Is Everypaw Pet Insurance Worth It? Review 2025
Our Expert's Opinion on Everypaw
Everypaw, underwritten by Pinnacle Insurance plc, stands out on the UK pet insurance market for its versatile three-tier offering: Lifetime, Maximum Benefit, and Time Limited. Each formula comes with customisable reimbursement ceilings and competitive annual coverage limits, ensuring tailored options for most owners. Excesses are flexible—either a fixed amount or percentage—varying by policy and animal's age, providing pricing transparency. Everypaw’s unique point is its comprehensive scope, including dental care (with restrictions), veterinary complementary therapies, and up to £200 for cremation costs, along with loss/theft cover and public liability for dogs. Positioned at a mid-market price, Everypaw clearly rivals major brands on core guarantees, while offering digital management and a vet advice helpline. This contract especially benefits young to middle-aged pets, small and medium budgets, and owners looking for broad legal protection with clear annual policy refresh. Its age and breed limits on entry are stricter than some, but coverage is maintained for life once insured. Backed by Pinnacle Insurance plc—a regulated underwriter with strong UK credentials—Everypaw is a reliable insurer. On Trustpilot, it shows a score of 4.3/5 (over 3,000 reviews), and claims processing averages between 7 and 21 days, making its service solid and responsive for most policyholders.
- Three formulas: Lifetime, Maximum Benefit, Time Limited
- Comprehensive dental and complementary therapy cover
- Public liability included for dogs
- Loss and theft compensation up to market value
- Digital policy management and health helpline
- Covers vet bills in EU for 90 days
- Strong Trustpilot score (4.3/5, 3,000+ reviews)
- Maximum entry age limits for some breeds
- Time-limited and per-condition formulas less suitable for chronic illnesses
- No routine/preventive care reimbursement
- Exclusions for certain hereditary/early life conditions
- Strict compliance required for eligibility and claims
- Everypaw Guarantees
- Exclusions of Everypaw
- Everypaw Prices
- Everypaw Assistance
- Customer reviews on Everypaw
- How to contact Everypaw?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and conditions and pricing of 34 insurance policies on the market each year, providing you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the UK rely on us each month to support them with their most important financial decisions. undefined
Everypaw Guarantees
Everypaw stands out with three adaptable plans—Lifetime, Maximum Benefit, and Time Limited—covering illness, accident, and complementary treatments, each with bespoke annual/vet fee limits and dual (fixed and variable) excess options.
The Lifetime plan ensures continuous annual protection for chronic illnesses, while the others limit reimbursement by condition or time, with reimbursement rates typically up to 100% after excess.
Strengths include cover for dental care (if annual checks are proven), herbal/alternative therapies, and a broad EU travel option for 90 days per year, plus robust third-party liability for dogs.
However, notable gaps include no routine/preventive care (vaccinations, antiparasitics, neutering) and exclusions for pre-existing conditions, senior pets’ illnesses, and some breeds’ age cut-off.
Everypaw’s approach is rigorous regarding legal compliance, clarity, and technology support, but customers must scrutinise policy and schedule for treatments and monetary limits.
| Name of Guarantee | Lifetime | Maximum Benefit | Time Limited |
|---|---|---|---|
| Positioning of the Plan | Comprehensive, renewable annually | By-condition capped, non-renewable | Short-term, capped by both period and condition |
| Type of Cover | Accident & illness | Accident & illness | Accident & illness |
| Covered Pets | Cats and dogs | Cats and dogs | Cats and dogs |
| Reimbursement Rate (%) | Up to 100% after excess | Up to 100% after excess | Up to 100% after excess |
| Annual Vet Fee Limit | Personalised per policy | Fixed per condition per policy | Fixed total per condition/per year, 12-month max |
| Excess (Annual or Per-Claim/Act) | Fixed and/or % per claim; varies policy | Fixed and/or % per claim; varies policy | Fixed and/or % per claim; varies policy |
| Age Limits for Subscription – Cats | 8 weeks–10 years | 8 weeks–10 years | 8 weeks–10 years |
| Age Limits for Subscription – Dogs | 8 weeks–8 years (5 for some breeds) | 8 weeks–8 years (5 for some breeds) | 8 weeks–8 years (5 for some breeds) |
| Medical Questionnaire? | No, but must state prior illnesses | No, but must state prior illnesses | No, but must state prior illnesses |
| Illness Waiting Period | 14 days (waived if continuous transfer) | 14 days (waived if continuous transfer) | 14 days (waived if continuous transfer) |
| Accident Waiting Period | 3 days (waived if continuous transfer) | 3 days (waived if continuous transfer) | 3 days (waived if continuous transfer) |
| Lifetime Cover Once Subscribed? | Yes, as long as policy is maintained | Yes, ongoing but capped per condition | Yes, up to max per condition & time; then ends |
| Average Reimbursement Delay | Not specified; see contract | Not specified; see contract | Not specified; see contract |
| Vet Consultations (all types) | Covered within vet fee limit | Covered within vet fee limit | Covered within vet fee limit |
| Medications | Covered within vet fee limit | Covered within vet fee limit | Covered within vet fee limit |
| Hospitalisation | Covered within vet fee limit | Covered within vet fee limit | Covered within vet fee limit |
| Ambulance Fees | Covered within vet fee limit | Covered within vet fee limit | Covered within vet fee limit |
| Surgery, Anaesthesia | Covered within vet fee limit | Covered within vet fee limit | Covered within vet fee limit |
| MRI, CT, Ultrasound | Covered within vet fee limit | Covered within vet fee limit | Covered within vet fee limit |
| Laboratory Analyses | Covered within vet fee limit | Covered within vet fee limit | Covered within vet fee limit |
| Radiotherapy | Covered within vet fee limit | Covered within vet fee limit | Covered within vet fee limit |
| Dental - Accident/Illness | Covered if annual dental checks proven | Covered if annual dental checks proven | Covered if annual dental checks proven |
| Dental - Tartar removal | Only for illness/injury, not routine | Only for illness/injury, not routine | Only for illness/injury, not routine |
| Vaccines (mandatory/non) | Not covered | Not covered | Not covered |
| Antiparasite/Worming Treatments | Not covered | Not covered | Not covered |
| Neutering/Spaying (specify dog/cat) | Not covered (any animal) | Not covered (any animal) | Not covered (any animal) |
| Microchipping/Identification Fees | Not covered | Not covered | Not covered |
| Hygiene Products | Not covered | Not covered | Not covered |
| Alternative Therapies | Covered on vet referral | Covered on vet referral | Covered on vet referral |
| Covered Countries/Travel | UK, IoM, Channel Islands + EU (90 days/y) | UK, IoM, Channel Islands + EU (90 days/y) | UK, IoM, Channel Islands + EU (90 days/y) |
| Death/Death by Accident/Illness | Covered up to purchase/market value | Covered up to purchase/market value | Covered up to purchase/market value |
| Cremation/Death Disposal | Up to £200 per animal | Up to £200 per animal | Up to £200 per animal |
| Euthanasia | Covered if vet recommends | Covered if vet recommends | Covered if vet recommends |
| Loss/Theft of Animal | Covered after 14 days, up to purchase | Covered after 14 days, up to purchase | Covered after 14 days, up to purchase |
| Boarding Fees (owner’s hospitalisation) | £15/day after 48h hospital | £15/day after 48h hospital | £15/day after 48h hospital |
Exclusions apply for pre-existing conditions, routine/preventive care, some hereditary illnesses, and legal compliance; see schedule and policy for full terms
Exclusions of Everypaw
The exclusions in the Everypaw contract include, aside from the classic grounds (pre-existing conditions, non-compliance with waiting periods), distinctive points such as the strict exclusion of illness-related death coverage for cats over 10 years old and dogs over 8 years old (or 5 years depending on the breed), which may be surprising compared to the French market in particular.
Coverage is also denied for dogs not correctly identified by law (microchipped), which also conditions compensation in the event of theft or loss—an aspect rarely as strict among competitors.
All illnesses developed within 14 days or accidents within 3 days following subscription are systematically excluded, and civil liability never applies between household members or if the animal is used for security, guarding, or breeding purposes.
Also excluded are all expenses related to breeds banned under British legislation (Dangerous Dogs Act 1991), as well as any absence or avoidable loss (failure to comply with obligations, proven negligence).
| Exclusions | Details |
|---|---|
| Medical exclusions | - Conditions and symptoms known before the policy took effect - Illnesses within the first 14 days, injuries within the first 3 days - Care outside the coverage period (capped/limited formulas) - Comfort/preventive care, vaccinations, cosmetic care - Pregnancy, birth, breeding - Non-prescribed care or unnecessary acts - Death from illness for cat >10 years, dog >8/5 years depending on breed - Euthanasia not medically justified |
| Identification & compliance exclusions | - dogs not identified/chipped (except veterinary exemption); impact on theft/loss/search - Banned breeds ("Dangerous Dogs Act 1991" and crosses) - Lack of care/vaccinations/annual check-up - Failure to comply with laws (quarantine, import, etc.) |
| Geographical and stay exclusions | - Care outside the UK/islands or beyond 90 days/year in the EU (via PETS) - Loss/theft occurring within the first 14 days outside the territory - Civil liability outside the UK/islands |
| Behavioral & liability exclusions | - Fights between animals of the same household or dogs known for fighting - Claims involving owner/family/employees/property of the household - Liability not covered if professional use, in workplace, alcohol establishment - Dogs used for guarding, hunting, racing, security, rescue - Lack of information about a dog's history of aggression |
| Contractual and general exclusions | - Indirect/consequential damages, gross negligence, intentional acts - Fraud, false statements - War, terrorism, riot, delisting - Obligation to pay premiums even while awaiting compensation - Immediate cancellation in case of fraud, legal sanctions, legislative changes |
- Illnesses within the first 14 days, injuries within the first 3 days
- Care outside the coverage period (capped/limited formulas)
- Comfort/preventive care, vaccinations, cosmetic care
- Pregnancy, birth, breeding
- Non-prescribed care or unnecessary acts
- Death from illness for cat >10 years, dog >8/5 years depending on breed
- Euthanasia not medically justified
- Banned breeds ("Dangerous Dogs Act 1991" and crosses)
- Lack of care/vaccinations/annual check-up
- Failure to comply with laws (quarantine, import, etc.)
- Loss/theft occurring within the first 14 days outside the territory
- Civil liability outside the UK/islands
- Claims involving owner/family/employees/property of the household
- Liability not covered if professional use, in workplace, alcohol establishment
- Dogs used for guarding, hunting, racing, security, rescue
- Lack of information about a dog's history of aggression
- Fraud, false statements
- War, terrorism, riot, delisting
- Obligation to pay premiums even while awaiting compensation
- Immediate cancellation in case of fraud, legal sanctions, legislative changes
Everypaw Prices
Overall, Everypaw is positioned in the median price range versus UK competitors, offering a balanced cost-to-cover ratio across its three formulas. The lifetime policy provides solid coverage depths—interesting annual limits, extensive veterinary care, and additional covers (death, theft, dog liability)—comparable to the segment standard, but without offering ultra-high reimbursements or ultra-low deductibles seen in pure premium products.
The use of a 100% digital process (customer portal, subscription, claims) allows management costs to be streamlined and premiums stabilized, while maintaining expert service (health helpline, clear online management).
With equal coverage and exclusions, Everypaw's price-to-cover ratio remains attractive for family profiles seeking the safety of a major company, without overpaying for unwanted high-end add-ons.
Therefore, Everypaw ranks in a median position, neither particularly economical nor excessively premium, but relevant for reliable, modern, and clear coverage.
| Time Limited | Maximum Benefit | Lifetime | |
|---|---|---|---|
| Young cat (2-4 years) | £7/mo | £11/mo | £17/mo |
| Senior cat (7-8 years) | £13/mo | £19/mo | £27/mo |
| Small breed dog (2-4 years) | £10/mo | £16/mo | £25/mo |
| Small breed dog (7-8 years) | £19/mo | £29/mo | £40/mo |
| Large breed dog (2-4 years) | £13/mo | £21/mo | £32/mo |
| Senior dog (7-8 years) | £23/mo | £34/mo | £48/mo |
Everypaw promo codes
| Everypaw Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% off your quote |
Note: Promo codes are subject to change. To get the latest promo codes, visit our pet insurance comparison page.
How much will I be reimbursed with Everypaw?
| Care name | Average price (GBP) | Everypaw Premium Plan Coverage* |
|---|---|---|
| Routine vet consultation | £50 | Refunded £50 Out-of-pocket: deductible payable (varies based on your pet’s profile and age) |
| Neutering / Spaying | £180 | Not refunded Out-of-pocket: £180 |
| Annual vaccinations | £55 | Not refunded Out-of-pocket: £55 |
| Fracture (surgery + care) | £1,600 | Refunded £1,600 Out-of-pocket: deductible payable (varies based on your pet’s profile and age) |
| Urinary tract infection (consultation + medication) | £120 | Refunded £120 Out-of-pocket: deductible payable (varies based on your pet’s profile and age) |
Out-of-pocket: deductible payable (varies based on your pet’s profile and age)
Out-of-pocket: £180
Out-of-pocket: £55
Out-of-pocket: deductible payable (varies based on your pet’s profile and age)
Out-of-pocket: deductible payable (varies based on your pet’s profile and age)
Important information
Premium Plan = maximum reimbursement rate up to a high annual ceiling, fixed/variable deductible depending on your pet’s age and profile (see insurance certificate).
Preventive care (vaccinations, neutering) is never refunded.
For every claim (illness/accident), the deductible amount applies to the reimbursement.
Everypaw Assistance
Everypaw's assistance system relies on a digital client portal to monitor claims, but it does not offer any advance payment service for veterinary costs, requiring the policyholder to pay all expenses upfront before reimbursement.
No dedicated mobile application is available, reducing accessibility and speed of procedures compared to competitors offering highly rated apps.
The absence of veterinary teleconsultation or 24/7 emergency assistance limits care in the event of critical incidents; services focus mainly on non-urgent advice or psychological support via the Petcall hotline.
The insurer does not rely on any network of partner clinics or veterinarians, meaning there are no specific price offers or streamlined care pathways.
Treatment coverage abroad is possible within the EU for up to 90 days per year, but remains occasional and requires compliance with the PETS scheme.
| Everypaw Assistance | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service provided. The policyholder must pay the full amount before reimbursement. |
| Payment options | ✅ | Monthly or annual payments available. No explicit mention of split payments such as 3x without fees. |
| Mobile application | ❌ | No dedicated mobile app. Procedures are via the web portal only. |
| Digital claims management | ✅ | Management via the Everypaw client portal. Invoices can be submitted and claims tracked online. |
| Veterinary emergency | ❌ | No 24/7 emergency service or accessible veterinary teleconsultation. Petcall hotline is only for non-urgent advice and psychological support. |
| Clinic and vet network | ❌ | No agreements or partnerships with clinics or veterinarians. |
| Coverage abroad | ✅ | Coverage in the EU, Channel Islands, and Isle of Man up to 90 days/year under the PETS scheme (conditions apply, limited time coverage). |
Customer reviews on Everypaw
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.2/5 (about 1,800 reviews) |
| Feefo | 4.6/5 (over 2,000 reviews) |
| Review.io | 4.5/5 (about 250 reviews) |
We analyzed the reviews collected from the major platforms above. The positive aspects highlighted most frequently by pet owners who have subscribed to Everypaw include:
- A smooth and efficient claims process: the majority of customers report that submitting claims is straightforward, with digital uploads and guidance at each step.
- Detailed and clear policy documents: the coverage, exclusions, and claims limits are generally explained transparently at sign-up, leading to few surprises according to many reviewers.
- A helpful and courteous customer service: numerous policyholders mention responsive and polite staff, both via phone and online chat, especially when guidance is needed.
- Fast reimbursement for standard claims: several clients note quick payouts, often within a few days for most routine treatments.
- Flexibility in choice of policy: the ability to tailor cover to different needs and budgets is often appreciated by those with younger, older, or pedigree pets.
When it comes to negative feedback:
- A significant increase in premiums at renewal: many customers are frustrated by what they see as steep annual price hikes, particularly after a claim or as pets age.
- Limited or strict cover for pre-existing or chronic conditions: some owners feel let down by exclusions or the way certain recurring health issues are handled.
- Occasional claim rejections or unexpected excess: a notable number of clients report denied claims or misunderstandings about what is covered, especially regarding dental care, hereditary conditions, or policy limits.
- Long waiting times for more complex queries or appeals: while the initial claims process is quick, some find difficulty in resolving disputes or receiving callbacks when a claim is challenged.
- Lack of cover or payout for certain breeds or older pets: certain breeds and older animals may be subject to more exclusions, which has disappointed some owners at renewal or when submitting claims.
Overall, the reviews paint a picture of a user-friendly insurer with efficient digital processes and helpful staff, but policyholders emphasize the importance of regularly reviewing terms and being prepared for rising costs and some policy limitations as pets get older or develop ongoing conditions.
How to contact Everypaw?
| Everypaw customer service | Details |
|---|---|
| To get a quote or subscribe online | To subscribe, use our animal insurance comparison tool, select the Everypaw offer you are interested in and request a quote. For direct subscription or more info: - Portal: https://www.everypaw.com/ - Phone: 0344 543 1050 (Monday to Friday, 8:30am to 6:00pm). |
| To request and track a reimbursement | - Report the claim via the customer portal: https://everypaw.com/pet-portal - Attach the detailed vet invoice (within 12 months of treatment). Other documents may be requested depending on the benefit (proof of payment, care sheet, receipts for special expenses, etc.) - Make sure to respect waiting periods (14d illness, 3d accident) - Reimbursements: usually paid by bank transfer within 10 to 15 days after the file is accepted. - In case of difficulty: - Email: [email protected] - Phone: 0344 543 1050 |
| To obtain proof of insurance | - Log in to your personal space at https://everypaw.com/pet-portal to download your certificate. - Or request it by email at [email protected] - It is also possible to request by phone: 0344 543 1050 |
| To contact assistance | - For any questions about your contract, cover or claims: - Phone: 0344 543 1050 (Mon-Fri 8:30am-6:00pm) - For non-urgent vet advice/nutrition/education/pet bereavement, call the Petcall Helpline (number shown on your contract or personal space) - Administration/contract questions: - Email: [email protected] - A contact form is also available at https://www.everypaw.com/contact-us |
| To cancel my contract | - Right of withdrawal (14 days): inform Everypaw by email [email protected], phone 0344 543 1050, or mail (Everypaw, Pinnacle House, A1 Barnet Way, Borehamwood, Herts WD6 2XX, UK). No fees if no reimbursement made. - After 14 days: - Notify in writing (email, letter – same address as above) with your customer references and desired stop date. - Notice period: cancellation within 30 days after receipt of request. - Attach, if requested, a certificate of no claims if proportional refund. - Cancellation takes effect at the next annual/monthly renewal following notification and deduction of any compensation. - Remember to keep your written cancellation accepted. |
For direct subscription or more info:
- Portal: https://www.everypaw.com/
- Phone: 0344 543 1050 (Monday to Friday, 8:30am to 6:00pm).
- Attach the detailed vet invoice (within 12 months of treatment). Other documents may be requested depending on the benefit (proof of payment, care sheet, receipts for special expenses, etc.)
- Make sure to respect waiting periods (14d illness, 3d accident)
- Reimbursements: usually paid by bank transfer within 10 to 15 days after the file is accepted.
- In case of difficulty:
- Email: [email protected]
- Phone: 0344 543 1050
- Or request it by email at [email protected]
- It is also possible to request by phone: 0344 543 1050
- Phone: 0344 543 1050 (Mon-Fri 8:30am-6:00pm)
- For non-urgent vet advice/nutrition/education/pet bereavement, call the Petcall Helpline (number shown on your contract or personal space)
- Administration/contract questions:
- Email: [email protected]
- A contact form is also available at https://www.everypaw.com/contact-us
- After 14 days:
- Notify in writing (email, letter – same address as above) with your customer references and desired stop date.
- Notice period: cancellation within 30 days after receipt of request.
- Attach, if requested, a certificate of no claims if proportional refund.
- Cancellation takes effect at the next annual/monthly renewal following notification and deduction of any compensation.
- Remember to keep your written cancellation accepted.
FAQ
Do I need to pay vet fees upfront with Everypaw?
With Everypaw, you usually need to pay vet bills yourself first and then claim for reimbursement through your online account or by post. Everypaw does not offer a direct payment or third-party settlement system (such as Payvet). It’s important to keep all itemised invoices and supporting documents for your claim.
How do I cancel my Everypaw pet insurance policy?
To cancel your Everypaw pet insurance, simply contact their customer service by phone, email, or via your online portal. You should give notice and provide your policy details. If you cancel within the first 14 days and haven’t made a claim, you’re entitled to a full refund. After this period, cancellations will be handled on a pro-rata basis, and any required documents must be provided.
What types of cover does Everypaw offer and how do they work?
Everypaw offers three main types of cover: Lifetime, Maximum Benefit, and Time Limited. Lifetime renews your vet fee limit every year; Maximum Benefit covers up to a fixed amount per condition; Time Limited covers a condition for 12 months or until a set limit is reached. The right option depends on your budget and how long you want ongoing conditions covered.
Are there age or breed restrictions for enrolling my pet?
For dogs, you can enrol from 8 weeks up to 8 years old (or 5 years for some breeds); for cats, it’s 8 weeks to 10 years. Once insured, pets stay covered beyond these ages as long as the policy is renewed. Some breeds and banned animals cannot be insured, so check Everypaw’s eligibility rules for details.
What is not covered by Everypaw pet insurance?
Exclusions include pre-existing conditions, illnesses within the first 14 days, accidental injuries in the first 3 days, routine or preventive care (like vaccinations), breeding, pregnancy, cosmetic procedures, and anything related to banned or dangerous breeds. Always read your policy documents to fully understand what is and isn’t covered.
Do I need to pay vet fees upfront with Everypaw?
With Everypaw, you usually need to pay vet bills yourself first and then claim for reimbursement through your online account or by post. Everypaw does not offer a direct payment or third-party settlement system (such as Payvet). It’s important to keep all itemised invoices and supporting documents for your claim.
How do I cancel my Everypaw pet insurance policy?
To cancel your Everypaw pet insurance, simply contact their customer service by phone, email, or via your online portal. You should give notice and provide your policy details. If you cancel within the first 14 days and haven’t made a claim, you’re entitled to a full refund. After this period, cancellations will be handled on a pro-rata basis, and any required documents must be provided.
What types of cover does Everypaw offer and how do they work?
Everypaw offers three main types of cover: Lifetime, Maximum Benefit, and Time Limited. Lifetime renews your vet fee limit every year; Maximum Benefit covers up to a fixed amount per condition; Time Limited covers a condition for 12 months or until a set limit is reached. The right option depends on your budget and how long you want ongoing conditions covered.
Are there age or breed restrictions for enrolling my pet?
For dogs, you can enrol from 8 weeks up to 8 years old (or 5 years for some breeds); for cats, it’s 8 weeks to 10 years. Once insured, pets stay covered beyond these ages as long as the policy is renewed. Some breeds and banned animals cannot be insured, so check Everypaw’s eligibility rules for details.
What is not covered by Everypaw pet insurance?
Exclusions include pre-existing conditions, illnesses within the first 14 days, accidental injuries in the first 3 days, routine or preventive care (like vaccinations), breeding, pregnancy, cosmetic procedures, and anything related to banned or dangerous breeds. Always read your policy documents to fully understand what is and isn’t covered.
