Bringing a new pet home is a big moment. PawCover makes sure the only thing you need to think about is welcoming them into your family. From your first digital connection to the first six months together, we provide the protective bridge you need to move forward with confidence.
PawCover is not just a payment method; it is our commitment that your journey to pet parenthood is protected. When you use PawCover, your payment is held securely in escrow and is only released to the breeder once you confirm you have collected your pet.
TABLE OF CONTENTS
- Why buyers choose PawCover
- Why breeders choose PawCover
- Terms
- What's covered
- How do I make a claim?
- If the sale is cancelled, who keeps the deposit?
- Is there a fee for PawCover?
Why buyers choose PawCover
When you get your pet with PawCover protection, you are choosing a supported journey where your safety and the well-being of your new pet are the priorities.
Your payment is held securely in escrow
One of the most reassuring parts of PawCover is how your money is handled. Your payment is held safely by our secure payment partners and is not released to the breeder until you confirm that you have successfully collected your pet.
- This escrow protection means that if anything changes before you pick up your pet, or if a breeder unexpectedly cancels, you are covered.
- It removes the anxiety of carrying large amounts of cash or making unprotected transfers, letting you focus entirely on the excitement of collection day.
A six-month health guarantee for peace of mind
We believe that breeders are doing their best work, but we also know that life can be unpredictable. PawCover includes a health guarantee that protects your pet for their first six months in your home.
- If something unexpected occurs regarding your pet's health during these first months, PawCover steps in to support you. Read our T&Cs for a full overview of what is covered.
- This guarantee is designed because life is unpredictable, not because people are untrustworthy, ensuring you aren't left to navigate difficult health situations alone.
Support from a neutral third party
If an issue arises, you won't have to navigate it by yourself. PawCover gives you access to our dedicated Trust & Safety team, who act as a neutral party to help find a fair resolution for both you and the breeder.
- Whether it’s a question about the transaction or an unexpected challenge after the pet is home, we are here to support both sides in finding a way forward.
Extra protection from day one
To give your pet the best possible start, PawCover also includes five weeks of free Agria Pet Insurance and other perks. This ensures that from the moment they are settled on the sofa, you have an additional layer of professional insurance coverage to fall back on.
Why breeders choose PawCover
For breeders, PawCover acts as an enabler and partner, handling the infrastructure of the transaction so you can focus on what you do best: raising quality pets and finding them the right homes.
- Remove transaction friction: We handle secure payment handling and escrow protection so you can avoid awkward money conversations.
- Serious, committed buyers: Because buyers complete their transaction through the platform, you reduce the impact of time-wasters and receive a firm commitment from families who are ready to move forward.
- Support when life happens: Our health guarantee steps in when the unexpected occurs. We act as a neutral third party to support both you and the buyer, ensuring you do not have to navigate difficult situations alone.
- Secure and timely payouts: Payouts are handled securely, with funds released to your bank account after collection is confirmed.
- Build your reputation with reviews: Every PawCover transaction becomes a verified purchase, allowing buyers to leave authentic reviews that build your standing over time.
- Completely free for breeders: It costs you nothing to activate PawCover on your listings. The protection fee is paid by the buyer because they value the security and support it provides.
Terms
By choosing to get PawCover, the buyer and seller acknowledge a set of responsibilities and commitments to one another.
What's covered
In what situations is a refund guaranteed?
In what situations is a refund not guaranteed?
How do I make a claim?
If you encounter an unexpected situation after bringing your new pet home, we are here to help. Please see our designated page to start the process.
If the sale is cancelled, who keeps the deposit?
Once a PawCover transaction is initiated:
If the buyer cancels: The deposit is typically retained to respect the breeder's time, but the remaining balance is returned to the buyer.
If the breeder cancels: The full payment amount is returned to the buyer.
Note: If you have concerns about the welfare of a pet or if a breeder stops responding, you may be entitled to a deposit refund. Please ask the breeder to contact us to request a cancellation. If they refuse or stop replying, let our support team know immediately.
Is there a fee for PawCover?
Pets4Homes is committed to being transparent about the fees charged to users.
We believe in being transparent about how we protect our community.
For Breeders: There is no cost to use PawCover. It allows you to focus on your pets while we handle the infrastructure and secure payouts after collection.
For Buyers: A protection fee is applied when you transact through the platform. The exact amount is shown clearly before you proceed, so you can make an informed choice for your family.
- The fee is a percentage of the total price of your pet with a minimum of £10. The exact amount will be shown to you before you proceed with the payment.
- The fee provides you with the 6-month health guarantee for when things don't go according to plan.
- The fee covers mediation services in case of any disputes or issues that arise between you and the seller. Pets4Homes will act as a mediator and help to resolve any disagreements.
Didn't find the answer to your question?
PawCover FAQ