Image icon for Everypaw's Terms and Conditions page

We reserve the right at any time without notice to revise the content of our website (including the services offered by us) and these Terms and Conditions. Any changes to these Terms and Conditions will be posted on our website and by continuing to use our website following any such change you will signify that you agree to be bound by the revised Terms and Conditions.

6.1. Unless otherwise stated the copyright, design rights, trademarks and patents in all website design, text, graphics, the selection and arrangement thereof, and all software compilations, underlying source code, software (including applets) and all other material on our website belong to us, or our content and technology providers and any other rights in all material on our website are owned by us or the rightful owner as the case may be. All such rights are reserved.

6.2. The trademarks, logos and service marks (the &quot;Trademarks&quot;) displayed on our website are either our registered and unregistered Trademarks or those of others.

6.3. Nothing contained on our website should be construed as granting by implication, estoppel or otherwise any license or right to use any of the Trademarks displayed on our website without the prior written permission of the owner of the Trademarks.

6.4. Any misuse of the Trademarks or any content displayed on our website is strictly prohibited.

6.5. Use of any content, documents and/or related graphics on our website is for information and/or personal use only; any copies of these pages saved to disk or to any other medium may only be used for subsequent viewing purposes or to print extracts for personal use.

6.6. No document or related graphics are to be modified in any way.

6.7. Graphics on our website are not to be used separately from the accompanying text.

6.8. The Pinnacle Insurance Ltd copyright notice (i.e. &copy; Pinnacle Insurance Ltd) must appear in all copies.

6.9. No part of our website may be published, copied, transmitted, redistributed, adapted or otherwise reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission or that of the rightful owner.

6.10. Any rights not expressly granted in these terms are reserved.

6.11. Intellectual property rights in all software and documentation supplied by us for your use in connection with the website remain our property or that of our licensors.

10.1. Pinnacle Insurance Ltd (Company Registration number 1007798) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Pinnacle Insurance Ltd appears on the Financial Services Register and our Financial Services Register Number is 110866. You can check this by visiting <a href="https://register.fca.org.uk/s/" rel="nofollow" target="_blank" title="Link to the Financial Services Register website">https://register.fca.org.uk/s/</a> or by contacting the FCA on <a href="tel:0800 111 6768" title="Telephone link to the Financial Conduct Authority">0800 111 6768</a>. Pinnacle Insurance Ltd is also a member of the Association of British Insurers whose address is One America Square, 17 Crosswall, London EC3N 2LB.

Pinnacle Insurance Ltd. Registered in England and Wales Number: 1007798. Registered office: Registered office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH.

We reserve the right in our sole discretion to deny users access to our website or any part of our website without notice and to decline to provide the service to any user that is in breach of these terms and conditions of use.

7.1. We will use contact information from any enquiry to deliver information and other confirmations to you and to get in touch with you when necessary.

7.2. Apart from your personal information, which is addressed by our Privacy Policy, we will treat any communication or material you send to our website electronically, or otherwise, including financial information but limited to data, questions, comments, suggestions, or submissions ("your information"), as non-confidential and non-proprietary. By submitting your information to our website, you irrevocably agree never to assert any copyrights, moral rights, or other rights you may have in such material.

7.3. We may use your information for any purpose, including but not limited to reproduction, transmission, disclosure, publication, broadcast and posting.

7.4. We may also use any ideas, concepts, techniques, or know-how contained in your information for any reason, including but not limited to developing, manufacturing and marketing our website and our services.

7.5. In order that we may provide you with products and services that are relevant to your requests, you confirm that all information you have provided to us is accurate. If you wish to correct or update any information you have provided, you can do so by contacting us. If you provide false or misleading information to us this may result in termination of the product or service and may result in legal action against you.

We shall not be liable to you for any breach of these terms and conditions of use or any failure to provide or delay in providing our services through our website resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock-outs and other industrial disputes, breakdown of systems or network access, fire, explosion or accident.

8.1. The court may strike out or override any part of these Terms and Conditions, which it considers unfair, unreasonable, invalid or unlawful (whether an entire clause or only part of one) and in such cases enforce these Terms and Conditions as if the offending part had never been contained in it. The paragraph headings are for information only, and do not form part of these Terms and Conditions.

2.1. We will use our reasonable endeavours to maintain our website in an acceptable working condition. However, as we cannot guarantee that this will always be the case we cannot accept responsibility for any interruptions or failures in the operation of our website or for any defects that may exist, or for any costs, loss of profits, loss of data, or consequential losses arising from your use of, or inability to access or use our website. In addition we do not warrant that the information accessible via our website is accurate, complete or current.

2.2. Access to our website may be suspended, temporarily or permanently, without notice.

These terms and conditions shall be governed by and construed in accordance with English law and the parties agree to submit to the exclusive jurisdiction of the English Courts.

9.1. Unless otherwise agreed these Terms and Conditions shall be governed by and construed in accordance with English law and the parties agree to submit to the exclusive jurisdiction of the English Courts.

1.1. This website (&ldquo;our website&rdquo;) is operated on behalf of Pinnacle Insurance Ltd and other Pinnacle Pet Group companies by Pinnacle Insurance Management Services Ltd, a public limited company, registered in England under registration number 2729650 (together &quot;we, us, our&quot;). Our registered address is 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH, United Kingdom.

1.2. These Terms and Conditions govern your use of our website. We strongly advise you to read the Terms and Conditions as they form a contract between you and us for the use of our website.

1.3. If you do not agree with these Terms and Conditions please do not use our website. By accessing our website, you are deemed to have accepted these Terms and Conditions in full.

1.4. Please note that there are other terms that may apply to you. These terms of use refer to the following additional terms, which also apply to your use of our site:

Our <a href="/Home/privacy-cookie-policy.html" title="Link to Everypaw's Privacy and Cookie Policy">Privacy Policy</a>, which sets out how we may use your personal information.

Our <a href="/Home/privacy-cookie-policy.html" title="Link to Everypaw's Privacy and Cookie Policy">Cookie Policy</a>, which sets out information about the cookies on our site.

3.1. You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you will commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

3.2. You must not use any part of the content on our site for any commercial purposes. The use of automated systems or software in particular, to enter or extract data from this website, is strictly prohibited.

3.3. You must not link any other websites to our website without our permission.

4.1. Our website, its contents and references are provided without any representation, term, condition or warranty of any kind, either express or implied (and whether implied by law, custom, or otherwise) in respect of our website and/or its content to the extent permitted by law. Unless we specifically state otherwise, the information and content on our website is provided &quot;as is&quot; and with all faults and you take the entire risk as to satisfactory quality, performance, accuracy and effort.

4.2. We will use reasonable efforts to ensure that the content on our website is accurate, complete and current, we do not however guarantee or represent that the content will always be accurate, complete, or current, or that your access to our website will be uninterrupted.

4.3. We will be released from our obligations under these Terms and Conditions in the event of any causes beyond our responsibility or control, which renders the provision of our website impossible or impractical.

4.4. We exclude to the fullest extent possible under English Law, save in respect of death or personal injury arising from negligence, all liability for any claims, losses, demands or damages arising directly, or indirectly out of, or in any way connected with the content, or your use, or inability to access our website including without limitation damage to, or viruses which may affect your computer equipment or other property on account of your access to, use of, or downloading from our website. You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

4.5. We assume no liability for any errors or omissions in the content of our website and your use of our website is entirely at your own risk. In addition, we do not accept any liability in respect of losses or damages arising out of changes made to the content of our website by unauthorised third parties.

4.6. You acknowledge that you are solely responsible for the use to which you put our website and all the results and information you obtain from it and that all warranties, conditions, undertakings, representations and terms whether expressed or implied, statutory or otherwise are hereby excluded to the fullest extent permitted by law.

4.7. Nothing in these Terms and Conditions shall exclude, limit or restrict either our duties to you or those of Pinnacle Insurance plc under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation which regulates the carrying out of investment or financial business in the United Kingdom, or any conduct of business rules which we are bound to comply with.

4.8. We have not reviewed all the websites which are linked to our website and we do not endorse or approve or accept any responsibility for the material contained on or in the contents of such linked websites. If you connect to a linked website you do so entirely at your own risk. We do not accept any responsibility for the content or privacy practices of any website to which a hypertext link from our website exists. The links are provided &quot;as is&quot; with no warranty, express or implied for the information provided within them.

4.9. The materials on our website do not constitute financial or other professional advice. Contact an independent financial adviser or other professional adviser for financial or other advice.

5.1. We reserve the right to amend these Terms and Conditions for whatever reason, at any time and without notice. You will be bound by such revisions and you should therefore ensure that you regularly visit this page to review our current Terms and Conditions from time to time.

5.2. We reserve the right to periodically add, change, or improve any of the information and content on our website and in respect of our services for whatever reason, at any time and without notice.

5.3. We reserve the right to remove any content from our website for whatever reason, at any time and without notice and to deny you with access to all, or any part of our website.

6. Copyright, Other Intellectual Property Rights and Licence

1.1. This website (&ldquo;our website&rdquo;) is operated on behalf of Pinnacle Insurance Ltd and other Pinnacle Pet Group companies by Pinnacle Insurance Management Services Ltd, a public limited company, registered in England under registration number 2729650 (together &quot;we, us, our&quot;). Our registered address is 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH, United Kingdom.

1.2. These Terms and Conditions govern your use of our website. We strongly advise you to read the Terms and Conditions as they form a contract between you and us for the use of our website.

1.3. If you do not agree with these Terms and Conditions please do not use our website. By accessing our website, you are deemed to have accepted these Terms and Conditions in full.

1.4. Please note that there are other terms that may apply to you. These terms of use refer to the following additional terms, which also apply to your use of our site:

Our <a href="${link:{uuid:{e138c255-24a3-4da6-8b61-0e1730819d15},repository:{website},path:{/Home/privacy-cookie-policy}}}" title="Link to Everypaw's Privacy and Cookie Policy">Privacy Policy</a>, which sets out how we may use your personal information.

Our <a href="${link:{uuid:{e138c255-24a3-4da6-8b61-0e1730819d15},repository:{website},path:{/Home/privacy-cookie-policy}}}" title="Link to Everypaw's Privacy and Cookie Policy">Cookie Policy</a>, which sets out information about the cookies on our site.

Terms & Conditions | Everypaw

Terms & Conditions

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

Link to log in to the Everypaw Pet Portal

A dog and a cat compare Everypaw's Insurance for Pets

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

Link to the UK's Most Popular Celebrity and Royal Pet Names 2025

Link to Our Guide to the 2025 Everypaw Awards

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

A phone screen image of Everypaw's Pet Portal

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?

<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

99% of claims paid in 5 working days*

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 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.

A phone image of an Everypaw Petcall vet nurse

Link to the Everypaw Petcall information page

Dog Insurance

Cat Insurance

An image link for Everypaw Rabbit Insurance

Link to the Everypaw Rabbit Insurance page

Rabbit Insurance

Pet Insurance | UK Pet Insurance Quotes | Everypaw

Link to get an Everypaw Pet Insurance quote

Terms & Conditions

1. Introduction

2. Our Obligation to You

3. Restrictions on Use

4. Disclaimers

5. Our Rights Reserved

6. Copyright, Other Intellectual Property Rights and Licence

Your Submissions to Our Website

8. Severance

9. Jurisdiction

10. Regulation