Cat insurance
We offer Lost and Found cover if your cat goes missing
Included as standard on Classic and Premier cover levels.
Keep them purring with MORE THAN cat insurance
Cats are independent creatures and love nothing more than exploring the great outdoors. Once in a while, they may come home with an unexpected injury or illness that needs vet attention.
Cat insurance cover levels
Basic (Time Limited)
Classic (Maximum Benefit)
Lifetime (Premier)
Vet fees limit
Vet fees limit
Vet fees limit
£1,500 or £3,000
Vet fees limit
£4,000 or £8,000
Vet fees limit
£1,000, £2,000, £4,000 or £6,000 for each accident or illness each year
Accident cover
Accident cover
Illness cover
Illness cover
Third party liability (for dogs)
Third party liability (for dogs)
Accidental damage
Accidental damage
Dental – Accident only
Dental – Accident only
Dental – Accident and Illness***
Dental – Accident and Illness***
Emergency boarding
Emergency boarding
Lost and found cover
Lost and found cover
Optional
Pets abroad cover
Pets abroad cover
Optional
Complementary treatment cover
Complementary treatment cover
Farewell cover
Farewell cover
Optional
Optional
***Dental care up to £2,000. Your cat must have a dental check every 12 months.
After your cat has had their first check and any necessary work has been completed, we pay for treatment for tooth decay or gum disease that occurs before the next 12 month check or at the time of the next check.
- For teeth or gums that have been damaged in an accident
- If an underlying illness causes tooth decay or gum disease
- To remove teeth to treat an illness that is not gum disease or tooth decay
More about our cover levels
Basic
Also known as Time Limited. Our Basic policy provides cover for each new accident or illness for a period of 12 months from the first date of treatment or until your chosen vet fee limit is reached, whichever happens first.
Classic
Also known as Maximum Benefit, our Classic policy provides cover for vet fees up to your chosen vet fee limit for each new accident or illness. There is no time limit in which you can use your vet fee limit.
Premier
Also known as Lifetime cover, our Premier policy provides cover for vet fees up to your chosen vet fee for each new accident or illness each year. As long as you renew your policy with no break in cover, the vet fee limit is reinstated each year.
Premier policies bought before 20 March 2022
If you took out a pet insurance policy with us before 20 March 2022, different limits may apply.
If your policy has both a total vet fee limit as well as a limit per accident or illness, then both these limits will apply until notified at renewal. Depending on the level of cover selected, your policy will either be subject to a total vet fee limit of £4,000 (with each accident or illness limited to £1,000 of vet treatment) or £12,000 (with each accident or illness limited to £4,000 of vet treatment) each year.
If your policy has a total vet fee limit only, then this will remain unchanged.
More details on the vet fees limits that apply to your policy can be found in your schedule, or on your policy documents. If you're unsure, get in touch.
The experts really rate our Premier cat insurance
We got top marks from Defaqto* for giving our customers' feline friends support in their time of need.
Why choose MORE THAN cat and kitten insurance?
Whichever cover level you choose, you and your cat will receive these great benefits:
More cats, more savings
Receive a 10% multi-pet discount for each pet that you insure on the same policy with our multi-pet discount. Discounts applied consecutively.
Pets abroad cover
Pack up the whole family for your next adventure. We cover your cat for healthcare and emergency expenses in certain European countries. Optional for Basic cover. Conditions and exclusions apply.
Claims made easy
When times get tough, we can help with our easy claims process. Ask your vet to assist with your claims form and, if they agree, we can pay them directly. Excess applies.
Access to expert vet nurses
If you have any questions or concerns about your cat, you have freephone access to qualified vet nurses any time, any day with vetfone.
Ready to start a cat insurance quote?
Cover for your feline family
Cat insurance is there for you and your cat when you both need it most, giving you added peace of mind.
Complementary treatments cover
If your cat isn't feeling themselves and your vet recommends alternative treatments, such as physiotherapy or osteopathy through a qualified practitioner, our complementary treatments cover may support you both throughout their recovery. This is included with all our cover levels.
Lost and found cover
Your cat insurance and vet costs
Our in-house vet team, explains the vet costs involved in some common cat accidents and illnesses**:
"Kidney disease can be a common condition affecting older cats as part of the ageing process. Cats can also suffer with acute kidney disease as a consequence of poisoning, such as if they were to ingest antifreeze or lillies. The average claim cost for kidney disease is £942 based on 427 claims."
"Respiratory conditions in cats can affect their upper or lower airways, and they can be acute or chronic. The most common respiratory condition affecting the upper airways is cat flu, and the most common condition affecting the lower airways is asthma. The average claim cost for treating respiratory conditions is £939 based on 245 claims."
How to start a cat insurance quote
We just need a few details about you and your cat or kitten before we can give you a personalised insurance quote, such as:
About your cat or kitten
- Name
- Breed
- Date of birth (they must be at least 8 weeks old)
- Whether they've been spayed or neutered
- If they live at your home address with you
- If they are to be used for breeding purposes
- If they are healthy or have any pre-existing conditions
About you
- Name
- Age (you must be over 18)
- Address
- The date you'd like your policy to start
- Contact details
- Whether you're the owner and keeper of the cat or kitten you want to insure
- That you have had an insurance policy declared void or cancelled by an insurer
Keep all your cats covered together with multi-pet insurance
Is more than one cat roaming your house? With a multi-pet insurance policy, cover your cats under one policy and receive a 10% discount for each cat. Saving you precious time and money.
Ready to start a cat insurance quote?
Useful guides
Important information
*Our Defaqto rating applies to Premier £1,000, £2,000, £4,000 and £6,000, and Classic £8,000
**Your renewal price increases each year and your excess may increase when your pet turns 9. If a claim is paid, the price you will pay next year can double. There is no limit to how much your renewal price can increase