Everypaw Pet Insurance: Full 2025 Review

Choosing the right pet insurance can make a big difference in your furry companion’s health and your peace of mind. Everypaw Pet Insurance is a UK-based provider offering a range of coverage options tailored for cats, dogs, and rabbits. In this 2025 review, we take an in-depth look at Everypaw’s policy features, coverage limits, exclusions, digital tools like the pet portal, and customer satisfaction.

 

History of Everypaw Pet Insurance

Everypaw Pet Insurance was launched in the UK as a background image of the Cardif Pinnacle group, a subsidiary of global financial services giant BNP Paribas. Since its inception, Everypaw has positioned itself as a modern, customer-focused insurer committed to simplifying pet health insurance coverage. 

 

The brand was created to address the growing demand for flexible and accessible pet insurance solutions, offering digital-first services including online claims and policy management through the Everypaw Pet Portal. Over the years, Everypaw has expanded its offerings to include lifetime and time-limited policies, multi-pet discounts, and added-value features like 24/7 vet access and preventative care guidance. 

 

Its focus on transparency, ease of use, and comprehensive coverage has earned it recognition in the UK pet insurance market, along with positive ratings on platforms like Feefo and Trustpilot.

 

Everypaw Pet Insurance Coverage

Everypaw offers a variety of pet insurance options designed to suit different needs and budgets. Below is a breakdown of the key areas their pet insurance cover:

 

 

Lifetime Cover

Everypaw's most comprehensive plan, lifetime cover ensures your pet is protected for ongoing illnesses or injuries year after year, as long as the policy is renewed without a break. You can typically choose from annual vet fee limits of £1,000, £2,000, £4,000, or up to £10,000.

 

 

Time-Limited Cover

This option provides coverage for each new condition for up to 12 months from the start of treatment. It's ideal for pet owners looking for affordable, short-term protection for unexpected illnesses or injuries.

 

 

Accident-Only Cover

Designed for basic protection, this plan covers vet fees related to accidents only, not illnesses. It's a budget-friendly choice for owners who want essential cover for emergencies.

 

 

Vet Fee Cover

Most policies include vet fee cover up to your selected limit. This helps manage the cost of diagnostics, treatment, surgery, and follow-up visits.

 

 

Complementary Treatments

Everypaw may also cover alternative therapies like physiotherapy, hydrotherapy, and acupuncture when recommended by a vet, depending on the policy type.

 

 

Dental Cover

Some plans include dental treatment due to accidents or illness, as long as your pet has regular dental check-ups. Preventative dental care is generally excluded.

 

 

Third Party Liability

For dog owners, third party liability is available with selected plans, covering legal costs and damages if your dog causes injury or property damage.

 

 

Additional Benefits

Policies may also offer coverage for lost or stolen pets, advertising and reward costs, death from illness or injury, boarding fees if you're hospitalized, and overseas travel.

 

Everypaw Insurance Plan Bonuses

In addition to core coverage, Everypaw Pet Insurance includes several added-value features that enhance its appeal. Here are some of the bonuses pet owners can benefit from:

 

• 24/7 Vet Access – Unlimited access to UK-registered vet nurses and vets via online or phone support for quick advice and peace of mind.
• Multi-Pet Discount – Owners insuring more than one pet can benefit from discounts, helping reduce the total cost of cover.
• Everypaw Pet Portal – Manage your policy online, view documents, make claims, and update your pet’s information anytime through the secure portal.
• Preventative Care Support – Guidance on vaccinations, neutering, flea and worm treatments, and general pet health to encourage proactive care.
• Hassle-Free Claims – A streamlined digital claims process designed to reduce paperwork and speed up reimbursements.
• Special Offers – Occasional perks like free pet hampers or limited-time promotional incentives for new policyholders.
• Travel Cover – Some plans include cover for vet treatment abroad within listed territories, helping you travel worry-free with your pet.

 

How to Process Your Pet Insurance with Everypaw

Getting started with Everypaw Pet Insurance is simple and can be done entirely online. Here’s a step-by-step guide to help you through the process:

 

 

1. Get a Quote

Visit the Everypaw website and fill out the pet insurance quote form. You’ll need to provide details like your pet’s breed, age, and medical history to generate a tailored quote.

 

 

2. Choose a Plan

Select from the available cover types—lifetime, time-limited, or accident-only—based on your needs and budget. You can also pick your preferred vet fee limit and optional extras.

 

 

3. Set Up Your Policy

Once you’ve chosen a plan, create an account through the Everypaw Pet Portal. Enter your payment details and any required documentation to activate your coverage.

 

 

4. Use Your Coverage

After any applicable waiting periods, you can begin using your policy. Visit a licensed vet when needed, and make sure to keep all receipts and medical records.

 

 

5. Submit a Claim

Log into the Pet Portal to file a claim. Upload the vet invoice and supporting documentation. Claims are typically processed quickly through the digital system.

 

 

6. Manage Your Policy

You can update your details, add pets, or review policy documents anytime via the Everypaw Pet Portal for a hassle-free experience.

 

What to Prepare Before Applying for Everypaw Pet Insurance

Before applying for Everypaw Pet Insurance, it’s helpful to have a few key details ready to ensure a smooth and accurate quote process:

 

• Pet Details – Include your pet’s name, breed, gender, and age for accurate plan matching.
• Medical History – Be prepared to disclose any pre-existing conditions, ongoing treatments, or past vet visits.
• Vaccination Records – Ensure your pet is up to date on routine vaccinations, as this may affect eligibility for certain cover types.
• Microchip Number – If applicable, providing your pet’s microchip number helps with identification and claim processing.
• Your Contact Information – Have your mobile number or email ready for account creation and communication.
• Preferred Coverage Level – Decide on the type of cover (lifetime, time-limited, accident-only) and vet fee limit that suits your budget and your pet’s needs.
• Payment Details – A valid credit or debit card will be required to set up your monthly or annual premium payments.

 

Everypaw Pet Insurance Reviews

Everypaw Pet Insurance has received feedback across several platforms, reflecting a mix of customer experiences. Here’s a summary of how it’s rated by users:

 

 

Considerations Before Applying for Everypaw Pet Insurance

Before committing to an Everypaw Pet Insurance policy, there are a few important factors to keep in mind:

 

• Pre-Existing Conditions – Everypaw does not generally cover pre-existing conditions, so any ongoing or prior health issues may be excluded from claims.
• Waiting Periods – Coverage does not begin immediately; most policies include a waiting period before claims can be made.
• Coverage Limits – Be sure to choose a vet fee limit that suits your pet’s potential needs, especially for chronic or lifelong conditions.
• Optional Add-Ons – Some benefits, like dental or overseas cover, may only be available with certain plans or require an upgrade.
• Policy Type – Understand the difference between lifetime, time-limited, and accident-only cover to ensure you select the most appropriate plan.
• Age Restrictions – Older pets may have limited eligibility for new policies or higher premiums due to increased health risks.
• Exclusions – Routine care like vaccinations, neutering, and preventative dental treatments are typically not covered.
• Claim Process Requirements – Ensure you keep all necessary documentation, such as vet invoices and medical history, to support future claims.

 

Final Thoughts

Everypaw Pet Insurance offers a strong combination of flexible coverage, digital convenience, and customer-focused service. With multiple plan options, added perks like 24/7 vet access, and solid user reviews, UK pet owners can choose Everypaw for pet insurance and get reliable protection for their furry companions.