Everypaw Pet Insurance Review: Is It Any Good?

Everypaw Pet Insurance Review: Is It Any Good?

Some affordable pet insurance policies for dogs and cats, many of which are rated 5 stars by Defaqto.

Good for

  • Lower Lifetime premiums
  • Euthanasia cover
  • EU Travel cover
  • Petcall helpline
  • Dental injury and illness covered if to relieve suffering

Bad for

  • Pre-existing conditions not covered
  • No new policies for older pets

Editor's Rating


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Wondering if Everypaw pet insurance is a good choice? Read our review to find out if Everypaw would suit your needs plus learn how existing policyholders review their customer service.

If you're ready to compare an Everypaw pet insurance quote against the market, get quotes from a dozen brands including Everypaw, Animal Friends, Scratch & Patch, VetsMediCover and more in under two minutes—simply click the blue "Get Quotes button below.

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In This Review

Everypaw Pet Insurance Overall Review

Everypaw pet insurance offers a number of policies with a solid set of features—and often at relatively cheap prices—but be aware that customer ratings highlight some issues with claims being denied as pre-existing conditions (even where the vet says two conditions are unrelated). This is certainly something to keep in mind and be wary of if you are insuring a pet who has previously had any health issues.

Everypaw prices have risen noticeably over the past few years, but they still offer relatively cheaper quotes in many cases so are worth checking, however, if you're looking for cheap pet insurance. They cover dental injury and illness—so long as your pet gets annual dental checks, recommended work carried out within 6 months and the work is needed to relieve suffering.

They used to offer Time Limited, Max Benefit and Lifetime policies, and all three types are still listed in their policy wording, but we looked around their web site and got a sample quote and right now it seems that they are only selling Lifetime cover. We are keeping some information in this review about their time limited and max benefit cover, in case they resume. But the features listed in the table below are only for the different tiers of their Lifetime pet insurance for dogs and cats.

Everypaw Pet Insurance Features for Lifetime Cover
Vet Fees per year (including Overseas Veterinary Treatment)£1,000, £2,000 or £3,000£4,000£6,000, £8,000 or £10,000
Dental Treatment (as part of vet fee cover)IncludedIncludedIncluded
Complementary TreatmentUp to £750Up to £1,000Up to £1,500
PhysiotherapyUp to £750Up to £1,000Up to £1,500
Finding Your PetUp to £750Up to £1,000Up to £1,500
Loss by Theft or StrayingUp to £750Up to £1,500Up to £2,000
Hospitalisation Boarding FeesUp to £750Up to £1,500Up to £2,000
Death from IllnessUp to £750Up to £1,500Up to £2,000
Death from AccidentUp to £750Up to £1,500Up to £2,000
Third Party Liability (dogs only)£2,000,000£2,000,000£2,000,000
Petcall (unlimited 24/7 access to a vet team)IncludedIncludedIncluded
Pet Portal (manage your pet policy online)IncludedIncludedIncluded
Excess per condition, per yearFrom £60£110£110

In terms of end-of-life cover, Everypaw will cover euthanasia, but not cremation or burial of your pet unless they die or were put to sleep by a vet as a result of an accident or illness (up to £200).

Everypaw Pet Insurance Customer Service Reviews and Ratings

Everypaw Ratings & Customer Reviews
Trustpilot customer service rating4.0 out of 5 stars
Feefo4.5 out of 5 stars

Is Everypaw Pet Insurance any good? Everypaw pet insurance products with higher vet fee limits rate well for features, and it used to be that their customer reviews were a mixed bag. But they're improved noticeably in the past year. We've read through the reviews to see what real customers have to say about their Everypaw pet insurance. Here's what we found:

Everypaw Pet Insurance Trustpilot

Everypaw has earned 4.2 stars out of 5 at Trustpilot (a rating that has steadily improved over the past few years), with < 2 in 10 customers giving Everypaw just 1 star indicating a bad experience but 7 in 10 rating the experience as 'excellent'. Here is a sample of the more common complaints, which included claims being denied due to pre-existing conditions—as well as some praise. Of particular note are the positive comments related to the claims process, because that's what really matters in the end:

"Even though my dog's insured, it's not always easy to find a chunk of cash for an unexpected vet bill. Happily, Everypaw had the money back in my account in eight days."

"Recently made a claim for our dog following treatment by two different vets. Making the claim was simple and Everypaw agreed the claim quickly and paid out promptly.

We had only recently switched to Everypaw as they had received good reviews and were far cheaper than the renewal premium quoted by John Lewis which was a 30% hike despite us not having made a previous claim for our pooch."

"Milo got attacked by another dog. I used my insurance portal to contact the emergency nurse and they advised me on what to do. I went to the vet filled out a claims form and his vet fees got approved within 2 weeks. Quick process and they were quite efficient."

"A no fuss payment made to my vet…. I highly recommend Everypaw insurance for your pet."

"Reasonable price with flexible options. Easy joining process along with clear and simple account set-up information."

"My puppy Molly got run over with a car, she is fine now, I put my claim into everypaw via online claims, it was dealt with within a couple of weeks and paid straight into my bank account stress free and great communication."

"They won't pay out if your dog has had different illness in the same area and the new illness is not even related."

"I got a great price to insure my cat on EveryPaw but was turned down for insurance. The reason? I could not provide vetinary (sic) records for my healthy cat before I got her from a reputable animal rescue centre 6 years ago and despite full records since with the same vet."

"Wouldn’t pay out do (sic) to a pre-existing ‘condition’ which the vet confirmed was completely unrelated. My cat had a couple of days of dihorrea (sic) when I first adopted her so I took her in for a checkup. They said it was probably just the change of environment and diet. However, they gave me some pro-biotics anyway. A year later she had a hair ball blockage that required significant treatment ~£900. After putting in a claim, they retrospectively added an exemption on her insurance for ALL gastro related issues and refused to pay out."

Important Everypaw Pet Insurance Phone Numbers

Pet insurance customers can reach Everypaw customer service 5 days a week, on Monday to Friday from 8:30am to 6pm. They're closed on weekends. To make a claim you can either call one of the numbers below or submit your claim online via the Pet Portal.

Everypaw Pet Insurance Contact Numbers
Get a quote0800 038 0838
Customer Services and Claims (For policies starting PETEP)0344 543 1050
Customer Services and Claims (For policies starting PETEV)0344 543 1009
Complaints0344 543 1050
24 Hour Vet Health Helpline
Petcall0330 123 1923

Policy Documents

To read about the real ins and out of an Everypaw pet insurance policy, including full details on what's covered and what's not, read through the policy documents here.


Everypaw pet insurance is underwritten by Pinnacle Insurance plc.

Everypaw starts working on submitted claims within 3 working days and in most cases make the payment within around 5 working days. They state on their website that 98% of claims are paid.

You need to submit your claim and supporting invoices showing costs and fees you've incurred within 12 months of the treatment taking place. If you don't you probably won't get reimbursed.

Other Pet Insurance Reviews

If you'd like to compare Everypaw pet insurance to other options in the market, see some of our other pet insurance reviews below:

Erin Yurday

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.