About us - 4paws
4Paws is a specialist pet insurance provider, offering highly competitive and comprehensive cover for cats, dogs, rabbits and horses.
Pet insurance, cat insurance, dog insurance, rabbit insurance, 4paws, animal insurance
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About us

Why 4Paws is right for you and your pet

As pet owners ourselves, we understand how important your four legged friends are to you and how you only want the best for them. Which is why, we’ve created a range of pet insurance products that gives your pet the care they deserve without the worry of large unexpected veterinary bills.

With different levels of cover available to suit different budgets, all our policies are underwritten by the insurance giants Aviva and Covéa.

•  Cover from 6 weeks old
•  Vet fees can be paid directly
•  UK based contact centre
•  24/7 emergency claims line
•  Pay monthly at no extra cost
•  Dedicated Pet Specialists
•  We can pre-authorise claims too!

Why 4Paws is the one for you

A Call Centre That Cares

When we say we’re here for you we mean it. Our call centre is open all day with expertly trained staff ready to assist you with everything from applications and claims to questions and queries – just give us a call on our 4Paws hotline 01423 535040.

Fast, efficient claims handling

Rest assured, if there’s a problem, our claims team are there for you, day or night, 7 days a week. They’ll deal with your claim quickly and efficiently aiming to settle it within 5 working days.

A little bit about our underwriters Aviva and Covéa 

The UK’s largest insurer, Aviva provides around 31 million customers worldwide with insurance, savings and investment products. We’re proud to be the only pet insurance provider underwritten by them.

With over 50 years’ trading experience, Covéa Insurance is a leading UK insurer employing around 1,500 talented people across 10 offices throughout the UK and serving over 1.5 million policy holders. They are perfectly placed with the knowledge and expertise to look after a diverse range of insurance needs.

Do I need 4Paws pet Insurance?

As a pet owner you love your furry friend. But it’s important to be aware of any long-term illnesses and conditions your breed may be prone to, especially if it’s a pedigree.

Problems like arthritis and diabetes typically need treating by a vet over a long period of time, often for life. With the ongoing cost of veterinary treatment potentially running into hundreds or even thousands of pounds every year, a lifetime policy can give you piece of mind that your pet will be always be covered.

If you’re unsure if pet insurance is worth it, consider how you would deal with an unexpected bill. Balance this with the cost of your premiums and the likelihood of having to make a claim.

*Over 76% of small vet practices have increased their fees in the last 12 months.

*Over half of all pet owners have taken their pets to the vets at least once in the last 2 years. 

*Of all the claims made in 2015, the average paid out by pet insurance was £721, but claims can run into the thousands if your pet develops an on-going condition.

The table below shows costs for pet insurance claims – Figures are based on NCI Pet Insurance claims Sept 2015 – Dec 2016:


ConditionMaximum Paid OutAverage Paid Out
Fractures£4970£745
Spinal£5591£637
Cough£6825£832
Joints£2000£782
Bite Injury (dog bite)£6537£528
Lethargy£1531£257
Foreign body£6981£1087
Cruciate ligament£5493£907

(*Mintel Aug 2016 report)