4Paws Pet Insurance Opiniones 

Respuesta de 4Paws Pet Insurance

Hace 3 días

Hi Janet,

Thank you for your fantastic 5-star review!

We’re super happy that your claim was handled efficiently and resolved within 10 days as we aim to provide all of our wonderful customers with a stress-free claiming experience.

We really appreciate you taking the time to share your experience!

We hope Benji has recovered well from their treatment.

Kind regards
Chloe
Pet Claims Assessment Supervisor

Respuesta de 4Paws Pet Insurance

Hace 3 días

Good afternoon,

Thank you for your lovely 5-star review!
We’re pleased your first claim was straightforward and hassle-free, with all your questions answered and payment made quickly.

We really appreciate you sharing your experience and we hope Freya has recovered well.

Kind regards
Chloe
Pet Claims Assessment Supervisor

Respuesta de 4Paws Pet Insurance

Hace 3 días

Good afternoon,

Thank you for your wonderful 5-star review!
We’re delighted your claim was paid so quickly and that you found our text updates helpful.

Your kind words mean a lot to us, and we really appreciate you taking the time to share your experience.

We hope Oliver has recovered well from their dental.

Kind regards
Chloe
Pet Claims Assessment Supervisor

Respuesta de 4Paws Pet Insurance

Hace 6 días

Good Afternoon Phil,

Thank you very much for the feedback you have provided, and I am very sorry to hear that you have not been pleased with the service you have been provided.

For us to provide further assistance we will require additional information to locate your policy on our system. Therefore, please do not hesitate to contact us on 01423 535040, or via email on Petteam@4paws.co.uk so that we can provide further assistance.

Kind regards,

James
4Paws Pet Insurance
Pet Team

Respuesta de 4Paws Pet Insurance

8 oct 2026

Good morning Lisa,

Thank you for your lovely 5-star review!

We’re delighted your claim was acknowledged promptly and reimbursed quickly and we really appreciate your recommendation.

We hope Romeo is recovering well.

Kind regards
Chloe
Pet Claims Assessment Supervisor

Respuesta de 4Paws Pet Insurance

2 oct 2026

Good morning Mrs Lewis,

Thank you so much for taking the time to leave this fantastic review.

We are delighted we was able to assist you and Mojo when you needed us most.

Here at 4Paws we are always ready to help whenever you need us, so should you need anything in the future, please do get in touch.

Kind regards

Lauren
Pet Claims Assessment Team Leader

Respuesta de 4Paws Pet Insurance

28 sept 2026

Hi there,

Thank you for taking the time to write such a detailed review, and for being with 4Paws for over six years.

I’m really sorry that your recent renewal has left you feeling that your loyalty isn’t valued - looking at the increase from just over £600 to £800+ for a claim‑free indoor cat, I completely understand why it feels unreasonable, especially when you’ve found much lower prices elsewhere.

You’re absolutely right to expect a clear explanation when your premium goes up by that sort of amount. For your renewal, we’re not just looking at what has happened so far (in your case, no claims), but what the expected cost of future treatment could be.

At 7 years old, your cat moves into a higher risk age band from an underwriting point of view, even though she’s healthy and indoors. Age‑related illnesses and chronic conditions become more likely, and lifetime cover is specifically designed to keep paying year after year for those longer‑term issues. We also have to factor in how much vet treatment now costs - diagnostics, referrals and ongoing medication have all risen significantly over recent years - and how claims are emerging across similar pets and policies, not only on individual policies.

You’ve compared this with quotes online that use the same pet details and offer lifetime cover at a much lower price. One important difference is that new business prices are calculated differently from renewal prices:

New business quotes don’t include any claim rating from previous policies, because the new insurer has no claims history with you yet on that policy.

They often include introductory or new business discounts in the first year to attract new customers, which are not built into renewal pricing.

Even when headline limits look higher, the detailed terms (such as inner limits, excesses, how long‑term conditions are supported) can vary between products and affect the true long‑term cost.

So while it understandably looks like you are paying far more simply for staying, the renewal premium is driven by the expected future cost of providing lifetime cover for an older pet in today’s veterinary market, while the new quotes you’re seeing are discounted, first‑year prices without your policy’s history.

That explanation doesn’t change how disappointing this feels, and I’m genuinely sorry that the increase has led you to consider leaving after many years with us. We are more than happy to look into this further with you, so please give us a call on 01423 535040, and one of our friendly renewal advisors will be able to assist you.

Thank you again for your loyalty so far and for being so open about your concerns - it really helps us see where we need to be clearer and fairer in how we explain our pricing.

Kind regards

Lauren
Pet Team Leader

Respuesta de 4Paws Pet Insurance

24 sept 2026

Good morning Barry

Thank you so much for taking the time to share this.

I’m really glad to hear your claims were paid quickly and without any fuss.

We’re very grateful you chose us to support you. We’re always here for you and Polly, so if you need us again, we’re right here.

From all of us here at 4Paws, have a great rest of your week.

Kind regards

Lauren
Pet Claims Assessment Team Leader

Respuesta de 4Paws Pet Insurance

24 sept 2026

Hi there

Thank you so much for your lovely feedback.

It means a lot to hear that you’ve experienced excellent communication and great service from us.

We really do appreciate you, and if you ever need us again, we’re here for you.

From all of us here at 4Paws, we hope Kiki is feeling much better.

Kind regards

Lauren
Pet Claims Assessment Team Leader

Respuesta de 4Paws Pet Insurance

24 sept 2026

Good morning

Thank you so much for sharing this, and I’m really sorry to hear your younger dog has needed treatment - it’s always worrying when they’re unwell.

It’s lovely to know that the time you spent choosing the right cover has paid off and that you’ve felt supported and well‑informed throughout your claim.

We’re genuinely grateful you trusted us to look after her, and it means a lot that you would recommend us to others.

Wishing your girl a smooth recovery and many happy, healthy years ahead.

Kind regards

Lauren
Pet Claims Assessment Team Leader

Respuesta de 4Paws Pet Insurance

23 sept 2026

Good afternoon

Thank you so much for taking the time to share such a lovely review.

I’m really sorry you had reason to make a claim, but I’m glad to hear you felt treated with kindness, empathy and efficiency throughout.

That’s exactly the level of care we want to provide, especially when things are stressful or worrying.

We’ll be sure to pass your feedback on to the colleague and wider team involved in your claim - it will mean a great deal to them.

Thank you again for your kind words and for choosing us.

Kind regards

Lauren
Pet Claims Assessment Team Leader

Respuesta de 4Paws Pet Insurance

Actualizada el 17 sept 2026

Good morning

Thank you so much for your lovely feedback.

We’re really pleased to hear you’ve consistently received excellent customer service, and that Holly has been able to support you with your complicated claim.

I’ll be sure to share your amazing feedback with Holly and the team - it really does mean a lot to us.

If you need us again, please get in touch - we’re always here to help.

Kind regards

Lauren
Pet Claims Assessment Team Leader

Respuesta de 4Paws Pet Insurance

17 sept 2026

Hi there,

Thank you so much for your lovely feedback.

We’re really pleased to hear you’ve found us efficient and felt well updated throughout - that’s exactly the experience we aim to provide.

Should you need anything from us again, please do let us know.

Thanks

Lauren
Pet Claims Assessment Team Leader

Respuesta de 4Paws Pet Insurance

17 sept 2026

Good morning

Thank you for taking the time to leave your feedback, Sally, and I’m sorry to hear you’ve been left feeling this way about your policy with us.

I appreciate how frustrating it can be to see a significant increase at renewal, especially when the claims you’ve had feel like “one‑off” incidents rather than an ongoing condition. I’d like to explain a bit more about how our premiums are calculated to provide some context.

We review premiums each year using a range of risk and cost factors, including (but not limited to):

Your pet’s age - the likelihood and cost of treatment generally increase as pets get older.
Breed and type of pet - some breeds have higher typical claim costs or frequencies.
The level of cover and excess selected.
Your individual claim history - including number and type of claims.
External cost pressures - such as rising vet fees and treatment costs.

When you make a claim, this informs how we assess the future risk for that policy. While some conditions are clearly chronic and others appear more “one‑off”, our pricing models look at the data across many pets with similar claims, ages and breeds, to estimate the likelihood and cost of future claims. This can mean that even what feels like a random incident can still influence the expected risk level at renewal.

It is also important to note that new business prices are typically lower because they do not yet include any risk loading based on claims experience for that particular pet. Once a policy is in place and claims are made, the renewal premium is adjusted both for general cost trends and for the specific risk profile of the pet, which can make renewal premiums higher than prices offered to brand new customers.

I fully understand why, from your perspective, this feels excessive and unfair, and I’m sorry we’ve not been able to meet your expectations on this occasion. We absolutely do not intend our pricing to come across as “money grabbing”; it is based on actuarial analysis of risk and claims costs, but I appreciate this doesn’t change how it feels when you receive your renewal.

If you would like us to look at your case in more detail and explain your specific renewal in full, we would be happy to do so.

Kind regards

Lauren
Pet Claims Assessment Team Leader

Respuesta de 4Paws Pet Insurance

16 sept 2026

Good morning Mr Manns,

Thank you for taking the time to leave a review and providing your honest feedback.

I’m pleased to hear you found our customer service good, but I’m really sorry that your claims experience felt like a bit of a chore and that your renewal premium has caused such frustration. A jump from £34 to £97 a month is understandably concerning.
Premiums can increase for a number of reasons, including claims history and wider market conditions, but we absolutely appreciate that this still needs to be explained.

We hope Lizzy is doing well.

Kind regards
Chloe
Pet Claims Assessment Supervisor

Respuesta de 4Paws Pet Insurance

14 sept 2026

Good morning,

Thank you for taking the time to share your concerns regarding the increase in your cats insurance premium.

We understand how frustrating it can be to see a price change, especially when you haven’t made any claims, and we’re sorry for any disappointment this has caused.

While individual claim history is one factor, premiums are primarily based on a wider set of risk and cost indicators. These include things like your pet’s age, breed, the level of cover selected, where you live, and the overall pattern of claims and rising veterinary treatment costs across similar policies.

As pets get older, the likelihood and cost of treatment generally increase, and this is reflected in the way premiums are calculated.

We appreciate that our previous explanation around increased risk with age may not have fully addressed your concerns. We are always reviewing our pricing structures and customer feedback to ensure fairness and transparency, and your comments are very valuable in that process.

Kind regards,
Chloe
Pet Claims Assessment Supervisor

Respuesta de 4Paws Pet Insurance

1 sept 2026

Good morning Mrs Callue,

Thank you for taking the time to leave us this wonderful 5-star review!

We are so glad to hear that we could provide some comfort during a difficult time. It means a lot to us that our claims process was smooth and efficient for your beloved cats.

Thank you for sharing your positive experience with us and we hope Monty and Flynn are doing well.

Kind regards
Chloe
Pet Claims Assessment Supervisor

Respuesta de 4Paws Pet Insurance

28 ago 2026

Good morning Mrs Godfrey

Thank you so much for your 5‑star review. I’m really pleased to hear your claim was handled speedily and efficiently.

We really appreciate you taking the time to share your feedback.

Should you need us in the future, please do get in touch.

Kind regards

Lauren
Pet Claims Assessment Team Leader

Respuesta de 4Paws Pet Insurance

28 ago 2026

Hi there

Thank you so much for your lovely feedback and recommendation - it really means a lot.

I’m glad you felt we were helpful and understanding, and we’ll be here whenever you need us again.

Give Molly a big hug from all of us here at 4Paws!

Kind regards

Lauren
Pet Claims Assessment Team Leader

Respuesta de 4Paws Pet Insurance

28 ago 2026

Good morning Mrs Daily

Thank you so much for taking the time to share this, and for trusting us with Mouse Sweetpea's first claim.

It’s really important to us that things feel as smooth and stress‑free as possible, especially when your pet isn’t at their best, so I’m genuinely pleased to hear everything went effortlessly well for you.

If you ever need us again, we’ll be here to help.

Kind regards

Lauren
Pet Claims Assessment Team Leader