Paws and Claws Insurance Review

Ronny Lavie By Ronny Lavie

Key policy benefits:

  • Six levels of cover to choose from
  • Up to £5,000 vet fees cover
  • Cover for complementary therapies
  • Option to pay monthly interest free

Summary

Paws & Claws is a Portsmouth-based company that is registered trading name of Ultimate Insurance Solutions Limited and is underwritten by International Insurance Company of Hannover SE, which is registered in Germany.

Claims are processed by qualified veterinary nurses.

Find out if Paws & Claws features in our list of the best pet insurance companies.

Overview of the cover provided by Paws & Claws Insurance

Paws and Claws has six levels of cover to choose from – Five Paws, Four Paws, Three Paws, Two Plus Paws, Two Paws and One Paw.

One Paw cover includes:

  • Accident-only cover
  • £1,000 cover for vet fees for an accident
  • £10,000 maximum benefit per year
  • £99 excess fee

Two Paws cover includes:

  • Accident-only cover
  • £2,000 cover for vet fees for an accident
  • £10,000 maximum benefit per year
  • £200 for dentistry work as a direct result of accident/injury
  • £200 cover for death of pet
  • £200 for loss by theft or straying
  • £200 for advertising and reward
  • £1,000,000 third party liability cover (dogs only)
  • £69 excess fee

Two Paws Plus cover includes:

  • £2,000 cover for vet fees
  • £10,000 maximum benefit per year
  • £1,000 cruciate ligament cover
  • £200 cover for death of pet
  • £200 for loss by theft or straying
  • £200 for advertising and reward
  • £1,000,000 third party liability cover (dogs only)
  • £75 excess fee

Three Paws cover includes:

  • Accident and illness cover
  • £2,500 cover for vet fees
  • £15,000 maximum benefit per condition
  • £1,000 cruciate ligament cover
  • £1,000,000 third party liability cover (dogs only)
  • £75 excess fee

Four Paws cover includes:

  • Accident and illness cover
  • £3,500 cover for vet fees
  • £25,000 maximum benefit per condition
  • £500 for dentistry work as a direct result of accident/injury
  • £500 cover for death of pet
  • £1,000 for holiday cancellation
  • £500 for loss by theft or straying
  • £2,000,000 third party liability cover (dogs only)
  • £3,500 overseas travel cover
  • £75 excess fee

Five Paws cover includes:

  • Accident and illness cover
  • £5,000 cover for vet fees
  • £35,000 maximum benefit per condition
  • £1,000 for dentistry work as a direct result of accident/injury
  • £1,000 cover for death of pet
  • £1,500 for holiday cancellation
  • £1,000 for loss by theft or straying
  • £500 for advertising and reward
  • £2,000,000 third party liability cover (dogs only)
  • £5,000 overseas travel cover
  • £75 excess fee

Paws and Claws’ One, Two and Two Plus Paws policies are time-limited, whereas the Three, Four and Five Paws policies offer lifetime cover. To learn about what the different types of insurance policies mean, take a look at our Pet Insurance FAQs.

The maximum benefit per condition refers to the amount you can claim over the life of your pet for one condition. So if you think your pet could easily exceed the £15,000 provided by the Three Paws policy you may want to consider cover with a higher limit.

Customers have access to a UK-based contact centre, as well as a claims line and a Find a Vet line.

Check out our list of top 10 pet insurance companies to see how Paws & Claws compares to other providers.

How much does pet insurance cover from Paws & Claws cost?

The cost of pet insurance varies according to the breed and age of your pet, as well as your postcode.

However, according to the Paws & Claws website, cover starts at just £3.74 per month based on a cat under 8 years old living in Lincoln.

A 10% multi-pet discount is also available and customers have the option to pay their premiums in monthly instalments, with no interest added.

What do Paws & Claws Insurance reviews by customer say?

On Reviews.co.uk, Paws & Claws scores 3.29 out of 5, based on 42 reviews. 33% of the customers who left reviews gave the company 5 stars, and 31% of customers gave it 1 star.

What do Paws and Claws Insurance reviews from the experts say?

Independent financial researcher Defaqto has rated both Paws and Claws’ Five and Four Paws insurance policies as 3 Star, its Three, Two and Two Plus Paws policies as 2 star and its One Paw policy as 1 star.

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 3 Star rated policy has “an average level of features and benefits”, a 2 star policy has “a below average range of features and benefits” and a 1 star policy has “a low level of features and benefits.”

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