Created by animal lovers and pet enthusiasts, 4Paws Insurance is designed to meet the needs of pet owners and their pets. With flexible plans, members can select the coverage, deductible, limits, and reimbursement that’s right for their pet.

Average customer rating

10.0 Out of 10
60 Days 1 Year Lifetime
Rating 10.0 10.0 10.0
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4Paws Pet Insurance

10
Out of 10
Recommended
Posted: 10/11/2018
By:
Alice Brown

Real easy to signup. I also love that I never have to wait on hold to talk to a person.

Injury/illness
Claim Amount
Under $100
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 10/05/2018
By:
Amanda

My Golden Retriever is only 3 years old so between eating socks, chewing on shoes and running around, he is always getting into something! I am so glad I have 4Paws Insurance to help me with his unexpected vet visits. The sign up process is simple and...

Injury/illness

Ear Problem

Claim Amount
Under $100
Breed

Golden Retriever

Age of Pet
1 - 8
Monthly Cost

Monthly rates start as little as $10 for Accident Only coverage and $16 for Accident & Illness coverage.

Rates vary based on species, age, breed, coverage selection, and location.

Coverage

90%, 80%, or 70% of eligible billed expenses in excess of the selected deductible.

Payout Limits

Available annual limits are $5,000, $7,000, $10,000, and $15,000, with no lifetime coverage limit.

Deductible

Members choose an annual deductible of $100, $150, $250 or $500.

Age Limits

Pets must be at least 8 weeks old to enroll.

The upper limit to qualify for Illness coverage is 14 years for cats, and 12 years for dogs. There are coverage options available for senior pets as well.

Waiting Period

There are no waiting periods for accidents, injuries or preventive care.

There is a 14 day waiting period for all illnesses and knee/ligament conditions, and such conditions which occur during the waiting period are not covered.

Exclusions

Pre-existing conditions are not covered.

Conditions that are cured and free from treatment or symptoms for 180 days may become eligible for coverage. Cosmetic procedures, treatments, and prostheses are not covered. Preventive services without an occurrence are excluded, unless specifically covered by an Optional Wellness plan.

4Paws Insurance, provided by NSM Insurance Group, is committed to providing pet parents unparalleled customer service. We can’t cover everything, but with flexible plans, our members choose the coverage they need at the price they can afford.