to provide the help you needed.
We are always here to make the claim process as easy and stress-free as possible.
If you ever have any questions or need any further assistance, our team is here for you and Luna.
We wish you all the best.
Dominika
Senior Pet Claims Handler
IfI have cancelled my DD..it stands to…
IfI have cancelled my DD..it stands to reason I no longer want the policy…DO NOT RING ME UP ASKING ME A MILLION QUESTIONS! I do NOT like being harassed!
March 4, 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good morning
We are sorry to hear that you have been unhappy with the service that you have received. When taking out your policy we do ask you to contact us if you are looking to cancel the policy, there are no cancellation fees and you can cancel at any time.
Sadly, cancelling your direct debit does not cancel the contract of insurance and this will result in communication from us to check if you would still like us to cover your pet going forward, as this can often happen in error. There are a number of ways that you are able to cancel the policy, including our online portal, over the phone or via email.
Kind regards
Alisha
Pet Customer Care and Claims Supervisor
Reply from 4Paws Pet Insurance
Good morning
Thank you so much for leaving us this fantastic review.
We're so glad to hear that you had a positive experience. We appreciate your kind words and will share your feedback with our team.
We hope Mungo is feeling much better, should you need us in the future, please do reach out.
Have a wonderful week!
Kind regards
Lauren
Pet Claims Assessment Team Leader
Dealt with claim quickly at a difficult…
Dealt with claim quickly at a difficult time
January 14, 2025
Reply from 4Paws Pet Insurance
Hi Mrs Barr
Thank you so much for your review.
We are so glad to hear that we were able to help you during a difficult time. We strive to make the claims process as smooth and efficient as possible for our customers.
From all of us here at 4Paws, we hope Lottie is feeling much better.
Should you need us in the future, please do contact us.
Have a great week.
Kind regards
Lauren
Pet Claims Assessment Team Leader
We've insured our dog with 4Paws since…2018
We've insured our dog with 4Paws since 2018, but over the past couple of years, we've seen a shocking increase in premiums. What started as a £250 policy has now risen to over £1,200 at the latest renewal.
In those seven years, we made just one claim—for £360, which was actually less than that year’s premium. In total, we’ve paid around £4,000 in premiums, yet this extreme price hike suggests that 4Paws has little interest in insuring older dogs, even those as healthy as ours.
This became even more evident when I obtained an alternative quote for just £450. Expecting to negotiate, I called 4Paws but was bluntly told they wouldn’t lower the price at all. Instead, they simply warned me that switching insurers could mean losing coverage for pre-existing conditions—essentially leaving me with no choice but to accept their inflated pricing.
It's disappointing to see a company price out loyal customers, especially responsible pet owners who have made minimal claims.
February 27, 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good morning
I am sorry to hear that you are disappointed with your renewal quote.
Please be aware there are several factors that contribute to each renewal quote we provide, such as your pets age or the cost of vet fees in your local area, both of which as you know have increased over the last 7 years. Whilst claims can impact a policy price. Currently we consider claims made within the last 2 years when calculating your quote. One of the most important factors we must consider is the length of time your policy has been active. This allows us to assist with treatments and claims that are relating to the 7 years of medical history that has accumulated whilst your policy has been active with us.
As my colleague confirmed when you contacted us. When purchasing a new policy, it is common to lose cover for medical history that is dated from before the start of a policy. This is considered ‘Pre-existing’ by most pet insurance providers, including us. This loss of cover, as well as differences within the policies, and introductory discounts, can often lead to the difference prices being offered to you, which is what you have witnessed.
We believe in providing an accurate and honest price to all customers, this allows customers to make an informed decision, knowing whether they contact us or not, the quote they received from us was the best price we can possibly offer in order for you to benefit from continuation of cover.
If you wish to discuss this in more detail, please do not hesitate to contact us.
Kind regards
Graham McKenzie
Sales & Renewals Team Leader
Disgraceful
Disgraceful - won't refund premiums taken after policy ended, very high handed approach to customer service
February 10, 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good Morning Patrick,
I am so sorry to hear you are unhappy with your experience with us.
This really doesn't sound like us, as for any payments we collect, you are only ever required to pay for your time that your pet has had cover with us and anything beyond this, we will refund back to you.
Sadly, I am unable to locate your policy to investigate this further for you. Please can you call us on 01423 535 040 or email at PetClaims@JigsawInsurance.com and we will look into this and see what we can do to help.
Kind regards
Dominika
Senior Pet Claims Handler
My claim was settled quickly.
January 31, 2025
Reply from 4Paws Pet Insurance
Good afternoon
Thank you for taking the time to leave us this fantastic 5 star review.
We are happy to hear that your claim was settled quickly.
Should you need us in the future, please do let us know.
Have a lovely rest of your day!
Kind regards
Lauren
Pet Claims Assessment Team Leader
Extremely helpful
Extremely helpful, in what has been a complicated claim!
February 5, 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good Morning,
Thank you so much for your 5-star review.
It really warms our hearts to read that we have provided you with the very best service that we aim to give all our wonderful clients.
We hope your pet is recovering well, should you need us again in the future please do not hesitate to reach out.
Kind Regards
Dominika
Senior Pet Claims Handler
Helpful staff
Helpful staff. Quick response to claim form request and prompt settlement.
January 9, 2025
Reply from 4Paws Pet Insurance
Hello Lynn
Thank you for taking the time to leave your review with us.
We are thrilled to hear that our team have been so caring and thoughtful when you’ve needed our help.
Should you need us again, please don’t hesitate to get in touch if you need us.
From all of us here at 4Paws, we hope you and Dora have a lovely week!
Kind Regards
Dominika
Senior Pet Claims Handler
Dishonest and Misleading Renewal Practices
I am extremely disappointed with 4Paws and their misleading practices. A few weeks ago, I received a renewal notice quoting my annual premium as £426, with the email stating, "For information, last year’s equivalent premium was £403." This suggested an increase of only 6%, which seemed modest and reasonable. On this basis, I decided to remain with them and did not feel it necessary to obtain alternative quotes, trusting that the information provided was accurate and transparent.
However, today I received the renewal paperwork in the post, and the quoted £426 translates to £36 per month. This is significantly higher than the approximately £27 per month I have been paying, equating to an actual increase of 33%! This means the renewal letter completely misled me into believing the increase was far smaller than it truly was.
I strongly object to companies that rely on deceptive communication to retain customers. It is unacceptable for 4Paws to misrepresent information in this way, especially given the already rising costs of pet insurance.
I have since moved to a different provider and would advise others to review their renewal offers carefully before deciding to stay with 4Paws. This is a company that clearly cannot be trusted.
January 24, 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good afternoon,
Thank you so much for leaving us this review, we really appreciate it.
I am sorry to hear you are unhappy with the renewal invitation we had issued to you. We pride ourselves on our honesty and strive to make things as clear as possible for our customers, especially when it comes to their premiums quoted at renewal.
The renewal invitation will show the premium quoted for the upcoming year but also last year’s premium before any discounts and our administration fee have been applied. If you have received a first year or multi pet discount, this is shown as part of the premium breakdown which is included in your policy documents.
We are continually looking into ways which we can improve our communications and really do value your feedback. We would be more than happy to discuss this in more detail so please don’t hesitate to contact us on 01423 535040 or email our renewals team at petrenewals@jigsawinsurance.com should you require any further assistance with this matter.
Kind Regards
Andy
Pet Sales and Renewals Team Supervisor
Very easy the vets dealt with the claim…
Very easy the vets dealt with the claim and paid direct to the vets very happy
January 3, 2025
Reply from 4Paws Pet Insurance
Good morning Christine
Thank you so much for your review.
We are delighted to hear you are very happy with our claims service and we made it easy for you.
Here at 4Paws, as pet owners ourselves. We understand how stressful it can be when your furry friend is unwell. Therefore we aim to take the stress of claiming away from you and aim to make it as easy as possible.
Should you need us again in the future, please get in touch.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Unfortunately I have had to claim twice…
Unfortunately I have had to claim twice for 2 off my cats in the last 2years and on both occasions this company have dealt with my claims professionally & quickly would highly recommend this insurance company if looking to insure your pet, sadly they both died through there illnesses but without insurance there was no way we could have afforded to try and help them overcome there illness
January 8, 2025
Reply from 4Paws Pet Insurance
Good morning Paul
Firstly please accept my sincere condolences in regards to the sad loss of both of the cats.
Thank you so much for taking the time to leave us this excellent review.
To hear we was able to be there for you, when you needed us most means the world to us here at 4Paws.
Our aim is to make the claiming process as stress and hassle free as possible for you and it appears we did just that!
From all of us here at 4Paws, we wish you all the best in the future.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Very easy to deal with
Very easy to deal with. Assisted with queries and helped resolve our problem quickly.
December 17, 2024
Reply from 4Paws Pet Insurance
Good morning,
Thank you so much for taking the time to leave us with this 5-star review.
It really warms our hearts to read that you found our teams easy to deal with and that were able to resolve your problem.
We hope Gizmo is making a full recovery and should you every needs us again, please do not hesitate to contact us.
Kind regards
Chloe
Pet claims assessment supervisor
A Scam
They will charge you inordinate monthly amounts for comprehensive insurance but will not pay anything out unless they get a full clinical history from birth. I brought my pup to UK from Portugal and they haven't been able to contact vet from when we were there so they have closed my claim. The issue happened here in UK (very obviously), but they for some reason need the clinical history from 10 years ago that has nothing to do with her present condition.
They have taken thousands from me for the past few years on an empty promise. This was the only claim I have ever made because she needed surgery and they are refusing to support.
An absolute scam of a company.
January 9, 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good Morning Joana
I am so sorry to hear you are unhappy with your experience with us.
I am sadly unable to locate your policy to investigate this further for you, please can you call us on 01423 535 040 or email at PetClaims@JigsawInsurance.com and we will do our very best to look into this for you and provide you with further information.
Kind regards,
Dominika
Senior Pet Claims Handler
Great insurers who really seem to care…
Great insurers who really seem to care about our fur babies. No problems with claims and prompt settlements
January 1, 2025
Reply from 4Paws Pet Insurance
Good Morning Naomi,
Thank you so much for taking the time to leave us this amazing 5-star review! It really means a world to us.
We’re so happy to hear you received an excellent service from our team.
Should you need anything from us in the future, we’re always here for you and your fur babies – Poppy, Saffron, Honey & Lenny.
Kind regards
Dominika
Senior Pet Claims Handler
Quick response and lively call from the…
Quick response and lively call from the company.
December 18, 2024
Reply from 4Paws Pet Insurance
Hello,
Thank you so much for taking the time to provide us with this amazing feedback!
We always aim to provide the very best service to all our customers, as we know it can be an extremely stressful time when making a claim on your policy.
From all of us here at 4Paws, we hope Morag is recovering well.
Kind Regards,
Dominika
Senior Pet Claims Handler
Have all of life covers .
Have all of life covers .. after excess always paid out without any issues .. premium is £50 per dog per month at age 5 and 7 ..started at £10pmonth per dog at age1 …. claimed £4K last year
January 5, 2025
Reply from 4Paws Pet Insurance
Hello Michael,
Thank you so much for taking the time out of your day to provide us with this amazing feedback!
Regarding the premiums costs - prices are likely to gradually rise over the years – we do consider Mowgli’s claims history and health when we calculate the costs of your premiums. We also use lots of other rating factors like your pet’s breed, age, or the costs of vet fees in the area you and Mowgli live.
If you do require anything further, please don’t hesitate to contact us.
We hope Mowgli is doing well.
Kind Regards,
Dominika
Senior Pet Claims Handler
Fantastic service - great people.
The whole process was simple and the advice I was given my the team was excellent. I was worried about claiming but the team there made it really simple, and stress free. Thank you so much.
October 1, 2024
Reply from 4Paws Pet Insurance
Good afternoon
Thank you so much for your amazing comments.
We certainly aim to provide our valued customers with a 5 star level of service and I am so pleased to hear that my team made the whole claims process as easy and as stress free as possible - this is exactly how it should be. I will be sure to pass your comments onto them, it will make their day.
If you ever do need us for anything else, please do not hesitate to contact us.
From us all here at 4Paws, we hope you enjoy your day.
Kind regards
Craig
Pet Manager
Reply from 4Paws Pet Insurance
Hi there
Thank you so much for your comments.
I am really hoping that by your vets dealing with us, it took all the pressure away from you concerning the claims process and that you were able to focus on what is most important to you, which is your furry friend!
We certainly aim to make the claims process as simple as possible for our customers and thank you again for taking the time to leave us this review.
Kind regards
Craig
Pet Manager
4Paws were very good when I had to…
4Paws were very good when I had to claim from them.
October 14, 2024
Reply from 4Paws Pet Insurance
Hi there
5 stars! thank you so much!
We certainly aim to be there for you when you need us most and I am so pleased to hear that you were happy with the service provided to you following your claim.
If you ever so need us for anything else in the future, please do not hesitate to give us a call.
Kind regards
Craig
Pet Manager
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