Cat insurance

20% discount off specialist pet insurance*

*Discount automatically applied. Available for new petGuard policies.
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Cat insurance rated 4.5/5 | petGuard

Get a cat insurance quote with petGuard Pet Insurance

As a pet owner we know that your feline friends are independent, loving and part of the family. At petGuard we know you'll want to look after your pet by giving them the best cat insurance you can, with cover that will help you look after their health and wellbeing.

We can help you insure your cat or kitten with specialist pet insurance for cats. Our cover can help with contributions toward veterinary costs if your cat is injured or becomes unwell. Vet bills can be expensive, especially if you have an older cat, so we're also able to provide older cat insurance.

Our cat insurance comparison of cover can help you make the right choice when protecting your cat.

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Compare cat insurance cover

Accident Only - You can claim for your pet’s veterinary treatment in the event of an accident. This can be more affordable pet insurance for cats. The actual cost will depend on your pet.

Accident & Illness - This is the most comprehensive type of pet insurance that we provide. It covers the cost of veterinary treatment in the event of an accident or illness.

With both of our policy options, you can claim for on-going conditions so long as the policy is renewed. This is known as lifetime cat insurance. Cheap cat insurance might not provide the right level of cover, read the full policy wording here.

Our cat health insurance 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.

Over 20 years of Guardcover, supporting your passion

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Why choose petGuard?

We've been helping people protect their pets for over 20 years with 150+ 5 star reviews. We can help you get your cat the best veterinary care with a range of policies and optional extras including overseas travel cover and can offer pet insurance for older cats too. We include the below benefits as standard.

FirstVet

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

0% Monthly Payment

Spread your cat insurance costs across the year.

Up to £250 reward cost help

Lost cat cover if your cat goes missing.

Cat Insurance for your needs & budget

Why protect your cat with petGuard?

Cheap pet insurance for cats might not offer you the right level of cover should your cat become ill, it's worth reading the full policy wording to understand and compare the exact cover offered.

Get a quote

What is a vet fee limit?

We offer three levels of vet fee cover for up to £3,000, £6,000 or £12,000 per year if your cat is ill or has an accident. This will cover your vet bills up to the limit you choose. Excludes any claims within the first 14 days of purchasing cover and any pre-existing conditions.

What is multi-cat pet insurance?

If you're looking for pet insurance for two cats or more, we can provide the same cover on one policy and we’ll include a multi-pet discount. You can add up to five pets on one policy. Each pet will be covered for the same vet fee limit chosen. We are unable to offer cover to dog or cat breeders.

Can I get cat insurance for an older cat?

Yes, with our cover you can apply for insurance for an older cat no matter their 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 is the first £150, plus 20% of the remaining cost of treatment. The excess applies to each condition claimed for annually.

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Do I need insurance for an indoor cat?

It’s easy to think that if you keep your cat indoors, then you’re protecting them from illness and injury. 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.

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.

Best pet insurance optional extras for cats

Looking for the best pet insurance for cats travelling?

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 cat insurance questions

Find out more about our pet insurance for cats

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!

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 and if they’re either lost or stolen. We are currently unable to offer cat insurance for pre-existing conditions.

Pet insurance for cats can cost less than you might think, but it will depend on your cat and their age. Cheap cat insurance might give you the right level of cover, it's important to remember that the average pet insurance claim can be as much as £793. Ultimately, you have to balance the cost of cat insurance premiums against the risk of incurring a hefty vet bill.

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.

Put simply, Accident and Illness cat insurance protects your cat from accidents that may arise, as well as illness and sickness, which requires medical attention. 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.

When your cat is over eight weeks old. We cannot cover claims arising within the first 14 days of your insurance starting and we are unable to provide cat insurance for pre-existing conditions.

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. It's important to consider these when considering cheap cat insurance and whether that gives you the best level of cover. It's also worth considering whether the following when wanting to understand how much cat insurance costs:

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

If you have an older cat, they might be more likely to develop health conditions requiring cover. This is taken into account when working out the cost of your cat insurance policy.

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.

Standard cat insurance policies usually last for a 12-month period. After this time, you’ll need to renew the policy you have, if you want to keep the cover in place.

We offer three levels of vet fee cover, which means that you can be covered for up to £3,000, £6,000 or £12,000 per year. If your claim has been successful, then we can pay the agreed amount, less any excess, either:

All vet fee 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.

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

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

All vet fee 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.

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.

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.

Get a quote >

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.

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

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!

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.

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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