Pet Insurance

Everypaw’s Pet Insurance is designed to help you cover the costs of vet bills for the treatment your dog, cat or rabbit receives if they suffer an injury or become ill – and these bills can run into hundreds, sometimes thousands, of pounds.

Pet health insurance may be able to help when you need it most. Deciding if pet insurance is worth it is up to you, but it can mean you’re not out of pocket if something happens to your furry friend.

Some insurances are a legal requirement. For example, you can’t drive on UK roads without valid car insurance. Although there is no legal obligation to take out insurance for pets, it can help put your mind at rest.

Accidents, injuries, and illnesses can happen at any time, so the right pet insurance cover can offer priceless reassurance that you and your cat, dog, or rabbit are protected.

You can take out a pet insurance policy for your cat, dog or rabbit from 8 weeks old.

Yes, we don't have age limits for older pet. We know as your furry companion ages, they're more likely to suffer from ailments and illnesses here and there. And we want you to be able to look after your pet well into retirement. That's why we don't have age limits on our policies. Our pet insurance for older pets can help you do the most important thing – looking after your pet.

What about younger pets? We also offer kitten and puppy insurance, covered by our cat and dog insurance. No matter how old or young your purr-fect pet is, our pet insurance can give you all-important peace of mind. 

It’s difficult to say how much pet insurance costs because the price can vary from one pet to the next. Our pricing team works hard to make sure our pet insurance is fair for all customers.

Many factors go into the price, which is why it can vary so much. We’ll consider your pet’s species, breed, age, where you live, and the cost of vet fees to give you a price across all our cover levels. It’s then up to you to decide. Nobody knows your pet and your circumstances better than you. So, you can choose how much to spend on pet insurance that works best for both of you.

It’s also important to keep in mind that how much you pay for pet insurance will go up as your pet gets older. As they age, illness and ailments are natural, which usually means more claims. The price can go up significantly too, so when you’re weighing up your current pet insurance, think about future price and affordability.

Yes, the price of your pet insurance will go up every year. The risk that your pet will get ill or have an accident increases every year, and so do vet fees. When you reach your renewal period, we weigh your pet’s age, the potential risk of developing conditions, any claims, and the cost of vet fees in your area. Reevaluating the risk is why the price goes up.

We wish we could keep the price as flat as possible, but we can’t. If there are claims on a policy, the price could more than double at renewal. While we take every care to make sure your renewal price is fair, there are no limits on how much the price can go up.

If you’ve got your quote and you’re happy with the cost of your pet insurance, you can pay your premium for the year upfront or spread it out over monthly instalments. Some pet insurance providers in the UK will charge a finance fee for making separate payments like this, but not Everypaw. You can pay monthly at no extra cost.

No, for brand new policies, your cover doesn’t necessarily start straight away. We have two waiting periods to help prevent pet owners from buying a policy only for the payout. For the first 3 days, we can’t cover your pet if they’re poisoned or have been in an accident. For the first 14 days, we can’t cover any illnesses your pet develops in that time.

But there is good news. If you switch to Everypaw from another pet insurance provider and there isn’t a gap between one policy ending and the other starting, we’ll waive these initial exclusion periods. If you do make a claim, we will double-check there aren’t any gaps in cover.

Don’t forget, pre-existing conditions aren’t covered.

Pet insurance and pre-existing conditions don’t mix. We wish we could offer cover that includes pre-existing conditions, but we can’t. It’s not just us; you’ll find many UK pet insurance providers don’t cover pre-existing conditions.

We consider a pre-existing condition to be a condition, symptom, illness or injury your pet is suffering or has suffered from before you take out a policy. We also consider discussions with a vet or other professionals about your pet’s health or behaviour. Even if your pet didn’t receive treatment or you were told it was nothing to worry about, these would still be considered pre-existing conditions.

No. Neutering is an elective procedure and is not covered by your pet insurance. Bear in mind, any complications from elective procedures are also not covered.

No. Vaccines and boosters are not included in your pet health insurance. You also won’t be covered for treatment for an illness that could have been prevented by a vaccine your vet recommended.

Yes. Your pet can be covered for treatment of a dental condition, accidental injury, and to relieve suffering, up to your vet fee limit. For cover, you will need to prove a history of regular check-ups and that you followed your vet’s advice within 6 months.

The cost of the check-ups themselves is not included, while your pet insurance cover also excludes treatment of baby teeth if your pet is more than 16 weeks old when the policy starts. Rabbit policies also do not cover the cost of routine and preventative trimming, burring or rasping.

You can find out more information on our dental cover treatment page.

Yes, you have to pay an excess when you claim on your pet insurance. Excess can be tricky to understand, and the amount you pay will depend on your pet and their age. We'll break down excess for new policies below, but you can read more about all our variations on pet insurance excess here.

Set excess:

For our Lifetime policies, the fixed amount you'll pay towards a claim.

• Cats and dogs: £110 for each condition, each year
• Rabbits: £60 for each condition, each year

+ percentage excess:

+ percentage excess is an additional excess you can select to lower your policy price. The amount can vary depending on the options available when you get a quote.

If you make a claim, your excess will be the set excess plus the + percentage excess selected when you bought your policy.

+ percentage excess is payable on each claim

Excess for overage pets

When your pet reaches the upper ages of a new policy, or if you buy a policy and your pet is already over the upper ages of a policy, your excess will be your set excess plus the + percentage excess.

The standard excess and + percentage excess are:

• For cats after their 10th birthday: £110 plus 25% of the remaining claim amount
• For most dogs after their 8th birthday (5 for some breeds): £110 plus 25% of the remaining claim amount
• For rabbits after their 5th birthday: £60 plus 15% of the remaining claim

Be aware that excess is subject to change and depends on the excess options available to you when you buy your policy. You can always check your excess in the Pet Portal and on your Certificate of Insurance.

To cancel your pet insurance policy, log in to the Pet Portal and use our cancellation form on the Pet Policies page. We understand that everyone has their own reasons to cancel, but if there’s anything we can do with your policy, even its affordability, give us a call on 0344 543 1009; we’ll do whatever we can to help you.

If you cancel your policy within 14 days and haven’t made a claim, we’ll issue you a full refund. If you pay yearly and you cancel after 14 days, we’ll issue you a pro-rata refund as long as you haven’t claimed.

Adding another pet is simple, here's our step by step guide... But before you get a quote for your new pet, just make sure you have the policy number of your current policy handy, and then follow these instructions:

1. Make sure you have your existing policy number handy
2. Get your pet insurance quote here
3. Fill in your pet’s details and make sure you use the same email address
4. Select a level of cover and continue to our Review your quote page
5. Scroll down to the Multi-pet discount section and click Add existing pet policy
6. Enter your existing policy number and click the Add existing pet button

And we’ll take it from there. We’ll confirm your existing pet policy and get your multi-pet discount added to your quote. Once your policy’s all set up, you’ll be able to see all your pets in the Pet Portal.