Is Onlypaws Pet Insurance Worth It? Review 2025
Our Expert's Opinion on Onlypaws
Onlypaws positions itself as a modern player in the UK pet insurance market with a flexible and highly customisable lifetime (restoration) policy. The noteworthy feature is the choice of annual per-condition limits, ranging from £1,000 to £5,000 per year, with no cap on the number of conditions claimed for annually, which offers a genuine advantage over many competitors with single annual aggregate limits. Reimbursement rates are at cost, subject to these caps and an annual per-condition excess: £99 for pets under 8, increasing to £200 from age 8. Optional 'boosters' allow cover expansion for dental, complementary care, travel, and emergency boarding, catering to a wide spectrum of needs and budgets. Pricing sits at a mid-market level, generally below traditional banks or legacy insurers but above bare-bones cover. Onlypaws is especially well-suited to younger, healthy cats and dogs, including pedigree breeds, whose owners want flexible annual veterinary limits and peace of mind on large claims, but can also be adapted for senior animals given the continued eligibility after age 8, albeit with higher excesses. The insurance is underwritten by CGICE (Casualty & General Insurance Company Europe Ltd), a solid Gibraltar-regulated insurer, though detailed premium or claims volume figures are undisclosed. Onlypaws demonstrates reliable claims management, offering an online portal and typical processing times of 10–20 working days for reimbursements. On Trustpilot, Onlypaws maintains a strong 4.5/5 rating based on over 170 reviews, highlighting customer satisfaction especially for digital ease, clarity, and transparency.
- Lifetime cover with annual per-condition reinstatement
- Flexible annual limits (£1,000 to £5,000 per condition)
- Comprehensive booster options (dental, wellness, travel, emergency)
- Excess remains reasonable (£99/£200 depending on age)
- No aggregate annual cap—multiple claims allowed
- Monthly payments at no extra cost
- Strong Trustpilot rating (4.5/5, 170+ reviews)
- Numerous exclusions (preventive, elective, pre-existing conditions)
- Higher excess (£200) for pets aged 8+
- No reimbursement for routine care without add-ons
- Strict documentation requirements at each claim
- Dental cover excluded unless extra booster taken
- Onlypaws Warranties
- Exclusions from Onlypaws
- Onlypaws prices
- Onlypaws Support
- Customer feedback on Onlypaws
- How to contact Onlypaws?
- FAQ
Why trust HelloSafe?
At HelloSafe, our team of pet insurance experts reviews the terms and pricing of 34 leading insurance policies on the UK market each year, providing you with accurate and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the UK rely on us every month to support them in making their most important financial decisions. undefined
Onlypaws Warranties
Onlypaws distinguishes itself with a "lifetime reinstatement" policy—annual benefit caps can be tailored per condition and reset every year, with unlimited number of conditions covered. Reimbursement rate is up to 100% (subject to deductibles: £99/year/condition under age 8, £200 from age 8), but notably, all preventive care (vaccination, routine, sterilisation, dental except accident) and take-home meds require paid boosters. The main strengths are flexible limits, comprehensive optional add-ons (dental, holistic, travel, emergency), high liability cap (£2m for dogs), and eligibility for both cats and dogs. However, stringent exclusions (pre-existing/within waiting period, routine/preventive care, certain breeds, professional-use animals) and the need for rigorous admin (proofs and timely declarations) are important limitations. Onlypaws does not cover routine prevention, neutering, or non-veterinary behaviour therapies unless the respective booster is selected.
| Name of Guarantee | Core Cover (Base Policy) | Health Booster (Optional) | Dental Booster (Optional) | Emergency Booster (Optional) | Travel Booster (Optional) |
|---|---|---|---|---|---|
| Positioning of the plan | Lifetime reinstatement, annual cap/condition reset | Complementary, preventive, at-home meds | Dental care for disease | Emergency pet care during owner hospitalisation | Foreign cover, urgent vet, holiday annulation |
| Type of coverage | Accident & illness | Complementary, at-home, behavioural | Dental disease (non-accident) | Boarding & professional dog walker support | Emergency vet abroad, holiday cancellation |
| Covered animals | Domestic cats & dogs (non-working, non-pro) | Domestic cats & dogs | Domestic cats & dogs | Domestic cats & dogs | Domestic cats & dogs |
| Reimbursement rate (%) | Up to 100% of actual vet fee | Up to 100% | Up to 100% | Up to 100% | Up to 100% |
| Annual reimbursement limit | £1,000–£5,000 per condition, no #limit | £500 overall shared | £1,000 overall | £1,000 overall | £1,000 overall |
| Annual/per-claim excess | £99/year/condition ( | £99/year/condition | £99/year/condition | No excess | £99/event |
| Min/max pet age (cats) | 4 weeks minimum, no stated max for renewal | 4 weeks minimum, no extra | 4 weeks minimum, no extra | 4 weeks minimum | 4 weeks minimum |
| Min/max pet age (dogs) | 4 weeks minimum, no stated max for renewal | 4 weeks minimum, no extra | 4 weeks minimum, no extra | 4 weeks minimum | 4 weeks minimum |
| Health questionnaire required? | No medical questionnaire at join | No questionnaire | No questionnaire | No questionnaire | No questionnaire |
| Waiting period for illness | 14 days | 14 days | 14 days | 14 days | 14 days |
| Waiting period for accident | 5 days | 5 days | 5 days | 5 days | 5 days |
| Lifetime cover if insured? | Yes, policy can always be renewed | Yes, as add-on only | Yes, as add-on only | Yes, as add-on only | Yes, as add-on only |
| Average claims settlement time | Not specified (typically 10–30 days) | As base policy | As base policy | As base policy | As base policy |
| Vet consultations (general, emergency...) | Covered up to chosen annual limit | Not covered | Not covered | Not covered | Emergency vet care abroad covered |
| Medications | In-clinic meds covered | At-home meds covered | Not covered | Not covered | Emergency abroad if related |
| Hospitalisation | Covered up to annual limit | Not covered | Not covered | Not covered (but boarding covered) | If urgent abroad |
| Ambulance fees | Covered within vet fees | Not covered | Not covered | Not covered | Not covered |
| Surgery, anaesthesia | Covered up to annual limit | Not covered | Not covered | Not covered | If urgent abroad |
| Scans, MRI, ultrasounds | Covered up to annual limit | Not covered | Not covered | Not covered | If urgent abroad |
| Laboratory tests | Covered up to annual limit | Not covered | Not covered | Not covered | If urgent abroad |
| Radiotherapy | Covered (excluding stem cell/complex) | Not covered | Not covered | Not covered | Not covered |
| Dental care | Only accidental dental | Not covered | Routine dental illness up to £1,000 | Not covered | Not covered |
| Descaling (routine cleaning) | Not covered | Not covered | Covered (annual max, needs pre-check) | Not covered | Not covered |
| Vaccines (mandatory or other) | Not covered (required for eligibility) | Not covered | Not covered | Not covered | Not covered |
| Anti-parasite, worming treatments | Not covered (required for eligibility) | Not covered | Not covered | Not covered | Not covered |
| Sterilisation/neutering | Not covered | Not covered | Not covered | Not covered | Not covered |
| Identification/microchipping costs | Not covered | Not covered | Not covered | Not covered | Not covered |
| Hygiene products | Not covered | Not covered | Not covered | Not covered | Not covered |
| Alternative therapies (osteopathy, acup. ...) | Not covered | Covered, with vet recommendation | Not covered | Not covered | Not covered |
| Countries covered/travel | UK only | UK only | UK only | UK only | EEA/PETS accepted countries (4 trips/yr) |
| Death / cremation | Death covered as % purchase price up to £1,000 | Not covered | Not covered | Not covered | Not covered |
| Euthanasia | Only if medically necessary for covered condition | Not covered | Not covered | Not covered | Not covered |
| Theft or loss of animal | % of purchase price up to £1,000 | Not covered | Not covered | Not covered | Not covered |
| Boarding fees | Not covered | Not covered | Not covered | Boarding/kennel/cattery if owner >4d hospitalised | Not covered |
| Advertising, reward | Up to £200 per claim | Not covered | Not covered | Not covered | Not covered |
| Civil liability (dogs only) | Up to £2,000,000 per event, £250 excess (dogs) | Not covered | Not covered | Not covered | Not covered |
| Behavioural therapy | Not covered | Covered with vet/approved therapist, up to 6 months from diagnosis | Not covered | Not covered | Not covered |
- Exclusions apply to all plans: pre-existing, waiting period, preventive/routine, certain breeds, pro-use animals, certain behaviours/disorders, see policy for full list
- Vaccinations and antiparasitic treatments are eligibility conditions, not covered benefits
- Dental booster requires proof of annual dental check within 12 months
Exclusions from Onlypaws
Among the exclusions of the Only Paws contract, the bilateral conditions rule stands out: a pathology affecting paired organs (e.g., both eyes or both hips) is strictly treated as a single claim against the annual limit, which is less favorable than most competitors that dissociate the two.
Exclusions extend to any condition with symptoms, diagnosis, or evidence noted less than 24 months before underwriting, effectively limiting cover for pre-existing or latent issues.
Treatment outside the clinic—such as take-home medication—is strictly excluded, unless the optional Health Booster is chosen, whereas many rivals include basic post-consultation treatments.
For liability, dogs with known prior aggression, incidents abroad, or belonging to banned breeds are categorically excluded regardless of circumstances, and any legal or voluntary act, including abandonment or negligence, nullifies all guarantees.
Finally, deaths from illness in animals aged 8 or above are not covered—this sharp age cut-off is a notable difference, as many other insurers retain at least partial compensation after this threshold.
| Exclusions | Détails |
|---|---|
| Medical exclusions | - Pre-existing conditions or symptoms/diagnoses/signs within 24 months pre-souscription - Conditions during waiting period (14d illness/5d accident) - Bilateral conditions treated as one claim - Procreation/gestation/birth expenses - Stérilisation/castration, vaccination, prophylaxis, and routine care - Oral/dental treatment except accident or Dental Booster (excluding root/canal procedures) - Out-of-clinic medication without Health Booster - Heavy treatments (prosthesis, stem-cell therapy, transplants) - Weight-related disorders (except proven disease) - Sexually transmissible diseases (specific list), Aujeszky, leishmaniasis, rabies |
| Identification/eligibility exclusions | - Non-microchipped dogs - Animals under 4 weeks old - Banned breeds (e.g., Dangerous Dogs Act, Asian Leopard Cat crossbreeds) - Animals for breeding, work, hunting or business - Owner not UK-resident - Animal not living at the policyholder’s address |
| Behavioral/external factors | - Known prior aggression (for liability and general cover) - Incidents abroad (liability scope) - Illegal/professional activities - Any act of voluntary fraud or simulation |
| Administrative exclusions | - Claims submitted after deadlines (generally 90 days) - Lack of required documents (proof of purchase, medical history, vet’s documents, etc.) - Failure to notify changes (address, status, owner, use, animal’s health) |
| Death & loss/RC exclusions | - Death from illness if the animal is 8+ years - Non-accidental deaths due to voluntary, behavioral, legal acts or negligence - Disappearance/voluntary loss - Theft without breaking and entering or if <45 days absent - Claims made >90 days after loss - RC claims involving household/family/friends, or not demonstrating legal liability - Non-UK events (for RC) or lack of compliance with travel pet scheme (PETS) |
| Geographical exclusions | - Vets’ fees or incidents outside the EEA/PETS scheme (for Travel Booster) - Travel under 4 days or planned <28 days before departure - Exclusion of liability for incidents occurring abroad |
- Conditions during waiting period (14d illness/5d accident)
- Bilateral conditions treated as one claim
- Procreation/gestation/birth expenses
- Stérilisation/castration, vaccination, prophylaxis, and routine care
- Oral/dental treatment except accident or Dental Booster (excluding root/canal procedures)
- Out-of-clinic medication without Health Booster
- Heavy treatments (prosthesis, stem-cell therapy, transplants)
- Weight-related disorders (except proven disease)
- Sexually transmissible diseases (specific list), Aujeszky, leishmaniasis, rabies
- Animals under 4 weeks old
- Banned breeds (e.g., Dangerous Dogs Act, Asian Leopard Cat crossbreeds)
- Animals for breeding, work, hunting or business
- Owner not UK-resident
- Animal not living at the policyholder’s address
- Incidents abroad (liability scope)
- Illegal/professional activities
- Any act of voluntary fraud or simulation
- Lack of required documents (proof of purchase, medical history, vet’s documents, etc.)
- Failure to notify changes (address, status, owner, use, animal’s health)
- Non-accidental deaths due to voluntary, behavioral, legal acts or negligence
- Disappearance/voluntary loss
- Theft without breaking and entering or if <45 days absent
- Claims made >90 days after loss
- RC claims involving household/family/friends, or not demonstrating legal liability
- Non-UK events (for RC) or lack of compliance with travel pet scheme (PETS)
- Travel under 4 days or planned <28 days before departure
- Exclusion of liability for incidents occurring abroad
Onlypaws prices
Onlypaws offers a digitalized model that significantly streamlines administrative costs compared to traditional insurers, resulting in competitive premiums for Core Cover segments, especially for young pets and owners with smaller budgets.
Reimbursement limits are flexible (up to £5,000/year/condition) but feature a per-condition deductible (£99 to £200 depending on age) and multiple paid options, allowing you to adjust the level of protection without unnecessary overspending when needs are standard.
As a trade-off, certain structural exclusions and the restriction of preventive or dental coverage to paid options make the base plan more economical but less comprehensive than premium offers that cover these areas without extra cost.
Overall, Onlypaws' positioning is economical to mid-range, with guarantees tailored to an 'à la carte' approach—emphasizing accessibility without extras, but exposing you to out-of-pocket costs for specific types of care.
The model will appeal to owners looking for flexible, affordable, and 100% online-managed coverage, without automatically including the most expensive items often found among high-end competitors.
| Core Cover £1,000 | Core Cover £3,000 | Core Cover £5,000 | Core+Health Booster | Core+Dental Booster | Core+All Options | |
|---|---|---|---|---|---|---|
| Young cat (2-4 years) | £8/mo | £13/mo | £18/mo | £16/mo | £17/mo | £22/mo |
| Senior cat (7-8 years) | £13/mo | £21/mo | £27/mo | £25/mo | £26/mo | £33/mo |
| Small breed dog (2-4 years) | £10/mo | £15/mo | £21/mo | £18/mo | £19/mo | £26/mo |
| Small breed dog (7-8 years) | £18/mo | £29/mo | £36/mo | £31/mo | £32/mo | £40/mo |
| Large breed dog (2-4 years) | £13/mo | £21/mo | £27/mo | £23/mo | £24/mo | £32/mo |
| Senior dog (7-8 years) | £25/mo | £39/mo | £47/mo | £42/mo | £43/mo | £54/mo |
Onlypaws promo codes
| Onlypaws Promo Codes | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: Promo codes are subject to change. For the latest promo codes, visit our pet insurance comparison.
How much will I be reimbursed with Onlypaws?
| Treatment | Average Price (GBP) | With Onlypaws Premium (Vet Fee Cover + Options) |
|---|---|---|
| Sterilisation / Castration | £220 | Not covered (act of convenience/excluded) Reste à charge : £220 |
| Vaccines (annual boosters) | £65 | Not covered (prevention/excluded) Reste à charge : £65 |
| Consultation for Illness | £80 | Reimbursed £0 Reste à charge : £80 (within franchise £99/condition) |
| Emergency Surgery (Foreign Object) | £1,400 | Reimbursed £1,301 Reste à charge : £99 (franchise) |
| Dental Cleaning (Nonsurgical, with booster) | £350 | Reimbursed £251 Reste à charge : £99 (franchise) Requires Dental Booster |
Reste à charge : £220
Reste à charge : £65
Reste à charge : £80 (within franchise £99/condition)
Reste à charge : £99 (franchise)
Reste à charge : £99 (franchise)
Requires Dental Booster
Onlypaws Support
Onlypaws assistance does not currently offer any upfront payment service (like Payvet), so insured clients must always advance the money before getting reimbursed after the claim is processed.
However, interest-free monthly payment is a useful feature for managing your pet's budget, especially as the reimbursement management is 100% paperless via an online portal. Still, there is no dedicated mobile application at this time.
It also lacks vet teleconsultation, an emergency hotline, or a network of partner clinics—support services often offered elsewhere to reassure owners in case of a critical issue.
Coverage abroad is limited to a paid option (Travel Booster), which can be enabled for trips up to 45 days per trip in the EEA/PETS, but does not include logistical help like a multilingual hotline or direct organization of care.
Claims must be filed exclusively through the client web portal, including uploading documents, which can be restrictive for people less comfortable with digital tools.
| Onlypaws assistance | Available? | Details |
|---|---|---|
| Upfront payment | ❌ | No upfront payment service: the policyholder pays the clinic and is then reimbursed after the claim is filed on the online portal. |
| Payment facilities | ✅ | Interest-free monthly payment available via direct debit. Annual, renewable contract. |
| Mobile app | ❌ | No dedicated mobile app. All management via the Onlypaws web portal. No UX or usability grade. |
| Paperless claim & reimbursements | ✅ | 100% digital reimbursement managed from the client dashboard (invoice upload, claims submission, tracking). No paperwork. |
| Vet emergency | ❌ | No emergency assistance or 24/7 vet tele-assistance. No support in case of unforeseen issues. |
| Clinic & vet network | ❌ | No preferred network or discounted rates. Free veterinarian choice but no offer via a partner network. |
| Abroad coverage | ✅ | Available only with the Travel Booster add-on. Covers vet emergencies in the EEA/PETS (max 45 days/trip, 4 trips/year) under strict conditions. No logistical assistance included. |
Customer feedback on Onlypaws
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.6 / 5 (over 1,800 reviews) |
| Feefo | 4.7 / 5 (approx. 1,250 reviews) |
| Google Reviews | 4.4 / 5 (about 220 reviews) |
We have analysed the reviews from the sites listed above. On the positive side, policyholders who have taken out a contract with Onlypaws for their pet frequently praise the responsive and professional customer service, noting the helpfulness and courtesy of advisors during claims or enquiries. The clarity and simplicity of the online account are highlighted, with many finding the digital claims process straightforward and the overall website easy to navigate. A flexible policy structure with customisable annual veterinary care limits and optional add-ons is regularly appreciated, as it allows owners to tailor coverage to their needs and budgets. Fast turnaround times for claim reimbursements are frequently mentioned, as is the transparency of pricing and exclusions presented upfront at the time of subscription.
On the negative side, a significant number of customers mention the strictness and breadth of exclusions, particularly the non-coverage of pre-existing conditions, preventive care, or certain routine procedures, which can limit claim eligibility. Some also point out that required documentation for claims can be extensive (including full medical history and original invoices), which adds complexity and can slow down the process when additional information is requested. Several policyholders express disappointment when encountering claim rejections, especially for conditions considered pre-existing or for nuances in the policy wording that were not immediately obvious. There are also reports of noticeable premium increases at renewal, particularly as pets age, which can make long-term costs unpredictable.
How to contact Onlypaws?
| Customer service Onlypaws | Details |
|---|---|
| To get a quote or subscribe online | To subscribe, use our animal insurance comparison tool, select the Onlypaws offer you are interested in and request a quote. For any questions before subscribing, contact [email protected] |
| To request and track a reimbursement | Log in to the Onlypaws client portal to declare your claim within 90 days following the treatment or accident. - Attach invoices, full medical history, and any supporting documents requested by the insurance. - A digital form must be completed. - For civil liability, make the declaration immediately. - The reimbursement is made by bank transfer to your account (initial payment method provided), average processing time observed: 7 to 20 business days. For any questions, contact [email protected] |
| To obtain a proof of insurance | Request it by email at [email protected] by specifying your customer references and the reason for the request. The proof will be sent to you by email within a few business days. You can also view and download your documents from your Onlypaws client area. |
| To contact support | If you have any questions, contact customer service: - By email: [email protected] - Via the website: https://www.onlypawspetinsurance.co.uk No telephone hotline is provided. For any veterinary emergency during a trip, also contact Onlypaws by email as soon as possible to file a declaration. |
| To cancel my contract | Send a written cancellation request to [email protected] or by mail to: Only Paws – Trusted Insurance Services Ltd, 18th Floor, 100 Bishopsgate, London, EC2N 4AG, UK. - Include your customer references and the desired contract end date. - Attach any useful supporting document (depending on the reason, e.g.: animal’s death, transfer, move, death of the policyholder). - Notice period: • 14 days withdrawal after subscription (full refund if no claim) • After 14 days, cancellation possible at any time with pro-rata refund of paid premiums (except in case of claim). - Cancellation takes effect upon receipt and validation of the file by Only Paws. A confirmation email will be sent to you. For any questions: [email protected] |
For any questions before subscribing, contact [email protected]
- Attach invoices, full medical history, and any supporting documents requested by the insurance.
- A digital form must be completed.
- For civil liability, make the declaration immediately.
- The reimbursement is made by bank transfer to your account (initial payment method provided), average processing time observed: 7 to 20 business days.
For any questions, contact [email protected]
The proof will be sent to you by email within a few business days.
You can also view and download your documents from your Onlypaws client area.
- By email: [email protected]
- Via the website: https://www.onlypawspetinsurance.co.uk
No telephone hotline is provided. For any veterinary emergency during a trip, also contact Onlypaws by email as soon as possible to file a declaration.
Only Paws – Trusted Insurance Services Ltd, 18th Floor, 100 Bishopsgate, London, EC2N 4AG, UK.
- Include your customer references and the desired contract end date.
- Attach any useful supporting document (depending on the reason, e.g.: animal’s death, transfer, move, death of the policyholder).
- Notice period:
• 14 days withdrawal after subscription (full refund if no claim)
• After 14 days, cancellation possible at any time with pro-rata refund of paid premiums (except in case of claim).
- Cancellation takes effect upon receipt and validation of the file by Only Paws. A confirmation email will be sent to you.
For any questions: [email protected]
FAQ
Do I need to pay upfront at the vet with Onlypaws?
With Onlypaws, you will need to pay your vet bills upfront at the time of treatment. Currently, Onlypaws does not offer a direct payment system (such as Payvet) or a third-party billing service. After treatment, you can submit your expenses online through the policyholder portal to request reimbursement up to your annual cover limit and minus any applicable excess.
How do I cancel my Onlypaws pet insurance policy?
To cancel your Onlypaws pet insurance, send a written request by email to [email protected]. If you cancel within 14 days of starting your policy, you will get a full refund if no claims have been made. After 14 days, cancellation is possible at any time with pro-rata reimbursement (if no claim), and you should attach your policy details and proof of ID.
Which pets and owners are eligible for Onlypaws insurance?
Onlypaws insures cats and dogs that are at least 4 weeks old and living with their owners in the UK. The animals must not be used for breeding, working, hunting, or any professional activity, and certain banned breeds and wild crosses are not eligible. Owners and pets must reside permanently at the same UK address.
What costs are covered and what exclusions should I be aware of?
Onlypaws covers veterinary treatment for new accidents and illnesses up to your chosen per-condition annual limit, including in-clinic medications. However, any pre-existing or recent conditions, routine care, vaccinations, preventive treatments, breeding, and elective procedures are excluded. There are waiting periods of 14 days for illness and 5 days for accident cover to begin.
Are there options for additional coverage or discounts with Onlypaws?
Yes, Onlypaws offers optional add-ons such as dental, complementary care, emergency boarding, and overseas cover. Discounts are available if your pet’s body condition is certified as 'ideal' by a vet. Add-ons and discounts are subject to terms, limits, and may require proof such as medical records or vet forms.
Do I need to pay upfront at the vet with Onlypaws?
With Onlypaws, you will need to pay your vet bills upfront at the time of treatment. Currently, Onlypaws does not offer a direct payment system (such as Payvet) or a third-party billing service. After treatment, you can submit your expenses online through the policyholder portal to request reimbursement up to your annual cover limit and minus any applicable excess.
How do I cancel my Onlypaws pet insurance policy?
To cancel your Onlypaws pet insurance, send a written request by email to [email protected]. If you cancel within 14 days of starting your policy, you will get a full refund if no claims have been made. After 14 days, cancellation is possible at any time with pro-rata reimbursement (if no claim), and you should attach your policy details and proof of ID.
Which pets and owners are eligible for Onlypaws insurance?
Onlypaws insures cats and dogs that are at least 4 weeks old and living with their owners in the UK. The animals must not be used for breeding, working, hunting, or any professional activity, and certain banned breeds and wild crosses are not eligible. Owners and pets must reside permanently at the same UK address.
What costs are covered and what exclusions should I be aware of?
Onlypaws covers veterinary treatment for new accidents and illnesses up to your chosen per-condition annual limit, including in-clinic medications. However, any pre-existing or recent conditions, routine care, vaccinations, preventive treatments, breeding, and elective procedures are excluded. There are waiting periods of 14 days for illness and 5 days for accident cover to begin.
Are there options for additional coverage or discounts with Onlypaws?
Yes, Onlypaws offers optional add-ons such as dental, complementary care, emergency boarding, and overseas cover. Discounts are available if your pet’s body condition is certified as 'ideal' by a vet. Add-ons and discounts are subject to terms, limits, and may require proof such as medical records or vet forms.
