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Find the answers to our most commonly asked questions
Who are Insure Your Paws?
Insure Your Paws is a brand of Cover-More Blue Insurance Services Limited, part of the Cover-More Group, a Zurich Company. The Pet Insurance policies we offer for cats and dogs are underwritten by Cranbrook Underwriting services for and on behalf of SCOR UK Company limited.
There is no upper age limit for insuring your pet. We can start insuring puppies and kittens from eight weeks of age.
At Insure Your Paws, we only offer Lifetime cover. Lifetime pet insurance can cover your pet for both accidents and illnesses up to your chosen vet fee limit. Your cover limit will refresh each year you renew your policy, so you will be able to claim up to your cover limit again.
We don’t provide cover for any pre-existing conditions. You’re unable to claim for any illnesses that first occurred or showed symptoms within the first 14 days, or any accidents or injuries which occurred within the first 2 days of the cover start date of your policy.

Making a claim is simple, and you can do this by visiting your Your Paws account or by giving us a call on 0345 646 2040.

However, if your policy started before 14th May 2024 or renewed before 13th June 2024, please download and complete the relevant claim form below. Alternatively, you can contact our claims handler on 0330 134 8115 who will be able to assist you with your claim.

Claim for a new condition: New Claim Form
Claim for an ongoing condition: Continuation Claim Form

All our policies offer a 14-day cooling off period. If you cancel your policy within 14 days of receiving your documents and you’ve not made or intend to make a claim, we’ll give you a full refund.

You can still cancel your policy any time after the 14-day cooling off period - For full details please see your Policy Wording document.

Bill share, also known as co-pay or co-insurance, is the percentage amount which you've chosen to pay towards a vet fee claim, in return for a lower policy premium. You can choose to contribute from 0% - 30%. The bill share amount is calculated on the balance left after your chosen excess has been deducted from the claim. Unlike some other insurance providers, we do not ask for a compulsory co-payment if your pet is a certain age or breed.

For example, if you’ve chosen a £100 excess and 10% bill share:

Valid claim amount (for one condition) £1,100
Minus your chosen excess £100 £1,000
Minus your bill share amount 10% = £100 £900
Total amount you will need to pay £200
Total amount we will pay £900
You can pay in full with a credit or debit card, or by direct debit. You can also choose to spread the cost and pay in monthly installments via direct debit. There is no extra fee if you choose to pay in monthly installments.
All Insure Your Paws customers have free, unlimited access to our careline who are available any time of day or night, throughout the year. The service provides advice and support from UK registered vet nurses. You can find the contact details of the Assist Your Paws careline in your policy documents.
If your pet’s health is deteriorating, your pet has gone missing, or has crossed over the rainbow bridge, we want you to know you’re not alone. Our fully trained vet nurses are always here for you to talk to in a safe and non-judgmental space. You can call our 24 hour Assist Your Paws careline to book a call with our bereavement team. You can find the contact details of the Assist Your Paws careline in your policy documents.
Our claims team can pay vets directly. Please ask your vet if they’re happy to do this, and our claims team will take care of the rest.
An excess is the fixed amount you would pay towards a claim. This applies per condition per policy year. When you get a quote, you can choose the level of excess you prefer, from £0 to £500.
We will email you a copy of your Policy Wording, Insurance Product Information Document (IPID) and Policy Schedule, when you purchase a policy or renew with us. You can also find a copy in the Your Paws section of our website. If you would like us to resend your documents, please contact our Customer Care team on 0344 273 2777.
If this is the first time you are logging in, please click the retrieve your password on the Your Paws login page and follow the steps.
 

We're unable to cover any dog listed under the Dangerous Dogs Act 1991, the Dangerous Dogs (Amendment) Act 1997 or any further amendments to these Acts; this includes any dogs mixed or crossed with the following breeds:

  • Dogo Argentino
  • Fila Brasiliero
  • Japanese Tosa
  • Pitbull Terrier
  • XL Bully
We’re unable to cover feral cats.

We try to keep any price increases as small as possible but as our pets grow older, they need a little extra TLC (and maybe a few more treats). Just like us, they can experience health changes as they age. Whether it’s some stiffness in the joints or the occasional trip to the vet, older pets often need more frequent medical attention.

If your pet has needed medical treatment this year, there’s a chance they might need it again in the future. With new treatments, cutting-edge technology, and better overall care, more conditions can be treated today than ever before. While this is great news for your pet’s health, it can also mean higher treatment costs.

Depending on what you opted for when you purchased your policy, you will need to pay any excess fees and bill share (co-payment) fees.

For ongoing conditions, you will only be asked to pay your excess fee once per policy year for that condition, the bill share (co-payment) fees are applicable on every claim.

This depends on what you’re claiming for. You can find a full list on our online claims form in your ‘Your Paws’ account or call the claims team on 0345 646 2040.

For example, if you are claiming for vet fees, you will need to provide your pet’s medical history and invoices for the treatment they are claiming for.

If you don't have the documents available, the claims team will ask for them from your vet.

You can buy cover today to start at any time within the next 30 days.
Still have questions?
Can’t find the answer you’re looking for? Please chat to our friendly team.