PetCoverPro

Everypaw pet insurance review

By the PetCoverPro editorial team Vet-reviewed by Dr Avron Taitz, BVSc

Last updated

4.0
PetCoverPro score

Verdict

Everypaw is a competent mid-market lifetime insurer with three clear tiers, underwritten by LV General Insurance. Behavioural cover is included on every tier, which is unusual at this price point. Vet-fee limits go up to £12,000 on Premier. The downsides are a phone-and-online service model with no app, smaller brand presence than the supermarket banks, and lower-tier limits that can run thin on chronic illness. Sensible if you want LV underwriting without the LV brand.

Get a quote at Everypaw →

At a glance

Founded
2014
Underwriter
LV General Insurance
Cover style
Lifetime (Lifetime, Lifetime Plus, Lifetime Premier)
Vet-fee limit
Up to £12,000 per year on Premier
Excess from
From £75
Dental cover
Partial
Behavioural cover
Yes
Mobile app
No
Direct vet payment
Yes
Multi-pet discount
Multi-pet discount on policies after the first
Max new-policy age
8 years for new lifetime cover

Limits change. Always confirm current figures on the Everypaw website before buying.

Pros and cons

Pros

  • + Underwritten by LV General Insurance
  • + Clear three-tier lifetime structure
  • + Behavioural cover included on every tier
  • + Direct vet payment at participating practices

Cons

  • − No mobile app
  • − Lower-tier vet-fee limits run out faster for big claims
  • − Brand presence smaller than mainstream peers

The full review

Who Everypaw is

Everypaw is the pet insurance brand within the LV= insurance group, launched in 2014. The product is administered under the Everypaw name and underwritten by LV General Insurance Limited. LV= is one of the longer-established UK general insurers and brings a familiar capital base to the policy.

Everypaw\u2019s positioning is mid-market: not the cheapest, not the most expensive, with three lifetime tiers that aim to make the buying decision feel manageable rather than overwhelming.

What you actually get

Three lifetime tiers: Lifetime, Lifetime Plus and Lifetime Premier. All three renew annually and continue to cover conditions diagnosed during the policy year, year after year, up to that year\u2019s vet-fee limit.

Vet-fee limits run from a few thousand pounds on the entry tier up to £12,000 per year on Premier. The standout for Everypaw is that behavioural treatment prescribed by a vet is included on every tier, not just the premier one. That is unusual in the mainstream segment and worth weighting if behaviour is a real risk for your pet.

Claims experience

Claims are filed by phone, online form and post. There is no dedicated app. Direct vet payment is available at participating UK practices, which keeps the immediate financial pressure off owners at the point of claim. Independent reviews show a typical mainstream profile: routine claims clear well, complex chronic-condition claims occasionally produce friction.

Pricing

Everypaw is competitive on entry tiers and middle-of-pack on the Premier tier. The LV underwriting brings credibility but does not, on its own, push pricing higher than peers. As with every lifetime insurer, premiums climb at renewal as your pet ages.

Customer service

UK contact centre. Online portal. Email. The service tone is mainstream-insurance-professional rather than fintech-enthusiastic. Suits owners who want to talk to a person rather than message a chatbot.

Veterinary perspective

"Everypaw\u2019s decision to include behavioural cover on every tier is genuinely owner-friendly. Behaviour referrals are expensive and many owners discover too late that their policy only covers them on the premier tier. Worth weighting in your decision if you have a young dog where behaviour is a live question."

Dr Avron Taitz, BVSc, veterinary advisor, PetCoverPro

Who Everypaw is best for

  • +Buyers who want LV-backed underwriting with a clear three-tier choice.
  • +Owners who want behavioural cover on the entry tier rather than only the premier tier.
  • +Phone-first households who want UK contact rather than app-only service.
  • +Mid-market budgets looking for solid lifetime cover without paying premium-brand prices.

Who should look elsewhere

  • ×App-first owners should look at ManyPets, Napo or Waggel.
  • ×Pedigree owners with hereditary risk may need the higher vet-fee limits at Agria or Petplan.
  • ×Strict-budget owners can find lower entry premiums at Animal Friends.

Frequently asked questions

Who underwrites Everypaw?
LV General Insurance Limited underwrites Everypaw policies. LV= is a long-established UK insurance group. Everypaw is the brand and policy administrator.

Is Everypaw the same as LV pet insurance?
They share an underwriter (LV General Insurance) but the brand, the website, the contact centre and the customer experience are all distinct. The underlying policy structures are similar but Everypaw runs its own quote engine and tier definitions.

Is behavioural treatment really included on every tier?
Yes — behavioural treatment prescribed by a vet is included on all three Everypaw tiers, subject to the policy limit. Many mainstream insurers restrict behavioural cover to the premier tier only.

Does Everypaw pay the vet directly?
Yes, at participating UK practices. Where the practice is signed up Everypaw can settle the bill direct so you only pay the excess.

Ready to get a Everypaw quote?

Takes about 2 minutes. Your premium is the same whether you go via us or direct.

Get a quote at Everypaw →

We may earn a commission if you buy through this link, at no extra cost to you. See our affiliate disclosure.