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Link to get a quote for Everypaw Pet Insurance

Pet insurance is an important aspect of responsible pet ownership. Just like human health insurance, it can provide coverage for medical expenses related to your furry friend&#39;s well-being. But how does pet insurance work?

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Link to get a quote for Everypaw's Pet Insurance

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Loving your dog is easy, but we know keeping our furry friends happy and healthy can be a tougher task than you imagine. Getting pet insurance for your dog gives you that extra peace of mind, and we want you to know Everypaw&#39;s Dog Insurance cover is up to scratch&hellip; and the odd sniff.

*based on Pinnacle Insurance Plc claims data between Sept 2020 and Sept 2021

Similar to when you insure your car or home, if any unfortunate mishaps occur or your family pet becomes unwell, you&rsquo;ll be able to claim the cost of treatment required from your insurer. Whilst the amount of veterinary costs and types of conditions covered differs between policies (find out more about that in our guide to <a href="/Home/cover-explained/what-does-pet-insurance-cover.html">What Does Pet Insurance Cover</a>), pet insurance can help protect you from unexpected medical costs and helps when it comes to getting the medical care your pet deserves.

Pet insurance is a popular choice for pet owners who want to provide the best possible care for their beloved companions. With the rising cost of veterinary treatments, having a pet insurance policy can give you peace of mind knowing that you won&#39;t have to make difficult financial decisions when it comes to your pet&#39;s health.

However, not all pet insurance policies offer the same level of care, which makes it essential to understand&nbsp;<a href="https://www.everypaw.com/cover-explained/which-is-the-best-pet-insurance" title="Link to Everypaw's guide to the best pet insurance">which is the best pet insurance for you</a>.

<a href="https://www.everypaw.com/multi-pet-insurance" title="Link to Everypaw's Multi-pet Insurance page">Insure multiple pets</a>&nbsp;for a multi-pet discount

Unlimited 24/7 access to UK vet nurses and vets with&nbsp;<a href="https://www.everypaw.com/petcall" title="Link to Everypaw's Petcall vet page">Petcall</a>

Manage your policy online in the&nbsp;<a href="https://www.everypaw.com/pet-portal-info" title="Link to Everypaw's Pet Portal Information page">Pet Portal</a>

By understanding the basics of how pet insurance works, comparing options and planning ahead, you can make informed decisions and provide the best possible care for your beloved furry companion.

Find out more about coverage with <a href="/Home/cover-explained.html" title="Link to Everypaw's Pet Insurance Guide landing page">Everypaw&rsquo;s easy-to-understand pet insurance guides</a>. You can also find out everything you need to know about training, nutrition and more, over at <a href="/Home/all-things-pet.html" title="Link to Everypaw's All Things Pet blog landing page">All Things Pet</a>.

By understanding the basics of how pet insurance works, comparing options and planning ahead, you can make informed decisions and provide the best possible care for your beloved furry companion.

Find out more about coverage with&nbsp;<a href="${link:{uuid:{undefined},repository:{undefined},path:{undefined}}}" title="Link to Everypaw's Cover Explained landing page">Everypaw&rsquo;s easy-to-understand pet insurance guides</a>. You can also find out everything you need to know about training, nutrition and more, over at&nbsp;<a href="${link:{uuid:{67922355-626a-475b-a4bf-1ea8b48daf26},repository:{website},path:{/everypaw2/all-things-pet}}}" title="Link to Everypaw's All Things Pet blog landing page">All Things Pet</a>.

Understanding the Basics of Pet Insurance

We know that pet insurance can seem confusing with lots of different policies and types of coverage available. In this comprehensive guide, we&#39;ll explore everything you need to know about how pet insurance works, from the basics to addressing common concerns and misconceptions.

Let&rsquo;s start with the basics: pet insurance policies function similarly to other insurance plans, offering financial protection against unexpected costs. By paying a monthly or annual premium, you can help your pet receive the necessary medical care without breaking the bank.

Let&rsquo;s start with the basics: pet insurance policies function similarly to other insurance plans, offering financial protection against unexpected costs. By paying a monthly or annual premium, you can help your pet receive the necessary medical care without breaking the bank.

Pet insurance is not always a straightforward decision. You&rsquo;ll need to consider factors like rising vet costs, your pet&#39;s age and breed when planning for emergencies. <a href="/everypaw2/pet-insurance-for-older-pets.html" title="Link to Everypaw's pet insurance for older pets page">Older pets</a> and some breeds are more prone to health issues that can be costly to solve and can re-occur.

If you decide against pet insurance, you should prepare to have a way to handle unexpected vet bills. Pets can be unpredictable and sometimes alternative methods may not always be feasible.&nbsp;

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Pet insurance typically covers medical treatments like accidents, illnesses, surgeries, and medications.

For example, if your <a href="/dog-insurance/dog-breed-guides/labradoodle-insurance-care-and-health-advice" title="Link to Everypaw's Labradoodle dog breed guide">Labradoodle</a> gets injured on a long country walk, your <a href="/dog-insurance" title="Link to Everypaw's Dog Insurance page">dog insurance</a> can help towards the cover an emergency vet visit and treatment costs. Bear in mind, each policy will have a limit to the&nbsp; coverage, so it helps to consider cost of treatment and future condition exclusions when it comes to selecting a policy.

People can find benefits to all different types of insurance,&nbsp;<a href="https://www.everypaw.com/lifetime-pet-insurance" title="Link to Everypaw's Lifetime Pet Insurance page">Lifetime Pet Insurance</a>&nbsp;is often seen as the most comprehensive type. Lifetime can offer the additional peace of mind as every year your vet fee limit renews, so you&rsquo;ll never run out of cover permanently.

Plus&nbsp;it can also cover a range of other benefits to maintain the well-being of your pet,&nbsp;including benefits like boarding fees and alternative therapies.

Find out more with our in-depth guide on&nbsp;<a href="https://www.everypaw.com/cover-explained/what-does-pet-insurance-cover" title="Link to Everypaw's What Does Pet Insurance Cover guide">What Does Pet Insurance Cover</a>.

Pet insurance typically covers medical treatments like accidents, illnesses, surgeries, and medications.

For example, if your Labradoodle gets injured on a long country walk, your dog insurance can help towards the cover an emergency vet visit and treatment costs. Bear in mind, each policy will have a limit to the&nbsp; coverage, so it helps to consider cost of treatment and future condition exclusions when it comes to selecting a policy. People can find benefits to all different types of insurance,<a href="https://www.everypaw.com/lifetime-pet-insurance" title="Link to Everypaw's Lifetime Pet Insurance page">&nbsp;Lifetime Pet Insurance</a>&nbsp;is often seen as the most comprehensive type. Lifetime can offer the additional peace of mind as every year your vet fee limit renews, so you&rsquo;ll never run out of cover permanently.

Plus&nbsp;it can also cover a range of other benefits to maintain the well-being of your pet,&nbsp;including benefits like boarding fees and alternative therapies.

Find out more with our in-depth guide on&nbsp;<a href="https://www.everypaw.com/cover-explained/what-does-pet-insurance-cover" title="Link to Everypaw's What Does Pet Insurance Cover guide">What Does Pet Insurance Cover</a>.

Taking out an insurance policy isn&rsquo;t a legal requirement for owning a pet, which means that from day one you&rsquo;ll be liable for paying for any medical treatment. With all the excitement of welcoming a new furry friend to the family, protecting against accidents and illness often isn&rsquo;t front of mind - but it is a key consideration that you need to make as early as you can.

Many pet owners, especially those who&#39;ve had pets before, might skip insurance after not needing it previously. Instead, they might choose to pay vet bills using savings, credit cards, loans, or by setting aside money monthly in an emergency fund.

Taking out an insurance policy isn&rsquo;t a legal requirement for owning a pet, which means that from day one you&rsquo;ll be liable for paying for any medical treatment. With all the excitement of welcoming a new furry friend to the family, protecting against accidents and illness often isn&rsquo;t front of mind - but it is a key consideration that you need to make as early as you can.

If your cherished animal companion falls ill or sustains an injury, and you are safeguarded by pet insurance, you&rsquo;ll need to see your vet as swiftly as possible. Claiming on pet insurance can often be an afterthought. You may find, depending on your provider, you may need to notify them within four weeks when it comes to a claim. Though this can vary from provider to provider. Either way, you&rsquo;ll want to get treatment for your furry friend as soon as you know they need it, so familiarising yourself with the claims process in case the worst happens is a good idea.

Your insurer will help you access a claim document. This is a form that will need both you and your vet to fill out the details. Depending on the policy, your vet might do a &lsquo;direct claim&rsquo;. This is when a vet takes the funds to cover treatment directly from the insurance provider leaving you to pay only the excess.

Sometimes, if treatment is urgent and can&rsquo;t wait, it might be the case that you&rsquo;ll need to pay for the treatment directly and claim back the cost of the veterinary treatment from your insurance provided. It is really important to get a clear idea of how your chosen vet&#39;s practice operates so you&rsquo;ll be prepared for whichever claim or payment route you might need to take.

At Everypaw there are three ways to make a claim: vets can make it easy for you and submit claims on your behalf via Vet Pawtal, you can submit through our portal or you can submit a paper claim. We&rsquo;d recommend letting your vet submit via Vet Pawtal as it is the quickest and easiest way to get the ball rolling. You can find out <a href="/everypaw2/claims.html" title="Link to Everypaw's claims information page">more information on the Everypaw Claims page</a>.&nbsp;

Yes, <a href="/everypaw2/pet-insurance-for-older-pets.html" title="Link to Everypaw's pet insurance for older pets information page">older pets can still get insured</a>, although you may find other insurers have age restrictions on taking out new policies. At Everypaw, we can insure your pet from 8 weeks old and beyond. There are no age limits on Everypaw Pet Insurance policies.&nbsp;

It&#39;s important to keep in mind that the premiums for older pets tend to be higher, as they have a higher risk of developing age-related health issues.&nbsp;

What is the alternative to pet insurance?

If traditional pet insurance doesn&#39;t fit your needs or budget, there are alternatives to consider. Some pet owners choose to set up a savings account specifically for their pet&#39;s healthcare expenses. There are also a range of charity-funded programs that provide reduced-cost veterinary care.

While these alternatives may help with unexpected expenses, they do not offer the same level of comprehensive coverage and security that can be provided by traditional pet insurance policies.

Pet insurance generally does not cover pre-existing conditions. There are some providers that do offer cover, but you can find the vet fee coverage limited, and the premiums potentially expensive. You may also find that some providers may only place a temporary exclusion on a condition, so after a couple of years of your pet not suffering, the condition may be reviewed for cover.

A pre-existing condition is a medical condition or symptoms that your pet had before the policy was initiated. At Everypaw, we do not cover pre-existing conditions, and review a pet&#39;s medical records at the point of claim. If we find the condition being claimed for is pre-existing from before the policy started, the claim could be declined.

Can I insure dogs and breeds with known health issues?

Some pet owners believe that pedigree dogs and certain breeds of cats cannot get adequate pet insurance coverage due to their breed-specific health issues. However, this is a myth. While some insurers may have breed-specific exclusions, many providers offer coverage for all types of pets, including pedigrees that have a history of specific conditions.

Pedigree dogs can benefit from pet insurance like any other breed, regardless of their potential health risks. In fact, pet insurance is ideal for higher-risk breeds as it can prepare you for any future health issues the breed may likely suffer. Take a look at our <a href="/Home/dog-insurance/dog-breed-guides.html" title="Link to Everypaw's Dog Breed Guide landing page">dog breed guides</a>, <a href="/Home/cat-insurance/cat-breed-guides.html" title="Link to Everypaw's Cat Breed Guide landing page">cat breed guides</a>&nbsp;and <a href="/Home/rabbit-insurance/rabbit-breed-guides.html" title="Link to Everypaw's Rabbit Breed Guide landing page">rabbit breed guides</a> for in-depth information on common health conditions along with care advice.

It&#39;s best to get pet insurance when your pet is young and healthy before any pre-existing conditions develop.

Most pet insurance policies allow you to use any licensed veterinarian, but it's advisable to check if there are any restrictions.

At Everypaw there are two ways to make a claim: via our portal or you can submit a paper claim. We&rsquo;d recommend using the portal as it is the quickest and easiest way to get the ball rolling. You can find more information on the <a href="/Home/claims.html" title="Link to Everypaw's claims information page">Everypaw claims page</a>.

How Does Pet Insurance Work? | Everypaw

How Does Pet Insurance Work?

Link to How to Our Guide to Keeping Your Pets Safe at Halloween

Link to log in to the Everypaw Pet Portal

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Link to get a quote for Everypaw Pet Insurance 

Link to retrieve a previous Everypaw Pet Insurance quote

Zoomies to Senior Snoozes, We've Got Them Covered

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 &pound;8k and &pound;10k Lifetime cover. 
 
All policies and features are subject to special conditions and exclusions of the insurers, please click the link to read about&nbsp;<a href="/Home/pet-insurance-policy-exclusions.html" title="Link to Everypaw's Pet Insurance Exclusions page">our policy exclusions.</a> 
 
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.

Getting your furry friend covered shouldn&#39;t just come down to cost. There&#39;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&#39;s all about finding the Lifetime Pet Insurance that works best for you and your pet.

*Based on Everypaw claims data from February 2024 to March 2025

An older dog for pet insurance for older pets

As our furry companions age, they&#39;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&#39;s why we don&#39;t have age limits on our policies. Our <a href="/Home/pet-insurance-for-older-pets.html">pet insurance for older pets</a> can help you do the most important thing &ndash; looking after your pet.

What about younger pets? We also offer <a href="/cat-insurance/kitten-insurance" title="Link to Everypaw's Kitten Insurance page">kitten</a> and <a href="/dog-insurance/puppy-insurance" title="Link to Everypaw's Puppy Insurance page">puppy insurance</a>, 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.&nbsp;

Four animals for Everypaw's Multi-pet Insurance

Whether you are looking for a playmate for your pet or if your house is more like a <a href="/dog-insurance" title="Link to Everypaw's Dog Insurance page">dog</a>, <a href="/cat-insurance" title="Link to Everypaw's Cat Insurance page">cat</a> and <a href="/rabbit-insurance" title="Link to Everypaw's Rabbit Insurance page">rabbit</a> smallholding, you need multi-pet insurance that works for you. Everypaw&#39;s policies are just that and give you a discount on every pet too. No matter how many pets you have, from glorious <a href="/dog-insurance/dog-breed-guides/golden-retriever-insurance-care-and-health-advice" title="Link to Everypaw's Golden Retriever Dog Breed Guide page">Golden Retrievers</a> and majestic <a href="/cat-insurance/cat-breed-guides/maine-coon-cat-insurance-care-and-health-advice" title="Link to Everypaw's Maine Coon Cat Breed Guide page">Maine Coons</a> to lovely <a href="/rabbit-insurance/rabbit-breed-guides/lionhead-rabbit-insurance-care-and-health-advice" title="Link to Everypaw's Lionhead Rabbit Breed Guide page">Lionheads</a>, it&#39;s there for every single paw.

Link to the Everypaw Multi-pet Insurance page

How Does Pet Insurance Work: Getting a Quote

Our pet insurance quote form takes just 3 minutes to fill out. Here&#39;s how it works:

<ul>
	<li>Select which type of pet you&#39;re looking to insure and enter their age, breed and sex</li>
	<li>Enter basic personal details about yourself including your email and home addresses</li>
	<li>Select your vet fees limit</li>
	<li>We&#39;ll give you a pet insurance price! And we&#39;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</li>
</ul>

Will my pet insurance cover pre-existing conditions?

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&#39;s worm problem.&nbsp;<a href="/Home/all-things-pet.html" title="Link to Everypaw's All Things Pet blog">Everypaw&#39;s All Things Pet blog</a>&nbsp;has the content to keep you informed.

Most Popular Celebrity and Royal Pet Names 2025

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The 2025 Everypaw Awards

Link to The UK's Top 15 Strangest Pet Names 2025 blog article

The UK's Top 15 Strangest Pet Names 2025

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Link to Everypaw Pet Portal information page

Everypaw Pet Portal policy management icon

For that extra peace of mind when your pets get up to mischief, there&#39;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 &#39;for pet&#39;s sake&#39;, know Everypaw is here for you and your pet when you need us most!

Why Choose Everypaw for Pet Insurance in the UK?

99% of claims paid in 5 working days*

Manage your UK pet insurance policy online in the&nbsp;<a href="https://www.everypaw.com/pet-portal-info" title="Link to Everypaw's Pet Portal Information page">Pet Portal</a>

Three animals for Everypaw's Multi-pet Insurance

Choosing the right pet health insurance isn&#39;t always easy. We know that. And we also know that a key part of deciding is knowing what&#39;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:

<ul>
	<li>Treatment for any pre-existing conditions</li>
	<li>Treatment for poisoning or any accidental injury that occurs in the first 3 days of your policy*</li>
	<li>Treatment for any illness that occurs in the first 14 days of your policy*</li>
	<li>Treatment related to vaccine-preventable conditions</li>
	<li>Treatment related to breeding, pregnancy or birthing</li>
	<li>Treatment on baby teeth if your pet is over 16 weeks when your policy starts</li>
</ul>

*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 <a href="/Home/pet-insurance-policy-exclusions.html" title="Link to Everypaw's Policy Exclusions page">exclusions page</a>&nbsp;for further details.

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&rsquo;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&rsquo;s no more paperwork for you, and we&rsquo;ll keep you updated every step of the way.&nbsp;&nbsp;&nbsp;

If your vet can&rsquo;t submit the claim, don&rsquo;t worry; you can still submit it in the <a href="https://petportal.everypaw.com/register#login" target="_blank" title="Link to the Everypaw Pet Portal">Everypaw Pet Portal</a>. It&rsquo;s straightforward; just log in and follow the instructions. Alternatively,&nbsp;you can <a href="https://www.everypaw.com/downloads-2020/everypaw-claim-form.pdf" target="_blank" title="Link to download an Everypaw claim form">download a claim form</a>, but this can take longer.

Please refer to the guidance in your policy documents for Third Party Liability claims.&nbsp;&nbsp;&nbsp;

For more information, head to our <a href="/Home/claims.html">Pet Insurance Claims information page</a>.

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&#39;re protected. Choose Everypaw for pet insurance in the UK and give yourself that priceless peace of mind.

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 <a href="tel:03445431009" title="Call Everypaw Customer Services and Claims">0344 543 1009</a>.

Two levels of our Lifetime Pet Insurance cover have been rated 5 Stars by independent financial business, Defaqto, for 8 years in a row.

Deciding which pet insurance your furry bundle of fun needs can be tricky, especially if you&#39;re a new fur-parent. That&#39;s why here at Everypaw.com, we&#39;re trying to keep things simple, we&#39;re all about&nbsp;<a href="/Home/lifetime-pet-insurance.html" title="Link to Everypaw's Lifetime Pet Insurance page">Lifetime Pet Insurance</a>.

Our Lifetime cover is available for your cats, dogs and rabbits. And if you&#39;re looking to cover your cat or dog, there&#39;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.

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Dog Insurance

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Rabbit Insurance

Pet Insurance | UK Pet Insurance Quotes | Everypaw

Link to get an Everypaw Pet Insurance quote

How Does Pet Insurance Work?

Understanding the Basics of Pet Insurance

How Pet Insurance can Help

Do I Need to Have Pet Insurance?

What to consider with pet insurance

What Is Included with Pet Insurance?

How Do I Make a Pet Insurance Claim?

Common Pet Insurance FAQs

Can I still insure older pets?

What is the alternative to pet insurance?

What about pre-existing conditions?

Can I insure dogs and breeds with known health issues?

When should I get pet insurance?

Can I go to any vet?

How do I file a claim at Everypaw?