Cat Insurance to Protect Your Pet
No matter how well you look after your cat, one in three will suffer from an accident or illness requiring veterinary treatment each year. To ensure the best treatment, make sure you have cat pet insurance.
Insuring cats and dogs for over 25 years.
Healthy Pets provides a 20% discount for all new clients as standard.Get a quote
What's Covered in our Cat Insurance
- Vet fees for illness and injury up to £7,500
- Competitive premiums from pet specialists
- Ongoing cover for eligible new illnesses
- Prompt claims payment direct to vet
- Insure your cat from only five weeks old
Our cat insurance can pay up to £7,500 for each condition, depending on the policy you choose. We can cover your cat or kitten for its lifetime, including ongoing conditions.
We can provide kitten insurance, for young cats from the age of just five weeks, starting at only £3.91 a month, 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.
Get a Cat Insurance Quote
Get a 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 can pay up to the policy limit (£1,000, £4,250 or £7,500) for each condition, dependent on the cover selected. There is no limit on the number of conditions you can claim for over the policy lifetime. There is also no time limit on claiming for a condition, however cover for a condition will cease once the Maximum Benefit for it has been reached.
Our Lifetime pet insurance policies can pay up to the annual limit (£2,000 or £4,250) in each period of insurance. The Lifetime Extra policy is subject to a maximum of £1,000 for each condition in each policy year. The Lifetime Premier policy is subject to a maximum of £3,250 for each condition in each policy year. There is no limit to the number of conditions you can claim for over the policy lifetime.
Our Accident Only policy can pay up to the policy limit (£1,000) per accident over a 12 month period, subject to you renewing your policy with us and premiums being paid up to date. Cover for an accident will cease once the financial limit has been reached or after 12 months from the date of the first treatment, whichever comes first. There is no limit on the number of accidents you can claim for over the policy lifetime.
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.
Third party liability cover is not applicable on cat policies.
We cannot cover any conditions which your pet has had symptoms of or received treatment, medication or advice for at any time prior to the policy or any signs, symptoms and conditions presented within the first 10 days of inception of your pet insurance and will exclude them at the start of the policy. This will not affect your premium and there is no small print catch with Healthy Pets. See the Specimen Policy for more details.
Healthy Pets plan for the future. We will cover your pet for veterinary fees for its lifetime providing you renew your policy each year! If you've got an older cat, aged 12 or under, we can start a policy for you. Once your cat is insured with us, we will continue to insure them, subject to you renewing your policy with us and premiums being paid up to date.
There are times when alternative remedies may be viable options. Healthy Pets covers this within our veterinary treatment benefit when recommended by your vet. Complementary medicine treatment is usually limited to an inner limit as stated on your policy documents.
We can either pay the policyholder or your vet direct, providing your vet is agreeable to this. Claims are usually assessed within ten days of receipt of a completed claim form.
- All pets under the age of five will pay a fixed excess of £99.
- All pets aged between five and six will pay a fixed excess of £99 + a 15% co-insurance fee.
- All pets aged six or over will pay a fixed £100 excess + a 20% co-insurance fee.
Co-insurance is commonly used across the pet insurance industry as a way to reduce premiums for aging pets. It is a contribution paid by the policyholder towards the amount claimed that is in addition to the fixed excess.
For all claims, the excess you pay is for each injury or illness in each policy year. If your pet receives treatment for the same injury or illness in separate policy years, we will deduct the fixed excess from the first claim(s) for each in each policy year.
Microchipping is a great way of ensuring you and your pet are reunited should you become separated. 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 the below:
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.
Unfortunately we are unable to offer insurance for any cats that are over 13 years of age at the time of quotation with Healthy Pets.
Our pet insurance products
Our pet insurance products
There are a number of good reasons to take out a Kitten Insurance Policy. To ensure the best treatment, make sure you have kitten pet insurance.Kitten Insurance
There are a number of good reasons to take out a Cat Insurance Policy. To ensure the best treatment, make sure you have cat pet insurance.Dog Insurance
There are a number of good reasons to take out a Puppy Insurance Policy. To ensure the best treatment, make sure you have puppy pet insurance.Puppy Insurance
Read Pet Insurance Articles
Cat Insurance Guide
Find out more about what cat insurance policies cover with Healthy Pets Insurance.Read More
Cat Care in Summer Months
If you are going away on holiday and your furry friend is staying in a catteryRead More
Healthy Pets Receives Feefo Platinum Trusted Service Award 2021
Healthy Pets Insurance has won the Feefo Platinum Trusted Service award, an independent seal of excellence that recognises businesses for...Read More