Is Everypaw Pet Insurance Worth It? Review 2025
Our Expert's Opinion on Everypaw
Everypaw is a leading digital pet insurance provider in the UK, underwritten by Pinnacle Insurance plc, offering robust lifetime policies for cats, dogs, and rabbits, with a choice of seven annual vet fee limits (£1,000 to £10,000) and excesses from £60 or £110 per condition. The overall rating of 4.1/5 (Trustpilot, 1,062 reviews) is earned thanks to broad cover options, a fast digital claims process—99% of claims are paid within 5 working days—and useful extras like 24/7 Petcall access to UK veterinary professionals. Compared to competitors like Animal Friends, Waggel, and Petplan, Everypaw positions itself as an accessible, modern insurer, distinguished by its all-digital journey, high limits, transparent policy conditions, and focus on customer support, though it may be outpaced on price by some low-cost brands and long-term price stability remains a concern. Everypaw suits owners seeking comprehensive annual cover and responsive support, particularly tech-savvy families, multi-pet households, and those with younger pets or high-value breeds seeking higher vet fee caps. The underwriter Pinnacle Insurance plc is a well-established UK insurer with strong regulatory backing (FCA, PRA), and Everypaw’s impressive Trustpilot engagement combined with Defaqto 5-Star ratings reinforce its reliability. Most reimbursements are settled promptly, and the customer journey is almost entirely online, supporting a seamless and efficient experience for pet owners.
- ✅Completely digital policy management and claims via Pet Portal
- ✅Lifetime policies with annual cover reset and seven vet fee limits
- ✅99% of claims paid within 5 working days (Feb 2024-Mar 2025)
- ✅24/7 unlimited access to UK vet professionals (Petcall)
- ✅Multi-pet discount and easy management for several animals
- ✅Wide eligibility for young and most older pets (up to 10 years cats, 8 years dogs)
- ✅Defaqto 5-Star rated for 8 years; solid reputation
- ❌Annual renewal premiums can rise notably after first year
- ❌Not the cheapest option for basic cover seekers
- ❌Claim declines possible for pre-existing or non-compliant cases
- ❌Online claims less suitable for non-tech users
- ❌Some benefit limits for certain breeds or conditions
- ✅Completely digital policy management and claims via Pet Portal
- ✅Lifetime policies with annual cover reset and seven vet fee limits
- ✅99% of claims paid within 5 working days (Feb 2024-Mar 2025)
- ✅24/7 unlimited access to UK vet professionals (Petcall)
- ✅Multi-pet discount and easy management for several animals
- ✅Wide eligibility for young and most older pets (up to 10 years cats, 8 years dogs)
- ✅Defaqto 5-Star rated for 8 years; solid reputation
Our Expert's Opinion on Everypaw
Score- ✅Completely digital policy management and claims via Pet Portal
- ✅Lifetime policies with annual cover reset and seven vet fee limits
- ✅99% of claims paid within 5 working days (Feb 2024-Mar 2025)
- ✅24/7 unlimited access to UK vet professionals (Petcall)
- ✅Multi-pet discount and easy management for several animals
- ✅Wide eligibility for young and most older pets (up to 10 years cats, 8 years dogs)
- ✅Defaqto 5-Star rated for 8 years; solid reputation
- ❌Annual renewal premiums can rise notably after first year
- ❌Not the cheapest option for basic cover seekers
- ❌Claim declines possible for pre-existing or non-compliant cases
- ❌Online claims less suitable for non-tech users
- ❌Some benefit limits for certain breeds or conditions
- ✅Completely digital policy management and claims via Pet Portal
- ✅Lifetime policies with annual cover reset and seven vet fee limits
- ✅99% of claims paid within 5 working days (Feb 2024-Mar 2025)
- ✅24/7 unlimited access to UK vet professionals (Petcall)
- ✅Multi-pet discount and easy management for several animals
- ✅Wide eligibility for young and most older pets (up to 10 years cats, 8 years dogs)
- ✅Defaqto 5-Star rated for 8 years; solid reputation
- Everypaw Warranties
- Everypaw exclusions
- Everypaw rates
- Everypaw Assistance
- Customer feedback on Everypaw
- How to contact Everypaw?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and conditions as well as the prices of insurance contracts on the UK market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the UK trust us each month to support them in making their most important financial decisions.
Everypaw Warranties
Everypaw offers a Lifetime cover across several benefit levels (£1,000 up to £10,000/year), available for cats, dogs, and rabbits, with the option to adjust excess from £60 or £110 per condition per year depending on age. Standout features include a 5 Star Defaqto rating, 24/7 unlimited access to vet professionals (Petcall), fast digital claims, and dental/physio/rehab cover within vet fees, plus up to £2 million third party liability for dogs.
Everypaw's key strengths are broad core guarantees, extremely rapid claims handling, and advanced digital services (Pet Portal), but preventive care (such as vaccination, neutering, and routine dental cleaning) is not covered, and waiting periods and price increases after the first year are notable limitations.
Major exclusions concern pre-existing conditions, routine/preventive treatments, and any issue arising during the initial 3-day (accident) or 14-day (illness) waiting period. Overall, Everypaw offers excellent digital experience and cover levels, but those seeking routine/preventive reimbursement or full dental inclusion may find the offer limited.
| Guarantee Name | Everypaw Lifetime Cover (All Levels: £1k–£10k/year) |
|---|---|
| Positioning of the cover | Lifetime, tiered vet fees, digital-first, multi-pet, for all species |
| Type of cover | Accident & illness, not accident-only |
| Animals covered | Dogs, cats, rabbits |
| Reimbursement rate (%) | Up to 100% of eligible vet costs (after excess, till annual limit) |
| Annual vet fee cover limit | £1,000 / £2,000 / £3,000 / £4,000 / £6,000 / £8,000 / £10,000 |
| Annual/per-claim excess | £60 or £110 per condition per year (varies by pet's age) |
| Age min/max to join (cats) | Minimum 8 weeks, no fixed upper max (age may impact excess/price) |
| Age min/max to join (dogs) | Minimum 8 weeks, no fixed upper max (age may impact excess/price) |
| Age min/max to join (rabbits) | Minimum 8 weeks, NC for maximum age |
| Health questionnaire required? | Not routinely, but info on pet health/breed/age requested at quote |
| Waiting period: illness | 14 days (waived for switchers with continuous cover) |
| Waiting period: accident/poisoning | 3 days (waived for switchers with continuous cover) |
| Lifetime coverage once insured | ✅ Lifetime, annual limit resets each year while policy is active |
| Vet consultations (routine & emergency) | ✅ Within annual vet fee limit |
| Medication | ✅ Within annual vet fee limit |
| Hospitalisation | ✅ Within annual vet fee limit |
| Ambulance fees | ✅ Within annual vet fee limit |
| Surgery, anaesthetic | ✅ Within annual vet fee limit |
| Scans, MRI, ultrasound | ✅ Within annual vet fee limit |
| Laboratory tests | ✅ Within annual vet fee limit |
| Radiotherapy | ✅ Within annual vet fee limit |
| Dental cover | ✅ Accident/illness-related & extractions, not routine scale/polish |
| Routine dental scaling/cleaning | ❌ Not covered |
| Preventive care allowance (vaccines, etc.) | ❌ Not covered |
| Complementary/alternative medicine | ✅ Up to £750/£1,000/£1,500 depending on cover |
| Prescribed dietary food | ✅ Partial (25% up to 6 months if for urinary stones), details apply |
| Geographical scope / travel cover | ✅ UK as standard, 90 days/year PETS countries abroad (max benefit) |
| Death (accident/illness) | ✅ Up to £750/£1,500/£2,000 (depends on cover) |
| Cremation/burial | ✅ Up to £200 |
| Euthanasia | ✅ Covered if recommended by vet |
| Loss/theft/straying + search costs | ✅ Up to £750/£1,500/£2,000 (depends on cover) |
| Search/reward advertising | ✅ Up to plan annual limit (as above; proof required) |
| Kennel/cattery/boarding (owner hospitalised) | ✅ Up to £750/£1,500/£2,000 (48h+ hospital stay required) |
| Holiday cancellation (due to pet illness/loss) | ✅ Up to £750/£1,500/£2,000 (conditions apply) |
| Third party liability (dogs only) | ✅ Up to £2m per event (UK only; £250 excess property damage) |
| Third party liability (cats/rabbits) | ❌ Not covered |
| Premium suspension (e.g. owner incapacity) | ✅ Up to 6 x 30-day periods (eligibility rules apply) |
Good to know
Dental coverage requires annual check-ups and following vet's dental advice; only necessary and accident-related dental treatments are covered (routine cleaning excluded).
Benefit levels and sub-limits (complementary, search/boarding/holiday, death, cremation) vary by plan; claims for pre-existing or waiting period conditions are always excluded.
Excess and cover availability may change with pet's age; check which breeds are eligible for higher vet fee options.
Multi-pet discounts are available for policies covering two or more animals.
For best value, compare cover levels and excess options online to ensure you get suitable protection at the most competitive price for your pet’s needs.
👉 Compare pet insurance plans for freeStart saving on vet billsEverypaw exclusions
Exclusions on the Everypaw contract focus primarily on pre-existing conditions, waiting periods (3 days for accident/poisoning, 14 days for illness), and preventive care, aligning with many UK market norms.
However, notably strict exclusions include any treatment for vaccine-preventable illnesses, pregnancy or breeding-related issues, or illness/injury arising from the owner's failure to provide required preventative care such as vaccinations.
Dental treatment is only covered if medically necessary and subject to annual dental check conditions; treatment of baby teeth is excluded if the pet was over 16 weeks old at policy start.
All congenital, hereditary, or chronic conditions diagnosed before policy inception are permanently excluded, and there is no cover for any costs relating to neutering, check-up exams, or elective/cosmetic procedures.
Reimbursement for lost/stolen pets requires microchipping in compliance with legal obligations, and claims relating to any illegal ownership, banned breeds, or unlawful keeping of pets are strictly excluded.
| Exclusions | Details |
|---|---|
| Medical Exclusions | - Pre-existing conditions (inc. bilateral, hereditary, chronic) - Illness/injury during waiting period (3 days accident, 14 days illness) - Vaccine-preventable diseases - Breeding, pregnancy, or birthing costs - Routine, non-essential, or cosmetic treatments - Treatment of deciduous (baby) teeth if >16 weeks at policy start - Dental treatment only if annual dental checks are up to date and medically necessary - Costs for neutering, elective spay/castration, or routine check-ups - Exclusion of congenital/hereditary conditions diagnosed before cover starts |
| Preventative Care Exclusions | - Vaccinations, boosters, worming/flea/tick prevention - Routine wellness exams or pet health checks |
| Geographic Exclusions | - Veterinary costs incurred outside of eligible UK or PETS Scheme countries and beyond the stated period (typically 90 days abroad per year) - No liability cover outside UK, Channel Islands, Isle of Man |
| Identification & Ownership | - Loss/theft claims only payable if legal ID/microchip requirements are met - All claims arising from illegal or non-compliant pet ownership (e.g., banned breeds, unlicensed pets) |
| Claim Procedure Exclusions | - Claims not submitted within required timeframes - Lack of proof for costs/ownership/recovery, or claims for reward without official receipts - Fraud or misrepresentation on application or at claim stage |
| Legal & Liability Exclusions | - Any fines, penalties, or incidents arising through breach of animal law - Liability claims involving the policyholder, household residents, or incidents at the workplace/licensed premises - Claims from professional/commercial use |
| General Exclusions | - Illness or accident resulting from deliberate harm, neglect, war, terrorism, nuclear/radiation risk, or pollution - Costs recoverable from another source/insurer - Costs incurred while policy/cover is not active |
- Illness/injury during waiting period (3 days accident, 14 days illness)
- Vaccine-preventable diseases
- Breeding, pregnancy, or birthing costs
- Routine, non-essential, or cosmetic treatments
- Treatment of deciduous (baby) teeth if >16 weeks at policy start
- Dental treatment only if annual dental checks are up to date and medically necessary
- Costs for neutering, elective spay/castration, or routine check-ups
- Exclusion of congenital/hereditary conditions diagnosed before cover starts
- Routine wellness exams or pet health checks
- No liability cover outside UK, Channel Islands, Isle of Man
- All claims arising from illegal or non-compliant pet ownership (e.g., banned breeds, unlicensed pets)
- Lack of proof for costs/ownership/recovery, or claims for reward without official receipts
- Fraud or misrepresentation on application or at claim stage
- Liability claims involving the policyholder, household residents, or incidents at the workplace/licensed premises
- Claims from professional/commercial use
- Costs recoverable from another source/insurer
- Costs incurred while policy/cover is not active
Everypaw rates
Everypaw positions itself in a median to slightly premium segment of the UK pet insurance market, mainly thanks to its high reimbursement limits (up to £10,000/year), comprehensive lifetime cover, and valuable extras such as 24/7 vet teleconsultation and fast, fully digital claims handling.
Franchise levels are reasonable (from £60 or £110), and nearly all key benefits such as dental, complementary therapies, overseas cover, and boarding are integrated, mirroring the most complete offerings from larger legacy brands.
The fully digital user journey and absence of traditional agency overhead let Everypaw remain competitively priced for the level of guarantees, especially compared to brands with in-person service or brokers.
However, reviews highlight noticeable premium increases over time and pricing that, while not the cheapest, remains fair given the breadth of coverage and customer experience.
Overall, Everypaw is best described as a competitive mid-to-high cover insurer, offering strong value for clients seeking robust protection without reaching the most expensive elite tiers.
Here is a simple comparison table of estimated monthly premiums per formula and profile, to illustrate the cost of insuring your pet with Everypaw in the UK:
| £1,000/year | £4,000/year | £10,000/year | |
|---|---|---|---|
| Young cat (2–4 years) | £7/mo | £13/mo | £19/mo |
| Senior cat (7–8 years) | £13/mo | £21/mo | £29/mo |
| Small dog (2–4 years) | £13/mo | £20/mo | £29/mo |
| Large dog (2–4 years) | £19/mo | £29/mo | £41/mo |
| Senior dog, small (7–8 years) | £22/mo | £33/mo | £48/mo |
| Senior dog, large (7–8 years) | £30/mo | £45/mo | £64/mo |
Compare quotes from different pet insurers regularly to make sure you always get the best protection at the most competitive price for your animal’s needs.
👉 Compare pet insurance plans for freeStart saving on vet billsEverypaw promo codes
| Everypaw Promo Codes | Details |
|---|---|
| PETPERKS | Free pet hamper worth up to £30 with new policy (T&Cs apply) |
| Code HelloSafe | -5% on your quote |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance offers.
How much will I be reimbursed with Everypaw?
When you make a claim with Everypaw, your vet bill is reimbursed up to the annual cover limit you’ve chosen, minus a fixed excess – making any unexpected costs much easier to manage. The better your cover level, the less you’ll generally need to pay yourself, even in the case of costly incidents. Here are some typical reimbursement scenarios with the highest "Lifetime" cover (£10,000/year, £110 excess per condition per year):
Informations importantes
✅ Example 1: Treatment for a dog’s cruciate ligament injury (TPLO surgery)
Total vet fees: £3,200 (consultation, X-rays, TPLO surgery, post-op meds, physiotherapy)
Excess to deduct (per condition, per year): £110
Amount eligible for reimbursement: £3,200 - £110 = £3,090
👉 You would receive £3,090 back from Everypaw.
ℹ️ With a £10,000 annual benefit, the remaining cover for the year would be £6,910. The excess only applies once per condition in a policy year, so ongoing follow-ups for this injury in the same year would not require another excess.
Informations importantes
✅ Example 2: Dental treatment following accidental tooth fracture (cat)
Total vet fees: £650 (emergency consult, X-ray, dental extraction, antibiotics, post-procedure check)
Excess to deduct (per condition, per year): £110
Amount eligible for reimbursement: £650 - £110 = £540
👉 You would receive £540 back from Everypaw.
ℹ️ Routine dental care isn’t covered, but medically necessary dental treatment due to accident or illness is included—provided your pet’s yearly dental checks are up to date.
Informations importantes
✅ Example 3: Complementary physiotherapy after orthopaedic surgery (dog, prevention of future issues)
Total physiotherapy/alternative therapy fees: £1,000 (full course post-surgery: hydrotherapy, laser therapy, rehab vet review)
Excess to deduct (per condition, per year): £110 (already paid if claimed above for the same issue; if this is a new condition, excess applies)
Amount eligible for reimbursement: £1,000 - £0 (if same condition/excess already paid above) = £1,000
Or, if a new condition: £1,000 - £110 = £890
👉 You would receive between £890 and £1,000 back from Everypaw, depending on whether excess applies.
ℹ️ The policy covers up to £1,500 per year for complementary treatment on the high-tier plan; these supportive therapies are included if recommended by your vet.
Everypaw Assistance
Everypaw provides some of the most comprehensive assistance features in the UK, notably unlimited 24/7 access to qualified UK veterinary nurses and vets via phone, live chat, or video call (Petcall), which is still exceptional on the market.
The Pet Portal allows for fast, 100% digital management of claims and policies, leading to rapid reimbursement (99% of claims paid within 5 working days), and is consistently praised for ease of use, though an actual mobile application is not offered.
No advance of fees (direct-to-vet payment system) is routinely in place; customers typically pay upfront and reclaim via the portal, a noticeable absence versus some competitors.
There is no dedicated veterinary emergency triage or partnerships with preferred veterinary clinic/hospital networks, which may be limiting in critical situations.
Overseas treatment is covered for up to 90 days/year in PETS Scheme countries, but worldwide or longer-term expatriate coverage is excluded.
| Assistance Everypaw | Disponible ? | Détails |
|---|---|---|
| Advance of fees | ❌ | No direct payment to vets offered. Owner pays and claims via the Pet Portal. |
| Payment facilities | ✅ | Monthly payments possible at no extra cost. Flexible to switch between monthly/annual. |
| Mobile application | ❌ | No standalone mobile app. Digital management runs via responsive Pet Portal (web-based). |
| Digital claims management | ✅ | Claims filed and tracked online 24/7 via the Pet Portal. 99% paid in 5 working days (Feb 2024–Mar 2025 data). |
| Vet emergency service | ❌ | No direct emergency triage or crisis vet intervention. |
| Vet/clinic partner network | ❌ | No preferential or linked network; policyholders may use any licensed UK practice. |
| Overseas cover | ✅ | Vet treatment abroad up to 90 days/year in countries under the PETS Scheme. No cover for permanent expatriation. |
Customer feedback on Everypaw
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.1/5 (1,062 reviews) |
We analysed the feedback from the site listed above. Among positive points, policyholders who insured their pets with Everypaw often mention:
- The claims process is fast and straightforward: most customers highlight prompt payments, often within a few working days, and hassle-free claim submission for pet treatments.
- Clear and regular communication: claimants receive timely updates and explanations about their claims, with customer service providing guidance throughout the process.
- A user-friendly online portal: the Pet Portal makes it simple to manage policies, track benefits, and submit claims digitally, even allowing payments direct to veterinarians.
- Access to unlimited veterinary advice: insured customers value the 24/7 Petcall service, giving them immediate access to qualified UK vets and nurses by phone, live chat, or video.
- Compassionate and responsive customer care: policyholders frequently describe customer service as attentive and empathetic, with thoughtful touches like sympathy cards after a pet’s passing.
- Straightforward policy documentation: customers find that the policy terms are concise, easy to understand, and transparent, which helps avoid misunderstandings at the time of claim.
- A simple and quick signup: many reviewers appreciate how easy and intuitive it is to purchase a policy and manage it online, including multi-pet discounts.
Among negative points:
- Significant premium increases at renewal: many customers report noticeable annual policy price hikes, particularly after the first year, which can make ongoing cover less competitive.
- Lower prices for new customers compared to renewal quotes: some customers are frustrated to find that new client offers are cheaper than the prices available at renewal.
- Claims declined in certain situations: some reviewers mention that claims are denied for specific exclusions, such as pre-existing conditions or issues arising during waiting periods.
- Digital process challenges for less-tech-savvy users: a minority of policyholders struggle with online claims submission and navigating the digital portal, especially those less comfortable with technology.
- Dissatisfaction with specific exclusions: a few customers express disappointment about the refusal of claims linked to policy exclusions, particularly on dental or preventative treatment that is not covered.
How to contact Everypaw?
| Everypaw customer service | Details |
|---|---|
| To get a quote or purchase online | You can use the HelloSafe top pet insurance comparison tool, choose the plan that suits you and click to get a quote. |
| To request and track a reimbursement | - Submit your reimbursement request via the Pet Portal (online) for fast processing (99% of reimbursements paid within 5 business days). - You can also download and send a claim form (longer process). - Required documents: vet invoice(s), treatment statement, vet details, bank information for the payment. - Reimbursement is usually credited to the specified bank account. - Customer service: 0344 543 1009. |
| To obtain proof of insurance | - Log in to your Pet Portal account to download your certificate of insurance. - It can also be requested via customer service by phone: 0344 543 1009. - Postal address (for mail): Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom. |
| To contact assistance | - 24/7 access to advice from vets (Petcall) by phone, live chat or video: main customer service number 0344 543 1009. - For questions about your contract or in an emergency, use the Pet Portal or phone. - Customer service email: [email protected] (if you need to write). |
| To cancel my policy | - You can cancel at any time free of charge (the contract will end at the next already paid monthly due date). - Contact customer service by phone on 0344 543 1009 or write to [email protected]. - You can also send a letter to Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom. - No penalty, no documents required; if a claim has been made, the premium covering the period remains due. - 14-day cooling-off right after subscribing with a full refund (if no claim made). |
- You can also download and send a claim form (longer process).
- Required documents: vet invoice(s), treatment statement, vet details, bank information for the payment.
- Reimbursement is usually credited to the specified bank account.
- Customer service: 0344 543 1009.
- It can also be requested via customer service by phone: 0344 543 1009.
- Postal address (for mail): Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom.
- For questions about your contract or in an emergency, use the Pet Portal or phone.
- Customer service email: [email protected] (if you need to write).
- Contact customer service by phone on 0344 543 1009 or write to [email protected].
- You can also send a letter to Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom.
- No penalty, no documents required; if a claim has been made, the premium covering the period remains due.
- 14-day cooling-off right after subscribing with a full refund (if no claim made).
FAQ
Do I have to pay the vet upfront with Everypaw?
Everypaw does not operate a direct vet payment or ‘payvet’ system as standard. You usually pay your vet directly for treatment and then make a claim for reimbursement via the Pet Portal. In some cases and with certain vet practices, direct payment may be possible but this must be agreed in advance. The fastest and most common process is to settle the bill yourself, upload evidence using the portal, and receive reimbursement quickly.
How do I cancel my Everypaw pet insurance policy?
You can cancel your Everypaw policy at any time by calling customer service, emailing, or writing to them—no penalty applies. The cancellation takes effect at the end of your paid month, and you should provide your policy details. If cancelling within 14 days of taking the policy and no claim has been made, you’ll get a full premium refund.
What animals does Everypaw cover?
Everypaw offers insurance for cats, dogs, and rabbits, with tailored cover and options for each. There is no cover for exotic animals or pets outside these categories. Both single and multi-pet policies are available, and discounts apply when you insure multiple pets together.
Are pre-existing conditions covered?
No, Everypaw does not cover any pre-existing conditions—this includes any injury, illness or symptoms present before your policy start date or within the waiting period (3 days for accidents, 14 days for illnesses). Cover is only for new and unexpected conditions occurring after your policy is active.
How quickly are claims paid with Everypaw?
Claims are usually paid very quickly—according to Everypaw, 99% of claims are settled within 5 working days when submitted online through their Pet Portal, provided all supporting documentation is complete. The online process is the fastest, but postal claims may take longer. You can track all claim progress via your online account.
Do I have to pay the vet upfront with Everypaw?
Everypaw does not operate a direct vet payment or ‘payvet’ system as standard. You usually pay your vet directly for treatment and then make a claim for reimbursement via the Pet Portal. In some cases and with certain vet practices, direct payment may be possible but this must be agreed in advance. The fastest and most common process is to settle the bill yourself, upload evidence using the portal, and receive reimbursement quickly.
How do I cancel my Everypaw pet insurance policy?
You can cancel your Everypaw policy at any time by calling customer service, emailing, or writing to them—no penalty applies. The cancellation takes effect at the end of your paid month, and you should provide your policy details. If cancelling within 14 days of taking the policy and no claim has been made, you’ll get a full premium refund.
What animals does Everypaw cover?
Everypaw offers insurance for cats, dogs, and rabbits, with tailored cover and options for each. There is no cover for exotic animals or pets outside these categories. Both single and multi-pet policies are available, and discounts apply when you insure multiple pets together.
Are pre-existing conditions covered?
No, Everypaw does not cover any pre-existing conditions—this includes any injury, illness or symptoms present before your policy start date or within the waiting period (3 days for accidents, 14 days for illnesses). Cover is only for new and unexpected conditions occurring after your policy is active.
How quickly are claims paid with Everypaw?
Claims are usually paid very quickly—according to Everypaw, 99% of claims are settled within 5 working days when submitted online through their Pet Portal, provided all supporting documentation is complete. The online process is the fastest, but postal claims may take longer. You can track all claim progress via your online account.
