Everyone at 4Paws is friendly and helpful and my claim last year was dealt with quickly and efficiently. My only criticism is that there was no 'wiggle' room on the renewal price.
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Never claimed but premiums were low till renewal, even with no prior conditions and a new policy quote inflated the price. Went elsewhere for same cover half the price, Sales were awful so pushy kep... See more
Company replied
I have been with 4 paws for several years now, and I am honestly starting to feel trapped within the scheme. I've had no issues with payout, however my price plan seems to increase by £100 yearly, des... See more
Company replied
I have been with 4 paws for 5 years, never made a claim before but Ruby has recently been diagnosed with a spinal issue and needs major surgery. I called, worried, expecting a robot. I got through to... See more
Company replied
Company details
About 4Paws Pet Insurance
Written by the company
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.
visit the website
Contact info
59 Copthall Bridge, Station Parade, HG1 1TT, Harrogate, United Kingdom
- 01423535040
- petclaims@4paws.co.uk
- 4paws.co.uk
3.8
Great
750 reviews
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Be careful when calling them up
I phoned them up to discuss my renewal. When they had a sniff that I wasn't going to renew they started on some very underhand tactics talking about other insurers wouldn't be able to help if my dog got joint issues or there was a pre-existing condition. Pretty much he was trying to put the fear into me that if I went with someone else and something happened to my dog it wouldn't be good. All true statements but to say it to try and make a sale is pretty poor. There's enough of these used car salesmen out there. Give your money to someone else.
14 April 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good morning
Thank you for your feedback
We understand your frustration with the renewal process and I am sorry to hear that you were unhappy with the service provided.
We strive to provide clear and transparent information to our customers, especially when it comes to potentially cancelling cover and leaving a pet with an ongoing condition and finding that there may be no cover with another provider. We certainly don't want our customers to perceive this as underhand tactics, it is simply making you aware of risks and benefits of continuing cover vs. starting again, so you, as a customer, can make a well informed decision about what is right for both you and your pet.
We will take this opportunity to review our communication practices and see where we can further improve.
Kind regards
Craig
Pet Manager
Highly recommend for your pet insurance…
Highly recommend for your pet insurance needs. I’ve been with 4Paws for nearly 10 years and never had a problem with any claims that I have.
Most importantly when my dog was very ill and needed an MRI - 4PAWS was there to help me and guided me with regards to my claim.
Thank you so so much.
10 March 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good Morning
Thanks for this fantastic review!
We are so happy to hear about your positive experience with us!
It's wonderful to know that you've been a satisfied customer for nearly 10 years and that we were able to support you during a difficult time with your dog's illness.
We strive to provide our customers with the best possible care and support, and your feedback means a lot to us.
Thank you for your kind words and for recommending us to others.
Should you need us again in the future, we are hear for you.
Have a great week!
Kind regards
Lauren
Pet Claims Assessment Team Leader
Excellent company to deal with
Excellent company to deal with, have been with them for 6 years, always helpful and sympathetic. Pay up with no hassle. Recommended them to my daughter who also has her dog insured with them
Thank you for your help x
7 April 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good afternoon Miriam,
Thank you so much for taking time out of your day to provide us with 5 stars feedback, we really do appreciate it.
I am so happy hear that you were pleased with the service we provided and that we were able to assist you and Poppy when needed.
If there is anything we can help you with, please do not hesitate to reach out.
Kind regards
Dominika
Senior Pet Claims Handler
Reply from 4Paws Pet Insurance
Good afternoon Mrs Riddick,
Thank you so much for taking the time to leave us this amazing 5-star review!
It really means the world to us, we are happy to hear you received an excellent service from our team.
Should you and Jess need anything from us in the future, please do not hesitate to reach out.
Kind regards
Dominika
Senior Pet Claims Handler
Trusted Insurers
It was a very traumatic time for us, our much loved labrador was very seriously ill. I had complete confidence in 4 Paws, they were our insurers for our last beloved dog and we knew we could trust them to not make a drama out of a crisis and would be there for us when we desperately needed them. Our claim was settled quickly and efficiently, no fuss with clear clear documentation. They are not the cheapest but when it really counts, cheapest is not always the best. You need your insurers step in and take care of your needs when something bad happens to your much loved pet.
13 February 2025
Reply from 4Paws Pet Insurance
Hi Susan
Thank you so much for taking the time to leave us this review and for trusting us again to insure your pet.
I am so pleased to hear that we were there for you when you needed us.
This review means a lot to us and I will be sure to share this with my wider team. If you need us for anything else in the future, please do not hesitate to give us a call.
From us all here at 4Paws, thank you again for taking the time to post this review, we really appreciate it.
Kind regards
Craig
Pet Manager
Easy claims process and zero quibble
17 February 2025
Reply from 4Paws Pet Insurance
Hi there
Thank you for your kind words. We're glad to hear you found our claims process easy and hassle-free.
If you need us for anything else in the future, please do not hesitate to let us know.
Kind regards
Craig
Pet Manager
Reply from 4Paws Pet Insurance
Good Morning Kay
Thank you so much for sharing your positive feedback with us.
We strive to make claim process as easy and stress-free as possible and we are happy to hear that we were able to meet your expectations.
If we can assist you and Ruby, please feel free to reach out to our team anytime.
Kind regards
Dominika
Senior Pet Claims Handler
Claim well handled
Handled and settled the claim for our cat's dental work quickly. Always kept me updated on their communication with our vet.
21 January 2025
Reply from 4Paws Pet Insurance
Hello Sharon
Thank you for taking the time to leave us the 5-star review!
We are thrilled to hear you have found our claims service efficient and that you were satisfied with the process.
We hope Odin is recovering well and should you need us again, please don’t hesitate to contact us.
Kind Regards
Dominika
Senior Pet Claims Handler
Dealt with my claims quickly let claim and easily
Dealt with my claims quickly and easily
10 March 2025
Reply from 4Paws Pet Insurance
Hello Clare,
Thank you so much for your feedback. We are thrilled to hear that you have had a great experience with us as we are aim to provide fast and efficient service.
If there anything else we can do for you or Robbie, don’t hesitate to reach out.
Kind regards
Dominika
Senior Pet Claims Handler
Quick and efficient at settling my…
Quick and efficient at settling my claim! Made the process really easy at what was a stressful time. Loved having access to the 24 hour online vet as my dog took unwell late at night. Would highly recommend!
15 January 2025
Reply from 4Paws Pet Insurance
Hello Nicola,
Thank you so much for sharing your positive experience with us. We are thrilled to hear that our 24/7 FirstVet service was helpful and on time. A quick and easy claim process is what we aim for and we are happy to hear that we met all your expectations.
If there is anything else we can do to keep you and Dexter happy, please let us know.
We wish you all the best.
Dominika
Senior Pet Claims Handler
Very impressed so far
I have found that my claim has been dealt with quickly and fairly, they have kept me updated all along the way and the people I have spoken to have been really helpful. I am really impressed.
1 February 2025
Reply from 4Paws Pet Insurance
Good morning Mrs Barber Hall,
We really appreciate you taking the time to share your positive experience with us. We are thrilled to hear that our Claims Team were able to provide the help you needed.
We are always here to make the claim process as easy and stress-free as possible.
If you ever have any questions or need any further assistance, our team is here for you and Luna.
We wish you all the best.
Dominika
Senior Pet Claims Handler
IfI have cancelled my DD..it stands to…
IfI have cancelled my DD..it stands to reason I no longer want the policy…DO NOT RING ME UP ASKING ME A MILLION QUESTIONS! I do NOT like being harassed!
4 March 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good morning
We are sorry to hear that you have been unhappy with the service that you have received. When taking out your policy we do ask you to contact us if you are looking to cancel the policy, there are no cancellation fees and you can cancel at any time.
Sadly, cancelling your direct debit does not cancel the contract of insurance and this will result in communication from us to check if you would still like us to cover your pet going forward, as this can often happen in error. There are a number of ways that you are able to cancel the policy, including our online portal, over the phone or via email.
Kind regards
Alisha
Pet Customer Care and Claims Supervisor
Reply from 4Paws Pet Insurance
Good morning
Thank you so much for leaving us this fantastic review.
We're so glad to hear that you had a positive experience. We appreciate your kind words and will share your feedback with our team.
We hope Mungo is feeling much better, should you need us in the future, please do reach out.
Have a wonderful week!
Kind regards
Lauren
Pet Claims Assessment Team Leader
Reply from 4Paws Pet Insurance
Hi Mrs Barr
Thank you so much for your review.
We are so glad to hear that we were able to help you during a difficult time. We strive to make the claims process as smooth and efficient as possible for our customers.
From all of us here at 4Paws, we hope Lottie is feeling much better.
Should you need us in the future, please do contact us.
Have a great week.
Kind regards
Lauren
Pet Claims Assessment Team Leader
We've insured our dog with 4Paws since…2018
We've insured our dog with 4Paws since 2018, but over the past couple of years, we've seen a shocking increase in premiums. What started as a £250 policy has now risen to over £1,200 at the latest renewal.
In those seven years, we made just one claim—for £360, which was actually less than that year’s premium. In total, we’ve paid around £4,000 in premiums, yet this extreme price hike suggests that 4Paws has little interest in insuring older dogs, even those as healthy as ours.
This became even more evident when I obtained an alternative quote for just £450. Expecting to negotiate, I called 4Paws but was bluntly told they wouldn’t lower the price at all. Instead, they simply warned me that switching insurers could mean losing coverage for pre-existing conditions—essentially leaving me with no choice but to accept their inflated pricing.
It's disappointing to see a company price out loyal customers, especially responsible pet owners who have made minimal claims.
27 February 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good morning
I am sorry to hear that you are disappointed with your renewal quote.
Please be aware there are several factors that contribute to each renewal quote we provide, such as your pets age or the cost of vet fees in your local area, both of which as you know have increased over the last 7 years. Whilst claims can impact a policy price. Currently we consider claims made within the last 2 years when calculating your quote. One of the most important factors we must consider is the length of time your policy has been active. This allows us to assist with treatments and claims that are relating to the 7 years of medical history that has accumulated whilst your policy has been active with us.
As my colleague confirmed when you contacted us. When purchasing a new policy, it is common to lose cover for medical history that is dated from before the start of a policy. This is considered ‘Pre-existing’ by most pet insurance providers, including us. This loss of cover, as well as differences within the policies, and introductory discounts, can often lead to the difference prices being offered to you, which is what you have witnessed.
We believe in providing an accurate and honest price to all customers, this allows customers to make an informed decision, knowing whether they contact us or not, the quote they received from us was the best price we can possibly offer in order for you to benefit from continuation of cover.
If you wish to discuss this in more detail, please do not hesitate to contact us.
Kind regards
Graham McKenzie
Sales & Renewals Team Leader
Disgraceful
Disgraceful - won't refund premiums taken after policy ended, very high handed approach to customer service
10 February 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good Morning Patrick,
I am so sorry to hear you are unhappy with your experience with us.
This really doesn't sound like us, as for any payments we collect, you are only ever required to pay for your time that your pet has had cover with us and anything beyond this, we will refund back to you.
Sadly, I am unable to locate your policy to investigate this further for you. Please can you call us on 01423 535 040 or email at PetClaims@JigsawInsurance.com and we will look into this and see what we can do to help.
Kind regards
Dominika
Senior Pet Claims Handler
My claim was settled quickly.
31 January 2025
Reply from 4Paws Pet Insurance
Good afternoon
Thank you for taking the time to leave us this fantastic 5 star review.
We are happy to hear that your claim was settled quickly.
Should you need us in the future, please do let us know.
Have a lovely rest of your day!
Kind regards
Lauren
Pet Claims Assessment Team Leader
Extremely helpful
Extremely helpful, in what has been a complicated claim!
5 February 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good Morning,
Thank you so much for your 5-star review.
It really warms our hearts to read that we have provided you with the very best service that we aim to give all our wonderful clients.
We hope your pet is recovering well, should you need us again in the future please do not hesitate to reach out.
Kind Regards
Dominika
Senior Pet Claims Handler
Helpful staff
Helpful staff. Quick response to claim form request and prompt settlement.
9 January 2025
Reply from 4Paws Pet Insurance
Hello Lynn
Thank you for taking the time to leave your review with us.
We are thrilled to hear that our team have been so caring and thoughtful when you’ve needed our help.
Should you need us again, please don’t hesitate to get in touch if you need us.
From all of us here at 4Paws, we hope you and Dora have a lovely week!
Kind Regards
Dominika
Senior Pet Claims Handler
Dishonest and Misleading Renewal Practices
I am extremely disappointed with 4Paws and their misleading practices. A few weeks ago, I received a renewal notice quoting my annual premium as £426, with the email stating, "For information, last year’s equivalent premium was £403." This suggested an increase of only 6%, which seemed modest and reasonable. On this basis, I decided to remain with them and did not feel it necessary to obtain alternative quotes, trusting that the information provided was accurate and transparent.
However, today I received the renewal paperwork in the post, and the quoted £426 translates to £36 per month. This is significantly higher than the approximately £27 per month I have been paying, equating to an actual increase of 33%! This means the renewal letter completely misled me into believing the increase was far smaller than it truly was.
I strongly object to companies that rely on deceptive communication to retain customers. It is unacceptable for 4Paws to misrepresent information in this way, especially given the already rising costs of pet insurance.
I have since moved to a different provider and would advise others to review their renewal offers carefully before deciding to stay with 4Paws. This is a company that clearly cannot be trusted.
24 January 2025
Unprompted review
Reply from 4Paws Pet Insurance
Good afternoon,
Thank you so much for leaving us this review, we really appreciate it.
I am sorry to hear you are unhappy with the renewal invitation we had issued to you. We pride ourselves on our honesty and strive to make things as clear as possible for our customers, especially when it comes to their premiums quoted at renewal.
The renewal invitation will show the premium quoted for the upcoming year but also last year’s premium before any discounts and our administration fee have been applied. If you have received a first year or multi pet discount, this is shown as part of the premium breakdown which is included in your policy documents.
We are continually looking into ways which we can improve our communications and really do value your feedback. We would be more than happy to discuss this in more detail so please don’t hesitate to contact us on 01423 535040 or email our renewals team at petrenewals@jigsawinsurance.com should you require any further assistance with this matter.
Kind Regards
Andy
Pet Sales and Renewals Team Supervisor
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