4Paws Pet Insurance
Are you worried about big vet bills and need some peace of mind? Find out if 4Paws pet insurance can provide the right cover for your furry friend.

If your pet has ever suddenly become very ill or gained an injury, you will know how large the veterinary bills can be. That’s why pet insurance is so important – it allows you to give your pet the care they deserve without the worry of large bills.
4Paws offer pet insurance for dogs, cats and rabbits and provide a range of levels of cover so you can choose the insurance that’s right for you and your pet.
4Paws is a brand name of NCI Insurance Services Limited. NCI Insurance is a UK based insurance broker, founded in 2000.
NCI Insurance initially began selling breakdown recovery, but now have expanded to offer a greater range of products including breakdown cover, car insurance and pet insurance through the brand 4Paws.
4Paws offer a range of separate insurance policies for dogs and cats, so you can find one that suits your needs and budget. Take a look at NIC’s four main levels of cover below.
Accident Only pet insurance covers any injuries gained in an accident.
Features of this policy include:
Standard cover is 4Paws’s basic pet insurance policy
Features of this policy include:
Maximum benefit cover offers an enhanced level of cover as well as a range of additional benefits.
Features of this policy include:
The lifetime cover offers the highest level of cover and a range of benefit to give your pet the very best healthcare through your pet’s life.
Features of this policy include:
4Paws’s pet insurance policies offer cover and protection for your cat or dog against certain risks. Cover differs depending on level of cover you have chosen. See below the features and benefits included in accident only, standard, maximum benefit and lifetime cover:
Benefits | Accident only | Standard | Maximum benefit | Lifetime |
---|---|---|---|---|
Veterinary fees | ✓ | ✓ | ✓ | ✓ |
Complementary treatment | ✓ | ✓ | ✓ | |
Third party liability | ✓ | ✓ | ✓ | ✓ |
Boarding fees | ✓ | ✓ | ||
Advertising and Reward | ✓ | ✓ | ||
Theft or straying | ✓ | ✓ | ||
Death from injury | ✓ | ✓ | ✓ | |
Death from illness | ✓ | ✓ | ||
Holiday cancellation | ✓ | ✓ | ||
Emergency repatriation | ✓ | ✓ | ||
Quarantine or loss of documents | ✓ | ✓ |
4Paws’s rabbit insurance is designed to provide premium cover for your rabbit. This includes cover if your rabbit develops long term and life threatening conditions associated to illness or injury. Some of the features of 4Paws’s rabbit insurance are:
An excess is the amount of money you contribute to the cost of your claim. The amount of your excess will depend on the level of cover you have, the age of your pet and the nature of your claim. Your excess will be shown in your policy schedule.
If you make a claim under a lifetime policy, you will need to pay an excess, which is payable once per condition per year.
For Accident Only, Standard and Maximum Benefit policies, you will only have to pay one fixed excess for each separate condition being claimed.
If you need to make a claim on your pet insurance, you can download a claim form from the 4Paws website. Once filled out, you can send it (along with your pets past 3 years medical history) to 4Paws Pet Insurance, Claims Department, 4th Floor, Clarendon House, Victoria Avenue, Harrogate, HG1 1JD.
If you would rather speak to someone, you can email 4Paws at petclaims@4paws.co.uk or call the Claims Department on 01423 535 040 and request a claim form be either emailed or posted to you.
You will need have the following things to hand to give to their advisors:
4Paws Insurance aim to settle all pet claims within 5-10 working days to give you peace of mind as soon as possible.
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