Compare cat insurance using our comparison table and find the best cover for your friendly feline. Whether you have a kitten, tabby or a moggy, having the best pet insurance cover in place can give you peace of mind in case your beloved pet gets sick, requires treatment or go missing.
It is not compulsory by law to have cat insurance, but being able to access fast treatment for your pet can help them get the medical attention they deserve – and if it ends up becoming very expensive, you could find that a lot of treatment, physiotherapy and overnight stays are covered by your insurance.
Types of Cat Insurance Policies
There are four main categories of cat insurance, all providing different levels of cover. These are:
- Time limited policies: For a limited time e.g 12 months
- Accident only policies: For accidents only, this is a bit more restrictive
- Lifetime policies: A premium policy for an unlimited time
- Maximum benefit policies: Can claim year-after-year for same condition, but has maximum claim limit
What Does Cat Insurance Cover?
Cat insurance covers the following circumstances:
One of the main things that cat insurance can cover you for is vet treatment fees, so you can claim back the cost of any vet bills you have been charged for.
In terms of the kind of vet treatment a cat insurance policy can cover, this typically includes:
- Accidental injury
- Physiotherapy (only if referred by a vet)
With certain policies offering up to £12,000 a year worth of cover, you are usually advised to get as much cover as you can through our policy.
Death of Your Pet
Many cat insurance policies will provide cover if your pet needs to be put to sleep by a vet due to an accident or illness.
In terms of cover, try find a policy that provides either the current market value or the purchase price of your cat.
Lost and Found Cover
It is possible to get cat insurance that will pay you the purchase price of your animal if they go missing due to being stolen or straying. You will need to report the cat missing to the police.
When looking at insurance cover, aim to find an insurer who will be willing to pay the purchase price, as well as up to £2,000 for the cost of advertising or a reward.
If you the owner needs to go into hospital or care, this insurance policy can pay for a cattery to look after your cat whilst you are unable to care for them.
Currently the maximum level of cover is approximately £1,500 for boarding fees – and again it is recommended to try get the maximum possible.
Foreign Travel Cover
If you take your cat away with you, can get vet fees covered if you need to seek medical attention for your overseas. You can get cover for up to £2,000 worth vet treatment fees.
Cat Insurance FAQs
Does cat insurance include complementary treatments following an injury? Yes, some cat insurance policies will provide cover for homeopathy, osteopathy, hydrotherapy or acupuncture if your cat needs these treatments following an injury or accident.
Do cat insurance policies include dental treatment? No, dental treatment for cats is not always included, therefore always check the terms and conditions of any cat insurance policy you are considering carefully if you would like this type of cover in your policy.
Can I claim for the advertising of a lost cat? Yes, many insurers who provide cat insurance also will allow you to claim the cost of advertising for your lost cat.
When do most cat insurance policies pay out for boarding fees? Typically, insurers will only be willing to pay out if you have been in hospital for at least four days.
Can I claim if a friend or family member has to look after my cat when ill? Yes, but not all insurers will pay out if a friend or family has to look after your cat whilst you are in hospital, so always check the terms and conditions.
Can cat insurance cover the cost of pet repatriation or holiday cancellation? Yes, it is possible for cat insurance to cover the cost of repatriation or holiday cancellation if your cat becomes seriously ill when you are abroad.
Can I get cat insurance if my pet has a medical condition? It may be much more difficult to find cover, as not all insurers will cover cats with medical conditions. If they do, it may be considerably more expensive.
Are there any exemptions to death cover with cat insurance policies? Yes, some insurers may stop providing death cover once the pet has reached a certain age, usually around eight years old.
Are there any exclusions for cat insurance? Yes, if your cat is very old, this may not be coverable by certain insurers. In addition, your cat may not be insurable if they have pre-existing medical conditions and you will also need to check that the specific vet you have in mind can be covered.
Follow the link for more details on how to compare pet insurance.