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 Covéa Insurance Ltd.

What affects the price of my pet’s insurance?


  • Your pet’s age – as they get older, the cost of insuring them rises. 
  • Their breed is taken into account as some are prone to certain conditions.
  • The area you and your pet live, as the price of some treatments and medication change due to this.
  • Developments in medical treatments as they can alter the cost of vet visits.
  • The number of claims made against your individual policy and any trends in overall claims behaviour can also make a difference.


Want to know further details on how your premium is calculated? Read our full guide here.

You can also view the table below which shows the costs of some common claims based on 4Paws Pet Insurance claims settled between Sept 2021 – December 2021:

Some facts and figures from Mintel and the Association of British Insurers

The average claim value across all pet policies in 2020 was £817

62% of dog and cat owners were likely to take out or renew pet insurance in 2021


Examples of how much it can cost to treat an ill or injured pet include:

£7,000 to treat a French Bulldog with a fractured leg.

£3,770 for the treatment of a fractured femur leg bone of a cat following an accident

£3,800 to treat a dog’s dislocated kneecap


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. They’ll deal with your claim quickly and efficiently aiming to settle it within 5 working days.

A little bit about our underwriter Covéa Insurance Ltd

With over 60 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 2 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
Bite Injury (dog bite)£6537£528
Foreign body£6981£1087
Cruciate ligament£5493£907

(*Mintel Aug 2016 report)