Pet Insurance for Cats

Whether you’ve got a young kitten, active cat or an older cat, we've got you covered with a range of cat insurance policy options packed with added benefits to suit.

✓ Up to £9,000 vet fee cover.
✓ Choice, flexibility, and a range of optional extras.
✓ Quick and simple claims process.

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Trusted by owners that love their cats as much as you do

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Types of pet insurance for your cat

Here are some of the most common types of cat insurance to consider when looking to cover your furry friend’s health needs:

Lifetime Cover

Lifetime cover takes care of your cat’s medical expenses for their entire life. Just keep in mind, the premium gets topped up each year, so it’s something to budget for long-term.

Per Condition Cover (Maximum Benefit Policies)

This type of policy sets a monetary limit for each condition your cat might face. You can keep claiming for treatments related to a specific condition as long as the policy is active. It’s great if you want flexibility with multiple conditions.

12-Month Time-Limited Policies

With this kind of insurance, there’s a monetary limit for each condition, but it only covers up to 12 months from when treatment begins. It’s ideal for short-term needs, but cover ends after the time frame or once the limit is reached.

Accident-Only Cover

If your cat is prone to the occasional mishap, accident-only cover is a super affordable option. It’s designed to help with costs from sudden accidents but doesn’t include illnesses. Perfect for cats who are little daredevils!

Superior – the most comprehensive insurance cover we offer, with the lowest excess, giving you confidence that your cat will be looked after if illness or injury strikes.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £9,000 per year

  • Percentage of veterinary fees covered

    100%

  • Excess

    Veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    £90 for all cats (all breed types)
    Once a standard cat breed reaches the age of 8 an additional 20% excess also applies. Once a standard cat breed reaches the age of 10 an additional 35% excess also applies.

  • Condition inner limits

    No inner limit for: vet consultations and visits, cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, skin conditions, cancer, brachycephalic airway obstruction, (BOAS), paralysis tick.

  • Alternative or complementary treatment

    £2,000 per year contained within the vet fee’s limit

  • Saying goodbye

    –

  • Theft or straying

    Up to £2,000 for the price you paid for your pet.

  • Advertising and reward

    £2,000 per year

  • Boarding fees

    £1,500 per year

  • Holiday cancellation

    £1,500 per year

  • Emergency repatriation

    £500 per year

  • Quarantine expenses and loss of documents

    £1,500 per year

  • Death from injury or illness

    Up to £2,000 for the price you paid for your pet. Death from illness cover will not be offered for standard dog breed or cat over the age of 8 and any select breed over the age of 5.

  • Day to day care

    –

  • Waiting period

    For an illness: 14 days
    For an injury: none
    For cruciate ligament disease: 14 days
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £6,000 per year

  • Percentage of veterinary fees covered

    100%

  • Excess

    Veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    £90 for all cats (all breed types)
    Once a standard cat breed reaches the age of 8 an additional 20% excess also applies. Once a standard cat breed reaches the age of 10 an additional 35% excess also applies.

  • Condition inner limits

    No inner limit for: vet consultations and visits, cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, skin conditions, cancer, brachycephalic airway obstruction, (BOAS), paralysis tick.

  • Alternative or complementary treatment

    £1,500 contained within the vet fee’s limit

  • Saying goodbye

    –

  • Theft or straying

    Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other)
    Up to £1,500 for the price you paid for your pet.

  • Advertising and reward

    £1,500 per year

  • Boarding fees

    £1,250 per year

  • Holiday cancellation

    £1,250 per year

  • Emergency repatriation

    £400 per year

  • Quarantine expenses and loss of documents

    £1,250 per year

  • Death from injury or illness

    Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other).
    Up to £1,500 for the price you paid for your pet.
    Death from illness cover will not be offered for standard dog breed or cat over the age of 8 and any select breed over the age of 5.

  • Day to day care

    –

  • Waiting period

    For an illness: 14 days
    For an injury: none
    For cruciate ligament disease: 14 days
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £5,000 per year

  • Percentage of veterinary fees covered

    100%

  • Excess

    Veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    £90 for all cats (all breed types)
    Once a standard cat breed reaches the age of 8 an additional 20% excess also applies. Once a standard cat breed reaches the age of 10 an additional 35% excess also applies.

  • Condition inner limits

    No inner limit for: vet consultations and visits, cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, skin conditions, cancer, brachycephalic airway obstruction, (BOAS), paralysis tick.

  • Alternative or complementary treatment

    £1,000 per year contained within the vet fee’s limit

  • Saying goodbye

    –

  • Theft or straying

    Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other)
    Up to £1,500 for the price you paid for your pet.

  • Advertising and reward

    £1,000 per year

  • Boarding fees

    £1,000 per year

  • Holiday cancellation

    £1,000 per year

  • Emergency repatriation

    £300 per year

  • Quarantine expenses and loss of documents

    £1,000 per year

  • Death from injury or illness

    Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other)
    Up to £1,500 for the price you paid for your pet.
    Death from illness cover will not be offered for standard dog breed or cat over the age of 8 and any select breed over the age of 5.

  • Day to day care

    –

  • Waiting period

    For an illness: 14 days
    For an injury: none
    For cruciate ligament disease: 14 days
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Benefits

Superior

Mid-point

Entry

Claimable period

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Veterinary fees

£9,000 per year

£6,000 per year

£5,000 per year

Percentage of veterinary fees covered

100%

100%

100%

Excess

Veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

£90 for all cats (all breed types)
Once a standard cat breed reaches the age of 8 an additional 20% excess also applies. Once a standard cat breed reaches the age of 10 an additional 35% excess also applies.

£90 for all cats (all breed types)
Once a standard cat breed reaches the age of 8 an additional 20% excess also applies. Once a standard cat breed reaches the age of 10 an additional 35% excess also applies.

£90 for all cats (all breed types)
Once a standard cat breed reaches the age of 8 an additional 20% excess also applies. Once a standard cat breed reaches the age of 10 an additional 35% excess also applies.

Condition inner limits

No inner limit for: vet consultations and visits, cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, skin conditions, cancer, brachycephalic airway obstruction, (BOAS), paralysis tick.

No inner limit for: vet consultations and visits, cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, skin conditions, cancer, brachycephalic airway obstruction, (BOAS), paralysis tick.

No inner limit for: vet consultations and visits, cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, skin conditions, cancer, brachycephalic airway obstruction, (BOAS), paralysis tick.

Alternative or complementary treatment

£2,000 per year contained within the vet fee’s limit

£1,500 contained within the vet fee’s limit

£1,000 per year contained within the vet fee’s limit

Saying goodbye

–

–

–

Theft or straying

Up to £2,000 for the price you paid for your pet.

Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other)
Up to £1,500 for the price you paid for your pet.

Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other)
Up to £1,500 for the price you paid for your pet.

Advertising and reward

£2,000 per year

£1,500 per year

£1,000 per year

Boarding fees

£1,500 per year

£1,250 per year

£1,000 per year

Holiday cancellation

£1,500 per year

£1,250 per year

£1,000 per year

Emergency repatriation

£500 per year

£400 per year

£300 per year

Quarantine expenses and loss of documents

£1,500 per year

£1,250 per year

£1,000 per year

Death from injury or illness

Up to £2,000 for the price you paid for your pet. Death from illness cover will not be offered for standard dog breed or cat over the age of 8 and any select breed over the age of 5.

Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other).
Up to £1,500 for the price you paid for your pet.
Death from illness cover will not be offered for standard dog breed or cat over the age of 8 and any select breed over the age of 5.

Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other)
Up to £1,500 for the price you paid for your pet.
Death from illness cover will not be offered for standard dog breed or cat over the age of 8 and any select breed over the age of 5.

Day to day care

–

–

–

Waiting period

For an illness: 14 days
For an injury: none
For cruciate ligament disease: 14 days
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

For an illness: 14 days
For an injury: none
For cruciate ligament disease: 14 days
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

For an illness: 14 days
For an injury: none
For cruciate ligament disease: 14 days
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

Age restrictions

Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Mid-range – our most flexible plan, offering a choice of co-payment and excess levels and packed with a range of optional extras to suit your cat’s needs.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £9,000 per year

  • Percentage of veterinary fees covered

    Choice of 90%, 80% or 70%

  • Excess

    Veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    Choice of £0, £60 or £120

  • Condition inner limits

    For cruciate ligament repair: £5,000 per year
    For luxating patella(s): No inner limit
    For hip dysplasia: £5,000 per year
    For Osteochondritis Dissecans or OCD: No inner limit
    For vet consultations & visits: £500 per year
    For skin conditions: £500 per year
    For cancer: £5,000 per year
    For Brachycephalic airway obstruction (BOAS): No inner limit
    For paralysis tick: Up to £1,000 for the first occurrence and then up to £500 thereafter

  • Alternative or complementary treatment

    –

  • Saying goodbye

    £250 per year

  • Theft or straying

    –

  • Advertising and reward

    –

  • Boarding fees

    £1,500 per year

  • Holiday cancellation

    –

  • Emergency repatriation

    –

  • Quarantine expenses and loss of documents

    –

  • Death from injury or illness

    –

  • Day to day care

    Optional extra
    Up to £50 per year for one of the below day to day cares your pet needs per year:
    Up to £50 per year for de-sexing; microchipping; worming; behavioural therapy; teeth cleaning; alternative or complementary treatment; prescription diets; or dew claw removal.
    Up to £30 per year for vaccinations or health checks.
    Up to £10 per year for a worm test or blood screen.
    Up to £10 per year for FeLv, Fiv test or urinalysis.
    Up to £45 per year for flea or tick control.
    No excess

  • Waiting period

    For an illness: 28 days
    For an injury: none
    For cruciate ligament disease: 180 days (6 months)
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate restrictions, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £6,000 per year

  • Percentage of veterinary fees covered

    Choice of 90%, 80% or 70%

  • Excess

    Veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    Choice of £0, £60 or £120

  • Condition inner limits

    For cruciate ligament repair: £3,000 per year
    For luxating patella(s): No inner limit
    For hip dysplasia: £3,000 per year
    For Osteochondritis Dissecans or OCD: No inner limit
    For vet consultations & visits: £400 per year
    For skin conditions: £400 per year
    For cancer: £3,000 per year
    For Brachycephalic airway obstruction (BOAS): No inner limit
    For paralysis tick: Up to £1,000 for the first occurrence and then up to £500 thereafter

  • Alternative or complementary treatment

    –

  • Saying goodbye

    £200 per year

  • Theft or straying

    –

  • Advertising and reward

    –

  • Boarding fees

    £1,250 per year

  • Holiday cancellation

    –

  • Emergency repatriation

    –

  • Quarantine expenses and loss of documents

    –

  • Death from injury or illness

    –

  • Day to day care

    Optional extra
    Up to £50 per year for one of the below day to day cares your pet needs per year:
    Up to £50 per year for de-sexing; microchipping; worming; behavioural therapy; teeth cleaning; alternative or complementary treatment; prescription diets; or dew claw removal.
    Up to £30 per year for vaccinations or health checks.
    Up to £10 per year for a worm test or blood screen.
    Up to £10 per year for FeLv, Fiv test or urinalysis.
    Up to £45 per year for flea or tick control.
    No excess

  • Waiting period

    For an illness: 28 days
    For an injury: none
    For cruciate ligament disease: 180 days (6 months)
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate restrictions, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illness and injury, year after year.

  • Veterinary fees

    £5,000 per year

  • Percentage of veterinary fees covered

    Choice of 90%, 80% or 70%

  • Excess

    Veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    Choice of £0, £60 or £120

  • Condition inner limits

    For cruciate ligament repair: £2,000 per year
    For luxating patella(s): No inner limit
    For hip dysplasia: £2,000 per year
    For Osteochondritis Dissecans or OCD: No inner limit
    For vet consultations & visits: £300 per year
    For skin conditions: £300 per year
    For cancer: £2,000 per year
    For Brachycephalic airway obstruction (BOAS): No inner limit
    For paralysis tick: Up to £1,000 for the first occurrence and then up to £500 thereafter

  • Alternative or complementary treatment

    –

  • Saying goodbye

    £150 per year

  • Theft or straying

    –

  • Advertising and reward

    –

  • Boarding fees

    £1,000 per year

  • Holiday cancellation

    –

  • Emergency repatriation

    –

  • Quarantine expenses and loss of documents

    –

  • Death from injury or illness

    –

  • Day to day care

    Optional extra
    Up to £50 per year for one of the below day to day cares your pet needs per year:
    Up to £50 per year for de-sexing; microchipping; worming; behavioural therapy; teeth cleaning; alternative or complementary treatment; prescription diets; or dew claw removal.
    Up to £30 per year for vaccinations or health checks.
    Up to £10 per year for a worm test or blood screen.
    Up to £10 per year for FeLv, Fiv test or urinalysis.
    Up to £45 per year for flea or tick control.
    No excess

  • Waiting period

    For an illness: 28 days
    For an injury: none
    For cruciate ligament disease: 180 days (6 months)
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate restrictions, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Benefits

Key

Vital

Core

Claimable period

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Lifetime
We will provide ongoing cover for illness and injury, year after year.

Veterinary fees

£9,000 per year

£6,000 per year

£5,000 per year

Percentage of veterinary fees covered

Choice of 90%, 80% or 70%

Choice of 90%, 80% or 70%

Choice of 90%, 80% or 70%

Excess

Veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

Choice of £0, £60 or £120

Choice of £0, £60 or £120

Choice of £0, £60 or £120

Condition inner limits

For cruciate ligament repair: £5,000 per year
For luxating patella(s): No inner limit
For hip dysplasia: £5,000 per year
For Osteochondritis Dissecans or OCD: No inner limit
For vet consultations & visits: £500 per year
For skin conditions: £500 per year
For cancer: £5,000 per year
For Brachycephalic airway obstruction (BOAS): No inner limit
For paralysis tick: Up to £1,000 for the first occurrence and then up to £500 thereafter

For cruciate ligament repair: £3,000 per year
For luxating patella(s): No inner limit
For hip dysplasia: £3,000 per year
For Osteochondritis Dissecans or OCD: No inner limit
For vet consultations & visits: £400 per year
For skin conditions: £400 per year
For cancer: £3,000 per year
For Brachycephalic airway obstruction (BOAS): No inner limit
For paralysis tick: Up to £1,000 for the first occurrence and then up to £500 thereafter

For cruciate ligament repair: £2,000 per year
For luxating patella(s): No inner limit
For hip dysplasia: £2,000 per year
For Osteochondritis Dissecans or OCD: No inner limit
For vet consultations & visits: £300 per year
For skin conditions: £300 per year
For cancer: £2,000 per year
For Brachycephalic airway obstruction (BOAS): No inner limit
For paralysis tick: Up to £1,000 for the first occurrence and then up to £500 thereafter

Alternative or complementary treatment

–

–

–

Saying goodbye

£250 per year

£200 per year

£150 per year

Theft or straying

–

–

–

Advertising and reward

–

–

–

Boarding fees

£1,500 per year

£1,250 per year

£1,000 per year

Holiday cancellation

–

–

–

Emergency repatriation

–

–

–

Quarantine expenses and loss of documents

–

–

–

Death from injury or illness

–

–

–

Day to day care

Optional extra
Up to £50 per year for one of the below day to day cares your pet needs per year:
Up to £50 per year for de-sexing; microchipping; worming; behavioural therapy; teeth cleaning; alternative or complementary treatment; prescription diets; or dew claw removal.
Up to £30 per year for vaccinations or health checks.
Up to £10 per year for a worm test or blood screen.
Up to £10 per year for FeLv, Fiv test or urinalysis.
Up to £45 per year for flea or tick control.
No excess

Optional extra
Up to £50 per year for one of the below day to day cares your pet needs per year:
Up to £50 per year for de-sexing; microchipping; worming; behavioural therapy; teeth cleaning; alternative or complementary treatment; prescription diets; or dew claw removal.
Up to £30 per year for vaccinations or health checks.
Up to £10 per year for a worm test or blood screen.
Up to £10 per year for FeLv, Fiv test or urinalysis.
Up to £45 per year for flea or tick control.
No excess

Optional extra
Up to £50 per year for one of the below day to day cares your pet needs per year:
Up to £50 per year for de-sexing; microchipping; worming; behavioural therapy; teeth cleaning; alternative or complementary treatment; prescription diets; or dew claw removal.
Up to £30 per year for vaccinations or health checks.
Up to £10 per year for a worm test or blood screen.
Up to £10 per year for FeLv, Fiv test or urinalysis.
Up to £45 per year for flea or tick control.
No excess

Waiting period

For an illness: 28 days
For an injury: none
For cruciate ligament disease: 180 days (6 months)
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate restrictions, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

For an illness: 28 days
For an injury: none
For cruciate ligament disease: 180 days (6 months)
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate restrictions, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

For an illness: 28 days
For an injury: none
For cruciate ligament disease: 180 days (6 months)
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate restrictions, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

Age restrictions

Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Safety-net – accidents or illness can happen at any time, and our Catastrophe and Economy policies provide cover for your cat when emergency treatment is needed.

Benefits

  • Claimable period

    12 months
    We will provide cover for each injury and illness for 12 months, starting from the date the injury happened or the clinical signs of the illness were first noticed.

  • Veterinary fees

    £4,000 for each injury and illness for 12 months

  • Percentage of veterinary fees covered

    100%

  • Excess

    Veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    £90 for all cats (all breed types)
    Once a cat reaches the age of 8 an additional 20% excess also applies.
    Once a cat reaches the age of 10 an additional 35% excess also applies.

  • Condition inner limits

    No inner limit for: cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, vet consultations and visits, skin conditions, cancer, brachycephalic airway obstruction (BOAS) or paralysis tick.

  • Alternative or complementary treatment

    £1,000 for each injury and illness for 12 months, contained within the vet fee’s limit

  • Saying goodbye

    –

  • Theft or straying

    Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other).
    Up to £1,000 for the price you paid for your pet.

  • Advertising and reward

    £1,000 per year

  • Boarding fees

    £1,000 per year

  • Holiday cancellation

    £1,000 per year

  • Emergency repatriation

    £300 per year

  • Quarantine expenses and loss of documents

    £1,000 per year

  • Death from injury or illness

    Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other)
    Up to £1,000 for the price you paid for your pet.
    Death from illness cover will not be offered for standard cat breeds over the age of 8 and any select breed over the age of 5.

  • Day to day care

    –

  • Waiting period

    For an illness: 14 days
    For an injury: none
    For cruciate ligament disease: 14 days
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate restrictions, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to pet’s under 8 weeks of age.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £6,000 a year

  • Percentage of veterinary fees covered

    100%

  • Excess

    Veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    Choice of £450 or £900. Once a cat reaches the age of 8 an additional 20% excess also applies. Once a cat reaches the age of 10 an additional 35% excess also applies.

  • Condition inner limits

    For cruciate ligament repair: £3,000 per year
    For luxating patella(s): £3,000 per year
    For hip dysplasia: £3,000 per year
    For Osteochondritis Dissecans or OCD: £3,000 per year
    For vet consultations & visits: £400 per year
    For skin conditions: £400 per year
    For cancer: £3,000 per year
    For Brachycephalic airway obstruction (BOAS): £4,000 per year
    For paralysis tick: No inner limit

  • Alternative or complementary treatment

    –

  • Saying goodbye

    –

  • Theft or straying

    –

  • Advertising and reward

    –

  • Boarding fees

    –

  • Holiday cancellation

    –

  • Emergency repatriation

    –

  • Quarantine expenses and loss of documents

    –

  • Death from injury or illness

    –

  • Day to day care

    –

  • Waiting period

    For an illness: 28 days
    For an injury: none
    For cruciate ligament disease: 180 days (6 months)
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate restrictions, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £3,000 per year

  • Percentage of veterinary fees covered

    100%

  • Excess

    Veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    Choice of £450 or £900. Once a cat reaches the age of 8 an additional 20% excess also applies. Once a cat reaches the age of 10 an additional 35% excess also applies.

  • Condition inner limits

    For cruciate ligament repair: £2,000 per year
    For luxating patella(s): £2,000 per year
    For hip dysplasia: £2,000 per year
    For Osteochondritis Dissecans or OCD: £2,000 per year
    For vet consultations & visits: £300 per year
    For skin conditions: £300 per year
    For cancer: £2,000 per year
    For Brachycephalic airway obstruction (BOAS): £3,000 per year
    For paralysis tick: No inner limit

  • Alternative or complementary treatment

    –

  • Saying goodbye

    –

  • Theft or straying

    –

  • Advertising and reward

    –

  • Boarding fees

    –

  • Holiday cancellation

    –

  • Emergency repatriation

    –

  • Quarantine expenses and loss of documents

    –

  • Death from injury or illness

    –

  • Day to day care

    –

  • Waiting period

    For an illness: 28 days
    For an injury: none
    For cruciate ligament disease: 180 days (6 months)
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate restrictions, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Benefits

Economy

Catastrophe 2

Catastrophe 1

Claimable period

12 months
We will provide cover for each injury and illness for 12 months, starting from the date the injury happened or the clinical signs of the illness were first noticed.

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Veterinary fees

£4,000 for each injury and illness for 12 months

£6,000 a year

£3,000 per year

Percentage of veterinary fees covered

100%

100%

100%

Excess

Veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

£90 for all cats (all breed types)
Once a cat reaches the age of 8 an additional 20% excess also applies.
Once a cat reaches the age of 10 an additional 35% excess also applies.

Choice of £450 or £900. Once a cat reaches the age of 8 an additional 20% excess also applies. Once a cat reaches the age of 10 an additional 35% excess also applies.

Choice of £450 or £900. Once a cat reaches the age of 8 an additional 20% excess also applies. Once a cat reaches the age of 10 an additional 35% excess also applies.

Condition inner limits

No inner limit for: cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, vet consultations and visits, skin conditions, cancer, brachycephalic airway obstruction (BOAS) or paralysis tick.

For cruciate ligament repair: £3,000 per year
For luxating patella(s): £3,000 per year
For hip dysplasia: £3,000 per year
For Osteochondritis Dissecans or OCD: £3,000 per year
For vet consultations & visits: £400 per year
For skin conditions: £400 per year
For cancer: £3,000 per year
For Brachycephalic airway obstruction (BOAS): £4,000 per year
For paralysis tick: No inner limit

For cruciate ligament repair: £2,000 per year
For luxating patella(s): £2,000 per year
For hip dysplasia: £2,000 per year
For Osteochondritis Dissecans or OCD: £2,000 per year
For vet consultations & visits: £300 per year
For skin conditions: £300 per year
For cancer: £2,000 per year
For Brachycephalic airway obstruction (BOAS): £3,000 per year
For paralysis tick: No inner limit

Alternative or complementary treatment

£1,000 for each injury and illness for 12 months, contained within the vet fee’s limit

–

–

Saying goodbye

–

–

–

Theft or straying

Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other).
Up to £1,000 for the price you paid for your pet.

–

–

Advertising and reward

£1,000 per year

–

–

Boarding fees

£1,000 per year

–

–

Holiday cancellation

£1,000 per year

–

–

Emergency repatriation

£300 per year

–

–

Quarantine expenses and loss of documents

£1,000 per year

–

–

Death from injury or illness

Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other)
Up to £1,000 for the price you paid for your pet.
Death from illness cover will not be offered for standard cat breeds over the age of 8 and any select breed over the age of 5.

–

–

Day to day care

–

–

–

Waiting period

For an illness: 14 days
For an injury: none
For cruciate ligament disease: 14 days
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate restrictions, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

For an illness: 28 days
For an injury: none
For cruciate ligament disease: 180 days (6 months)
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate restrictions, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

For an illness: 28 days
For an injury: none
For cruciate ligament disease: 180 days (6 months)
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate restrictions, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

Age restrictions

Not offered to pet’s under 8 weeks of age.

Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Not offered to cats aged 10 or over or any pet under 8 weeks of age.

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please consider the policy wording before making a decision to purchase the product.

Read our policy documents

Policy documents

Why insure your cat with British Pet Insurance?

Up to 100% of vet bills covered

Up to 100% of vet bills covered

Receive up to 100% back on eligible vet bills based on your level of cover.

Easy claims process

Easy claims process

Our claims process is simple and quick. 95% of claims are paid within 3 days.

Variety of plans

Variety of plans

Our comprehensive range of plans are designed for all needs and budgets.

Award-winning pet insurance

Award-winning pet insurance

Feefo Platinum Trusted Service from our friendly UK team.

Is this policy right for you?

Read the Target Market Determination (TMD) documents to ensure our policies fit your needs. These documents explain who the policy is for and how it should be used, so you don’t end up with cover that’s not right for you.

Policies bought on or after 1 January 2026:

Policies bought between 5 February 2025 – 31 December 2025:

Policies bought between 1 May 2024 – 4 February 2025:

cat-insurance-bpi

Benefits of Policy for Your Cat

Following are some of the best benefits of buying cat insurance for your pet.

Allows You to Pick a Vet

You need to take your pet cat to the vet several times in a year for illness and routine checkups. This not only means that you will spend extra money on your cat’s treatment but can also leave you at the hands of whatever treatment the vet provides to your pet.

However, having health insurance for your cat allows you to have the financial stability to choose any vet you want. You can determine your coverage plan and the kind of vet you can afford.

Delivers Peace of Mind

Having a sick cat is a huge responsibility and something that can impact your mental well-being if you are attached to your pet. Things get worse when you cannot cater to your cat’s treatment properly and need to keep trying alternatives.

However, having pet health insurance allows peace of mind because you know that you are financially covered and can make up for any medical expense that you needs to bear to treat your pet.

Provides Breed Specific Coverage

There are various cat breeds that you could keep as pets, but each of these cats has immunity, health, and overall well-being. There are some cat breeds like the Persian or sphinx cat that has a reputation for poor health.

This means that you will be dealing with tons of health issues for your pet. Breed-specific coverage helps you get extra coverage for lower premiums, providing you with a better overall deal.

Helps Manage Budget Better

Having a pet with health issues means that you will need to compromise on your monthly budget to care for your pet. However, not all cat owners have the means to cater to these extra medical expenses.

Therefore, having proper cat insurance coverage will help you get the best possible treatment for the pet without worrying about your wallet. Just make sure that your present your situation well and most professional pet insurance companies have good coverage plans for cat owners. You can also avoid using your emergency fund to meet your pet’s treatment expenses this way.

Grey british shorthair cat with golden eyes lying down

Owning a cat can be a fun and rewarding experience

However, if they suffer an illness or injury, it can also be both stressful and expensive. This is where we can help.

To ensure we really understand and cater for you and your cat’s needs, our sole focus is pet insurance. We aim to make the claim process smooth, quick, and easy, so you can concentrate on the health of your cat.

British Pet Insurance Services can provide the support you and your cat need, whether it is with your insurance cover, making a claim or just helpful advice along the way.

Get a quote

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