Cat insurance

Just because they're not out wandering, doesn't mean your cat can't get ill or injured. Cat insurance is designed to cover unforeseen vet bills to help you get the best care for your cat when they need it. Indoor cats are still prone to illness and can be exposed to hazards around the house, so it's still worth considering insurance.

There are several factors that can influence the price of your premium in including where you live and your cat's age and breed. That's why it's important to shop around when buying cat insurance to find a policy that suits you, taking both cost and the benefits included on the policy into account.

Your premium will increase each policy year, to account for increased risk as your cat ages, as well as rising veterinary costs, but unlike other pet insurers, with Petplan you'll never pay more for claiming. Our pricing approach is different to most other pet insurance and one of the reasons why over 90% of customers renew each year. Find out more about our Claims Pricing Guarantee. Get a cat insurance quote today.

Not all pet insurers provide dental cover so it's worth looking into this when shopping around. At Petplan, all our cat insurance policies cover dental as standard, provided you take your cat for an annual dental check-up, and any treatments recommended by your vet are carried out within six months.

Choosing the right cat insurance comes down to you and your cat's individual needs. Not all pet insurance is the same and making the decision that's best for you requires in-depth research. Compare pet insurance providers based on quality and breadth of cover, as well as on price; cheap pet insurance is not always the best value. Look for what's covered on the policy, how much excess you'll need to pay if you make a claim, and what the insurers' policy is on increasing premiums, especially if you claim. You should also consider your pet's individual needs and how long you think you'll need cover for. Lifetime policies will cover your pet throughout their life and are suitable for owners looking for long-term help with vet bills, such as for ongoing conditions. Time-limited policies provide short-term help with vet bills, usually for a 12-month period.

A well-chosen cat insurance policy can help you cover the cost of vet bills if your cat becomes ill or gets injured. With Petplan, you can pay your premium annually or monthly (at no additional cost). The cost of your policy (your premium) will vary depending on your cat's age, and breed, as well as where you live. As each cat is an individual, most insurers will look at these factors, plus your cat's medical history so they can make an informed decision on what they will and will not cover.

If you opt for a Petplan policy, your Certificate of Insurance will detail any exclusions (conditions that are not covered), so it's important to read this carefully and keep it somewhere safe. If your cat does fall ill or get injured you can submit a claim to your insurer, who will review it and pay you or your vet for the treatment, if it is covered. In the event of a claim you will usually need to pay an excess, the amount of which will be detailed on your policy documents.

The cover that cat insurance policies provides varies widely from insurer to insurer, as well as policy type. Some policies cover just the basics others will be much more comprehensive with a wide range of benefits beyond just vet bills. This is why prices can vary so much between providers. When researching cat insurance policies, it's important to look beyond the headlines and check if the policy will cover the essentials. Dental cover and behavioural conditions aren't always included, and some insurers might have additional limits within their vet bills cover. For example, you may find two policies that have the same vet bills limit (e.g. £4,000 per year) but one may cover significantly more conditions or treatments than the other. When it comes to cat insurance, you generally get what you pay for, so if you see a policy that is much cheaper make sure you review the details carefully.

Petplan cat insurance covers vet bills, pet therapies (such as hydrotherapy and acupuncture), and theft or loss, as standard – as well as a host of other benefits. We also cover dental treatment, provided your cat has an annual dental check-up and any treatments recommended by your vet are carried out within six months.

Most insurers won't cover things like vaccinations or neutering and pre-existing conditions may not be covered. Find out more here.

You are more likely to claim on your pet insurance than your home or motor policy. Whether your pet ventures outdoors or is an indoor cat, insurance can help you cover the cost of unforeseen vet bills if they become ill or get injured so it's an important part of responsible pet ownership. Whilst cat insurance in the UK is not a legal requirement, it can help offer peace of mind that you can get your feline friend the best care should they get sick or injured. Most cats will need vet treatment at some point during their lives, and a comprehensive cat insurance policy allows you to budget monthly for your pet's care so you don't have to worry about unexpected vet costs later on.

Petplan can pay your vet directly so you don't have to find the money first. Ask your vet if they can submit a claim on your behalf, as this is the fastest way of getting information to us. You can also click here to learn more about making a claim or find the relevant form for the treatment or incident you need to claim for.

Whichever way you submit your claim, you can monitor its progress with our online claims tracking service.

Rest assured, with Petplan, your cat insurance won't increase if you make a claim. Your premium will increase every policy year as your cat gets older and in line with increasing vet costs. However, our Claims Pricing Guarantee means that we’ll never charge you more for claiming.

Simply click here. You can get a cat insurance quote in in a few simple steps by sharing a few details about you and your pet.