4Paws Pet Insurance

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Reviews

1. Kenneth Liu ★☆☆☆☆

   HIGHLY RECOMMEND NOT TO USE THEM I purchased a 1-year policy with 4Paws in May, paying in full specifically to earn Avios points. Three months later, they falsely claimed I hadn’t clicked the bonus grant correctly - la ridiculous assertion since it’s literally a single button! When I followed up in October, their response was threatening: they said they would cancel my entire policy if they didn’t hear from me within two days. I replied promptly, restating the issue, and three days later they cancelled my full year of insurance without any further communication. This is completely unacceptable customer service. A company that handles claims and loyalty bonuses this poorly cannot be trusted. I would strongly advise looking elsewhere.

   almost 3 months ago
2. Ashley Abbey ★☆☆☆☆

   Unfortunately after many years with 4Paws I have been left disappointed with their services. We were happy to pay well over the odds for their cover as it was deemed to be full life and more comprehensive than most others. But in reality they are like most other insurance companies and are looking to decline your claim even when it is clear that you should be covered. Our case is simple. Our dog needed some emergency dental care (which was covered on our insurance) due to a new gum issue (periodontal disease). They refused to pay out due to a comment made by our vets prior to our insurance. This claim was simply that our dogs teeth were well and that they had a small amount of plaque on them. Simply not good enough. The moment we found out that there was an actual health issue we acted on it fully expecting to be covered. And to be met with such a poor excuse for not paying out is simply not good enough. Stay away unless you do not get regular vet check ups as they will use the good care you take of your animals against you.

   almost 5 months ago
3. Joan Airey ★☆☆☆☆

   I chose 4Paws as they had better dental cover than my existing insurer, the premium was reasonable and they had good reviews. It took me two days to peruse their Ts & Cs. I therefore paid the annual premium in full though there was no financial incentive. However, since my experience, there appears to be a downturn in their reputation. As far as my own pet is concerned, the facts as I see them are as follows: My cat started overgrooming and I had to take him to the vet a few times. After consideration I put in a claim. However, I was rather alarmed when it was turned down due to a precondition. In taking this decision, 4Paws tried to link this to a spot he had had on his bottom lip and both conditions were said to be allergy related. I challenged the decision but to no avail. There then followed lengthy correspondence, carefully orchestrated by those who were well trained. They were clearly very confident and remained polite throughout. This intellectual exercise took about three months, including my attempt to get the decision overturned. They confirmed: '...that all the information was reviewed by senior assessors and passed to the underwriter, Covea, for further assessment.' In their defence and with reference to the spot on the lip and the overgrooming, oddly enough they concluded: '...until there is a definitive diagnosis to confirm that they are NOT related (my emphasis) we are unable to overturn the decision.' It was also unclear who I was dealing with since I got communications from a Jigsaw Insurance. On enquiring I found: '... 4Paws is a trading style of NCI Insurance Services Ltd which is an appointed representative of Jigsaw Insurance Services Ltd. Your insurance policy is underwritten by Covea Insurance, part of the Covea Group'. At one point I also got communications from a Thistle Insurance as well. They partly upheld my complaint agreeing they had not been as clear as they could, particularly in relation to correspondence with my vet. They said: 'Please let me assure you that we will do our utmost to do better in the future.' They clearly expected me to renew my policy but there was no suggestion of any compensation, only the statutory invitation to report the matter to the Ombudsman. I decided against it as they are bound to take months to reach a verdict which would no doubt find in favour of the large company. Any compensation, if any, would no doubt be minimal. At only three and a half, my little boy has been left virtually uninsurable thanks to 4Paws. At the time of writing I can only insure him for Accidents and have done so elsewhere. 4Paws does not even give advice to rejected claimants, no doubt because there is no profit in it. If you want to avoid feeling stitched up, my advice is to steer well clear of 4Paws and all their accoutrements.

   almost 6 months ago

1. David M ★☆☆☆☆

   In all the years we've had our dog insured by this company we've only claimed twice and each time they have tried it on with us. The first time our dog had a lump removed and they refused to pay point blank. I spoke with the specialist and he wrote a letter saying that they should pay and that their excuses were without merit and they then paid up. Obviously their default position is not to pay and hope the customer doesn't challenge it! Make sure you do. The most recent experience our dog had an eye removal procedure due to a mass under the eye being detected and they tried to wriggle out of paying again saying that a little wart on his eyelid that he'd had for years was the cause. Once again the specialist wrote to them to tell them it was nothing to do with the mass and at first they ignored him,I then threatened to take them to the ombudsman and they relented. My specialist told me that he has never known an insurance company to ignore his guidance and the receptionist said that they were the worst company they had ever dealt with. They then tried to claim that my dog had been aggressive years ago when having a seed removed from his ear so they wouldn't insure me if he was aggressive with the surgeon and he wouldn't be covered in the street. Just before I claimed I'd had a renewal for roughly the same as I was paying,£178pm, which draws gasps from those I tell. They then hiked my premium to over £300pm! We now put away money instead rather than pay these crooks. What really gets me is that I diligently paid over the odds for years for peace of mind should anything happen. My wife and I had the most terrible time, not only worrying about our dog but whether 4paws would pay. So absolutely no peace of mind, only extra worry! Please take my advice and don't use this company but if you insure with them fight them all the way when they inevitably try to avoid paying out.

   almost 6 months ago
2. Imogen Rumsby ★★★★★

   Can’t complain at all. Have made 2 claims in the past year, both sizeable. We’ve just had our renewal through and the increase is totally reasonable considering the above. Service always easy and quick with claims. Staff are really nice over the phone too and always helpful. Highly recommend.

   almost 7 months ago
3. Lottie Baldwin ★☆☆☆☆

   Sadly, do NOT recommend at all. They, like many insurance providers, will find any excuse not to pay - for the sake of your pet, don't waste your money with this company. I've now cancelled my policy with them, I may as well have flushed £200 down the drain for all the use they've been.

   almost 3 years ago

1. fran Goddard ★☆☆☆☆

   Would not recommend - avoid at all costs. Paid every month as per the policy but when we unfortunately had to make a claim with them they where unhelpful and refused to payout. Not only where they rude and unhelpful but in the initial stages of the claim we had to duplicate the forms and responses from us and the Vet. Please do not use these guys!

   almost 3 years ago
2. Libby Whitehead ★☆☆☆☆

   Buyer beware. As a pet lover, I love my fur baby and have always had her insured. I put my trust in 4paws and trusted should I need to use the insurance i have paid for each month would be worth having. Sadly this was not the case. 4paws did not pay out. Not only did they not pay out the process has taken 5 months. Don't make the same mistake I did. Beware. Insurance does not mean they will pay out. If they can get ouy of paying, they will.

   almost 3 years ago
3. Lisa T ★☆☆☆☆

   Wouldn’t recommend them at all. Taken over a month to pay my claim out and now being told at least another 10 working days. Quick enough to take your money. I won’t be renewing In November

   almost 3 years ago

1. Mel ★★★★★

   Just spoke with Dan regarding me renewal price. Was a bit too high so managed to get me on a slightly reduced premium however still a great cover for a much cheaper price. Thank you for your help today.

   almost 3 years ago

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