I recently had to use my insurance on my younger dog so I was so glad I took out insurance on her. I studied hard the type of policy I wanted and felt would be best tailored to cover her and am more t... Vis mer
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It's not very often that you get to speak to someone at an insurance company that is so compassionate. When I needed to make a claim, the person I spoke to was lovely. My claim was dealt with kindly... Vis mer
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Very disappointed with this cat insurance. We started at around £10 a month, and just two years later it had increased to £18 — an 80% increase despite never making a single claim. When I called,... Vis mer
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When Indiana Bones (Indy) came into our lives, Pet insurance was something we took very seriously. 4 Paws was our insurer of choice, not only because of the cost, but also the additional services pro... Vis mer
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Informasjon om virksomheten
Om 4Paws Pet Insurance
Skrevet av virksomheten
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.
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Kontaktopplysninger
59 Copthall Bridge, Station Parade, HG1 1TT, Harrogate, Storbritannia
- 01423535040
- petclaims@4paws.co.uk
- 4paws.co.uk
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The advisor I spoke to was super…
The advisor I spoke to was super helpful. My claim was dealt with quickly and efficiently. Thank you for all of your help
1. september 2026
Bruker kanskje KI til å svareVis mer
På Trustpilot legger vi vekt på bidrag fra faktiske personer. Denne virksomheten kan imidlertid også bruke KI-verktøyet vårt til å lage utkast til svarene de gir.
Don’t Treat Loyal Customers As Cash Cows!! £800+ For One Claim-Free 7 Year Old Cat! Shocking!!
The cost of this policy has become increasingly unreasonable over the past couple of years, with the premium having increased by over £200 per year for a healthy, young indoor cat with zero claims. This is particularly difficult to justify when comparable insurance is available at significantly lower cost.
For example, I have obtained a quote, using the exact same details as nothing has changed, to insure both of my cats for £329.36 per year on a lifetime policy, with greater benefits and cover than this policy currently provides.
For clarity, this is not a one-off promotional quote; it is representative of the average cost of comparable cover online. In contrast, 4paws were increasing my policy from £600+ to £800+ for just one cat!
Cover for the one pet covered alone was quoted online for £197.32, with greater benefits and cover than 4Paws policy provides, which is less than the 4Paws proposed yearly increase!!
Your responses to reviews cite market conditions, pet’s history, pets age etc., the usual generic responses, but neither adequately explains the scale of this increase.
Like-for-like quotations using the SAME pet details and the SAME comparable level of lifetime cover is available for approximately 25% of the premium you are charging.
Nothing has changed my side; only the price has increased. The figures speak for themselves: £800+ for ONE claim-free cat versus £329.36 to cover TWO claim-free cats.
I have been a loyal customer for over 6 years, but unfortunately the continued increases in cost have left me with little choice.
It seems that loyalty no longer offers any particular benefit to customers so I will afford 4paws the same consideration and take my business elsewhere.
26. september 2026
Anmeldelse skrevet uten oppfordring
Svar fra 4Paws Pet Insurance
Hi there,
Thank you for taking the time to write such a detailed review, and for being with 4Paws for over six years.
I’m really sorry that your recent renewal has left you feeling that your loyalty isn’t valued - looking at the increase from just over £600 to £800+ for a claim‑free indoor cat, I completely understand why it feels unreasonable, especially when you’ve found much lower prices elsewhere.
You’re absolutely right to expect a clear explanation when your premium goes up by that sort of amount. For your renewal, we’re not just looking at what has happened so far (in your case, no claims), but what the expected cost of future treatment could be.
At 7 years old, your cat moves into a higher risk age band from an underwriting point of view, even though she’s healthy and indoors. Age‑related illnesses and chronic conditions become more likely, and lifetime cover is specifically designed to keep paying year after year for those longer‑term issues. We also have to factor in how much vet treatment now costs - diagnostics, referrals and ongoing medication have all risen significantly over recent years - and how claims are emerging across similar pets and policies, not only on individual policies.
You’ve compared this with quotes online that use the same pet details and offer lifetime cover at a much lower price. One important difference is that new business prices are calculated differently from renewal prices:
New business quotes don’t include any claim rating from previous policies, because the new insurer has no claims history with you yet on that policy.
They often include introductory or new business discounts in the first year to attract new customers, which are not built into renewal pricing.
Even when headline limits look higher, the detailed terms (such as inner limits, excesses, how long‑term conditions are supported) can vary between products and affect the true long‑term cost.
So while it understandably looks like you are paying far more simply for staying, the renewal premium is driven by the expected future cost of providing lifetime cover for an older pet in today’s veterinary market, while the new quotes you’re seeing are discounted, first‑year prices without your policy’s history.
That explanation doesn’t change how disappointing this feels, and I’m genuinely sorry that the increase has led you to consider leaving after many years with us. We are more than happy to look into this further with you, so please give us a call on 01423 535040, and one of our friendly renewal advisors will be able to assist you.
Thank you again for your loyalty so far and for being so open about your concerns - it really helps us see where we need to be clearer and fairer in how we explain our pricing.
Kind regards
Lauren
Pet Team Leader
My claims were paid without any fuss…
My claims were paid without any fuss and in a relatively short time, thank you.
3. september 2026
Svar fra 4Paws Pet Insurance
Good morning Barry
Thank you so much for taking the time to share this.
I’m really glad to hear your claims were paid quickly and without any fuss.
We’re very grateful you chose us to support you. We’re always here for you and Polly, so if you need us again, we’re right here.
From all of us here at 4Paws, have a great rest of your week.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Excellent communication and great…
Excellent communication and great customer experience. Thank you for your continued support
7. august 2026
Svar fra 4Paws Pet Insurance
Hi there
Thank you so much for your lovely feedback.
It means a lot to hear that you’ve experienced excellent communication and great service from us.
We really do appreciate you, and if you ever need us again, we’re here for you.
From all of us here at 4Paws, we hope Kiki is feeling much better.
Kind regards
Lauren
Pet Claims Assessment Team Leader
I recently had to use my insurance
I recently had to use my insurance on my younger dog so I was so glad I took out insurance on her. I studied hard the type of policy I wanted and felt would be best tailored to cover her and am more than happy with what we have. I’ve had great communication from everyone I’ve spoken to over this claim period and am most grateful to have had the cover in place. Would definitely recommend to anyone.
1. august 2026
Svar fra 4Paws Pet Insurance
Good morning
Thank you so much for sharing this, and I’m really sorry to hear your younger dog has needed treatment - it’s always worrying when they’re unwell.
It’s lovely to know that the time you spent choosing the right cover has paid off and that you’ve felt supported and well‑informed throughout your claim.
We’re genuinely grateful you trusted us to look after her, and it means a lot that you would recommend us to others.
Wishing your girl a smooth recovery and many happy, healthy years ahead.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Excellent service
It's not very often that you get to speak to someone at an insurance company that is so compassionate. When I needed to make a claim, the person I spoke to was lovely. My claim was dealt with kindly & efficiently and I was treated with empathy. I would not hesitate to use this company again. The cover was comprehensive & competitively priced. It was easy to speak to an actual operative. 10/10
1. juli 2026
Svar fra 4Paws Pet Insurance
Good afternoon
Thank you so much for taking the time to share such a lovely review.
I’m really sorry you had reason to make a claim, but I’m glad to hear you felt treated with kindness, empathy and efficiency throughout.
That’s exactly the level of care we want to provide, especially when things are stressful or worrying.
We’ll be sure to pass your feedback on to the colleague and wider team involved in your claim - it will mean a great deal to them.
Thank you again for your kind words and for choosing us.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Excellent customer service every time I…
Excellent customer service every time I need to call. Most recently with Holly who is helping me with a complicated claim.
16. september 2026
Anmeldelse skrevet uten oppfordring
Svar fra 4Paws Pet Insurance
Good morning
Thank you so much for your lovely feedback.
We’re really pleased to hear you’ve consistently received excellent customer service, and that Holly has been able to support you with your complicated claim.
I’ll be sure to share your amazing feedback with Holly and the team - it really does mean a lot to us.
If you need us again, please get in touch - we’re always here to help.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Svar fra 4Paws Pet Insurance
Hi there,
Thank you so much for your lovely feedback.
We’re really pleased to hear you’ve found us efficient and felt well updated throughout - that’s exactly the experience we aim to provide.
Should you need anything from us again, please do let us know.
Thanks
Lauren
Pet Claims Assessment Team Leader
Would 100% not recommend
I would not recommend getting pet insurance through 4paws. Started a policy when my dog was a puppy - he had an episode of gastroenteritis and two grass seeds requiring removal. They increased the policy cost by almost double after a year - when I queried how they had come to this decision, they advised that they assess this in the likelihood of claims for similar problems. The likelihood of random incidents such as grass seeds and gastroenteritis are likely the same each year, and not a chronic health condition with likely future issues. This is an excessive and money grabbing exercise from an insurance company. Have since found a new and more reasonable company with whom to take out my pet plan.
2. september 2026
Svar fra 4Paws Pet Insurance
Good morning
Thank you for taking the time to leave your feedback, Sally, and I’m sorry to hear you’ve been left feeling this way about your policy with us.
I appreciate how frustrating it can be to see a significant increase at renewal, especially when the claims you’ve had feel like “one‑off” incidents rather than an ongoing condition. I’d like to explain a bit more about how our premiums are calculated to provide some context.
We review premiums each year using a range of risk and cost factors, including (but not limited to):
Your pet’s age - the likelihood and cost of treatment generally increase as pets get older.
Breed and type of pet - some breeds have higher typical claim costs or frequencies.
The level of cover and excess selected.
Your individual claim history - including number and type of claims.
External cost pressures - such as rising vet fees and treatment costs.
When you make a claim, this informs how we assess the future risk for that policy. While some conditions are clearly chronic and others appear more “one‑off”, our pricing models look at the data across many pets with similar claims, ages and breeds, to estimate the likelihood and cost of future claims. This can mean that even what feels like a random incident can still influence the expected risk level at renewal.
It is also important to note that new business prices are typically lower because they do not yet include any risk loading based on claims experience for that particular pet. Once a policy is in place and claims are made, the renewal premium is adjusted both for general cost trends and for the specific risk profile of the pet, which can make renewal premiums higher than prices offered to brand new customers.
I fully understand why, from your perspective, this feels excessive and unfair, and I’m sorry we’ve not been able to meet your expectations on this occasion. We absolutely do not intend our pricing to come across as “money grabbing”; it is based on actuarial analysis of risk and claims costs, but I appreciate this doesn’t change how it feels when you receive your renewal.
If you would like us to look at your case in more detail and explain your specific renewal in full, we would be happy to do so.
Kind regards
Lauren
Pet Claims Assessment Team Leader
a bit of chore when it came to claims…
a bit of chore when it came to claims but customers service was good.
The score is largely based on my renewal which jumped from £34 to £97 a month !!!! Totally unacceptable and ridiculous.
8. juli 2026
Svar fra 4Paws Pet Insurance
Good morning Mr Manns,
Thank you for taking the time to leave a review and providing your honest feedback.
I’m pleased to hear you found our customer service good, but I’m really sorry that your claims experience felt like a bit of a chore and that your renewal premium has caused such frustration. A jump from £34 to £97 a month is understandably concerning.
Premiums can increase for a number of reasons, including claims history and wider market conditions, but we absolutely appreciate that this still needs to be explained.
We hope Lizzy is doing well.
Kind regards
Chloe
Pet Claims Assessment Supervisor
Very disappointed with this insurance
Very disappointed with this cat insurance. We started at around £10 a month, and just two years later it had increased to £18 — an 80% increase despite never making a single claim.
When I called, I was told it was due to “increased risk” as the cat gets older. He went from two to three years old, which hardly seems enough to justify such a huge increase, especially with zero claims.
I’ve now cancelled ahead of the next renewal, as at this rate I can only expect the price to increase even further.
12. september 2026
Anmeldelse skrevet uten oppfordring
Svar fra 4Paws Pet Insurance
Good morning,
Thank you for taking the time to share your concerns regarding the increase in your cats insurance premium.
We understand how frustrating it can be to see a price change, especially when you haven’t made any claims, and we’re sorry for any disappointment this has caused.
While individual claim history is one factor, premiums are primarily based on a wider set of risk and cost indicators. These include things like your pet’s age, breed, the level of cover selected, where you live, and the overall pattern of claims and rising veterinary treatment costs across similar policies.
As pets get older, the likelihood and cost of treatment generally increase, and this is reflected in the way premiums are calculated.
We appreciate that our previous explanation around increased risk with age may not have fully addressed your concerns. We are always reviewing our pricing structures and customer feedback to ensure fairness and transparency, and your comments are very valuable in that process.
Kind regards,
Chloe
Pet Claims Assessment Supervisor
Making 2 claims over last 2 years
We have, unfortunately, had to claim on our 4Paws insurance for both of our cats over the last couple of years. Both of these claims were handled smoothly, quickly & with no fuss. Making a very emotional and stressful time easier. Thank you so much!
1. mai 2026
Svar fra 4Paws Pet Insurance
Good morning Mrs Callue,
Thank you for taking the time to leave us this wonderful 5-star review!
We are so glad to hear that we could provide some comfort during a difficult time. It means a lot to us that our claims process was smooth and efficient for your beloved cats.
Thank you for sharing your positive experience with us and we hope Monty and Flynn are doing well.
Kind regards
Chloe
Pet Claims Assessment Supervisor
Svar fra 4Paws Pet Insurance
Good morning Mrs Godfrey
Thank you so much for your 5‑star review. I’m really pleased to hear your claim was handled speedily and efficiently.
We really appreciate you taking the time to share your feedback.
Should you need us in the future, please do get in touch.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Great comment would recommend it to…
Great comment would recommend it to anyone so helpful and understanding
27. august 2026
Svar fra 4Paws Pet Insurance
Hi there
Thank you so much for your lovely feedback and recommendation - it really means a lot.
I’m glad you felt we were helpful and understanding, and we’ll be here whenever you need us again.
Give Molly a big hug from all of us here at 4Paws!
Kind regards
Lauren
Pet Claims Assessment Team Leader
Our experience with 4 paws insurance…
Our experience with 4 paws insurance for the first time that we made a claim for our loved yorkie of now 10yrs! Im happy to say that all went effortlessly well.
27. august 2026
Svar fra 4Paws Pet Insurance
Good morning Mrs Daily
Thank you so much for taking the time to share this, and for trusting us with Mouse Sweetpea's first claim.
It’s really important to us that things feel as smooth and stress‑free as possible, especially when your pet isn’t at their best, so I’m genuinely pleased to hear everything went effortlessly well for you.
If you ever need us again, we’ll be here to help.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Unacceptable rise in premium
My dog was insured for 8 years on a “for Life” plan and I found the Claims staff really helpful when I needed to make a claim. My dog is now over 9 years and last year needed a heart scan prior to dental treatment. Although the claim was handled efficiently, my monthly premium has risen from £114 per month to £285 per month, which is unaffordable. I have not renewed my policy, hence 4 stars.
8. august 2026
Anmeldelse skrevet uten oppfordring
Svar fra 4Paws Pet Insurance
Hi Lorna,
Thank you for taking the time to leave this review and for insuring your dog with us for so many years. I’m really pleased to hear you found our claims team helpful and that your claim for the heart scan was handled efficiently.
I’m genuinely sorry to hear that the recent increase in your premium has made the policy unaffordable, especially after such a long period of cover.
I completely understand how upsetting and frustrating that must feel.
With lifetime policies, premiums can increase over time for several reasons - including your pet’s age, any ongoing or significant medical history, and the rising cost of veterinary treatment in general.
The aim is to make sure we can continue to provide cover for existing and future conditions for the lifetime of your pet. However, I absolutely recognise that in your case the jump from £114 to £285 per month is very large and has clearly had a big impact.
I’m sorry we didn’t manage to find a way to keep you with us this year. If you would be open to it, we’d be happy to review your options - for example, looking at different excesses or cover levels to see if there is anything that could make the policy more manageable for you, while still keeping your dog protected.
If you’d like to discuss this further, please contact our Sales and Renewals team with your policy details and we’ll be more than happy to go through everything with you in detail.
Thank you again for your feedback, and for trusting us with your dog’s cover over the past 8 years.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Price has more than doubled this year…
Price has more than doubled this year out of nowhere after being with them for my dog for 8 years. I am so upset, disappointed and I feel very much betrayed from this huge price jump.
They know how hard it is to swap pet insurance due to the not-covering-pre-existing-conditions rule everywhere so we are now stuck with trying to find the extra money from somewhere for our beloved dog.
I know this review will have some generic response from them (it’s to do with your pets age, breed, claims, etc.) pretending they can do something or that they care but we already contacted them about this and they did not care at all. Very disappointing.
14. august 2026
Anmeldelse skrevet uten oppfordring
Svar fra 4Paws Pet Insurance
Hi there,
Thank you for taking the time to share this, and I’m genuinely sorry that you’ve been left feeling upset, disappointed and betrayed - that is absolutely not how we want any of our long-standing customers to feel, especially after 8 years with us.
A premium increase of the size you’ve described is significant, and we completely understand how worrying and frustrating that is, particularly when you feel you have limited options due to pre-existing conditions. We never want anyone to feel “stuck” or that their loyalty and care for their pet are being taken advantage of.
You’re right that we often talk about things like age, breed, claims history and the increasing cost of veterinary treatment as key factors in pricing - and while those are genuine reasons behind changes, I appreciate that this can sound very generic and impersonal when you’re facing a real impact on your monthly budget.
I’m really sorry that when you previously contacted us you felt we didn’t care or weren’t able to support you. That’s not the experience we want you to have, and I’m disappointed we’ve left you feeling that way.
We would really like the chance to look at your policy in detail and talk this through properly with you - not just to repeat the same explanation, but to:
Go through exactly what has changed on your policy and why.
Check whether there are any alternative cover or excess options that might help bring the cost down while still protecting your dog.
Make sure you fully understand all of your options, so you can make the best decision for you and your pet.
As this is a public forum, I can’t discuss specific policy details here, but if you’re willing, please contact us directly so we can review this with you:
By phone: 01423 535040
Or by email: Petclaims@4paws.co.uk with your policy number and a brief note referencing this review.
If you prefer, you can also send us a private message with your details and we’ll arrange for a member of the team to contact you.
We genuinely do care about doing the right thing for our customers and their pets, and I’m sorry that hasn’t come across in your recent experience.
Thank you again for your feedback - it helps us understand where we need to do better, both in how we explain things and in how we support loyal customers like you.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Massive increase in premiums this year
Massive increase in premiums this year, doubled this year after a 70%+ increase last year, now over £3000 per year! The experience with 4Paws with a previous dog 10 years ago was much different which is why we insured with them and now regretting our decision. Claims are also not paid out as promptly and one was rejected until I made a complaint.
They were taken over 2 years ago and this appears to have led to huge premium increases and poorer service. It feels like a rip off company now.
15. juli 2026
Anmeldelse skrevet uten oppfordring
Svar fra 4Paws Pet Insurance
Good afternoon Simon,
Thank you very much for your feedback and for taking the time to contact us.
I completely appreciate that premium increases can be frustrating, and I’m sorry we’ve not been able to offer a cheaper renewal on this occasion. When calculating premiums, we consider a number of factors, including your pet’s age, breed and any previous claims. This helps us ensure that premiums are set as fairly as possible, based on the level of risk your pet represents for the upcoming year.
I can see that we have discussed this with you previously; however, if you would like to talk this through in more detail or have any further concerns, please don’t hesitate to contact us on 01423 535040 and we will do all we can to help.
Kind regards
Daniel
4Paws Sales and Renewals Team
Thank you Craig!
I want to give a huge thank you to Craig for the outstanding support he gave me with my claim. He was absolutely amazing from start to finish—patient, kind, understanding, and genuinely committed to helping me.
As someone who is neurodivergent, communication can often be difficult and overwhelming. Craig's approach made such a significant difference. He took the time to listen, explained everything clearly, and never made me feel rushed or misunderstood. His empathy, professionalism, and willingness to go the extra mile turned what could have been a very stressful experience into one that felt manageable and reassuring.
This is the kind of customer service that truly changes someone's experience. Craig is a real credit to the company, and I sincerely hope his exceptional work is recognised.
Thank you again, Craig. Your support meant more than you probably realise.
23. juli 2026
Anmeldelse skrevet uten oppfordring
Svar fra 4Paws Pet Insurance
Good afternoon
Thank you so much for taking the time to share this lovely feedback.
I’m really pleased to hear how well Craig supported you throughout your claim, and that his patience, clear communication and empathy helped make a difficult situation feel more manageable for you.
We know how important it is to communicate in a way that feels accessible and reassuring, especially when things can be overwhelming, and I’m glad Craig was able to provide that for you.
Your comments mean a great deal, and we will be formally sharing this feedback with Craig and recognising his fantastic work. He is indeed a real credit to the team.
Thank you again for your kind words - we really do appreciate them, and we’re glad we were able to support you.
Kind regards
Lauren
Pet Claims Assessment Team Leader
Svar fra 4Paws Pet Insurance
Hi Fiona,
Thank you so much for your 5-star review.
We’re really pleased to hear you found the team friendly and that we showed care for Lucy.
I’m glad the payment was processed quickly for you.
Wishing Lucy a smooth and speedy recovery.
Kind regards
Chloe
Pet Claims Assessment Supervisor
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