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Link to get an Everypaw Pet Insurance quote

Pet insurance can provide peace of mind for pet owners, knowing that they are financially prepared for unexpected healthcare expenses. It&#39;s important to understand what exactly your <a href="https://www.everypaw.com/" style="font-size:20px" title="Link to Everypaw's Pet Insurance homepage">pet insurance policy</a> covers and what it does not cover.

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Link to get a quote for Everypaw's Pet Insurance

Loving your dog is easy, but we know keeping our furry friends happy and healthy can be a tougher task than you imagine. Getting pet insurance for your dog gives you that extra peace of mind, and we want you to know Everypaw&#39;s Dog Insurance cover is up to scratch&hellip; and the odd sniff.

*based on Pinnacle Insurance Plc claims data between Sept 2020 and Sept 2021

In this article, we explore the different aspects of pet insurance coverage to help you make the right decision. Pet insurance can provide peace of mind for pet owners, knowing that they are financially prepared for unexpected healthcare expenses.

However, it&#39;s important to understand what exactly your <a href="https://www.everypaw.com/" title="Link to Everypaw's Pet Insurance homepage">pet insurance policy</a> covers and what it does not cover. In this article, we explore the different aspects of pet insurance coverage to help you make the right decision.

Pet insurance typically covers vet visits for unexpected accidents or illnesses. This includes consultations, examinations, and any necessary diagnostic tests or treatments. When it comes to vet visits, pet insurance can provide peace of mind for pet owners. Knowing that the cost of non-routine veterinary care can be covered to help alleviate financial stress and allow pet owners to focus on their pet&#39;s well-being.

This can include diagnostic tests, surgeries, medications, hospital stays, and specialist consultations. The extent of coverage may vary depending on the specific policy and provider you choose. More comprehensive cover like&nbsp;<a href="https://www.everypaw.com/lifetime-pet-insurance" title="Link to Everypaw's Lifetime Pet Insurance page">Lifetime Pet Insurance</a>&nbsp;can help protect against new illnesses or injuries with a yearly set vet fee that resets annually.

<a href="https://www.everypaw.com/multi-pet-insurance" title="Link to Everypaw's Multi-pet Insurance page">Insure multiple pets</a>&nbsp;for a multi-pet discount

Unlimited 24/7 access to UK vet nurses and vets with&nbsp;<a href="https://www.everypaw.com/petcall" title="Link to Everypaw's Petcall vet page">Petcall</a>

Manage your policy online in the&nbsp;<a href="https://www.everypaw.com/pet-portal-info" title="Link to Everypaw's Pet Portal Information page">Pet Portal</a>

Graphic of a sad cat and dog with leg injuries 

An example of what pet insurance can cover

If your furry friend gets into a scuffle with another animal at the park and ends up with a broken bone, pet insurance can help cover the costs of X-rays, surgery, and follow-up care. This can help provide you with peace of mind in what can be a stressful time for you and your faithful pet.

Illnesses can also be covered by pet insurance. Imagine your beloved cat suddenly starts showing signs of lethargy and loss of appetite. Concerned, you take them to the vet, who diagnoses them with a urinary tract infection. With pet insurance, the costs of the vet visit, diagnostic tests, and necessary medications can be covered.

The cost of vet appointments can vary depending on various factors such as the location, the services provided, and the specific condition of your pet. Vets may charge up to &pound;40 as a consultation fee with any fees for treatments then added on top of this. For example, if your family cat has been involved in an accident and needs an X-rays, treatment and rehabilitation, the costs could be significant.

If something unforeseen like that occurs, you naturally want your focus to be on getting your beloved companion out of pain and back to fitness as soon as possible rather than dealing with the stress of arranging the finances. Unless you&rsquo;re able to put aside a savings fund for your pet, a comprehensive pet insurance policy is the best way to protect against unforeseen costs.

Whilst pet insurance won&rsquo;t provide coverage for 100% of all vet visits or medical care, it can certainly help reduce the financial burden of unexpected expenses and provide peace of mind knowing that you can provide the necessary care for your furry friend without major financial strain.

Find out more about coverage with Everypaw&rsquo;s easy-to-understand pet insurance guides. You can also find out everything you need to know about training, nutrition and more, over at <a href="/Home/all-things-pet.html" title="Link to Everypaw's All Things Pet healthcare blogs">All Things Pet</a>.

Whilst pet insurance won&rsquo;t provide coverage for 100% of all vet visits or medical care, it can certainly help reduce the financial burden of unexpected expenses and provide peace of mind knowing that you can provide the necessary care for your furry friend without major financial strain.

Find out more about coverage with&nbsp;<a href="${link:{uuid:{undefined},repository:{undefined},path:{undefined}}}" title="Link to Everypaw's Cover Explained landing page">Everypaw&rsquo;s easy-to-understand pet insurance guides</a>. You can also find out everything you need to know about training, nutrition and more, over at&nbsp;<a href="${link:{uuid:{67922355-626a-475b-a4bf-1ea8b48daf26},repository:{website},path:{/everypaw2/all-things-pet}}}" title="Link to Everypaw's All Things Pet blog landing page">All Things Pet</a>.

Are pre-existing conditions covered by pet insurance?

It&#39;s important to note that most pet insurance plans do not cover pre-existing conditions. When it comes to pet insurance, &lsquo;pre-existing&rsquo; means any illnesses or conditions that your pet had before the policy was purchased. This exclusion is in place to prevent pet owners from purchasing insurance after their pet has already been diagnosed with a serious condition.

Additionally, you may find certain providers may exclude hereditary or congenital conditions from coverage. These are conditions that are inherited or present at birth. With Everypaw, as long as they are not a pre-existing condition which occured whilst covered by another policy, we can cover hereditary conditions.&nbsp; Before purchasing, it&#39;s always a good idea to check with your provider to understand their specific coverage limitations.

While pet insurance is designed to provide financial protection for unexpected accidents or illnesses, it is important to note that routine visits are not typically included in the coverage. Routine visits are considered essential for maintaining your furry friend&#39;s overall health and well-being and are, therefore, expected expenses that pet owners should plan for. This also means that anything deemed cosmetic procedures, such as caps, fillings, and implants, typically won&#39;t be covered.

At Everypaw, routine and preventative treatments, such as vaccinations, cosmetic dentistry, cosmetic surgery, cleaning and descaling of teeth, spaying, castration, routine, removal of dew claws, parasite control treatments, grooming and nail clipping are not included within our policies. Find out more in-depth about exactly what is covered in our policy documentation.

While pet insurance is designed to provide financial protection for unexpected accidents or illnesses, it is important to note that routine visits are not typically included in the coverage. Routine visits are considered essential for maintaining your furry friend&#39;s overall health and well-being and are, therefore, expected expenses that pet owners should plan for. This also means that anything deemed cosmetic procedures, such as caps, fillings, and implants, typically won&#39;t be covered.

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It&#39;s also worth noting that even if your pet insurance policy does not cover routine visits, it is still highly recommended to prioritise regular check-ups and preventive care for your pet. These visits allow vets to detect any potential health issues early on, which can ultimately save you money in the long run by preventing more serious and costly conditions.

Additionally, routine visits provide an opportunity for veterinarians to assess your pet&#39;s overall health, provide necessary vaccinations, and offer guidance on nutrition, exercise, and other aspects of pet care. By investing in routine care, you are actively contributing to your pet&#39;s well-being and ensuring that they lead a happy and healthy life with you.

What Does Pet Insurance Cover? | Everypaw

Link to get a quote for Everypaw Pet Insurance

What Does Pet Insurance Cover?

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Link to get a quote for Everypaw Pet Insurance 

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Zoomies to Senior Snoozes, We've Got Them Covered

The benefit values featured in the table may vary across the different levels of cover and will depend on the cover you choose. Please check your cover before purchasing. Be aware, for some breeds of dogs we do not provide our &pound;8k and &pound;10k Lifetime cover. 
 
All policies and features are subject to special conditions and exclusions of the insurers, please click the link to read about&nbsp;<a href="/Home/pet-insurance-policy-exclusions.html" title="Link to Everypaw's Pet Insurance Exclusions page">our policy exclusions.</a> 
 
Excess is applicable to all vet fees claims. When your pet reaches a certain age, the excess payable may change. The excess will be your set excess plus a percentage of your claim amount.

Getting your furry friend covered shouldn&#39;t just come down to cost. There&#39;s a lot more to it than that, so take the time to do a pet insurance comparison. Think about their breed, the level of cover they might need, and what would be important to you. After all, insurance is there for both of you.

One of the best ways to do that is to compare cover levels. This will give you an idea of how much your pet insurance will cost, how much you can claim against vet bills, as well as the policy benefits. It&#39;s all about finding the Lifetime Pet Insurance that works best for you and your pet.

*Based on Everypaw claims data from February 2024 to March 2025

An older dog for pet insurance for older pets

As our furry companions age, they&#39;re more likely to suffer from ailments and illnesses here and there. And we want you to be able to look after your pet well into retirement. That&#39;s why we don&#39;t have age limits on our policies. Our <a href="/Home/pet-insurance-for-older-pets.html">pet insurance for older pets</a> can help you do the most important thing &ndash; looking after your pet.

What about younger pets? We also offer <a href="/cat-insurance/kitten-insurance" title="Link to Everypaw's Kitten Insurance page">kitten</a> and <a href="/dog-insurance/puppy-insurance" title="Link to Everypaw's Puppy Insurance page">puppy insurance</a>, covered by our cat and dog insurance. No matter how old or young your purr-fect pet is, our pet insurance can give you all-important peace of mind.&nbsp;

Four animals for Everypaw's Multi-pet Insurance

Whether you are looking for a playmate for your pet or if your house is more like a <a href="/dog-insurance" title="Link to Everypaw's Dog Insurance page">dog</a>, <a href="/cat-insurance" title="Link to Everypaw's Cat Insurance page">cat</a> and <a href="/rabbit-insurance" title="Link to Everypaw's Rabbit Insurance page">rabbit</a> smallholding, you need multi-pet insurance that works for you. Everypaw&#39;s policies are just that and give you a discount on every pet too. No matter how many pets you have, from glorious <a href="/dog-insurance/dog-breed-guides/golden-retriever-insurance-care-and-health-advice" title="Link to Everypaw's Golden Retriever Dog Breed Guide page">Golden Retrievers</a> and majestic <a href="/cat-insurance/cat-breed-guides/maine-coon-cat-insurance-care-and-health-advice" title="Link to Everypaw's Maine Coon Cat Breed Guide page">Maine Coons</a> to lovely <a href="/rabbit-insurance/rabbit-breed-guides/lionhead-rabbit-insurance-care-and-health-advice" title="Link to Everypaw's Lionhead Rabbit Breed Guide page">Lionheads</a>, it&#39;s there for every single paw.

Link to the Everypaw Multi-pet Insurance page

How Does Pet Insurance Work: Getting a Quote

Our pet insurance quote form takes just 3 minutes to fill out. Here&#39;s how it works:

<ul>
	<li>Select which type of pet you&#39;re looking to insure and enter their age, breed and sex</li>
	<li>Enter basic personal details about yourself including your email and home addresses</li>
	<li>Select your vet fees limit</li>
	<li>We&#39;ll give you a pet insurance price! And we&#39;ll show you what the cost is for the year, plus what your monthly instalments will look like if you choose to pay that way</li>
</ul>

Will my pet insurance cover pre-existing conditions?

Ever found the urge to discover what the best dog breeds to train are or maybe you want to get to the bottom of your pet&#39;s worm problem.&nbsp;<a href="/Home/all-things-pet.html" title="Link to Everypaw's All Things Pet blog">Everypaw&#39;s All Things Pet blog</a>&nbsp;has the content to keep you informed.

Most Popular Celebrity and Royal Pet Names 2025

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Link to Our Guide to the 2025 Everypaw Awards

The 2025 Everypaw Awards

Link to The UK's Top 15 Strangest Pet Names 2025 blog article

The UK's Top 15 Strangest Pet Names 2025

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Link to Everypaw Pet Portal information page

Everypaw Pet Portal policy management icon

For that extra peace of mind when your pets get up to mischief, there&#39;s Everypaw. Our pet insurance is for cats, dogs and rabbits, and every policy comes with unlimited 24/7 access to vet nurses and vets. So, if you ever feel a bit &#39;for pet&#39;s sake&#39;, know Everypaw is here for you and your pet when you need us most!

Why Choose Everypaw for Pet Insurance in the UK?

99% of claims paid in 5 working days*

Manage your UK pet insurance policy online in the&nbsp;<a href="https://www.everypaw.com/pet-portal-info" title="Link to Everypaw's Pet Portal Information page">Pet Portal</a>

Three animals for Everypaw's Multi-pet Insurance

Choosing the right pet health insurance isn&#39;t always easy. We know that. And we also know that a key part of deciding is knowing what&#39;s not covered. That way, at least there are no nasty surprises in terms of coughing up for bills that you thought were going to be taken care of by your policy.

So, here are a few of the main exclusions on our pet insurances:

<ul>
	<li>Treatment for any pre-existing conditions</li>
	<li>Treatment for poisoning or any accidental injury that occurs in the first 3 days of your policy*</li>
	<li>Treatment for any illness that occurs in the first 14 days of your policy*</li>
	<li>Treatment related to vaccine-preventable conditions</li>
	<li>Treatment related to breeding, pregnancy or birthing</li>
	<li>Treatment on baby teeth if your pet is over 16 weeks when your policy starts</li>
</ul>

*Switching to Everypaw Pet Insurance? If you can prove your previous insurance runs up to the policy start date, we can waive this for you.

Please see our <a href="/Home/pet-insurance-policy-exclusions.html" title="Link to Everypaw's Policy Exclusions page">exclusions page</a>&nbsp;for further details.

Fingers crossed, you never have to! We want to reassure you that claiming on your pet health insurance is as hassle-free as possible. That&rsquo;s why we have Vet Pawtal. A direct platform for vets so they can submit claims and leave you to care for your pet.

Vet Pawtal is the fastest and most efficient way to claim. There&rsquo;s no more paperwork for you, and we&rsquo;ll keep you updated every step of the way.&nbsp;&nbsp;&nbsp;

If your vet can&rsquo;t submit the claim, don&rsquo;t worry; you can still submit it in the <a href="https://petportal.everypaw.com/register#login" target="_blank" title="Link to the Everypaw Pet Portal">Everypaw Pet Portal</a>. It&rsquo;s straightforward; just log in and follow the instructions. Alternatively,&nbsp;you can <a href="https://www.everypaw.com/downloads-2020/everypaw-claim-form.pdf" target="_blank" title="Link to download an Everypaw claim form">download a claim form</a>, but this can take longer.

Please refer to the guidance in your policy documents for Third Party Liability claims.&nbsp;&nbsp;&nbsp;

For more information, head to our <a href="/Home/claims.html">Pet Insurance Claims information page</a>.

We know pets are just as much a part of your family as any human. So, we know how important it is to you that they&#39;re protected. Choose Everypaw for pet insurance in the UK and give yourself that priceless peace of mind.

We know things can be tough right now, with many people facing money worries. If you have such concerns, please get in touch with us, as we may be able to offer some options to help, which could include reducing your cover or increasing your excess.

If you wish to find out more and your eligibility for any options, please call <a href="tel:03445431009" title="Call Everypaw Customer Services and Claims">0344 543 1009</a>.

Two levels of our Lifetime Pet Insurance cover have been rated 5 Stars by independent financial business, Defaqto, for 8 years in a row.

Deciding which pet insurance your furry bundle of fun needs can be tricky, especially if you&#39;re a new fur-parent. That&#39;s why here at Everypaw.com, we&#39;re trying to keep things simple, we&#39;re all about&nbsp;<a href="/Home/lifetime-pet-insurance.html" title="Link to Everypaw's Lifetime Pet Insurance page">Lifetime Pet Insurance</a>.

Our Lifetime cover is available for your cats, dogs and rabbits. And if you&#39;re looking to cover your cat or dog, there&#39;s a range of cover levels to choose from. Lifetime covers your pet up to a set vet fee limit, and the limits reset for every year of cover.

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Link to the Everypaw Petcall information page

Dog Insurance

Cat Insurance

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What Does Pet Insurance Cover?

An example of what pet insurance can cover

Are pre-existing conditions covered by pet insurance?

Does Pet Insurance Cover Routine Visits?

The importance of routine check-ups

How Much Do Vet Appointments Cost?

Can I See a Vet for Free?