Award winning cat insurance

Lifetime insurance offers ongoing vet fee cover for accidents and illnesses and can protect your cat for life, as long as you renew. 

There are two types of cover available: 

Lifetime Annual Limit 

• You can choose cover from £1,000 to £18,000 each year for vet fees.
• You can claim for as many conditions as you need to, as long as you stay within your chosen annual vet fee limit.
• The limit resets every year when you renew.
• Your cat’s conditions will be covered for life, as long as you renew your policy.
• Dental accident & dental illness cover up to £3,000 with our Lifetime £10,000 and Lifetime £18,000 policies and up to £1,000 with our Lifetime £4,000 and Lifetime £5,000 policies.
• Dental accident cover up to £750 with our Lifetime £2,000 and Lifetime £3,000 policies.
• Complementary therapy from £500 to £3,000, depending on your chosen policy. 

Lifetime Condition Limit 

• You can choose cover of £1,000, £2,000, £4,000 or £6,000 each year for vet fees.
• You can claim up to your chosen amount for vet fees per policy year for each condition your cat might have.
• The limit resets every year when you renew.
• Your cat’s conditions are covered for life, as long as you renew your policy.
• Dental accident cover up to £750 with our Superior policy.
• Dental accident & dental illness cover up to £1,000 with our Superior Plus and Prestige policies   
• Complementary therapy from £500 to £1,000, depending on your chosen policy. 

Policy terms and conditions apply.

See Lifetime details

With Maximum Benefit cat insurance, you have one fixed amount of vet fee cover for each accident or illness. You can make claims for as many conditions as you need to each year. 

• You can choose a fixed amount of vet fee cover for each accident or illness you may need to claim for.
• You can keep claiming until the fixed amount of cover for the accident or illness is reached.
• There’s no time limit for how long you can claim for each accident or illness. After the vet fee limit is reached, we won't cover the accident or illness again.
• Dental accident cover up to £750 with a Max Plus policy.
• Dental accident & dental illness cover up to £1,000 with a Max Extra policy.
• Complementary therapy between £500 and £1,000, depending on your policy. 

  Policy terms and conditions apply. 

See Max Benefit details

Time Limited cat insurance provides cover for accidents and illnesses for up to 12 months. 

• Each new condition is covered for up to 12 months, or until your vet fee limit has been reached, whichever happens first (as long as you renew your policy).
• The 12 months start from the date your cat first showed signs of the condition.
• After 12 months, or when the vet fee limit is reached, we won’t cover the accident or illness again.
• Time Limited policies also have an annual limit - this is the most we'll pay each year for all conditions you may need to claim for.
• Dental accident cover up to £750 with a Prime policy.
• Dental accident & dental illness cover up to £1,000 with a Prime Plus policy.
• Complementary therapy between £500 and £1,000, depending on your specific policy. 

Policy terms and conditions apply.

See Time Limited details

With our Accident Only cat insurance, you’re covered up to £2,500 per year for each accident your cat may have. 

• There’s no limit to how many accidents you can claim for each year.
• For each accident, we’ll cover treatment costs for as long as your cat needs care (as long as you renew your policy each year), up to a lifetime limit of £15,000.
• This cover is only for accidents. It doesn’t cover illnesses or diseases.
• Dental accident cover up to £500.
• Complementary therapy up to £500 for each accident.

Policy terms and conditions apply.  

See Accident Only details

Depending on the policy you chose cat insurance helps you to cover the cost of veterinary treatment if your cat gets injured or falls ill. It can also have additional benefits such as cover for if your cat dies or is put to sleep (if you paid for them) or if they injure someone or damage their property.

It is important to choose a cat insurance policy that best suits your needs now and in the future. We have policies that can provide cover for accidents and illnesses. If you would like to cover your cat for long-term conditions which will need treatment year after year, such as diabetes, then you may prefer a Lifetime policy. If you have a smaller budget then you may choose to have cover for accidents only or for an illness that will not last more than 12 months.

Find out which policy meets your needs by completing an online quote.

Get a quote

The cost of cat insurance can vary widely depending on several factors, including your cat’s breed, age, location, any claims history and the level of cover you choose. The price of cat insurance is influenced by the following factors: 

• Breed: Some cat breeds are prone to certain conditions, and may have higher premiums due to the potential for more frequent or costly vet visits.
• Age: Older cats often have higher premiums because they are more likely to develop health conditions in later life. This means that your policy price is likely to increase at renewal even if you haven’t made a claim. You may also have to pay a co-payment of 20% of any vet fee claim, in addition to your excess, if your cat reaches the age of 10 years or over
• Location: Where you live can also impact the cost of cat insurance. Areas with higher veterinary fees (such as London) may lead to higher premiums.
• Claims history: If you’ve made claims for your cat in the past, we may charge a higher renewal premium to account for the increased risk.
• Level of cover: The cost of vet fees, the excess and any co-payment costs will also influence the price of your policy.

To get the most accurate cat insurance price, it’s important to get a personalised quote based on your cat's specific details. There is no limit to how much your premium may increase each year, and the increase could be significant.

Most of our cat insurance policies cover dental accidents, with some covering both dental accidents and illnesses. 

• Accident Only includes dental treatment for accidents, up to £500.
  
  
• Time Limited includes:
  • Accident cover up to £750 with a Prime policy
  • Accident and illness cover up to £1,000 with a Prime Plus policy.
    
    
• Max Benefit includes:
  • Accident cover up to £750 with a Max Plus policy
  • Accident and illness cover up to £1,000 with a Max Extra policy.
    
    
• Lifetime Annual includes
  • Accident cover up to £750 with our Lifetime £2,000 & £3,000 policies
  • Accident and illness up to £1,000 with our Lifetime £4,000 & £5,000 policies
  • Accident and illness up to £3,000 with our Lifetime £10,000 & £18,000 policies
    
    
• Lifetime Condition includes:
  • Accident cover up to £750 with our Superior policy
  • Accident and illness up to £1,000 with our Superior Plus and Prestige policies.

Policy terms & conditions apply.

If your cat is lost or stolen we will pay a percentage of the amount you paid or donated for them, depending on their age, up to the cover limit amount and the policy you choose.

This benefit is not available on our Accident Only policies.

Pre-existing conditions aren't covered by our cat insurance policies. We consider a condition to be pre-existing if it was first noticed before your policy start date or within the waiting period, whether your cat needed treatment previously or not.

How we consider a condition to be pre-existing

If you noticed something was wrong with your pet before you took out the policy, it could be a sign of a pre-existing condition. This is true even if you decided not to take them to the vet. For example, if your cat was limping before the policy started, and your vet later confirmed this was due to Arthritis, we’d consider this a pre-existing condition.

Making a claim with Animal Friends is straightforward and can be done in just a few simple steps:

We offer cover for cats of all ages from 4 weeks old. However, for cats aged 10 years and over, a co-payment applies, meaning you’ll pay 20% of each vet fee claim in addition to your policy excess. This is due to the increased likelihood of health issues or injuries in older cats.

While insurance for older cats may be more expensive, it ensures your cat continues to receive the care they need as they age. For more details on our coverage for senior cats, visit our Older Cats Insurance page.

Animal Friends doesn’t offer multi-pet discounts, but we provide affordable coverage for multiple pets. Each of your pets will have its own policy, and you can choose different cover levels for each, based on their individual needs.

We keep prices as low as possible, so you get the best value cat insurance without the need for discounts. For more details, visit our multi-pet insurance page.