Reasonably helpful when needed although never straight forward when making a claim. Then when renewal came the auto system piled up the price by over £200. Then using using a comparison site their pre... Mehr ansehen
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Wir überprüfen keine spezifischen Behauptungen, da die Meinungen der Bewerter ihre eigenen sind. Wir können Bewertungen jedoch als „verifiziert” kennzeichnen, wenn wir bestätigen können, dass eine geschäftliche Interaktion stattgefunden hat. Mehr erfahren
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Das sagen Bewerter
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... Mehr ansehen
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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... Mehr ansehen
Unternehmen hat geantwortet
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... Mehr ansehen
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Unternehmensdetails
Über 4Paws Pet Insurance
Vom Unternehmen geschrieben
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
Kontaktinformationen
59 Copthall Bridge, Station Parade, HG1 1TT, Harrogate, Vereinigtes Königreich
- 01423535040
- petclaims@4paws.co.uk
- 4paws.co.uk
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741 Bewertungen
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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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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
Antwort von 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
Bewertung ohne vorherige Einladung
Antwort von 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
Bewertung ohne vorherige Einladung
Antwort von 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
Antwort von 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
Bewertung ohne vorherige Einladung
Antwort von 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
Bewertung ohne vorherige Einladung
Antwort von 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
100% premium increase - really
My claim for our spaniels ear infection has just been settled at around £1,000 - took a little time to get there, but thank you.
She's just 7y/o and we've had this policy from the start with (I'm pretty sure) no other claims (so have paid in a good few thousands).
I have just received next years renewal invitation and the premium has gone up from £43 to £79 per month. The 'usual' increase is £10 or less, so almost 100% - for making a claim? Really?
It's a lifetime plan, so I'm pretty much locked in, just beware when you're shopping around folks.
6. November 2025
Bewertung ohne vorherige Einladung
Antwort von 4Paws Pet Insurance
Good morning Mr Swinbourne
I’m glad the claim was settled, and I’m sorry the renewal figure has come as a shock.
Renewals aren’t a “penalty” for claiming, but they do reflect expected future costs. For a 7‑year‑old spaniel on a lifetime plan, pricing can rise due to a mix of factors: pet age, rising veterinary costs, breed risk, and any recent claims (especially where a condition may need ongoing cover). These are combined into the risk-based renewal, which is why some years move more than the “usual” amount.
I can arrange a full review to make sure everything’s correct and look at ways to bring the premium down without compromising what matters, such as:
Checking the rating details are accurate and correcting any errors.
Exploring a higher voluntary excess or co‑pay.
Reviewing cover options you may not need.
Seeing if multi‑pet/annual payment options apply.
Please contact us at renewals@4paws.co.uk and we can look to contact you to discuss this further.
Kind regards
Lauren
Pet Claims Assessment Team Leader
HIGHLY RECOMMEND NOT TO USE THEM
DONOT TO USE THEM
*update: this is the level of dishonest at this company, they requested I remove this review as they said it might be for a wrong company. IT’S THE SAME WEBSITE!
I purchased a 1-year policy with 4Paws in May, paying in full specifically to earn Avios points. Three months later, they falsely claimed I hadn’t clicked the bonus grant correctly - la ridiculous assertion since it’s literally a single button! When I followed up in October, their response was threatening: they said they would cancel my entire policy if they didn’t hear from me within two days. I replied promptly, restating the issue, and three days later they cancelled my full year of insurance without any further communication.
This is completely unacceptable customer service. A company that handles claims and loyalty bonuses this poorly cannot be trusted. I would strongly advise looking elsewhere.
3. November 2025
Bewertung ohne vorherige Einladung
Antwort von 4Paws Pet Insurance
Hi there,
I’m really sorry for the experience you’ve described - both the Avios bonus issue and the policy cancellation concern fall well short of the service we expect you to receive.
We do not ask customers to remove genuine reviews. If we queried your review, it was only to ensure your feedback reached the correct team.
Your feedback is valid and we want to resolve it.
We would not cancel a policy without following the proper notification and timeline set out in our terms. If that has happened here, we’ll investigate urgently and put it right.
Avios/loyalty awards are tracked via our partner process; if tracking fails, we can review eligibility manually. You shouldn’t be disadvantaged by a single click-path issue.
I am unable to locate any policy here at 4Paws Pet Insurance under your surname provided.
In order 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
Date you paid in full and the Avios offer details
We will then investigate this further for you.
Kind Regards
4Paws Pet Insurance
Waiting over 20 mins and I’m the next caller!?
Never claimed on any pet insurance. Today I just wanted to check my 4 Paws payment policy. It’s been over 20 mins wait and no one’s there. Get a company that are there working not just taking money.
31. Oktober 2025
Bewertung ohne vorherige Einladung
Antwort von 4Paws Pet Insurance
Hi there,
I’m really sorry about the wait time - I completely understand how
frustrating that is, especially when you just need to check your
policy.
We’ve had unusually high call volumes this week, but
a 20+ minute wait isn’t the experience we want for you.
I can get this sorted now.
Please reply with:
Your Policy number
Preferred time today for a quick call-back
I’ll arrange for your policy payment details to be checked and
confirmed as a priority.
Thank you for your patience - we appreciate it, and we’re taking steps to to reduce wait times.
Kind regards
Lauren
Pet Claims Assessment Team Leader
My claim for my kittens treatment was…
My claim for my kittens treatment was dealt with quickly, and money paid when they said it would be.
21. August 2025
Antwort von 4Paws Pet Insurance
Good morning Mrs Dann
Thank you for your lovely feedback.
I’m delighted we could process your Freya’s claim quickly and get the payment to you as promised.
We wish Freya a smooth recovery.
If you need anything else, please get in touch with your claim number and we’ll be happy to help.
Have a great day.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Excellent Service
Really efficient claims process and exceptional customer contact team who kept me updated with the claim either by email or telephone. Would recommend 4Pets Pet Insurance to anyone.
26. September 2025
Antwort von 4Paws Pet Insurance
Good afternoon Sarah
Thank you for the wonderful feedback. I’m delighted the claims process felt efficient and that our team kept you well updated by email
and phone.
We really appreciate that you would recommend us as a Insurance provider and will share your comments with the team.
If you need anything else, we’re here to help.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Easy experience
Easy experience, processing the claim was a little slow in comparison to Petplan but the speed from acceptance to payout was quite quick
28. August 2025
Antwort von 4Paws Pet Insurance
Good morning Mrs Ruther
Thank you for your feedback.
For clarity, your claim was settled within 9 working days of receipt, which is within our agreed turnaround time.
We’re unable to comment on other providers’ turnaround times, but please know all our claims are assessed by trained Claims Assessors and reviewed individually.
I’m glad the acceptance-to-payout stage felt quick, and we appreciate your patience with the initial processing.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Brilliant customer service support
Brilliant customer service support. Liaised directly with vet to make a direct payment for treatment with no quibbling over what would or would not be covered. Fantastic service right when you need it!
22. August 2025
Antwort von 4Paws Pet Insurance
Good morning Natalie
Thank you so much for the lovely feedback - we’re delighted we could liaise with your vet and get the payment sorted quickly when you needed it most. We’ll share your comments with the team.
Wishing Clive a smooth recovery, and if you need anything further, we’re here to help.
Kind regards
Lauren
Pet Claims Assessment Team Leader
4 Paws Per Insurance - Inept Service
Tried with numerous calls to customer services to get outstanding claims money refunded to me. Asked for a manager to speak to and was promised a call back. Nothing. Asked for the MDs email and told they don't give this out. I wonder why? Frankly inept service from this insurer. I am moving my pet insurance cover elsewhere. Avoid.
21. Oktober 2025
Bewertung ohne vorherige Einladung
Antwort von 4Paws Pet Insurance
Hi Mr Veiga
I’m really sorry for the poor experience you’ve had - this isn’t the
service we aim to deliver. I appreciate your patience and understand your frustration.
Please send a email for the attention of Lauren, to Petclaims@4paws.co.uk providing your claim number(s) and a preferred contact number. I’ll arrange for a senior
member of the team to call you to discuss your outstanding claim and the next steps.
As currently I am unable to locate your policy with the details provided.
Thank you for giving us the chance to put this right.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Amazing customer service & trustworthy company
Amazing customer service . Well informed & excellent understanding of the product . An outstanding company who clearly take pride in their training.
17. Oktober 2025
Bewertung ohne vorherige Einladung
Antwort von 4Paws Pet Insurance
Good afternoon, Sue
Thank you so much for your wonderful feedback. We’re delighted you found our team well informed with an excellent understanding of the product, and it’s great to hear our training and pride in service came through. If there’s anything more we can do, please let us know.
Kind Regards
4Paws Pet Insurance
Just ridiculous
By far the worst so far wasn't at all understanding of our financial changes recently that was beyond our control. We will not be recommending or using them again
16. Oktober 2025
Bewertung ohne vorherige Einladung
Antwort von 4Paws Pet Insurance
Good morning Sarah
Thank you for your feedback, and I’m sorry for your experience.
I appreciate how frustrating changes in costs can be, especially when they feel beyond your control. While some pricing and policy changes are driven by wider market and underwriting factors, we should always explain them clearly and handle queries with empathy.
I’d like to review this for you. As we can’t discuss policy details publicly, please contact our Customer Care team on 01423 535040 with your policy number and we’ll look into what happened and what we can do to help.
Kind regards
Lauren
Pet Claims Assessment Team Leader
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