|Maximum vet fees
|£15k per year
|£15k per year
|£12k per year
|£20k per year
|Cover for pre-existing conditions?
|No compulsory excess?
|No compulsory co-payments for older pets?
|Tailor limits per pet on a multi-pet policy?
†For Lifetime policies only – details correct as of 16 June 2023 via competitor websites. Competitor products are subject to their own T&Cs. For full details of Petsure pet insurance, please read our policy wording.
Cats aren’t just the rulers of our homes, they’re also loved members of our families. Whether they have conditions* or not, we believe they should be treated fairly.
When you’re getting a quote, we’ll ask you about the health of your cat to give you a fair price. You’ll also have a choice of cover limits for your cat with no upper age limit. Let’s give pet prejudice the middle-claw.
So if you’re feeling trapped with soaring costs with your existing provider, switch to Petsure and your cover could start immediately**.Get a quote
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:
Your cat may be agile and independent, but they can also fall ill or have accidents. And if that happens, you want to be able to give them the best care possible without worrying about the cost.
According to the Association of British Insurers (ABI), the average cost of pet claims in 2021 was £848. Having cat insurance could give you the reassurance that your favourite feline is covered for the unexpected.
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. These are usually called ‘co-payments’ and are paid on top of your excess payment when your cat reaches a certain age – usually 10 years old. 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.
You can take out pet insurance for your kitten when they are as little as 4 weeks old. Accidents can happen at any time, even with kittens who are exploring a new world. Without free healthcare to rely on as we do, you’ll have to pay the entire vet fee bill yourself.
It’s your choice as to when you take out cat insurance, but it is a risk to leave your kitten uninsured.
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.
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 do need help with any of the above situations within these timeframes, you’ll need to pay the bill yourself.
If you are switching from another provider, you could claim on your Petsure policy from the cover start date as long as:
Cover can start immediately if you're switching from another insurer**
Choose your cover limits
*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 won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy unless you are switching from another insurer on a like for like basis with no break in cover. Other exclusions may apply to other sections.