Pet Insurance
Covering paws from whiskers to tails
We Pay 99% of Claims in 5 Working Days*
*Based on Everypaw claims data from January 2025 to January 2026
Why Choose Everypaw for Pet Insurance in the UK?
For that extra peace of mind when your pets get up to mischief, there's Everypaw. Our pet insurance is for cats, dogs and rabbits, and every policy comes with unlimited 24/7 access to vet nurses and vets. So, if you ever feel a bit 'for pet's sake', know Everypaw is here for you and your pet when you need us most!
Everypaw partners with David Baddiel: Cat Man
Everypaw is proud to sponsor David Baddiel: Cat Man, a brand-new Channel 4 series that celebrates everything we love about cats. Hosted by David Baddiel, Cat Man explores the quirks of cat behaviour, shares heartwarming stories from cat owners across the UK and brings you fascinating feline facts you won't want to miss.
Don't miss out and join us in celebrating the wonderful world of cats! You can stream all three episodes now on Channel 4 now.
5 Star Rated Insurance for Pets
Two levels of our Lifetime Pet Insurance cover have been rated 5 Stars by independent financial business, Defaqto, for 9 years in a row.
Lifetime Pet Insurance Options
Deciding which pet insurance your furry bundle of fun needs can be tricky, especially if you're a new fur-parent. That's why here at Everypaw.com, we're trying to keep things simple, we're all about Lifetime Pet Insurance.
Our Lifetime cover is available for your cats, dogs and rabbits. And if you're looking to cover your cat or dog, there's a range of cover levels to choose from. Lifetime covers your pet up to a set vet fee limit, and the limits reset for every year of cover.
Pet Insurance for Older Pets
As our furry companions age, 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.
PawSquad Video Consultation
With an Everypaw Pet Insurance policy you get unlimited access to RCVS-qualified vets. Each PawSquad vet boasts a minimum of five years in-clinic experience and are available whenever you need them via video call, audio or live chat, with help and advice on your pet's care, well-being, behaviour and nutrition.
Pet Portal
Make paperwork a thing of the past with the Everypaw Pet Portal.
Compare Pet Insurance
Getting your furry friend covered shouldn't just come down to cost. There's a lot more to it than that, so take the time to do a pet insurance comparison. Think about their breed, the level of cover they might need, and what would be important to you. After all, insurance is there for both of you.
One of the best ways to do that is to compare cover levels. This will give you an idea of how much your pet insurance will cost, how much you can claim against vet bills, as well as the policy benefits. It's all about finding the Lifetime Pet Insurance that works best for you and your pet.
Vet fees | £1k, £2k, £3k | £4k | £6k, £8k, £10k |
|---|---|---|---|
Cats, Dogs & Rabbits | |||
Vet fees per yearincluding overseas vet treatment | £1,000, £2,000 or £3,000 | £4,000 | £6,000, £8,000 or £10,000 |
Set excessPer condition, per year | From £60 | £110 | £110 |
Dental treatmentas part of your vet fee cover | Included | Included | Included |
Complementary treatmentas part of your vet fee cover | Up to £750 | Up to £1,000 | Up to £1,500 |
Physiotherapyas part of your vet fee cover | Up to £750 | Up to £1,000 | Up to £1,500 |
Finding your pet | Up to £750 | Up to £1,500 | Up to £2,000 |
Emergency boarding fees | Up to £750 | Up to £1,500 | Up to £2,000 |
PawSquadunlimited 24/7 access to a vet team | Included | Included | Included |
Pet Portalmanage your pet policy online | Included | Included | Included |
Cats & Dogs | |||
Loss by theft or straying | Up to £750 | Up to £1,500 | Up to £2,000 |
Death from illness | Up to £750 | Up to £1,500 | Up to £2,000 |
Death from accident | Up to £750 | Up to £1,500 | Up to £2,000 |
Cremation or burial | £200 | £200 | £200 |
Dogs only | |||
Third party liability | £2,000,000 | £2,000,000 | £2,000,000 |
The benefit values featured in the table may vary across the different levels of cover and will depend on the cover you choose. Please check your cover before purchasing. Be aware, for some breeds of dogs we do not provide our £8k and £10k Lifetime cover.
All policies and features are subject to special conditions and exclusions of the insurers, please click the link to read about our policy exclusions.
Excess is applicable to all vet fees claims. When your pet reaches a certain age, the excess payable may change. The excess will be your set excess plus a percentage of your claim amount.
How Does Pet Insurance Work: Exclusions
Choosing the right pet health insurance isn't always easy. We know that. And we also know that a key part of deciding is knowing what's not covered. That way, at least there are no nasty surprises in terms of coughing up for bills that you thought were going to be taken care of by your policy.
So, here are a few of the main exclusions on our pet insurances:
- Treatment for any pre-existing conditions
- Treatment for poisoning or any accidental injury that occurs in the first 3 days of your policy*
- Treatment for any illness that occurs in the first 14 days of your policy*
- Treatment related to vaccine-preventable conditions
- Treatment related to breeding, pregnancy or birthing
- Treatment on baby teeth if your pet is over 16 weeks when your policy starts
*Switching to Everypaw Pet Insurance? If you can prove your previous insurance runs up to the policy start date, we can waive this for you.
Please see our exclusions page for further details.
How to Claim on Your Pet Insurance
Fingers crossed, you never have to! We want to reassure you that claiming on your pet health insurance is as hassle-free as possible. That’s why we have Vet Pawtal. A direct platform for vets so they can submit claims and leave you to care for your pet.
Vet Pawtal is the fastest and most efficient way to claim. There’s no more paperwork for you, and we’ll keep you updated every step of the way.
If your vet can’t submit the claim, don’t worry; you can still submit it in the Everypaw Pet Portal. It’s straightforward; just log in and follow the instructions. Alternatively, you can download a claim form, but this can take longer.
Please refer to the guidance in your policy documents for Third Party Liability claims.
For more information, head to our Pet Insurance Claims information page.
How Does Pet Insurance Work: Getting a Quote
Our pet insurance quote form takes just 3 minutes to fill out. Here's how it works:
- Select which type of pet you're looking to insure and enter their age, breed and sex
- Enter basic personal details about yourself including your email and home addresses
- Select your vet fees limit
- We'll give you a pet insurance price! And we'll show you what the cost is for the year, plus what your monthly instalments will look like if you choose to pay that way
More Than One Pet? That's Multi-pet
Whether you are looking for a playmate for your pet or if your house is more like a dog, cat and rabbit smallholding, you need multi-pet insurance that works for you. Everypaw's policies are just that and give you a discount on every pet too. No matter how many pets you have, from glorious Golden Retrievers and majestic Maine Coons to lovely Lionheads, it's there for every single paw.
Frequently Asked Questions
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 down to you, but it can mean you're not left out of pocket if something does happen to your furry friend.
Some insurances are a legal requirement. For example, you're not allowed to drive on UK roads without valid car insurance. Although there is no legal obligation to take out insurance for pets, it can help to put your mind at rest. Accidents, injuries and illnesses can occur at any time, so having the right pet insurance cover can offer priceless reassurance that you and your cat, dog or rabbit are protected.
According to the Association of British Insurers, the average cost of pet insurance in the UK in 2024 was £389. However, the price of your cover will vary across species, breeds, and other factors such as where you live. Nobody knows your pet better than you, so it's up to you to decide what's going to be best for the both of you. It can be worth getting a few pet insurance quotes and comparing the costs and the benefits.
Use our table higher up this page to see the breakdown across our different levels of cover and use that information when you fill out our pet insurance quote form.
It's also important to bear in mind that the cost of cover will go up as your pet gets older. It's natural for illness and ailments to affect them as they age, and this usually means more claims. The price can go up significantly too, so think about cost and affordability now and in the future.
If you've got your quote and you're happy with the cost of your pet insurance, you can pay the premium for the year upfront in one go or you can 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.
Pet insurance covers vet fees and the treatment your pet needs if they suffer an illness or injury. Depending on your level of lifetime cover, it will take care of or contribute towards the cost of veterinary treatment, any required medications as well as surgery.
And the cover doesn't stop there. Included with every pet insurance policy is a full range of benefits to help you when you need them most. If your pet needs complementary therapy or physio, that's included, and so is dental cover. And if your pet is stolen or goes missing for 30 days or more, we will repay the amount that you paid when you first took ownership.
PawSquad services are also included in all Everypaw Pet Insurance policies. That's 24/7 access to RCVS-qualified vets. If you ever have any concerns or need advice about your cats, dogs or rabbits, this experienced veterinary team is here for you. And they can help you through the toughest times with their trained Bereavement Counsellors. In the good, and the not so good, Everypaw is with you every step of the way.
No, like a lot of other pet insurance providers, the cover doesn't start straight away. We'd love to cover your pet from day 1, but we can't. This is because it has been known for some pet owners to take out a policy only once their pet has an accident or falls ill – just for the payout. And that's not fair, as that only increases premiums for the vast majority of honest claimants.
For example, accidents or poisoning aren't covered for the first 3 days. For illnesses, the waiting period is 14 days. After these limits are up, you can make new claims, just not for anything that happened within that timeframe. The 14-day waiting period also applies to other benefits of the policy.
But if you switch to Everypaw from another provider, and your old policy runs up to your start date, we can waive the initial exclusion periods for you.
This is where it gets a bit tricky. Pet insurance and pre-existing conditions don't mix. We wish we could provide cover with pre-existing conditions included, but we can't. It's not just us either – you'll find a lot of 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 would also take into consideration discussions with a vet or other professionals regarding 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 all be considered a pre-existing condition.
No. Your pet insurance will not cover the cost of neutering.
No. The cost of vaccines and boosters is not included as part of your pet health insurance. And you won't be covered for treatment for an illness that could have been prevented by a vaccine that was recommended by your vet.
Yes. Your pet can be covered for treatment of a dental condition, for 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 your vet's advice was followed within 6 months.
The cost of the check-ups themselves are 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.
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:
- Make sure you have your existing policy number handy
- Get your pet insurance quote here
- Fill in your pet’s details and make sure you use the same email address
- Select a level of cover and continue to our Review your quote page
- Scroll down to the Multi-pet discount section and click Add existing pet policy
- 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.
Get a Pet Insurance Quote Today
We know pets are just as much a part of your family as any human. So, we know how important it is to you that they're protected. Choose Everypaw for pet insurance in the UK and give yourself that priceless peace of mind.
Cost of Living
We know things can be tough right now, with many people facing money worries. If you have such concerns, please get in touch with us, as we may be able to offer some options to help, which could include reducing your cover or increasing your excess.
If you wish to find out more and your eligibility for any options, please call 0344 543 1009.
All Things Pet Blog
Ever found the urge to discover what the best dog breeds to train are or maybe you want to get to the bottom of your pet's worm problem. Everypaw's All Things Pet blog has the content to keep you informed.
