4Paws Insurance is the newest pet insurance company. Founded in 2017, 4Paws offers a major medical, an accident only coverage, and optional wellness coverage.

Policy Coverage

Plans Offered Major Medical, Wellness Options, Accidents Only
Where Plans Offered US
Deductible Type Annual
Deductible Options 100, 150, 250, and 500
Reimbursement Option 70%, 80%, or 90%
Policy Limit Options 5000, 7000, 10000, and 15000 (major medical)
Lifetime Limits Limits reset each year
Wellness Coverage Yes
Upper Age Limits No for Accident Only coverage, however enrollment is limited to dogs 12 years and younger, and cats 14 years and younger for Major Medical.
Vet Exam Fees Yes
Covers Hereditary/Congenital Yes
Prescription Medications Yes
Cancer Treatments Yes
Hips Dysplasia Yes
Emergency Visits Yes
Hospitalization Yes
Surgery Yes
Prescription food Yes for covered illnesses and accidents
Specialists Yes
Outpatient Care Yes
Holistic/Alternative Yes
Waiting Periods No waiting period for accidents only
14 days illness
14 days for knee and ligament conditions
Customer Service Monday to Friday 8am-5pm Eastern Time
Email, Phone Call, Facebook Messenger, Live Chat, and Twitter
Filing Claims Options Print form from website 4paws.in.com/claims. Then you can file claims either online website, Fax, email, or mail in claims form
Enrollment Requirements No exam required to enroll, but medical records may be asked to determine pet’s baseline of health
Years in business 2017 – 1 year
30-day free look period Yes (except New York)

Sample Policy

puppies walking at the park with their owner

Coverage Highlights

Here are 4 Paws Pet Insurance strengths:

  • Offers vet exam fee coverage
  • Offers optional wellness coverage
  • Offers short waiting periods (14 days illness, 14 days  for knee/ligament conditions whether illness or accident)
  • Offers no waiting periods for accidents
  • Offers prescription food coverage for covered illnesses and accidents
  • Offers bilateral exclusion (does not exclude a knee condition because of previous condition with the other knee.)
  • Offers coverage for some pre-existing conditions which are considered “cured”, and no treatment for those conditions for at least 6 months.
  • Offers dental disease coverage
  • Offers coverage for treatments from licensed veterinarians while traveling in Canada, and US territories, including Puerto Rico, Guam, and U.S. Virgin Islands.
  • Offers flexible enrollment, with no health exam required before or after enrollment.
  • Has an A plus established underwriter, Arch Insurance Company

Although great to have, 4 Paws does not offer the following:

  • Does not offer unlimited coverage. Coverage maxes out at 15,000/year.
  • Does not offer 24/7 customer service
  • Does not offer pre approvals
  • Does not offer a mobile app
  • Does not have visible customer satisfaction reviews online
  • Does not have a long established history, only 1 year in the business
  • Does have a $2.00 monthly fee assessed if monthly payment is selected vs annually.

A Quick Overview on 4Paws Pet Insurance:
Although the newest pet insurance company, 4Paws is backed by an A plus established underwriter, Arch Insurance Company. One of 4 Paws major advantage is that 4Paws has one of the shortest waiting periods of any pet insurance company: no waiting period for accidents, 14 days for illness, and just 14 days for knee and ligament coverage. Also, while no pet insurance will cover a pre-existing condition, 4Paws will cover some preexisting conditions that are deemed “cured”, and the condition has healed, and the pet has not received treatment for that particular condition for 6 months. Furthermore, while most pet insurance companies do not cover or offer limited coverage for prescription food, 4Paws covers prescription food to treat a covered illness. Finally, while most companies exclude bilateral conditions, 4Paws will cover the other injured knee as long as the first knee had healed for at 6 months, or 180 days. So yes, 4Paws is only a year old, and maximum coverage is 15k, but with features other companies do not cover, 4Paws may be worth considering. The future looks bright for 4Paws.