4Paws InsuranceReviews of 4pawsins.com

Premium increased from £17 a month, to £31 and then to £51. When I provided my policy number and indicated that I wished to cancel the policy they refused to do so without the email address I had provided two years ago. They assured me that I would receive a phone call to address the issue which wasn't forthcoming. I had to cancel the direct debit.

First year didn't claim insurance went up... Second year claimed insurance went up 45% So why didn't it go down 45% when no claim on first year... complete scammers avoid at all cost

they seem good with their teaser offer then as soon as you claim once the prices skyrocket year after year untill they price you out. been with them 3 years, only time i claimed was in the second year once. price went up £20 p/m thought fair enough, 3rd year no claims up another £270 a year. to nearly a £1000. the one claim came to that. policy is only for £4k. what a joke. Sharks . stay clear

DO NOT take out pet insurance using this company! They completely ignored the information provided by my vet about the date something happened and then tried to do some dodgy maths saying that it had happened before the date it actually did. Then they sent a follow up email saying either way they weren't paying out. It was very rude and basically refused to look further into the details and just outright denied our claim. (Which the vet assured us would be covered on insurance). They still haven't paid out and it has cost us nearly £1000 for sh-ite insurance and the treatment. Could have saved myself £300 if I had just paid outright for the treatment rather than throwing it away on insurance which apparently wont cover anything. Many people had told me not to bothered getting pet insurance because it is always crap, but I wanted to be covered from when we first got out kitten so he would be covered for his whole life... My advice to people considering pet insurance, DON'T especially if you are thinking about using 4 Paws.

My first annual renewal quote arrived. I've made no claims and my three year old dog is well. The premium has gone up by a staggering 26% and they now in addition charge an administration fee. I've tried phoning them three times and gave up after holding for over fifteen minutes. I have emailed them, but have received no reply. Two days ago I sent this: PET/W/57202178/PREM I was cold called earlier this morning by one of your agents at an inconvenient time when I was in a meeting. I have since received an email detailing your proposed charges for renewal of my pet insurance. I have tried phoning you without success. I could not get a reply. This year’s quote is for £367.05 plus a £10 ‘administration fee’ This is a 26% increase on last year’s premium, levied at a time when there is virtually no inflation. At this rate the premium will more than double every three years, so that if my dog, currently three years old, lives to be, say, 15 with this annual increase in premium I will by then be paying you approaching £6000 a year. That is ridiculous. This is an egregious example of the nefarious ‘loyalty penalty’. You will be aware that the FCA is currently investigating this practice. If you are not so aware, you should be. It is likely that in the near future you will be prevented from ripping off existing customers in this fashion. I also object strongly to paying what you call an ‘administration fee’. That is a deliberately misleading way of you further racking up the premium under the guise of doing something that you have to do anyway. I am not prepared to pay this £10. You say in your email : “You should check that the levels of cover offered by this renewal meets your needs and you may wish to compare the prices and levels of cover offered by alternative providers. If you have been with us for a number of years, you may be able to get the insurance cover you want at a better price if you shop around” Naturally I have done this. And you are right. There is a wide range of policies available offering as good or better cover than yours at a much lower price.” In conclusion, if you want to keep me as a customer, you will have to waive the ridiculous ‘administration’ fee and, more importantly, offer a competitive premium. If you can’t do that, so be it. I’m off. I look forward to your reply, which I will be publishing in Google comments and other review sites under a copy of this email John Duckworth +++++ They have not bothered to reply. A shame. Last year they were competitive. Now they are trying to rip me off. I'm making one last try to contact them by phone but already been holding for over fifteen minutes. What a crazy business policy. Tesco, John Lewis and many others provide a better deal, so I'm off. UPDATE: after holding on for a long time, I got through to someone called Jericho. He was not helpful. They will not waive the administration fee as they 'charge this to everyone to cover admin costs'. Hmmm. He will not negotiate on the premium increase and could not offer a satisfactory explanation for it. He did say that sometimes the renewal premium might go down, but couldn't tell me how often that has happened in the past. He asked if I wanted a reply to my email. Of course I do. In the meantime, I'm changing companies

Phoned 4 paws to make sure my dogs treatment was covered and I asked as it was an ongoing problem once the vet had finished the treatment then could we make a claim ,as it turned out I was nearing the end of first year and they processed a claim without my consent and paid out £1.27 which was what was left of the vet bill after they took there excess .and then was told if I wanted to claim again as it was a new year I would have to pay another years excess .

Awful insurance still waiting for my claim to come back to me it's been 3 weeks so far it's alot of money I'm waiting on I keep chasing them and you just get plamed off I've also contracted the complaints department and guess what not heard anything back i will be taking this matter futher!

I cannot express enough my frustration with this company. We bought a policy for our dog but realised that it wasn’t for us so cancelled the same day - way within our 14 day cooling off period. It’s now been nearly a month and several unfulfilled promises later, I still don’t have my refund.