Based on looking at the website, Everypaw.com appears to be a legitimate UK-based pet insurance provider offering policies for dogs, cats, and rabbits.

They emphasize “Lifetime Pet Insurance” with various levels of vet fee coverage, unlimited 24/7 access to vet nurses and vets via their “Petcall” service, and an online “Pet Portal” for managing policies and claims.

Their marketing highlights their 5-star Defaqto rating for certain Lifetime cover levels, achieved for eight consecutive years, which suggests a consistent quality of service in the eyes of an independent financial reviewer.

This review will dive deep into what Everypaw.com offers, the nuances of their policies, the benefits and potential limitations, and how they stack up in the competitive UK pet insurance market.

We’ll break down the key features, the claims process, customer support options, and critical exclusions, giving you a comprehensive understanding to help you decide if Everypaw is the right fit for your furry, or hopping, family member.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Table of Contents

Understanding Everypaw’s Lifetime Pet Insurance

Everypaw.com focuses heavily on “Lifetime Pet Insurance,” which is a significant selling point for many pet owners.

This type of policy is designed to cover ongoing conditions throughout your pet’s life, as long as the policy remains active and premiums are paid.

Unlike annual or per-condition policies that might cap payouts per incident or year without resetting, Lifetime policies reset their vet fee limit annually, offering continuous coverage for chronic or recurring illnesses.

This can be a must for pets with long-term health issues, such as diabetes, arthritis, or certain allergies.

What “Lifetime” Actually Means for Your Pet

When Everypaw talks about “Lifetime Pet Insurance,” they’re referring to policies that offer a vet fee limit that resets each year when you renew. This is crucial because it means that if your pet develops a chronic condition, like diabetes, that requires ongoing treatment, the vet fee limit for that condition refreshes annually, allowing you to continue claiming for it up to the annual limit. This contrasts sharply with “Per Condition” or “Maximum Benefit” policies, which set a fixed maximum payout for each illness or injury, after which that condition is no longer covered. For instance, if your pet needs £500 worth of medication for arthritis every year, a Lifetime policy with a £4,000 annual limit would cover it year after year, whereas a per-condition policy with a £500 limit for arthritis would only cover it once. This long-term security is often why Lifetime policies are considered the gold standard in pet insurance.

Everypaw’s Cover Levels and Vet Fee Limits

Everypaw offers a range of Lifetime cover levels for cats, dogs, and rabbits, with varying vet fee limits per year. The website explicitly mentions options like £1,000, £2,000, £3,000, £4,000, £6,000, £8,000, and £10,000. These figures represent the maximum amount Everypaw will pay towards vet fees within a single policy year. Choosing the right limit depends on your pet’s breed, age, and your personal risk tolerance. For example, a larger breed dog might be more prone to conditions requiring expensive orthopaedic surgery, making a higher limit like £8,000 or £10,000 a more prudent choice. The average vet bill in the UK can be substantial. according to the Association of British Insurers ABI, the average pet insurance claim paid in the UK in 2022 was £848, and serious conditions can easily run into thousands.

Excess Structures and Their Impact

Everypaw details its excess structure, which is the amount you pay towards a claim before the insurer covers the rest. They state that the excess is “per condition, per year,” with starting points at £60 for lower cover levels and £110 for higher ones. This means that if your pet develops two separate conditions within the same policy year, you’d pay the excess for each condition. For example, if your dog gets ear mites and then later breaks a paw, you’d pay the excess for the ear mites treatment and then another excess for the broken paw treatment. It’s also important to note that as your pet ages, the excess payable may change, becoming “your set excess plus a percentage of your claim amount.” This percentage-based excess for older pets is a common practice among insurers to manage the increased risk associated with age-related illnesses, and it’s a critical detail to be aware of when considering long-term costs.

Key Benefits and Features Beyond Vet Fees

While vet fee coverage is the cornerstone of any pet insurance policy, Everypaw sweetens the deal with several additional benefits and features that enhance the overall value proposition.

These extras can provide significant peace of mind and practical support during your pet’s life.

Petcall: 24/7 Vet and Vet Nurse Access

One of Everypaw’s standout features is “Petcall,” which provides unlimited 24/7 access to vet nurses and vets via phone, live chat, and even video call. This is a genuinely valuable service, especially for new pet owners or those with anxious pets who might benefit from immediate professional advice without an in-person vet visit. Imagine it: your cat starts acting strangely at 2 AM, and instead of panicking or rushing to an emergency vet which can be costly, you can jump on a live chat or call a vet nurse for initial guidance. This can help you determine if an issue is minor and can wait until morning, or if it requires immediate emergency attention. This proactive support could save you time, stress, and potentially unnecessary emergency vet bills. Housebuyers4u.co.uk Reviews

The Pet Portal: Digital Policy Management

Everypaw offers a “Pet Portal,” an online platform designed to streamline policy management and claims.

Manage your policy online: Update details, review coverage.
Track vet fee benefits: Keep an eye on how much of your annual vet fee limit you’ve used.
Make a vet fee claim online: This is a crucial feature for efficiency, as online claims are generally faster to process than manual form submissions.
Unlimited access to a vet team: This reiterates the Petcall service integrated within the portal.

The ability to manage claims and track benefits digitally can significantly reduce the administrative burden often associated with insurance.

The website highlights that using the portal is the “fastest way to start a claim and track its progress,” suggesting a streamlined process.

Additional Included Benefits: Beyond the Basics

Everypaw’s policies include a range of other benefits that extend beyond just covering standard vet fees for illness and injury.

These are important considerations for comprehensive coverage:

Dental Treatment: Included as part of your vet fee cover, subject to regular check-ups and following vet advice within 6 months. This is a significant benefit, as dental issues are common in pets and can be expensive to treat. Many insurers exclude dental cover, or offer it as an optional add-on.
Complementary Treatment & Physiotherapy: Everypaw includes coverage for complementary therapies and physiotherapy, up to specified limits £750, £1,000, or £1,500 depending on the cover level. This is vital for pets recovering from injuries or managing chronic conditions like arthritis, where treatments like hydrotherapy or acupuncture can greatly improve quality of life.
Finding Your Pet: Coverage for costs associated with finding a lost pet, up to £750, £1,500, or £2,000. This can include advertising, reward money, or even specialist search services.
Hospitalisation Boarding Fees: Up to £750, £1,500, or £2,000 for boarding fees if you are hospitalised and unable to care for your pet. This is a practical benefit that many pet owners might not consider until they need it.
Loss by Theft or Straying Cats & Dogs: Up to £750, £1,500, or £2,000 to repay the amount you paid when you first took ownership if your pet is stolen or goes missing for 30 days or more.
Death from Illness/Accident Cats & Dogs: Up to £750, £1,500, or £2,000 if your pet passes away due to illness or accident.
Cremation or Burial: A fixed £200 contribution towards cremation or burial costs.
Third Party Liability Dogs only: Up to £2,000,000 in liability cover for dogs, which is essential if your dog causes injury to another person or damage to property.

The inclusion of these diverse benefits indicates a comprehensive approach to pet care, addressing not just medical needs but also unforeseen circumstances and even end-of-life considerations.

The All-Important Exclusions: What Everypaw Doesn’t Cover

Understanding exclusions is just as crucial as knowing what is covered.

No pet insurance policy covers everything, and Everypaw is transparent about its limitations.

Being aware of these can prevent unpleasant surprises down the line and help you set realistic expectations for your coverage.

Pre-existing Conditions: The Universal Hurdle

Like almost all pet insurance providers in the UK, Everypaw explicitly states they do not cover pre-existing conditions. This is a standard exclusion across the industry. A “pre-existing condition” is defined broadly as any condition, symptom, illness, or injury your pet is suffering or has suffered from before you take out a policy. This includes conditions where your pet didn’t receive formal treatment but were discussed with a vet, or even if you were told it was nothing to worry about. For example, if your dog had a limp two years ago that cleared up on its own, but then starts limping again after you take out the policy, it might be considered a pre-existing condition and therefore excluded. This is arguably the most significant exclusion for pet owners to understand. Skylightframe.com Reviews

Waiting Periods: Not Instant Coverage

Everypaw, similar to other insurers, imposes waiting periods before full coverage kicks in.

This is to prevent individuals from taking out a policy only when their pet is already sick or injured.

Accidents or poisoning: Not covered for the first 3 days of your policy.
Illnesses: Not covered for the first 14 days of your policy.
This means if your pet falls ill on day 10 of your policy, you won’t be covered for that illness. However, Everypaw offers a waiver for these waiting periods if you are switching from another provider and your previous insurance runs up to your Everypaw policy start date. This is a thoughtful provision that makes switching insurers less daunting.

Routine Care and Preventative Treatments

As is typical for pet insurance, Everypaw’s policies do not cover routine or preventative treatments. This includes:

Neutering: The cost of neutering is not covered.
Vaccines: The cost of vaccines and boosters is not included. Furthermore, if your pet develops an illness that could have been prevented by a recommended vaccine, the treatment for that illness will not be covered. This underscores the importance of staying up-to-date with your pet’s vaccinations.
Routine dental check-ups: While dental treatment for accidental injury or to relieve suffering is covered, the cost of routine check-ups themselves is not.
Routine trimming/burring/rasping for rabbits: Specifically for rabbit policies, routine preventative dental care is excluded.

These exclusions highlight that pet insurance is designed for unexpected illness and injury, not for the predictable costs of pet ownership.

Breeding, Pregnancy, and Birthing

Treatment related to breeding, pregnancy, or birthing is also excluded.

This is a common exclusion across the industry as these are generally considered elective or foreseeable events.

Baby Teeth Treatment

Everypaw excludes treatment on baby teeth if your pet is over 16 weeks old when your policy starts.

This is quite specific and implies that if you adopt an older puppy or a young adult dog, certain baby tooth issues might not be covered.

The Quote Process and Policy Customization

Getting a quote from Everypaw.com appears straightforward, designed to be quick and user-friendly.

Understanding how the quote process works and the factors influencing your premium is key to finding a policy that fits your budget and your pet’s needs. Hawkersco.com Reviews

Getting a Quote: A 3-Minute Process

Everypaw claims their online quote form takes “just 3 minutes to fill out.” This efficiency is a definite plus for busy pet owners. The process involves a few key steps:

Select pet type: Dog, cat, or rabbit.
Enter pet details: Age, breed, and sex. These factors significantly influence risk and, consequently, your premium. For instance, certain breeds are predisposed to specific health conditions e.g., hip dysplasia in large dogs, leading to higher premiums. Older pets are also generally more expensive to insure due to increased likelihood of age-related illnesses.
Enter personal details: Email and home addresses.
Select vet fees limit: This is where you choose your desired level of Lifetime cover £1k, £2k, £3k, etc.. Your chosen limit will directly impact your premium.
Receive price: Everypaw provides both an annual cost and monthly instalment options.

This clear, step-by-step process allows for quick comparison and informed decision-making.

Multi-Pet Discount: Saving on Multiple Animals

For households with more than one furry or hopping friend, Everypaw offers a multi-pet discount on every additional pet insured under the same policy. This can lead to significant savings for owners of multiple animals, making it a compelling option for those with a “dog, cat and rabbit smallholding” as they humorously put it. The process for adding another pet is outlined as simple, requiring your existing policy number and using the same email address for the new pet’s quote. The discount is then automatically applied, consolidating all your pets under one managed policy in the Pet Portal.

Factors Influencing Your Premium

Beyond the vet fee limit and multi-pet discount, several other factors will influence the cost of your Everypaw policy:

Species and Breed: As mentioned, different animals and breeds have varying predispositions to illnesses and injuries, affecting their risk profile.
Age of Pet: Premiums generally increase as pets get older due to higher health risks. Everypaw explicitly states, “It’s natural for illness and ailments to affect them as they age, and this usually means more claims. The price can go up significantly too, so think about cost and affordability now and in the future.”
Location: Vet costs can vary geographically within the UK, which can impact insurance premiums.
Excess Choice: While the website doesn’t explicitly state customisable excess options beyond the initial £60/£110, some insurers allow you to choose a higher voluntary excess in exchange for a lower premium. It’s worth checking if Everypaw offers this flexibility.
Payment Method: You can pay the premium for the year upfront or in monthly instalments. Everypaw states they do not charge a finance fee for monthly payments, which is a definite advantage, as some providers do levy such fees.

The Claims Process: When You Need It Most

The true test of any insurance policy comes when you need to make a claim.

Everypaw aims for a “hassle-free” claims process, primarily leveraging their online Pet Portal.

Online Claims Through the Pet Portal

Everypaw strongly encourages making claims through their Pet Portal, stating it’s the “fastest way to start a claim and track its progress.” The portal allows you to:

Submit vet fee claims online: This streamlines the submission process.
Track claim progress: Providing transparency and reducing the need for phone calls to check on your claim status.
Access other claim forms: For non-vet fee claims, relevant forms are available in the portal.

For those not registered with the portal, claim forms can be downloaded and submitted manually, though Everypaw notes this “can take longer.” For Third Party Liability claims, specific guidance within the policy documents should be followed.

What to Expect: Waiting Times and Documentation

While the website doesn’t specify average claim processing times, an online portal typically implies faster turnaround.

However, generally, pet insurance claims can take anywhere from a few days to a few weeks to process, depending on complexity and required documentation. Common requirements often include: Mammabump.com Reviews

Veterinary history: Your vet will usually need to provide your pet’s full medical history.
Itemised invoices: Detailed invoices from the vet for the treatment received.
Claim form: Fully completed by you and potentially your vet.

It’s important to keep good records of your pet’s health and any veterinary visits.

Everypaw’s emphasis on their Pet Portal suggests they are leveraging technology to make the process as smooth as possible for their customers.

Direct Vet Payments: A Potential Benefit

While not explicitly detailed on the homepage, many pet insurance providers offer the option of paying the vet directly, meaning you only pay the excess, and the insurer handles the rest of the bill.

It’s worth clarifying with Everypaw if they offer this service, as it can significantly ease the financial burden at the time of treatment, especially for large claims.

Some vets prefer direct payment, while others still require you to pay upfront and then claim back.

Everypaw’s Standing and Reputation

Everypaw highlights its 5-star Defaqto rating for two levels of its Lifetime Pet Insurance cover, awarded for 8 years in a row. Defaqto is an independent financial product rating agency, and a 5-star rating indicates that a product “provides one of the highest quality offerings in the market.” This consistent high rating is a strong indicator of a reputable and comprehensive product.

Defaqto Ratings: What They Mean

Defaqto ratings are based on the comprehensiveness of features and benefits offered by a financial product.

A 5-star rating for Everypaw’s specific Lifetime cover levels suggests that these policies are rich in features and provide extensive coverage, aligning with the “gold standard” expectations for pet insurance.

This provides a credible, third-party endorsement of their product quality.

Customer Feedback and Trustpilot

The Everypaw homepage prominently displays the Trustpilot logo, indicating they likely collect customer reviews through this platform. Willowbrook.co.uk Reviews

While the actual Trustpilot score isn’t explicitly stated on the homepage text provided, Trustpilot is a widely used platform for customer feedback.

A high Trustpilot score, coupled with the Defaqto rating, would paint a very positive picture of Everypaw’s customer satisfaction and service delivery.

It’s always advisable for prospective customers to check recent Trustpilot reviews to get a real-time sense of current customer experiences regarding claims handling, customer service, and policy changes.

Association of British Insurers ABI

Everypaw mentions the Association of British Insurers ABI in relation to average pet insurance costs, indicating their awareness of industry standards and data.

Being part of or aligning with ABI guidelines often suggests adherence to a certain level of industry best practices and consumer protection.

The ABI reported the average cost of pet insurance in the UK in 2022 as £327, which can serve as a benchmark when comparing Everypaw’s quotes.

Pet Health and Wellness Resources

Beyond insurance, Everypaw.com offers resources aimed at supporting pet owners with general health and wellness information.

This demonstrates a broader commitment to pet well-being, not just financial protection.

“All Things Pet” Blog

Everypaw maintains an “All Things Pet” blog, providing informative content on various pet-related topics.

The examples given, such as “How to Toilet Train a Puppy,” “Should I Get Another Pet?,” and “How to Help Cat Separation Anxiety,” suggest a focus on practical advice for common pet ownership challenges. Johndoe.co.uk Reviews

This blog serves as a valuable resource for pet owners looking for guidance on training, behaviour, and general care, contributing to responsible pet ownership.

A well-maintained blog can also position Everypaw as a knowledgeable and supportive entity in the pet community.

Petcall as a Wellness Tool

While primarily an emergency and advice line, the 24/7 Petcall service can also be seen as a wellness tool.

Pet owners can use it for advice on nutrition, behaviour, and general well-being, not just urgent medical issues.

This proactive approach to pet health can help prevent minor issues from escalating into major problems, potentially reducing the need for costly claims in the long run.

The inclusion of trained bereavement counsellors within the Petcall service also highlights their commitment to supporting pet owners through difficult times, extending their care beyond the pet’s physical health to the emotional well-being of the owner.

Cost of Living and Financial Flexibility

Everypaw acknowledges the current economic climate and the “Cost of Living” crisis, offering potential support to customers facing financial difficulties.

This shows a degree of empathy and flexibility that can be reassuring in uncertain times.

Options for Financial Hardship

Everypaw explicitly states that if customers are facing “money worries,” they should get in touch.

They mention being able to offer “some options to help, which could include reducing your cover or increasing your excess.” This proactive approach to managing financial strain is commendable. Abrocenterprisesinc.com Reviews

Reducing cover: This could mean moving to a lower vet fee limit to reduce the monthly premium. While it means less coverage, it can be a necessary step to maintain some form of insurance rather than cancelling it entirely.
Increasing excess: Opting for a higher excess the amount you pay first on a claim will typically lower your premium. This is a common way to reduce costs, though it means a higher out-of-pocket expense if you do need to claim.

This flexibility demonstrates Everypaw’s understanding that pet insurance, while crucial, can be a significant monthly expense, and they are willing to work with customers to find viable solutions during challenging times.

Final Thoughts on Everypaw.com as a Pet Insurance Provider

Based on the website’s content, Everypaw.com presents itself as a strong contender in the UK pet insurance market, particularly for those seeking comprehensive “Lifetime Pet Insurance.” Their consistent 5-star Defaqto rating for certain cover levels speaks to the quality and breadth of their offerings.

The unlimited 24/7 Petcall service is a significant value-add, providing immediate access to veterinary advice and support.

The online Pet Portal streamlines policy management and claims, aligning with modern consumer expectations for digital convenience.

However, like all insurance, understanding the exclusions, especially concerning pre-existing conditions and waiting periods, is paramount.

The increasing excess for older pets is also a factor to consider for long-term financial planning.

Everypaw’s acknowledgment of cost-of-living concerns and their willingness to discuss options with customers facing financial difficulties adds a layer of customer-centricity.

For pet owners in the UK looking for robust, long-term coverage with valuable additional benefits, Everypaw appears to be a reliable option worth obtaining a personalized quote from.

It’s always smart to compare their offerings against other providers to ensure the best fit for your specific pet and budget, but Everypaw certainly puts a solid foot forward with their transparent and feature-rich proposition.

Frequently Asked Questions 20 Real Questions + Full Answers

What types of pets does Everypaw.com insure?

Everypaw.com provides pet insurance for dogs, cats, and rabbits in the UK. Tactree.co.uk Reviews

What is “Lifetime Pet Insurance” with Everypaw?

Lifetime Pet Insurance with Everypaw means that your pet is covered up to a set vet fee limit, and this limit resets every year when you renew your policy.

This is beneficial for ongoing or chronic conditions that require long-term treatment.

How much vet fee cover can I get with Everypaw?

Everypaw offers various vet fee limits per year, including £1,000, £2,000, £3,000, £4,000, £6,000, £8,000, and £10,000, depending on the chosen cover level for cats, dogs, and rabbits.

What is the Petcall service offered by Everypaw?

Petcall is a service included with Everypaw policies that provides unlimited 24/7 access to vet nurses and vets via phone, live chat, and video call for advice on your pet’s care, well-being, behaviour, and nutrition.

Does Everypaw cover pre-existing conditions?

No, Everypaw, like most pet insurance providers, does not cover pre-existing conditions.

These are any conditions, symptoms, illnesses, or injuries your pet has suffered from before the policy starts.

Is there a waiting period before Everypaw’s coverage starts?

Yes, there are waiting periods: 3 days for accidental injury or poisoning, and 14 days for illnesses.

However, these can be waived if you’re switching from another insurer and your previous policy runs up to your Everypaw start date.

Does Everypaw offer multi-pet discounts?

Yes, Everypaw provides a discount on every additional pet you insure under the same policy, making it more affordable for households with multiple animals.

What is the Everypaw Pet Portal and what can I do with it?

The Everypaw Pet Portal is an online platform where you can manage your policy, track your vet fee benefits, make vet fee claims online, and access the unlimited 24/7 vet team. Dowsingandreynolds.com Reviews

It aims to make policy administration paperless and hassle-free.

Does Everypaw pet insurance cover dental treatment?

Yes, Everypaw’s policies can cover treatment for a dental condition, accidental injury, and to relieve suffering, up to your vet fee limit, provided there’s a history of regular check-ups and your vet’s advice was followed within 6 months. Routine check-ups are not covered.

Are routine vaccinations and neutering covered by Everypaw?

No, the cost of routine vaccinations, boosters, and neutering procedures are not covered by Everypaw pet insurance.

Does Everypaw cover complementary therapies like physiotherapy?

Yes, Everypaw includes coverage for complementary treatments and physiotherapy as part of your vet fee cover, up to specific limits depending on your chosen cover level e.g., up to £750, £1,000, or £1,500.

What happens if my pet goes missing or is stolen?

Everypaw’s policies include cover for “Finding Your Pet” and “Loss by Theft or Straying” for cats & dogs, contributing towards costs like advertising, rewards, or repaying the pet’s original value if they are missing for 30 days or more.

How does the excess work with Everypaw’s policies?

Everypaw’s excess is applied “per condition, per year.” This means you pay the excess amount starting from £60 or £110 depending on cover for each new condition that arises within a policy year.

For older pets, a percentage of the claim amount may also be added to the set excess.

Does Everypaw offer Third Party Liability cover for dogs?

Yes, Everypaw’s policies for dogs include Third Party Liability cover of up to £2,000,000, which protects you if your dog causes injury to another person or damage to property.

How quickly can I get a quote from Everypaw?

Everypaw states their online pet insurance quote form takes just 3 minutes to fill out, providing you with an instant price.

Can I pay for my Everypaw pet insurance monthly?

Yes, you can choose to pay your premium upfront for the year or spread it out over monthly instalments. Wegetfunded.com Reviews

Everypaw explicitly states they do not charge a finance fee for monthly payments.

Does Everypaw offer support for customers facing financial difficulties?

Yes, Everypaw acknowledges the cost of living concerns and encourages customers facing money worries to get in touch.

They may be able to offer options such as reducing your cover or increasing your excess to help manage premiums.

What are the main exclusions to be aware of with Everypaw policies?

Key exclusions include pre-existing conditions, waiting periods for new illnesses/accidents, routine care vaccines, neutering, routine dental check-ups, breeding/pregnancy/birthing related treatments, and baby teeth treatment if the pet is over 16 weeks at policy start.

Is Everypaw.com a reputable pet insurance provider?

Everypaw.com has consistently received a 5-star rating from Defaqto, an independent financial business, for two levels of its Lifetime Pet Insurance cover for eight consecutive years, indicating a high-quality product offering.

Does Everypaw provide resources for general pet health and wellness?

Yes, Everypaw maintains an “All Things Pet” blog with articles on various pet-related topics like training, behaviour, and general care.

The Petcall service also offers advice on nutrition and well-being.

Everypaw.com Reviews