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Link to get a quote for Everypaw Pet Insurance

Before we get into this, we need to be clear, we&#39;re not saying we&#39;re the best, we&#39;re not even allowed to give recommendations. This is our best shot, excuse the pun, to give you all the information you need to make the right decision.

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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

What you need to find the best pet insurance

We believe pet insurance shouldn&#39;t to be difficult, so we&rsquo;ve put together a guide on everything you should look into when you&rsquo;re seeking the best pet insurance policy for you and your pet.

Pets are part of the family, and like all family members, you want to make sure you&rsquo;re able to provide them with the very best care in case of accident, injury or illness. Taking out a <a href="/everypaw2.html" title="Link to Everypaw Pet Insurance's homepage">pet insurance policy</a> is one of the best ways to have peace of mind that your furry companion is covered; but with so many options available it isn&rsquo;t always easy to understand which pet insurance option is going to provide the best coverage.

Before we get into this, we need to be clear, we&#39;re not saying we&#39;re the best, we&#39;re not even allowed to give recommendations. This is our best shot, excuse the pun, to give you all the information you need to make the right decision. We believe pet insurance shouldn&#39;t to be difficult, so we&rsquo;ve put together a guide on everything you should look into when you&rsquo;re seeking the best pet insurance policy for you and your pet.

Pets are part of the family, and like all family members, you want to make sure you&rsquo;re able to provide them with the very best care in case of accident, injury or illness. Taking out a&nbsp;<a href="https://www.everypaw.com/" title="Link to Everypaw's Pet Insurance homepage">pet insurance policy</a>&nbsp;is one of the best ways to have peace of mind that your furry companion is covered; but with so many options available it isn&rsquo;t always easy to understand which pet insurance option is going to provide the best coverage.

<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>

Accident Only Pet Insurance is not included in the comparison table above as it is not a cover provided by Everypaw. Everypaw&#39;s Maximum Benefit and Time Limited Pet Insurance is only available through price comparison websites. Third Party Liability is not available for Akitas, Japanese Akitas, Neapolitan Mastiffs and dogs with a history of aggressive behaviour.

You&#39;ll find when doing your pet insurance research, many providers offer different policy types, different cover levels and different additional benefits. To give you a quick overview, the table below outlines what&#39;s included with the different cover levels Everypaw offer.

Ultimately, only you can decide what the best type of cover is for your pet by carefully considering your financial situation, what you&rsquo;re comfortable committing to in terms of monthly or annual payment and what will suit the unique conditions of your beloved pet best.

Find out more about coverage with <a href="/Home/cover-explained.html">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 <a href="/Home/all-things-pet.html">All Things Pet</a>.

Ultimately, only you can decide what the best type of cover is for your pet by carefully considering your financial situation, what you&rsquo;re comfortable committing to in terms of monthly or annual payment and what will suit the unique conditions of your beloved pet best.

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>.

Nothing but the best will do for your pampered pooch. That&#39;s true of everything they have, from care to food and insurance too.&nbsp;

Now, we&#39;re not saying we&#39;re the best. But we are proud to say that all our <a href="/lifetime-pet-insurance" title="Link to Everypaw's Lifetime Pet Insurance page">Lifetime policies</a> over &pound;4,000 have been reviewed as Which? Best Buy Dog Insurance for the second year running.

Think carefully about what you&rsquo;d like to be covered, and what the potential costs could be if you had to self-fund certain aspects of care.

Accident only is the cheapest option up front, but could potentially result in higher costs for you later on if there are complications or conditions that develop in your pet&rsquo;s life. Having to self-fund care can also apply to other types of cover too.

For Maximum Benefit and Time Limited, if you spend all your vet fees or go over the time frame, conditions are no longer covered. So if you the condition re-occurs, you would be liable for the costs.

When it comes to Lifetime, though your vet fee limit refreshes every year at renewal, if you spend your vet fee limit within the year, you&#39;ll need to cover costs until your renewal date. Unlike other covers, as long as you renew, conditions are not excluded once you reach your vet fee limit.

If you&#39;re switching providers, you need to be aware of any conditions your pet&#39;s suffered from in the past. Many providers would consider these as pre-existing conditions, so you would need to prepare to cover the costs if the condition ever re-occurs.

As pet owner, also carefully consider whether the breed you&rsquo;ve chosen is predisposed to any conditions that could prove costly.

This is a lesser concern if you&rsquo;re <a href="/Home/dog-insurance/puppy-insurance.html" title="Link to Everypaw's Puppy Insurance page">insuring a puppy</a>&nbsp;or kitten, as taking out a policy as early as possible provides the best and most cost-effective coverage. If you&rsquo;ve left it a little later to invest in a policy, you&rsquo;ll need to consider the costs of insuring an older pet.

The good news is that there are no age limits on Everypaw policies. So even if you have a 12-year-old Jack Russell, a 15-year-old Moggie or a 6-year-old bunny, don&rsquo;t worry, because we&nbsp;<a href="/Home/pet-insurance-for-older-pets.html" title="Link to Everypaw's Pet Insurance for Older Pets">insure older pets</a>&nbsp;too.&nbsp;

When insuring or switching providers for an older pet, many providers may not cover pets over a certain age. So always consider what&#39;s best for you and your pet before making the leap. Though the cost of your insurance will go up, it may be better in the long run to stay with an existing provider to ensure conditions suffered during their policy are covered. You always need to consider your pet&#39;s pre-existing conditions, as many insurance providers will not cover these.&nbsp;

Whatever type of policy you get, there will be some type of limit on the amount of fees you can claim. Time Limited and Maximum Benefit set these limits with a time period and per condition. After you&#39;ve reached these limits, you&rsquo;ll be liable for any further costs on top of this as well as the excess. If you choose a Lifetime policy, the limits on your policy reset on an annual basis so you will never permanently run out of vet fees.

When it comes to vet fee limits, you should consider the amount of cover need now, and in the future. The cost of veterinary treatment is on the rise, and what could be covered by your vet fee limit now, may not be in the future.

The excess is the amount you&rsquo;ll need to pay towards any claim. Different providers have different excess options, some with a set excess, some with a variable voluntary excess you can select, and some with both. When choosing a policy with a set excess plus a variable excess, though you can save on the cost of your policy, you will end up paying more excess when it comes to a claim.

Everypaw&#39;s excess which is payable either per condition, per year (Lifetime) or per condition (Maximum Benefit and Time Limited). Bear in mind, once your pet reaches the upper ages of their policy, their excess may change. You can find out more about excess on <a href="/Home/claims.html">our claims page</a>.

Most pet insurance policies don’t include routine or cosmetic procedures regardless of the type of cover you choose. Every provider and policy type will differ, so it is vital to take the time and make sure you understand fully what is and isn’t included as part of the policy.

The best pet insurance policy for you depends on your circumstances, finances and the unique requirements of your pet. Considering factors like their medical history, breed, age and your ability to potentially self-fund care against the cost of the various types of coverage, can be difficult. When you’re deciding on the best type of pet insurance for your needs, be sure to consider the following criteria:

Lifetime Pet Insurance is considered to be the most comprehensive type of policy, and for that reason is usually a little more expensive. The benefit of this type of cover is that conditions your furry friend faces can be covered year on year, as long as you renew the policy.

Like all other policies, Lifetime doesn&rsquo;t include any pre-existing conditions, but it can help when it comes to chronic, long-term conditions, as long as they develop whilst the policy is active. Unlike other cover types, Lifetime has an annual vet fee limit which you can choose, and this will reset every 12 months as long as your policy is renewed.

<a href="/Home/lifetime-pet-insurance.html">Lifetime pet insurance is the most extensive pet insurance</a> cover due to the longer-term nature of the policy which can protect against the cost of ongoing veterinary treatment. Once the annual vet fee limit is reached, you&#39;ll need to pay any remaining treatment yourself until your limit replenishes at your renewal date.

Maximum Benefit Pet Insurance means there&#39;s a set amount of money you can use for each sickness or injury your pet might have.

There&#39;s no time limit for when you have to make your claims which sets it apart from a time limited policy and you&rsquo;re able to claim multiple times for the same health problem or injury, up until you reach the limit of what the policy can pay. To keep getting money for claims, you need to make sure your insurance is still active and that you&#39;re up to date on your payments. People often call these types of plans &#39;per-condition&#39; because there&#39;s a money limit for each condition.

Whilst this can offers more comprehensive coverage than time limited or accident only, you are only covered up to the vet fee limit. Once you&#39;ve reached your limit, you will need to cover the cost and won&#39;t be able to claim for the condition again as the fees per condition and don&rsquo;t reset. Similar to other types of pet insurance, pre-existing conditions are not covered.

Everypaw only offer Maximum Benefit Pet Insurance through price comparison websites.

Usually costing a little more than Accident Only policies and offering more flexible coverage is Time Limited Pet Insurance. This provides cover usually for 12 months with a vet fee limit in place for the amount of money you can claim for with each new illness or injury your pet may suffer from.

The reason Time Limited policies are cheaper than more comprehensive types of cover, is the timeframe the cover is active and the fees that can be covered in that period. Once the timeframe of the policy has expired or the maximum amount has been claimed, you won&rsquo;t be covered for that particular condition. If this condition, or accident, occurs again later on down the line, it won&rsquo;t be covered and will be considered a pre-existing condition.

Time limited can be a useful way of covering for accidents or more minor conditions. However, for long-term illness or more serious conditions, it isn&rsquo;t the most comprehensive option.

Everypaw only offer Time Limited Pet Insurance through price comparison websites.

Often the most affordable policy in terms of monthly premiums is Accident Only Pet Insurance, but this lower cost comes with distinct limitations on what the policy covers. As the name suggests, it only covers fees for treatment after an accident and usually policies have a cap on the amount of money you can claim. Once that cap has been exceeded, you&rsquo;ll be liable to pay for the rest of the treatment yourself.

Due to the short-term and very specific nature of accident only pet insurance, it isn&rsquo;t the most comprehensive policy and is most suitable if you&#39;re comfortable with self-funding the cost of any other type of treatment.

Everypaw do not offer Accident Only Pet Insurance.

Whilst &lsquo;best&rsquo; can mean different things to different people, and it is reasonable to question whether pet insurance is worthwhile - can we agree when it comes to our pets we&rsquo;ll want to know that they can be covered in the face of any potential health issues. When it comes to it, there are four main types of pet insurance, all offering different levels of coverage and varying in cost.

Which is the Best Pet Insurance | Everypaw

Which is the Best Pet Insurance?

Link to How to Our Guide to Keeping Your Pets Safe at Halloween

Link to log in to the Everypaw Pet Portal

A dog and a cat compare Everypaw's Insurance for Pets

Link to get a quote for Everypaw Pet Insurance 

Link to retrieve a previous Everypaw Pet Insurance quote

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

Link to the UK's Most Popular Celebrity and Royal Pet Names 2025

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

A phone screen image of Everypaw's Pet Portal

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.

A phone image of an Everypaw Petcall vet nurse

Link to the Everypaw Petcall information page

Dog Insurance

Cat Insurance

An image link for Everypaw Rabbit Insurance

Link to the Everypaw Rabbit Insurance page

Rabbit Insurance

Pet Insurance | UK Pet Insurance Quotes | Everypaw

Link to get an Everypaw Pet Insurance quote

	Lifetime	Max Benefit	Time Limited
Fees for accidents	Yes	Yes	Yes
Fees for illness	Yes	Yes	Yes
Vet fees reset annually	Yes	No	No
Vet fees per condition	No	Yes	Yes
Vet fees time limit	No	No	Yes
Pre-existing conditions	No	No	No
Dental treatment	Yes	Yes	Yes
Complementary treatment	Yes	Yes	Yes
Physiotherapy	Yes	Yes	Yes
Finding your pet	Yes	Yes	Yes
Emergency boarding fees	Yes	Yes	Yes
Clinical diet	Yes	Yes	Yes
Petcall 24/7 vet team	Yes	Yes	Yes
Pet Portal	Yes	Yes	Yes
Loss by theft or straying cats and dogs only	Yes	Yes	Yes
Death from illness cats and dogs only	Yes	Yes	Yes
Death from accident cats and dogs only	Yes	Yes	Yes
Cremation or burial cats and dogs	Yes	Yes	Yes
Third party liability dogs only	Yes	Yes	Yes

Which is the Best Pet Insurance?

What you need to find the best pet insurance

Which? Voted Us Top Dogs for Insurance

What is the Best Level of Pet Insurance?

Lifetime Pet Insurance

Maximum Benefit Pet Insurance

Time Limited Pet Insurance

Accident Only Pet Insurance

Comparing Types of Pet Insurance

Lifetime

Max Benefit

Time Limited

Fees for accidents

Fees for illness

Vet fees reset annually

Vet fees per condition

Vet fees time limit

Pre-existing conditions

Dental treatment

Complementary treatment

Physiotherapy

Finding your pet

Emergency boarding fees

Clinical diet

Petcall 24/7 vet team

Pet Portal

Loss by theft or straying

Death from illness

Death from accident

Cremation or burial

Third party liability

How to Choose the Best Pet Insurance Policy?

What does the policy cover?

Are there age limits?

Policy limits on vet fees

What is the compulsory excess?

What about exclusions?

So What is the Best Pet Insurance?