Paws and claws pet insurance reviews

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Summary

Paws & Claws is a Portsmouth-based company that is the registered business name of Ultimate Insurance Solutions Limited and is registered by the Hanover SE International Insurance Company registered in Germany.

Paws and claws pet insurance reviews

There are six levels of Paws and Claws – five Paws, four Paws, Three Paws, Two Plus Paws, Two Paws and One Paw.

One claw cover includes:

  • Accident-only cover
  • £ 1,000 for animal fee for accident
  • £ 10,000 maximum profit per year
  • £ 99 extra charge

Two Paws covers include:

  • Accident-only cover
  • £ 2,000 cover for animal fee for accident
  • £ 10,000 maximum profit per year
  • £ 200 for dental work as a direct result of accident / injury
  • £ 200 cover for pet death
  • £ 200 for the loss of theft or wandering
  • £ 200 for advertising and reward
  • £ 1m third party liability cover (dogs only)
  • £ 69 extra charge

Two Paws Plus covers include:

  • £ 2,000 cover for veterinary fee
  • £ 10,000 maximum profit per year
  • £ 1,000 cruise ligament cover
  • £ 200 cover for pet death
  • £ 200 for the loss of theft or wandering
  • £ 200 for advertising and reward
  • £ 1m third party liability cover (dogs only)
  • £ 75 extra charge

The three Paws cover includes:

  • Accident and sickness of pet is cover
  • £ 2,500 for veterinary fee cover
  • Maximum profit of £ 15,000 per bet
  • £ 1,000 cruise ligament cover
  • £ 1m third party liability cover (dogs only)
  • £ 75 extra charge

Four Paws covers include:

  • Accident and sickness cover
  • £ 3,500 for veterinary fee cover
  • £ 25,000 maximum profit per bet
  • £ 500 for dental work as a direct result of accident / injury
  • £ 500 cover for pet death
  • £ 1,000 for vacation cancellation
  • £ 500 for the loss of theft or wandering
  • £ 2m Third Party Liability Cover (Dogs Only)
  • £ 3,500 foreign travel cover
  • £ 75 extra charge

The five Paws cover includes:

  • Accident and sickness cover
  • £ 5,000 for veterinary fee cover
  • £ 35,000 maximum profit per bet
  • £ 1,000 for dental work as a direct result of accident / injury
  • £ 1,000 cover for pet death
  • £ 1,500 for vacation cancellation
  • £ 1,000 for the loss of theft or wandering
  • £ 500 for advertising and rewards
  • £ 2m Third Party Liability Cover (Dogs Only)
  • £ 5,000 foreign travel cover
  • £ 75 extra charge

Paws and claws pet insurance reviews:Paws and Claws’ One, Two, and Two plus Paws policies are time-limited, while three, four and five Paws policies provide lifetime coverage. To learn about different types of insurance policies, look at our pet insurance questions.

The maximum benefit per term refers to the amount that you can claim for a condition on your pet’s life. So if you think that your pets can easily cross over £ 15,000 provided by the three Paws policy then you would want to consider the cover with a higher limit.Customers have a UK-based contact center, as well as a claim line and a brick line.To see how wings and claws compare to other providers, see our list of top 10 pet insurance companies.

How much is the pet insurance cover with the cost of Paws and Claws?

With the cost of pet insurance and the age of your pet, your postal code also changes.However, according to the Paws & Claws website, under the age of 8 in Lincoln, the cat’s cover starts at £ 3.74 per month.10% multi-pet discount is also available and customers do not have the option of paying their premiums in monthly installments, without any interest.

What is Paws & Claws Insurance Review?

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

What Do Paws And Claws Insurance Reviews Say?

Independent financial researcher Defaqto has rated Paw and Claws’ Five and Four Paws insurance policies as 3 stars, its three, two and two plus Paws policies as 2 stars and its Paw policy is 1 star.A star rating indicates how much the product or offer sits on the basis of quality and generality of the facilities in the market.A 3 star rated policy has “average level of facilities and benefits”, “below the average category of facilities and benefits” in a 2 star policy, and 1 star policy has “low level features and benefits”.

Cover type explained

Lifetime (per condition, per year)

This cover provides financial limit for each new accident or disease per year. When that situation has reached the financial limit, no other claim will be covered until the policy is renewed, at that time the cover limit is completely restored until your insurance policy cover do not get in and there is no break in premium Modern

Is this product suitable for you?

This product meets the demands and requirements of a pet owner who seeks peace of mind that the ongoing costs of any veterinary treatment for diseases and injuries are covered during the life of their pet.

12 months

After the illness or injury, you have 12 months cover from the beginning of each new situation to the financial limit. Once reaching or 12 months have passed, whichever is soon, any treatment required as a result of the condition will be excluded from future claims.

No further cover will be provided until your insurance policy is in force, there is no break in cover and premium.

Is this product suitable for you?

This product meets the demands and requirements of a pet owner who wants to cover the cost of veterinary treatment for only 12 months for each disease or injury.

Accident only 12 months

After the injury, you have 12 months cover from the beginning of each new situation to the financial limit. Once reaching or 12 months have passed, whichever is soon, any treatment required as a result of the condition will be excluded from future claims.

No further cover will be provided until your insurance policy is in force, there is no break in cover and premium.

Is this product suitable for you?

This product meets the demands and requirements of a pet owner who wants to cover only accidents and injuries.

 

Benefits limits are applicable for complementary medicine, special diet, cruciate ligament, CT / MRI scan and dental treatment where the overall benefit for veterinary fees is included in the limit and subject to an additional condition per policy period.

  • There is an additional deduction for each accident or illness claimed during each policy period. For one, two and two Paws Plus policies are deducted once per additional deduction. Special note regarding pets of 8 years or more: For veterinary fees, 15% co-payment will apply on each claim payment in addition to the standard extra deduction.
  • One payment to the maximum benefit limit shown at the death of your pet until the age of 8 years. Death from disease is not included in two Paw policies.
  • Lifetime – Your pets will be covered to the policy limit for each year, unless you renew your policy, up to premium and insurer invites renewal, there is no limit on how long you Can claim up to each illness or injury.
  • £250 extra payment is made once per claim.

Pet Insurance for Dogs

 

Product Name

ONE PAW

Monthly Premium 12 month instalments £6.13
Annual Premium £73.56 per year
Type of Cover Accident Only

12 Month

Veterinary Fees £1,000per incident
Maximum Benefit Limit £10,000

Per Year

Complementary Medicine * Not Included
Special Diet * Not Included
Cruciate Ligament * Not Included
CT/MRI Scans and Associated Costs * Not Included
Dentistry as a direct result of an accident/injury * Not Included
Excess ** £60
Death of Pet *** Not Included
Emergency Boarding Not Included
Holiday Cancellation Not Included
Loss by Theft or Straying Not Included
Advertising and Reward Not Included
Third Party Liability (Dogs Only) # Not Included
Overseas Travel Not Included

 

Pros:

One Paws Policy plan for dogs monthly and annual price rate is minimum compare to all other policy plan.

Maximum Benefit Limit is up to £10,000Per Year in minimum price.

Cons:

One Paws policy plan not cover any benefit features in his plan.

 

Product Name

TWO PAWS

Monthly Premium £6.73
Annual Premium £80.76
Type of Cover Accident Only
12 Month
Veterinary Fees £2,000per incident
Maximum Benefit Limit £10,000 per Year
Complementary Medicine * £200
Special Diet * Not Included
Cruciate Ligament * Not Included
CT/MRI Scans and Associated Costs * Not Included
Dentistry as a direct result of an accident/injury * £200
Excess £60
Death of Pet £200
Emergency Boarding £200
Holiday Cancellation Not Included
Loss by Theft or Straying £200
Advertising and Reward £200
Third Party Liability (Dogs Only) # £1,000,000
Overseas Travel £2,000

 

Pros:

For Accident cover Tow Paws policy plan is good for you because its cover maximum features in minimum price.

Death of pet cover in Tow Paws policy plan.

Complementary Medicine cover up to £200

Cons:

Special diet for dog in not cover in Two Paws policy plan.

Product Name

TWO PAWS PLUS

Monthly Premium £14.03
Annual Premium £168.36
Type of Cover 12 Month
Veterinary Fees £2,000per incident
Maximum Benefit Limit £10,000Per Year
Complementary Medicine * £200
Special Diet * Not Included
Cruciate Ligament £1,000
CT/MRI Scans and Associated Costs £500
Dentistry as a direct result of an accident/injury * Not Included
Excess ** £60
Death of Pet £200
Emergency Boarding £200
Holiday Cancellation Not Included
Loss by Theft or Straying £200
Advertising and Reward £200
Third Party Liability (Dogs Only) # £1,000,000
Overseas Travel £2,000

Pros:

CT/MRI Scans and Associated Costs cover up to £500.

Death of Pet cover up to £200.

Cruciate Ligament cover up to £1,000.

Cons:

Holiday Cancellation is not included in this policy plan.

 

 

Product Name

THREE PAWS

Monthly Premium £19.77
Annual Premium £237.24
Type of Cover Lifetime
Veterinary Fees £2,500

per condition, per policy year

Maximum Benefit Limit Unlimited
Complementary Medicine * £200
Special Diet * Not Included
Cruciate Ligament * £1,000
CT/MRI Scans and Associated Costs * £500
Dentistry as a direct result of an accident/injury * Not Included
Excess ** £60
Death of Pet *** Not Included
Emergency Boarding Not Included
Holiday Cancellation Not Included
Loss by Theft or Straying Not Included
Advertising and Reward Not Included
Third Party Liability (Dogs Only) # £1,000,000
Overseas Travel Not Included

 

Pros:

Maximum Benefit has no limit.

Three Paws cover lifetime policy plan.

Complementary Medicine cover up to £200

Cons:

Death of pet not cover in this policy plan.

 

Product Name

FOUR PAWS

Monthly Premium £19.87
Annual Premium £283.44 per year
Type of Cover Lifetime †
Veterinary Fees £3,500

per condition, per policy year

Maximum Benefit Limit Unlimited
Complementary Medicine * £500
Special Diet £100
Cruciate Ligament £1,500
CT/MRI Scans and Associated Costs £750
Dentistry as a direct result of an accident/injury * £500
Excess ** £60
Death of Pet £500
Emergency Boarding £500
Holiday Cancellation £1,000
Loss by Theft or Straying £500
Advertising and Reward £500
Third Party Liability (Dogs Only) # £2,000,000
Overseas Travel £3,500

 

Pros:

Maximum Benefit has no limit.

Cruciate Ligament cover up to £1,500.

Special Diet cover up to £100.

CT/MRI Scans and Associated Costs cover up to £750.

Cons:

Four Paws policy plan price for Lifetime cover policy plan is higher than Three Paws policy plan.

 

 

Product Name

FIVE PAWS

Monthly Premium £23.65
Annual Premium £283.80
Type of Cover Lifetime
Veterinary Fees £5,000

per condition, per policy year

Maximum Benefit Limit Unlimited
Complementary Medicine £800
Special Diet * £100
Cruciate Ligament £2,000
CT/MRI Scans and Associated Costs * £1,000
Dentistry as a direct result of an accident/injury * £1,000
Excess ** £60
Death of Pet *** £1,000
Emergency Boarding £500
Holiday Cancellation £1,500
Loss by Theft or Straying £1,000
Advertising and Reward £500
Third Party Liability (Dogs Only) # £2,000,000
Overseas Travel £5,000

 

Pros:

Holiday Cancellation cover up to £1,500.

Maximum Benefit has no limit.

Complementary Medicine cover up to £800.

This policy plan cover almost all features benefits.

Cons:

Monthly and Annual price is high than all other policy plan.

Conclusion:

Paws and claws pet insurance reviews: In this article we discus Paws and Claws policy plan for pets. Now first we talk about Dogs policy plans. In this they give us six policy plan. When we analyses all six policy plan then we concluded that One Paws policy plan monthly and annual price is low compare to all other plan but this policy cannot give you any features benefits. One and Two policy plan have one same thing. Both cover accident insurance plan. When we compare both insurance plan than Two Paws policy plan is good for you because its cover more features compare to One Paws policy plan.

Now we talk about Two Paws Plus policy plan. This is only policy plan that cover for limit time. And its cover maximum features in reasonable price.

And at last we compare last three policy plan. All three policy plan cover lifetime insurance policy. And when we compare all three policy then we see that Three Paws policy plan is worst policy plan and Four Paws policy plan is better from three of them. Five Paws policy plan is also very good and impressive but its monthly and annually price is higher than Four Paws Policy Plan.

M&S bank pet insurance is the one of the best pet insurance in the market which has best deals in a cheap price.

Pet Insurance for Cats

 

Product Name

ONE PAW

Monthly Premium £4.55
Annual Premium £54.60 per year
Type of Cover Accident Only
12 Month
Veterinary Fees £1,000

per incident

Maximum Benefit Limit £10,000

Per Year

Complementary Medicine * Not Included
Special Diet * Not Included
Cruciate Ligament * Not Included
CT/MRI Scans and Associated Costs * Not Included
Dentistry as a direct result of an accident/injury * Not Included
Excess ** £60
Death of Pet *** Not Included
Emergency Boarding Not Included
Holiday Cancellation Not Included
Loss by Theft or Straying Not Included
Advertising and Reward Not Included
Third Party Liability (Dogs Only) # Not Included
Overseas Travel Not Included

 

Pros:

This policy plan monthly price is minimum.

Maximum Benefit Limit is up to £10,000Per Year in minimum price.

Cons:

One Paws policy plan not cover any benefit features in his plan.

 

 

Product Name

TWO PAWS

Monthly Premium £5.43
Annual Premium £65.16
Type of Cover Accident Only
12 Month
Veterinary Fees £2,000

per incident

Maximum Benefit Limit £10,000

Per Year

Complementary Medicine * £200
Special Diet * Not Included
Cruciate Ligament * Not Included
CT/MRI Scans and Associated Costs * Not Included
Dentistry as a direct result of an accident/injury * £200
Excess ** £60
Death of Pet *** £200
Emergency Boarding £200
Holiday Cancellation Not Included
Loss by Theft or Straying £200
Advertising and Reward £200
Overseas Travel £2,000

 

Pros:

For Accident cover Tow Paws policy plan is good for you because its cover maximum features in minimum price.

Death of pet cover in Tow Paws policy plan.

Complementary Medicine cover up to £200

Cons:

Special diet for cat is not cover in Two Paws policy plan.

 

 

Product Name

TWO PAWS PLUS

Monthly Premium £6.11
Annual Premium £73.38 per year
Type of Cover 12 Month
Veterinary Fees £2,000

per incident

Maximum Benefit Limit £10,000

Per Year

Complementary Medicine * £200
Special Diet * Not Included
Cruciate Ligament * £1,000
CT/MRI Scans and Associated Costs * £500
Dentistry as a direct result of an accident/injury * Not Included
Excess ** £60
Death of Pet *** £200
Emergency Boarding £200
Holiday Cancellation Not Included
Loss by Theft or Straying £200
Advertising and Reward £200
Overseas Travel £2,000

 

Pros:

CT/MRI Scans and Associated Costs cover up to £500.

Death of Pet cover up to £200.

Cruciate Ligament cover up to £1,000.

Cons:

Dentistry as a direct result of an accident/injury is not included in this policy plan.

 

Product Name

THREE PAWS

Monthly Premium £8.14
Annual Premium £97.68
Type of Cover Lifetime
Veterinary Fees £2,500

per condition, per policy year

Maximum Benefit Limit Unlimited
Complementary Medicine * £200
Special Diet * Not Included
Cruciate Ligament * £1,000
CT/MRI Scans and Associated Costs * £500
Dentistry as a direct result of an accident/injury * Not Included
Excess ** £60
Death of Pet *** Not Included
Emergency Boarding Not Included
Holiday Cancellation Not Included
Loss by Theft or Straying Not Included
Advertising and Reward Not Included

 

Pros:

Maximum Benefit has no limit.

Three Paws cover lifetime policy plan.

Complementary Medicine cover up to £200

Cons:

It’s not cover maximum benefits according to its price.

 

Product Name

FOUR PAWS

Monthly Premium £9.21
Annual Premium £110.52 per year
Type of Cover Lifetime
Veterinary Fees £3,500

per condition, per policy year

Maximum Benefit Limit Unlimited
Complementary Medicine * £500
Special Diet * £100
Cruciate Ligament * £1,500
CT/MRI Scans and Associated Costs * £750
Dentistry as a direct result of an accident/injury * £500
Excess ** £60
Death of Pet *** £500
Emergency Boarding £500
Holiday Cancellation £1,000
Loss by Theft or Straying £500
Advertising and Reward £500
Overseas Travel £3,500

 

Pros:

Maximum Benefit has no limit.

Holiday Cancellation cover up to £1,000.

Special Diet cover up to £100.

CT/MRI Scans and Associated Costs cover up to £750.

Cons:

Four Paws policy plan price for Lifetime cover policy plan is higher than Three Paws policy plan.

 

 

Product Name

FIVE PAWS

Monthly Premium £10.14
Annual Premium £121.68 per year
Type of Cover Lifetime
Veterinary Fees £5,000

per condition, per policy year

Maximum Benefit Limit Unlimited
Complementary Medicine * £800
Special Diet * £100
Cruciate Ligament * £2,000
CT/MRI Scans and Associated Costs * £1,000
Dentistry as a direct result of an accident/injury * £1,000
Excess ** £60
Death of Pet *** £1,000
Emergency Boarding £500
Holiday Cancellation £1,500
Loss by Theft or Straying £1,000
Advertising and Reward £500
Overseas Travel £5,000

 

Pros:

Holiday Cancellation cover up to £1,500.

Maximum Benefit has no limit.

Cruciate Ligament cover up to £2,000.

This policy plan cover almost all features benefits.

Cons:

Monthly and Annual price is high than all other policy plan.

 

Conclusion:

In this article we discus Paws and Claws policy plan for pets. Now first we talk about Cats policy plans. In this they give us six policy plan. When we analyses all six policy plan then we concluded that One Paws policy plan monthly and annual price is low compare to all other plan but this policy cannot give you any features benefits. One and Two policy plan have one same thing. Both cover accident insurance plan. When we compare both insurance plan than Two Paws policy plan is good for you because its cover more features compare to One Paws policy plan.

Now we talk about Two Paws Plus policy plan. This is only policy plan that cover for limit time. And its cover maximum features in reasonable price.

And at last we compare last three policy plan. All three policy plan cover lifetime insurance policy. And when we compare all three policy then we see that Three Paws policy plan is worst policy plan and Four Paws policy plan is better from three of them. Five Paws policy plan is also very good and impressive but its monthly and annually price is higher than Four Paws Policy Plan.

 

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