Cat insurance

  • Up to £15,000 vet fees
  • No compulsory excess or bill share, even as your pet ages
  • No upper age limit
  • Free 24/7 access to FirstVet video consultations
  • All pre-existing conditions considered*

Why choose Petsure cat cover?

Up to £15,000 vet fees

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Choose vet fee cover from £1,000 to £15,000 to suit your pet’s needs. Your limit resets each year you renew.

Tailored pet insurance

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Your pet is unique. Chose your limits, excess and optional extras to create a policy that fits them like a collar.

Switch with continuous cover

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Switch to Petsure on a like for like basis, with no gap in cover, and your cover could start immediately**.

Why should I get cat insurance?

Your cat may be agile and independent but they can also fall ill or have accidents. Sadly, the UK doesn’t have a pet version of the NHS to foot the bill. Without cat insurance, you could pay thousands of pounds to treat your feline if they become poorly.

According to the Association of British Insurers (ABI), the average claim in 2023 was £668 – nearly 50% higher than the cost of the average insurance policy. But the reality is that vet treatment for common issues can often be much higher than this.

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How much is cat insurance?

The cost of cat insurance will depend on a variety of things, including:

  • Where you live
  • Your cat’s breed and age
  • If your cat has any pre-existing conditions
  • Your chosen vet fee limit, excess, bill share, and cover options

Online research can help you decide what vet fee limits and benefit levels to choose for your cat cover. So think about:

  • Looking up your local vet clinic’s costs to treat your cat in an emergency
  • Learning which cat breeds are prone to genetic illnesses and the potential costs to treat these conditions
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Is cat insurance worth it?

Many cat parents can’t afford to find thousands of pounds to pay the vet should something happen to their four-legged friend.

You never want to compromise on your cat’s care or the treatment options available if they need medical help. Investing in comprehensive cat cover can give you peace of mind when faced with unexpected and costly vet bills.

Cat insurance can also cover you for more than vet fees, including emergency cattery costs and even advertising if they go missing.

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Explore our cat insurance

Having comprehensive cover for those unexpected scrapes can help give you peace of mind while your pet continues living their best life. Discover flexible pet insurance that protects the important four-legged members of your household.

Kitten cover

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  • Cover from 4 weeks old with no upper age limit
  • Up to £15,000 vet fee limit
  • Choose optional extras to suit your kitten’s individual needs

Older cat cover

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  • No upper age limits
  • No compulsory excess or bill share, even as your cat ages
  • Cover for most pre-existing conditions*

Multi-pet cover

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  • Up to £15,000 vet fee limit
  • Cover up to eight pets on one policy
  • Set individual cover limits, excesses, and optional extras

Kitten cover

Kitten cover image
  • Cover from 4 weeks old with no upper age limit
  • Up to £15,000 vet fee limit
  • Choose optional extras to suit your kitten’s individual needs

Older cat cover

Older cat cover image
  • No upper age limits
  • No compulsory excess or bill share, even as your cat ages
  • Cover for most pre-existing conditions*

Multi-pet cover

Multi-pet cover image
  • Up to £15,000 vet fee limit
  • Cover up to eight pets on one policy
  • Set individual cover limits, excesses, and optional extras

What’s included in your cat cover

Choosing Petsure to protect your cat gives you more than just vet fee cover. Here's what you get from our policy.

Dental accident

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If your pet has a dental accident or injury, you’re covered up to your chosen vet fee limit. Just make sure you’re taking your pet for annual-check ups and following vet dental advice.

Behavioural treatment

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Help from an expert with your pet’s emotional and mental well-being, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with complementary therapy).

Complementary therapy

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This includes alternative treatments like hydrotherapy or acupuncture, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with behavioural treatment)

Emergency care

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If you have an emergency (like an unplanned hospital visit) and can’t look after your pet, you get up to £1,500 towards pet minding costs.

Third-party liability for dogs

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This is when your dog causes injury to someone or their pet, or causes loss or damage to another person’s property. Cover for up to £2,000,000 for legal action made against you or your dog.

Choice of optional extras

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Choose from a range of optional extras to suit your pet’s needs, such as dental illness and cover if your pet gets lost or stolen.

Award-winning cat insurance provider

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Defaqto 5 star rating when you choose vet fees over £4,000 with all optional add-ons included.

Basic cover alone has 3 star rating

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Three-time winner National Insurance Awards Pet Insurance Award 2022, 2023 & 2024

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Awarded Best Pet Insurance Provider at the Insurance Choice Awards 2022

Watch why expert vet Dr Scott works with Petsure

“I’ve teamed up with Petsure as their vet ambassador. Their insurance products could cover cats and dogs, healthy or with pre-existing conditions, old or young, with great flexibility to suit both you and them.” Dr Scott Miller, ITV This Morning vet

What does cat insurance cover?

Cat insurance can protect you against unplanned and costly vet bills if your feline gets sick or has an accident.

As part of your Petsure cover, you get:

  • Vet fees
    > Behavioural treatment and complementary therapy
    > Dental accidents
    > Euthanasia
    > MRI/CT scans (up to £2k)
    > Cruciate ligaments (up to £2k)
  • Emergency care

You can also choose optional extras like Dental Illness and Travel and Holiday cover. So you can tailor your cat’s policy to their specific needs.

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What doesn’t cat insurance cover?

Like most insurers, we won’t cover routine and preventative treatments, including:

  • Flea and worming
  • Neutering
  • Vaccinations
  • Routine teeth cleaning
  • Routine or investigative tests (unless to diagnose a new or worsening condition covered under your policy)

Speak to your vet to see if they offer a healthcare plan. This can include annual vaccinations, regular health checkups, and preventative treatments.

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Compare our cat insurance

petsure-logo-white p-only-petsurelogo ManyPets Petplan Agria
Maximum vet fees £15,000 per year £15,000 per year £12,000 per year £20,000 per year
Cover for pre-existing conditions?
No compulsory excess?
No compulsory co-payments for older pets? 20% (from age 9) 20% (from age 7) Min. 10% (from any age)
Tailor limits per pet on a multi-pet policy?
Dental treatment for accidents?
Behavioural treatment and complementary therapy?

†For Lifetime policies only – details correct as of 10 September 2024 via competitor websites. Competitor products are subject to their own T&Cs and can have different limits and requirements for cats versus dogs at different ages. For full details, please check the relevant policy wording.
For full details of Petsure pet insurance, please read our policy wording.

Our expert says…

“One of the reasons why cats are so beloved is because of their playful attitudes and adventurous spirits. But this primal instinct to explore can get them into unexpected scrapes.

Cat insurance can give you peace of mind that your favourite feline is covered for the escapades of everyday life. So if something did happen, you can focus on helping your cat get better, not worrying about paying out for expensive vet costs.”

Allie Simpson – Pet insurance specialist

Meet our pet experts

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Lifetime pet insurance

Lifetime pet insurance is the most comprehensive type of cover out there.

It can cover your pet for accidents and repeated illnesses up to your policy limits throughout their life.

More about pet cover

Your Petsure pet insurance perks

Enjoy a range of benefits to support your pet parenting and help keep your best pet pal healthy and happy.

Petsure cover perks

Keep your pets happy and healthy with unlimited 24/7 access to UK vet video calls

Petsure cover perks

Save on your first 12 repeat subscription orders of Percuro planet-friendly and nutritional dog food

Petsure cover perks

Dedicated emotional support with trained Blue Cross volunteers, 365 days a year

Discover your treats

Cat insurance you can trust

Our cat insurance has a Defaqto 5 star rating when you choose vet fees over £4k with all optional extras included.

Frequently asked questions

  • What is lifetime cat insurance?

    Lifetime cat insurance is the most comprehensive type of pet insurance you can buy. It’s the cat’s whiskers. Your cat doesn’t have to be a kitten to take out cat insurance with us.

    Benefits of Petsure cat insurance include:

    • Vet fees covered up to your policy limits each year
    • Covers recurring or chronic conditions through the lifetime of your policy
    • Your policy limits reset each year – as long as you renew and there’s no break in cover.

    Find out more about Petsure pet insurance.

  • What are the most expensive cat breeds to insure?

    Pedigree cats can be more expensive to insure compared to mixed-breed (moggy) cats. This is because pedigrees are more at risk of inheriting genetic illnesses.

    For example, Maine Coons are prone to hip dypslasia, while Sphynxs are at higher risk of cardiomyopathy.

  • Is there an age limit or age restrictions to cat insurance?

    Some other insurers set upper age limits on buying cat insurance. We don’t. All we ask is your cat is more than 4 weeks old.

    Many also introduce mandatory contributions if you need to claim. This is the bill share (also known as ‘co-payment’). It’s paid on top of your excess payment when your cat reaches a certain age – usually 10 years. With us, this is always your choice.

    When you’re setting up your policy, you have the power to decide how much you’re willing to pay if you need to claim – it’s also a way to keep your premium down. If you always want us to pay the whole bill up to your policy limits then you can set your excess to £0 and a 0% voluntary bill share. This will increase the price you pay, but means you’ll never be out of pocket when you claim.

  • Will my cat be covered if they are lost or stolen?

    You can add optional Missing Pet cover to your policy. This gives you help in recovering your cat with advertising costs and also in offering a reward for their safe return.

    This covers you up to the market value of your cat or your cover amount – if your cat is lost, stolen or strays and you’re not reunited in 30 days.

  • When am I able to claim on my new policy?

    If you’re not switching over your policy to us from another provider, you can claim after the following times, depending on the type of claim:

    Accidental injuries – 2 days
    Illnesses – 14 days
    Missing pets – 14 days

    If you need to see the vet for an accident or illness within these timeframes, you’ll have to pay the bill yourself.

    If you are switching from another lifetime pet insurance provider, you could claim on your Petsure policy from the cover start date as long as:

    • There’s no break in between your cover.
    • The claim you want to make would have been covered with your previous provider.
    • You’ve chosen the same benefit levels, e.g. dental illness cover

    You can have a different vet fee limit, excess, and bill share (co-payment).

Discover expert pet care advice

Learn how to keep your pet happy and healthy with guidance from expert vets and behaviourists.

*Cover for pre-existing medical conditions is subject to acceptance. They will not be covered unless you have declared them and they are shown on your Confirmation of Cover.

**Illnesses and symptoms won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy. This is unless you are switching from another lifetime pet insurance product with no break in cover and the claim you want to make would have been covered by your previous policy. Other exclusions may apply to other sections.