Cat Insurance

Cat Insurance premiums take several factors into consideration: the type of policy you pick, the breed and age of your cat, their purchase price, whether they’ve been neutered, and the area where you live.

• Age: Unfortunately, older cats are at more risk of developing illnesses than younger felines, so premiums are likely to increase with age.
• Breed: Some breeds of cat are more expensive to insure than others. Some breeds are more prone to health conditions whilst pedigree cats are more susceptible to theft than mixed breeds.
• Your address: The cost of veterinary treatment will vary depending on your postcode. Those living in high-cost areas may have to pay more to insure their furry friend. 

Most types of cat can be insured, however some exclusions may exist. Get a quote to see if your breed can be insured through Healthy Pets.

Be sure to check our excluded breed list on our FAQ page.

Kittens

Kittens can be insured through Healthy Pets once they’re five weeks old. However, some elements of kitten care are not covered by a Cat Insurance policy.

• Microchipping
• Vaccinations
• Worming tablets
• Neutering
• Flea control

Older cats

Whilst elderly cats can be insured, upper age limits are often applied to policies by insurers. At Healthy Pets we apply an upper age limit of 13 years to Cat Insurance policies. This is because older cats have a higher chance of developing an illness or having an accident.

Make sure to declare any pre-existing medical conditions when taking out your policy. It won’t be covered by your standard Healthy Pets policy. 

Pedigree cats

Healthy Pets can provide cover for pedigree breeds such as Maine Coone, Bengal and British Shorthair cats. That said, premiums may be higher as they are more expensive to purchase – they may also be more susceptible to hereditary diseases.

Please be aware that restrictions on your policy may vary by breed.

• Pre-existing medical conditions – this relates to any condition your cat has, has symptoms of, has had medication for, or has been advised by a vet about before the policy started
• Regular checkups and treatments
  • Vaccinations
  • Flea treatments
  • Neutering
  • Blood tests
  • Urine tests
  • Grooming and nail care
• Dentistry unless caused as direct result of accident or injury
• Treatments which have not been recommended by a vet
• Costs associated with pregnancy or giving birth

For full details of all exclusions, please refer to the policy wording. 

No – your policy won’t cover the cost of microchipping.

As of 10^th June 2024, cats in England need to have been vaccinated by the time they reach 20 weeks old – and all owner details must be kept up to date. Ask your vet for further details on microchipping.

Luckily, many of the most common health problems in cats aren’t very serious. You can easily treat fleas or ear infections yourself following advice from your vet. Broken bones, kidney disease, diarrhoea and dental issues are also pretty common. Check your policy’s terms and conditions to see our exclusion list.

As outdoor cats tend to mix with more animals and eat things they shouldn’t, they also tend to be more prone to illnesses. That said, most resulting conditions can be treated if discovered soon enough. Make sure to recognise your cat’s usual behaviours so that you can identify if anything seems out of the ordinary.

Depending on your chosen level of cover, your cat may be covered if it’s taken abroad. Cover includes:

• Vet fees
• Maximum trip length per year (length varies depending on your chosen cover – check your policy documents)
• Delayed or cancelled holidays due to pet illness

That said, the policy will not cover:

• Treatment of illnesses which were known prior to travel
• Accommodation or expenses for more than one person
• Travel outside of the EU

Please note that cover for travel abroad is not included in our Select or Accident Only Cat Insurance policies.

Please check your cover before travelling.

If your furry friend is injured or falls ill and requires vet treatment, this will be covered by your Cat Insurance policy (limitations and exclusions apply – please check your policy wording for details). Complementary treatments such as hydrotherapy, physiotherapy and osteopathy may also be covered.

Yes – Cat Insurance will cover dental care following an accident or injury. However, dental treatment due to illness or a lack of routine preventative dental care will not be covered. Cover limits apply.

Through Healthy Pets, a feline with existing health conditions will be covered for future injuries and accidents, but not for treatment of pre-existing conditions, including any your cat has shown signs or symptoms of. Please refer to your policy documents for full details.

Once your cat reaches a certain age, co-insurance payments will come into effect on your Pet Insurance policy. Check your policy wording each year for details.

Paid alongside your compulsory fixed excess, the mandatory co-insurance payment is an amount you will put towards the cost of your insurance claim. Your co-payment amount may change at renewal, so please make sure to check your schedule for the latest figure when the policy renews, and also if you need to make a claim.

Some policies allow you to include co-insurance from birth if you wish, and others let you choose a different excess. Once co-insurance is added to your cover, it will remain for the duration of the policy.

So, how does it work?

1. You put in a claim for £499 to treat your 6-year-old cat for a new condition
2. If you have a Maximum Benefit policy you’ll pay a fixed excess of £125, leaving a vet bill of £374
3. You then pay a co-insurance of 20% from the vet bill after the fixed excess has been deducted of £74.80
4. This means your insurer pays the outstanding balance of £299.20
5. In total, you pay £199.80 (fixed excess plus 20% co-insurance payment)

The idea of adding compulsory co-insurance payments to your Pet Insurance policy is to try and help keep premiums lower. 

Please visit our claims page to request a claim form by phone, email, or by using our online request form. Please have your insurance documents ready when you call, as they will include your policy number and other important information.