Bengal cat insurance

20% discount off specialist cat insurance*

*Discount automatically applied. Available for new petGuard policies.
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Specialist Bengal cat insurance from petGuard

Protect your Bengal cat with the right cover

Exotic in appearance, Bengal cats love to spend time with their human companions, but they also have bundles of energy! They need to keep their minds active, so require plenty of attention and playtime. They also love water, so don't be surprised if you find them playing in your bath or shower!

Over 20 years of Guardcover, supporting your passion

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What's included in your Bengal cat insurance?

See how petGuard can protect you and your Bengal cat

20 Years of Experience

We know what it takes to protect the things that matter to you.

FirstVet

Free access to the FirstVet service 24/7 - 365 days a year.

0% Monthly Payment

Spread your payments across the year at no extra cost.

UK Customer Service

Our customer service team is ready to help you with all your questions.

Online Account

Your online account is an easy way to access and manage your policies 24/7.

Multi-pet Discount

Cover multiple pets on one policy, saving you time and money.

Specialist insurance for Bengal cats from petGuard

Why protect your Bengal cat with petGuard?

Our insurance for Bengal cats is designed to make things easier. Take a look at what we can do to ease some of the stress of looking after your Bengal cat. 

Get a quote

How does our vet cover work?

Three different levels of vet fees cover for your Bengal cat, £3,000, £6,000 or £12,000 towards your annual vet fees if your Bengal cat is ill or has an accident. Excludes pre-existing conditions and any claims within the first 14 days of purchasing cover.

Need somewhere for your Bengal cat to stay?

Suffered an accident that requires emergency treatment? If you can’t look after your Bengal cat then we can cover the cost of daily minding or boarding fees of up to £1,500 while you’re on the mend.

Have more than one pet?

Include more than one dog or cat on the same policy and we’ll automatically include our multi-pet discount. You can include up to five pets on the same policy and they will each be covered for the same vet fee amount that you have chosen. Sorry, we can’t offer cover to dog or cat breeders.

Holiday cancelled last minute?

Have you had to cancel or cut your holiday short because your Bengal cat is seriously ill? We can provide up to £5,000 towards the cost of a cancelled trip if your Bengal cat has gone missing or fallen seriously ill. Exclusions apply to conditions and illnesses.

Need help looking for your Bengal cat?

If your Bengal cat is missing, then we’ll do what we can to help. Our cover includes the cost of missing pet posters, local advertising costs and even a £250 reward. Your Bengal cat must have been missing for over 24 hours.

Optional benefits - Cat breeds

Optional extras for your Bengal cat

Overseas Travel - We can help with the cost of vet fees abroad, as well as providing up to £1,500 to cover emergency expenses. Maximum 60 days cover per trip.

Some of the cat breeds that we cover

Find out which types of cat we cover

Frequently asked questions about Bengal cat insurance

Want to find out more about our Bengal cat insurance?

Got a question about our cover for your cat? Or want to know more about cats in general? We’ve answered a few questions for you here!

On average, Bengal cats can live anywhere between 10 to 15 years. Like many cats, Bengals are prone to developing health conditions such as, Hip Dysplasia, Hypertrophic Cardiomyopathy (HCM), Patellar Luxation and Flat Chested Kitten Syndrome.

Bengal cats are known for being medium to large in size, and can range between 13 to 16 inches in height, and weigh between 8 and 15 pounds.

Because Bengal cats are very active and often need plenty of stimulation to keep them occupied, leaving them alone at home for long periods of time is not advisable, as they may become destructive.

Cat insurance helps cover the cost of veterinary treatment if your cat falls ill or suffers an injury. Some cat insurance providers will also pay you a lump sum if your cat passes away, if they’re either lost or stolen, or if they cause damage to another person’s property.

If your cat were to develop an ongoing health condition, the amount of money you would need to pay in vet bills could rise considerably. The question you need to ask yourself is, if my cat gets ill or injured long-term, how will I find the money to pay for all the treatment they need?

Cat insurance isn’t mandatory but may be worth considering. Think of it as a financial safety net that’s there to protect you against unexpected costs. After all, you never know when your cat could fall ill or suffer an injury.

The average pet insurance claim can be as much as £793, but that amount can run into the thousands if your cat were to develop an ongoing condition. Ultimately, you have to balance the cost of cat insurance premiums against the risk of incurring a hefty vet bill. But keep in mind that as your cat gets older, it may be more likely to fall ill, which in turn can raise the cost of your cat insurance.

It’s easy to think that if you keep your cat indoors, then you’re protecting them from illness and injury. But that’s not always the case. Cats that spend too much time indoors can suffer with obesity, diabetes, urinary conditions and exposure to household toxins.

Like most animals, cats need to exercise for their physical health. Lack of exercise can lead to boredom and stress, which in turn can have a negative impact on your cat’s health. For example, if you cat is not getting enough exercise, they can start to put on weight. Just like humans, excess weight is harder to shed the older your cat gets.

Another big health risk in indoor cats is what’s known as Feline Lower Urinary Tract Disease , or FLUTD for short. FLUTD mostly occurs in older, overweight cats that don’t exercise enough, or that don’t consume enough fluids as part of their diet. If FLUTD is left unchecked, it can result in a urinary tract blockage, something that could be life-threatening to your cat.

So, whether you choose to keep your cat indoors or out, it’s worth thinking about getting cat insurance. Even if your cat stays mostly indoors, there’s always the possibility that they could fall ill.

Insurance for your cat can start as soon as possible! Our cover starts for cats and kittens aged eight weeks and over.

We cannot cover claims arising within the first 14 days of your insurance starting and pre-existing illnesses and conditions are not covered.

There are various factors that can affect how much you pay for cat insurance. For example, protecting your cat on an accident only policy can keep the cost down. But there are other factors too, including:

Where you live

Veterinary treatment prices vary up and down the country. So, if you live somewhere where vet costs are higher, you can expect to pay more for your cat insurance.

How old your cat is

As you might expect, older cats are at a higher risk of developing a health problem. So, the older your cat the more expensive your cat insurance is likely to be.

What breed your cat is

If you own a pedigree cat, it’s likely you’ll have to pay more to insure it. Some cat breeds are more prone to certain illnesses, which again is likely to up your premiums.

At petGuard, we offer cat insurance designed to provide pet owners like you with a range of useful benefits, including:

  • Cover towards the cost of vet bills
  • Emergency boarding if you’re hospitalised and unable to care for your cat
  • Multi-pet discount if you put more than one pet on the same policy
  • Holiday cancellation – if you have to cancel your trip because your cat falls ill or gets injured
  • Up to £250 in reward costs for a lost cat

Note: Excesses, terms and conditions apply. Click here for full details.

Some cats love to wander and some love to stay at home. Whether your cat is a house-cat or not, it may be worth getting insurance for your cat to help with the cost of unexpected vet fees.

You can choose from either our Accident Only cover or our Accident and Illness cover and get up to £12,000 towards annual vet fees for your cat.

Our cover starts for cats over eight weeks of age. We cannot cover claims arising within the first 14 days of your insurance starting and pre-existing illnesses and conditions are not covered.

Before you start looking for cat insurance you should think about:

Your cat's age

It can be harder to get cat insurance when your cat is older than eight years old, or younger than eight weeks old. At petGuard, we can start to provide cover for puppies aged over eight weeks old.

Pre-existing conditions

petGuard is unable to cover any pre-existing condition your cat might have.

How many pets you have

If you have more than one pet, it’s worth asking whether you can have a discount for including more than one pet on your cat insurance policy. You can get a multi-pet discount if you include more than one pet on the same policy (up to five pets maximum) here at petGuard!

Put simply, Accident and Illness cat insurance protects your cat from any accidents that may arise, as well as illness and sickness, both requiring medical attention. Accident and Illness insurance is suitable if you want some financial protection against the cost of vet bills, should your cat fall ill or suffer an accidental injury.

Accident Only cat insurance is suitable for you if you only want to cover yourself against the cost of vet bills, should your cat suffer an accidental injury only, not if your cat falls ill. Some people choose Accident Only cat insurance while their cat is still a kitten and less at risk of developing a health condition.

You never know what’s around the corner. If your cat were to fall ill or get injured, could you cover the cost of the vet bill? If your cat is older and the illness or injury turned into a long-term condition, the costs could spiral. All things considered it might be best to cover your pet sooner rather than later. Just be aware that there are some restrictions around when you can get your pet insured. At petGuard, we can start to provide cover for cats aged over eight weeks old.

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Yes! With our pet insurance we can cover older cats. If you’re looking to get insurance for your feline friend, or whether you’ve recently adopted an older cat, then we can provide you with cover.

What about cats over eight years of age?

If you’ve got a cat over eight years of age and you’re making a claim for their vet fees, then the excess that you must pay for each condition annually is:

  • The first £150
  • Plus 20% of the remaining cost of treatment

Most cat insurance providers, including petGuard, are unable to cover your pet if they have a pre-existing medical condition.

Multi-pet insurance covers all of your pets under one policy. You can get a multi-pet discount if you include more than one pet on the same policy (up to five pets maximum) here at petGuard!

If you’ve got dogs and cats at home, then why not look at multi-pet insurance?

Instead of having each of your dogs and cats on different pet policies, with our multi-pet insurance you can save any hassle and take advantage of our multi-pet discount. You can cover up to five pets on one policy. We are unable to insure dogs and cats that are used for breeding purposes and pre-existing illnesses and conditions are not covered.

You can get cat insurance for your Persian cat through petGuard.

Click here to get a quote >

You can get cat insurance for your Ragdoll cat through petGuard.

Click here to get a quote >

You can get cat insurance for your British Shorthair cat through petGuard.

Click here to get a quote >

You can get cat insurance for your Siamese cat through petGuard.

Click here to get a quote >

You can get cat insurance for your Sphynx cat through petGuard.

Click here to get a quote >

Standard cat insurance policies usually last for a 12-month period. After this time, you’ll need to renew your cover.

Six reasons to choose petGuard for cat insurance

  • We have over 30 years of experience
  • You can choose the cover that suits you and your budget
  • We don’t charge you extra to pay monthly for cover
  • UK customer service – our UK-based team are on hand to answer your questions
  • Easy online account – you can log-in anytime to access and manage your policy
  • Multi-pet discount – save money when you cover more than one pet 

How does our vet cover work?

We offer three levels of vet fees cover for your cat, £3,000, £6,000 or £12,000 towards your annual vet fees, if your cat falls ill or has an accident. This excludes pre-existing conditions and any claims within the first 14 days of purchasing cover.

Emergency Boarding

If you fall ill or suffer an accident that requires hospital treatment, your cat may need somewhere else to stay. We can cover the cost of daily minding or boarding fees, up to £1,500, while you’re in hospital. Cover applies for hospital stays of more than four consecutive days.

Multi-pet Discount

Include more than one dog or cat on the same policy and we’ll automatically apply a multi-pet discount, saving you money. You can include up to five pets on the same policy and they’ll each be covered for the same vet fee amount that you have chosen.

We cannot provide cover to either dog or cat breeders.

Holiday Cancellation

We can provide up to £5,000 towards the cost of a cancelled trip if your cat goes missing or falls seriously ill, up to 7 days before you leave. Exclusions apply to conditions and illnesses.

Reward Costs

If your cat is missing, we’ll do what we can to help. Our cover includes the cost of missing pet posters, local advertising costs and up to £250 for a reward. Your cat must have been missing for over 24 hours.

With petGuard, you also have the option to extend your cover if you take a trip overseas with your cat.

Overseas Travel cover

This can cover your vet fees in Europe and can also cover holiday cancellation and quarantine costs. Maximum of 60 days per trip and your cat must meet the requirements of the Pet Travel Scheme.

Not all providers offer these benefits, so it’s a good idea to check the policy before you apply. Keep in mind that adding extra cover will up the amount you have to pay. So, think carefully about whether you really need it first.

Your pet's age

We will not pay claims for any pet under eight weeks of age.

The use of your pet

We will not pay claims for any pet being used for breeding purposes.

Pre-existing conditions

We will not pay for any pre-existing conditions that have been investigated, treated or you have seen symptoms of before the start of your policy.

We will not pay claims under any section excluded on the policy wording. Click here to find out more.

Your pet must be eight weeks old at the start date of cover. There is no maximum pet age to apply for this insurance, but there are age limits on cover sections.

Death due to illness is limited to pets under five years of age at the time of the incident. Full details are found in the policy wording.

Provided that you have chosen our Accident and Illness cover we will refresh your veterinary fees benefit each year allowing you to claim for ongoing conditions on your pet insurance for as long as we are able to offer a renewal and you renew without a gap in cover.

Yes. Depending on the type of cover you select we are able to cover treatment provided that it is related to an injury or illness.

No, we cannot provide cover for pets that are used for breeding. There are special policies for their specific risks, and we suggest you speak to your vet or local insurance broker for help finding suitable cover.

We offer a choice of three annual benefit levels. You can insure up to the chosen limit each year and provided that we are able to offer renewal and you renew without a gap in cover the benefit will be reinstated for the next period of insurance. This means that you can claim for chronic or ongoing conditions such as arthritis, diabetes, heart, or skin conditions whilst the policy remains in force.

Yes. You must be a UK resident and domiciled in the UK.

Yes there is an excess you will need to pay in respect of each illness or injury for which you wish to claim each year. These are as follows:

Veterinary Fees

For each illness or injury arising during each period of insurance your excess will be:

  • For pets under eight years of age at time of treatment: The first £150.
  • For pets older than eight years of age at time of treatment: The first £150 plus 20% of the remaining cost of treatment.

Holiday Cancellation - The first £75 of the claim

Accidental Damage to Third Party Property The first £75 of the claim

Accidental Damage to Pet Accessories - The first £50 of the claim

Emergency Expenses - The first £50 of the claim

Third Party Liability The first £250 of property damage claim

We need some details about you and the pet you wish to insure together with either bank account or debit/credit card details for payment of the premium.

We look at a number of factors including the age and breed of the pet, the risk of chronic or recurring conditions associated with certain breeds, the area the pet lives in and any claims history.

You can choose to pay in full by credit or debit card. Alternatively, you can take advantage of our interest free monthly payment option and simply spread the payments out, without any additional cost.

This is something we are able to do provided that your vet is happy with this arrangement.

If you need to make a claim (excluding Third Party Liability claims), then feel free to contact our UK-based claims team. Once you've made a claim, we can keep you updated regularly by text or email.

Make your claim by either calling Covea Insurance on: 0333 130 4534 or email: claims@petadminteam.com

For Third Party Liability claims, contact Ageas Insurance Ltd on: 0345 415 0495

For Dog Liability claims, please contact Ageas Insurance by either phone: 0345 415 0495 or email: commercialclaims.eastleighteam@ageas.co.uk

As the insurance policy is a legal agreement between us and the policyholder, we can only set up a policy with the person who will be named as the policyholder.

Travelling with your pet within the European Union is due to be affected by developments regarding Brexit. Her Majesty’s Government has clarified that until an agreement has been reached between the United Kingdom and the European Union you will need to follow the guidance set out below for any pet that travels overseas from 1st January 2021. More details on the current guidance and requirements for travelling abroad with your pet can be found in our section on How will Brexit affect travelling with my pet?

  1. Ensure your pet is microchipped
  2. Have your pet vaccinated against rabies. It is advised that your pet has a blood test at least 30 days after the rabies vaccination or booster to ensure the rabies antibodies are present
  3. Wait three months from the date the successful blood sample was taken before you choose to travel. You will need to ensure your vet gives you a copy of the test results and records the date the blood sample was taken on your Animal Health Certificate (AHC).

Please be advised that you will not be allowed to travel with your pet if you have not completed the steps above.

If your pet's blood test result is unfortunately unsuccessful, you’ll need to repeat the vaccination and the process above until it is successful before your pet is able to travel.

If you have any queries relating to any future travel you may have planned, please contact your vet. You can also view the Government guidance on pet travel here. It is important that you follow all up to date Government guidance when traveling abroad with your pet.

With our optional Overseas Travel cover, you can get travel insurance for your pet so that you don’t have to leave them behind when you head away. We can help with the cost of vet fees abroad, as well as providing up to £1,500 to cover emergency expenses (maximum 60 days of cover per trip). Overseas Travel can be a useful option if you are planning to take your pet on holiday with you, providing your pet complies with the Pet Travel Scheme (PETS). This allows you to travel with your pet to anywhere in Europe (including Channel Islands consisting of the Bailiwick of Jersey and the Bailiwick of Guernsey Isle of Man and the Republic of Ireland).

You can read more about our optional Overseas Travel cover and how Brexit is affecting travelling with your pets from January 1st here.

To help reduce the stress levels in your cat or dog, traveling by car or train is usually the better option. If you have no choice but to travel by plane, flying is still a safe option for your pet. However, traveling by car does allow pet owners to keep a much closer eye on their pets, with the added bonus of being able to pull-over for breaks as often as you want. When traveling by train or plane, there will be tighter restrictions on where your pet can sit, how often (if they can in fact) move around, and with more people traveling alongside you, your pet could become increasingly stressed.

Before traveling on any long journey, carefully consider what the best form of transport for your cat or dog would be, and how you feel they would cope on the journey.

Most airlines will allow you to take a cat or dog on the plane, either in the cabin or down below in cargo. Before booking your flight, check with the airline that they can in fact, fly your pet. You may have to book in advance, with some airlines charging additional fees for traveling pets.

Your pet will need pet travel documents before they can fly, as this will need to be presented to the airline when checking in your pet. Depending on where your pet is flying from and where they are flying to, they will need to have certain vaccinations and treatments for illnesses such as rabies or tapeworm. You will most likely need to proof of the vaccinations and treatment from your vet.

If you’re traveling abroad, or simply going away for a few days in the UK, it’s still a good idea to prep your pet for the journey. Such preparation measures could help reduce the stress levels in your pet, help you understand how best your pet travels, and help make the journey that little bit easier for both you and your pet.

  • Before taking your pet on any long car journey, take them on short drives close to home, while slowly increasing the amount of time spent in the car. This will not only help them get used to being confined in a car, but it could help them overcome travel sickness if they suffer from it.
  • Avoid feeding your cat or dog right before traveling, as the motion of the car, train or plane could upset their stomach. Make sure they have plenty of water, so they are well hydrated.
  • Before any long journey, consider the health of your pet. Are they fit and healthy enough to travel? Make sure they are up to date with their vaccinations and treatments and be sure to check if they need any additional ones, as this could be a requirement of certain countries or airlines.
  • To help ensure your pet is comfortable while traveling, make sure they have plenty of water, (food but depending how well they travel on a full stomach), toys to keep them occupied, and a comfortable place to sleep and rest. Most importantly, they need to be secured while traveling, whether it be in a crate that is large enough for them to sit in, stand and move around in, or strapped in using a proper pet seat belt for the car.

If you don’t want to take your cat or dog on holiday with you, then why not consider the following instead:

  • Leave your pet with a friend or family member
  • Have a qualified pet-sitter come around to your home, to feed, walk and check-up on your pet
  • Take your pet to a reputable kennel or cattery

Making a claim with petGuard

We’ve made making a claim so easy

If something has happened to your pet, then we're very sorry to hear it. If you find yourself needing to make a claim against your policy, then we'll tell you what your next steps are and how you can get in touch with us.

1. Get in touch

If you need to make a claim (excluding Third Party Liability claims), then feel free to contact our UK-based claims team. Once you've made a claim, we can keep you updated regularly by text or email. Make your claim by either calling Covea Insurance on: 0333 130 4534

Alternatively you can email:

claims@petadminteam.com

 

2. Worried that your pet is lost or stolen?

Cat owners will need to contact local rescue centres within 24 hours of your cat going missing. Dog owners must contact the police immediately if you suspect your dog has gone missing or has been stolen.

3. Make your claim

If your claim has been successful, then we can pay the full amount either:

  • Straight into your bank account so you aren't left out of pocket, or;
  • To your vet if this is more convenient for you

All claims are handled in the UK by Covea Insurance. While your claim is being dealt with, you can receive regular updates on its progress via email or text message.

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Your policy document explorer

Documents apply to all pet insurance policies purchased from 27/09/2020 onwards.

Existing customers: If you purchased your policy before the date shown above, you can log into your account where you can view, amend, and renew your documents here. If you have not already signed up for an account, then you can register here.

If you purchased your policy before 23rd September 2019, please contact us on: 0345 450 7042

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