Overall Rating: 4.3 / 5
Everypaw is a digital-first UK pet insurer offering lifetime cover for dogs, cats, and rabbits across seven annual limit tiers, from £1,000 up to £10,000. It has built a solid reputation on Trustpilot (4.1+/5 from over 1,000 reviews) largely on the strength of its claims speed — the company reports 99% of claims paid within 5 working days. Pricing starts from £7/month, making it one of the more accessible lifetime-cover options in the UK market.
| Category | Rating | Notes |
|---|---|---|
| Coverage breadth | 4/5 | Lifetime cover across 7 limit tiers; behavioural treatment included on every tier |
| Price / value | 4.5/5 | Starts from £7/month — competitive entry price for lifetime cover |
| Claims experience | 4.5/5 | 99% of claims paid within 5 working days |
| Digital experience | 4/5 | Online-first management and claims |
| Policy transparency | 4/5 | Clear tier structure, though dental illness has a 2-year qualifying period |
Best for: Owners who want to choose from a wide range of annual limits rather than a one-size-fits-all lifetime cap, and who value fast claims turnaround.
Not ideal for: Owners who want dental illness covered immediately — Everypaw requires 2 continuous years of cover before dental illness (not injury) is included.
Everypaw Plans and Pricing
Everypaw offers three lifetime tiers — Lifetime, Lifetime Plus, and Lifetime Premier — each renewing annually and continuing to cover conditions diagnosed during the policy year, year after year, up to that year's vet-fee limit.
| Setting | Options |
|---|---|
| Annual vet-fee limit | 7 tiers, from £1,000 to £10,000 |
| Excess | £60 or £110 per condition |
| Cover type | Lifetime (3 tiers: Lifetime, Lifetime Plus, Lifetime Premier) |
| Pets covered | Dogs, cats, rabbits |
| Starting price | From £7/month |
Important: Dental injuries (e.g. a broken tooth from an accident) are covered after the standard waiting period. Dental illness (gum disease, tooth decay) only becomes covered once your pet has been continuously insured with Everypaw for 2 years — a detail worth knowing before you assume dental problems are covered from day one.
What Everypaw Covers
- Accidents and injuries
- Illnesses, including hereditary and congenital conditions
- Behavioural treatment prescribed by a vet — included on every tier, not just the top one
- Dental injury (immediately) and dental illness (after 2 continuous years insured)
- 24/7 access to UK veterinary professionals via Petcall
- Specialist referrals, surgery, hospitalisation, diagnostics
Not covered: Routine wellness (vaccines, flea/tick prevention), pre-existing conditions, dental illness during the first 2 years of cover.
Claims Experience
Everypaw manages claims online and reports paying 99% of claims within 5 working days — among the faster turnaround times in the UK market. This claims speed is the main driver behind its improving Trustpilot score over recent years.
Pros and Cons
| Pros | Cons |
|---|---|
| Seven annual limit tiers — more granular choice than most competitors | Dental illness requires 2 years of continuous cover before it's included |
| Starts from £7/month | Excess is per-condition, not per-year, which can add up for pets with multiple issues |
| 99% of claims paid within 5 working days | No direct vet payment network |
| Behavioural treatment included on every tier | Amber payment-risk flag on affiliate network history — not a reflection of policyholder claims, but worth knowing |
| Covers rabbits as well as dogs and cats | — |
Frequently Asked Questions
Is Everypaw good pet insurance?
Yes — Everypaw is a solid mid-market choice in the UK, rated 4.1+/5 on Trustpilot with over 1,000 reviews. Its combination of flexible annual limits, fast claims processing, and an entry price from £7/month makes it competitive against larger, more established brands like Petplan.
How much does Everypaw pet insurance cost?
Prices start from £7/month, with the actual premium depending on your pet's species, breed, age, postcode, and the annual limit and excess you choose. Higher limit tiers (£7,500–£10,000) and lower excess (£60) cost more per month.
Does Everypaw cover dental treatment?
Dental injuries are covered from the start (after the standard waiting period). Dental illness — the more common issue, like gum disease — is only covered once you've held continuous Everypaw cover for 2 years.