Direct Line vs Everypaw
Which Pet Insurance Is Better?
Everypaw offers higher vet fee limits
Editorial comparison only. VetCost is not regulated by the FCA. We do not arrange or sell insurance. Some links may be affiliate links. Read our methodology.
Direct Line
Everypaw
Price & Cover Comparison
| Metric | Direct Line | Everypaw |
|---|---|---|
| Editor Rating | 3.9/5 | 4.3/5 |
| Dog Price From | £8.00/mo | £10.00/mo |
| Cat Price From | £5.00/mo | £7.00/mo |
| Max Vet Fee Limit | £8,000 | £12,000 |
| Excess From | £70 | £60 |
| Trustpilot Score | 4.2/5 | 4.1/5 |
| Waiting Period | 14 days | 14 days |
Green tick indicates the better value in each category. Prices are indicative and may vary.
Feature Comparison
| Feature | Direct Line | Everypaw |
|---|---|---|
| Dental Cover | ||
| Hereditary Conditions | ||
| Behavioural Therapy | ||
| Pre-existing Conditions | ||
| Travel Abroad | ||
| Multi-pet Discount | ||
| Online Claims | ||
| Direct Vet Payment | ||
| Mobile App |
Pros & Cons
Direct Line
Pros
- Well-known, trusted UK insurance brand
- 10% multi-pet discount when insuring more than one pet
- Range of cover levels from basic to lifetime
- Strong online claims management portal
Cons
- No behavioural cover on any plan
- Maximum vet fee limit of £8,000 is lower than specialist providers
- No direct vet payment option
- No dedicated mobile app for pet insurance
Everypaw
Pros
- Defaqto 5-star rated — same Allianz underwriter as Petplan
- Direct vet payment for claims over £150
- More affordable than sister brand Petplan
- No upper age limit for policy renewals
Cons
- Smaller, less established brand than Petplan
- No mobile app — online portal only
- Limited to lifetime cover only — no budget-tier options
- Fewer Trustpilot reviews make it harder to gauge customer experience
Editor's Verdict
Everypaw earns a higher editor rating (4.3 vs 3.9), reflecting stronger overall value. Everypaw provides higher maximum vet fee cover (up to £12,000), which may suit owners who want comprehensive protection. On price, Direct Line starts from just £5/month, making it the more budget-friendly option. We recommend getting quotes from both to see which offers better value for your pet's specific needs.
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