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Who are 4 Paws?
4 Paws is a pet insurance provider which offers pet cover for dogs, cats and rabbits. 4 Paws is a brand name of NCI Insurance Services Ltd. NCI is an appointed representative of Jigsaw Insurance Services Ltd which is authorised and regulated by the Financial Conduct Authority.
4 Paws’ call centre is open seven days a week with an aim to settling all claims within five days.
With different levels of cover available to suit different budgets, all 4 Paws policies are underwritten by Covéa Insurance Ltd. All policies include free vet video calls with FirstVet.
Why should I consider 4 Paws?
4 Paws offers pet insurance for dogs, cats and rabbits.
For dogs, it offers time limited, maximum benefit, lifetime and lifetime contribution cover policies.
For cats, it offers time limited, maximum benefit, and lifetime policies; and for rabbits it offers lifetime insurance.
4 Paws lifetime policies cover your pet for its whole life providing you continue to renew the policy each year.
4 Paws’ dog policies all cover vets’ fees up £12,000 depending on the policy, plus medical treatment and third party liability cover. Maximum benefit, lifetime and lifetime contribution policies all cover a lot more.
Vets’ fees for cats are covered up to £12,000 a year depending on the policy. Rabbits are covered up to £2,000 a year for vets’ fees, plus £750 for complementary treatments.
How to contact 4 Paws
You can contact 4 Paws for customer care, sales and renewals from 9am to 6pm Monday to Friday, and from 9am to 1pm on Saturday.
If you need to make a claim, you can call 4 Paws from 8am to 6pm Monday to Friday, and from 9am to 1pm on Saturday.
Alternatively, 4 Paws can be contacted by an online enquiry form. Full contact details can be found at the 4 Paws website.
4 Paws can also be found on Facebook and Twitter.
Find the best cover for you
Getting affordable pet insurance is important, but there are also a number of other factors you will need to consider. Choosing the cheapest policy you find won’t necessarily mean it offers the best protection and could put your pet at risk of being underinsured.
When it comes to pet insurance, ‘lifetime’ pet insurance is the most comprehensive cover option, and therefore the most expensive. It gives you a maximum claim limit, per condition, per year, per pet. If you renew the policy every 12 months, the cover resets.
Every pet insurance policy provides different levels of cover for the most common types of claim, so it’s important to make this part of your comparison.
The most important part of a pet insurance policy is cover for vets’ fees. 4 Paws covers up to £12,000 a year in vets’ fees for dogs and cats, and £2,000 for rabbits.
Pre-existing conditions are not covered on pet insurance policies. But if you take a lifetime policy out when your pets are young, before they have been diagnosed with any medical conditions, you’ll be covered for any ongoing conditions if you keep renewing the policy each year. However, these conditions won’t be covered if you change provider.
Compare pet policies and providers
Pet insurance isn’t compulsory, but it can save you money in the long run if you own dog, cat or rabbit. Without cover, vets’ fees can be expensive for both routine and emergency treatment.
Pet insurance is a competitive market, with insurers trying to outbid each other on price and cover in a bid to win your business. You can use this to your advantage by shopping around for the best deal.
If you have more than one pet, you may be able to save money by opting for a multi pet insurance policy.
As part of your comparison, it is also a good idea to look for customer reviews on sites such as TrustPilot to see how existing policyholders rate their cover and customer service. Defaqto also gives star ratings to pet insurance providers which can be a good indication of the service they offer.
