Cat insurance

We listened to cat owners like you to create policies you said you wanted. Thousands of owners of indoor and outdoor cats, young and old, have chosen or switched to our cover because they can see we care.

We have three main levels of cover that you can buy on our website:

• Value – £3,000 vet fee cover a year

• Regular – Up to £7,000 vet fee cover a year

• Complete – £15,000 vet fee cover a year

If you have more than one cat you can save money with our multi-pet discount of up to 15% for pets on the same policy. It’s one of the highest in the UK.

We also have a policy for cats with pre-existing conditions, as long as they haven't shown signs or symptoms, or had treatment, medication or advice in the last three months. If they have, those conditions will only be covered once they've gone a three-month period without signs or symptoms, treatment, medication or advice.

You can add our MoneyBack option to most of our policies. This unique optional extra gives 20% of your premium back if you don't need to make a claim.

Our customers have free vet video calls and a year's free pet sitting with TrustedHouseSitters membership.

We also offer a discount on our ManyPets Flea, tick and worm plan delivered to your door and you don’t even need to be a customer to benefit from this.

We made sure our policy documents are easy to read and our simple online claims process doesn’t have any forms. Find out how our claims work.

In the UK, the best cat insurance policies are the ones with a very high level of cover for vet fees. They’ll also offer a really high level of all-round protection by including features that not all policies do:

• Dental cover for accidents and illnesses

• Behavioural treatment

• Complementary treatments

• Cover if your pet’s lost or stolen

• Emergency pet minding

On our Complete policy there’s £6,000 cover to help find your cat if it's lost or stolen. In an emergency like you going into hospital, pet minding for your cat is also covered up to £2,000.

The very best cat insurance policies will include all these things as standard like we do on Complete. With some policies, you pay extra for them.

And all our cat insurance polices are lifetime. Lifetime policies have a yearly limit for all claims, so you can claim up to your policy limit every year you renew, with no per condition limit.

Some insurers offer cheaper time-limited polices, but these only cover each condition your cat develops for 12 months and then you’ll have to pay for treatment yourself, so they're not the best option for long-term or ongoing health conditions.

Pet insurance can be confusing because some companies offer a variety of policies that work in different ways.

That’s why all our cat policies are lifetime pet insurance. Once your pet's covered you’ll have a vet fee limit that you can claim up to for all conditions every year. When you renew, it resets so it won’t run out if you have to claim for something throughout your cat’s lifetime.

You might see these types of cat insurance advertised by other companies:

• Time-limited –It lets you claim up to a time limit or vet fee limit for each condition, often 12 months after the first diagnosis, whichever comes first. This means cover for that condition will run out when you hit the limit and you won’t be able to claim for it again.

• Per condition –You can claim up to the vet fee limit for each condition. Once you hit that limit you can’t claim for it again.

• Accident-only –This is usually the cheapest type of cat insurance policy but the cover is very limited. You can only claim for injuries caused by accidents, like traffic incidents or falls. It won't cover any illnesses or diseases and you'll have to pay for treatment for those yourself.

We believe lifetime cover offers cat owners more comprehensive cover. We have a range of policies and add-ons so you can create a policy that works for you.

You can see all of our policies by getting a quote.