Cat Insurance to protect your pet
For peace of mind, make sure you have cat insurance.
Insuring cats and dogs for over 25 years.
Get 20% discount when you buy Healthy Pets pet insurance. New customers only. Discount automatically applied. Excludes fees, charges and optional extras and premium finance.
What's covered in our Cat Insurance
- Vet fees for illness and injury up to £7,500 for each condition, depending on the policy you choose
- Ongoing cover for eligible new illnesses (except accident only)
- Prompt claims payment direct to vet
- Insure your cat from only five weeks old
Looking for Kitten Insurance?
We can provide kitten insurance, for young cats from the age of just five weeks, so your new pet is protected right from the start. Please see our policy benefits for more details. Applying for a policy couldn't be easier - simply get a quote online, or telephone 01730 268 592.
Get a Cat Insurance quote
Healthy Pets Cat Insurance covers your cat for vet fees if they are treated for injury or illness including ongoing treatments.
Cat Insurance FAQs
Our Maximum Benefit policies will cover your pet for its lifetime up to the maximum amount of benefit for each separate condition (£1,000, £4,250 or £7,500), subject to you renewing your policy with us and premiums being paid up to date.
Our Lifetime policies will cover your pet for its lifetime up to the maximum annual limit (£2,000 or £4,250) and condition limit of £1,000 per condition per policy year on the Lifetime Extra or £3,250 per condition per policy year on the Lifetime Premier.
Bronze, Silver and Gold Maximum Benefit policies will cover you for eligible ongoing conditions that start after the inception of your policy, up to the maximum benefit of your chosen level (£1,000, £4,250 or £7,500) and subject to you renewing your policy with us and premiums being paid up to date.
Our Lifetime policies will cover you for eligible ongoing conditions that start after the inception of your policy up to the annual condition limit of £1,000 on the Lifetime Extra cover or £3,250 on the Lifetime Premier with an overall annual limit of £2,000 or £4,250 dependent on your chosen level. The limits reinstate when the policy is renewed subject to premiums being paid up to date.
Accident Only Cover provides £1,000 per accident for treatment costs for up to 12 months from the date of the first treatment after your pet is hurt in an accident, subject to you renewing your policy with us and premiums being paid up to date. Please see our Policy Benefits for more details.
Fixed Excess: This is the amount you must pay for each separate injury or illness in each policy year when you make a claim for your pet. Your Healthy Pets policy will cover the remaining cost of the claim or any other eligible claims for the same condition within that year, up to the benefit limit. If your pet receives treatment for the same injury or illness in separate policy years, then we will apply the excess to the first claim in each policy year.
Co-insurance fee: This is the portion of the vet fees that you are responsible for paying, in the event of a claim, once any fixed excess has been deducted. Co-insurance is commonly used in the pet insurance industry, and it helps us to reduce the cost of your pet insurance premium.
You’ll find information about the fixed excess and co-insurance fee that is applicable for your pet each policy year in your schedule of insurance. These amounts may change at renewal so it’s important to check your schedule should you need to make a claim.
Here’s an example of how it all works
Let's say you make a claim for £500 relating to treatment for your pet for a new condition, firstly the fixed excess is applied - for this example we’ll say it’s £125. Once this has been deducted the remaining amount of £375 would be subject to a co-insurance fee. In this case, you would be responsible for paying 20% of that £375, which is £75, so your contribution for the treatment would be £200 in total (£125 fixed excess + £75 co-insurance fee). The remaining costs of £300 would be covered by your policy, up to any benefit or inner limits.
You then make another claim for £500 for further treatment related to the same condition in the same policy year. In this scenario there would be no fixed excess to pay as the claim is related to the same condition, so you would be responsible for paying the co-insurance fee of 20% of the total amount of £500, which is £100. Subject to any benefit or inner limits your policy would then cover the remaining costs of £400.
Microchipping is a great way of ensuring you and your pet are reunited should you become separated.
From 10 June 2024, cats in England will need to be microchipped by the time they’re 20 weeks old and owner details should be kept up to date.
Further details of how and when to microchip your pet are available at your vets.
We will not offer insurance on any of the following breeds or any pet crossed with one of these:
- Savannah
Please bear in mind that this list is not definitive and if you do have any queries in regards to a particular breed; do not hesitate to contact us direct and we will be happy to help.
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