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Cat insurance to suit your needs and budget.

Finding the right cat insurance can be complicated, so we’ll only give you quotes for the options that suit you and your feline friend. Find out how our policies work below:

Our policies

We have 5 types of pet insurance policies, including two options for Lifetime, each with different levels of cover for the cost of vet fees.

Pre-existing conditions aren’t covered, unless they have been treatment and symptom free for more than 2 years. We consider a condition to be pre-existing if your pet showed any signs or symptoms of it before your cover start date, whether they needed treatment previously or not.

Excluded breeds

This aims to protect your cat if they have an accident. It doesn’t cover you for any illnesses or diseases they might have. If your cat has an accident, the policy offers £2,500 per year towards the cost of treating their injuries. The £2,500 limit applies to each accident your cat might have, and there’s no limit to the number of accidents you can claim for.

Each accident also has a lifetime limit of £15,000 – as long as you renew your policy. So, you can make claims over multiple years if your cat needs long-term treatment for their injuries – up to the £2,500 annual limit.

See Accident Only details

Time Limited products which aim to protect your cat if they become ill or are injured in an accident. You can claim up to a set amount for vet fees for each condition your cat might have.

Each new condition is covered for 12 months – as long as you renew your policy. The 12 months starts from the date your cat first showed signs or symptoms of the condition. Once you reach your vet fee limit – or after 12 months, whichever comes first – we won’t cover that condition anymore, even after you renew.

The annual limit for the product you choose is the most we’ll pay in total each year for all conditions.

See Time Limited details

Maximum Benefit policies aim to protect your cat if they become ill or are injured in an accident. You can claim up to a set amount for vet fees for each condition your cat might have. You can claim for as many conditions as you need to, as long as you stay within the vet fee limit for each condition. Once you reach the limit for a condition, you won't be able to make a claim for it again, even after you renew.

See Max Benefit details

Lifetime Annual Limit

Lifetime Annual Limit policies aim to protect your cat if they become ill or are injured in an accident. This policy allows you to claim up to a set amount for vet fees each policy year. You can claim for as many conditions as you need to each policy year, as long as you stay within your vet fee limit. The limit resets when you renew, and we’ll cover your cat’s conditions for as long as you have a policy with us.

Lifetime Condition Limit

Lifetime Condition Limit policies aim to protect your cat if they become ill or are injured in an accident. This policy allows you to claim up to a set amount for vet fees per policy year for each condition your cat might have. You can claim for as many conditions as you need to each policy year. This limit resets when you renew, and we’ll cover your cat’s conditions for as long as you have a policy with us.

See Lifetime details

Pet insurance premiums increase as your pet gets older, as the chance of your pet becoming ill increases. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your cat turns 10 years old.

A dog with a lady and young girl

Buying your first cat? We've got you covered

If you’re thinking of buying your first cat or getting a kitten our advice can help you prepare for their arrival:

  • A checklist to help you with every step
  • Cat advice from litter training to healthcare
Cat with average vet fee claim for 2020

How much cover do you need?

According to the Association of British Insurers, the average vet claim was £817 in 2020.

Knowing how much your cat could cost is important so you’re prepared with the right type of policy and we’re here to help with cover up to £18,000 in a year.

Photo illustration of a cat and the Joii app

Speak to a vet, any time, for free

As an Animal Friends cat customer you have access to free vet video consultations and advice, through the Joii Pet Care app.

You can speak to the veterinary experts at Joii from the comfort of your own home 24 hours a day, 7 days a week. You'll never be alone with Joii in your pocket.

Cover starts immediately if you are switching from another provider

Looking to switch insurer?

We’ll cover you immediately for new illnesses and conditions when you switch from another provider, which means you can switch providers and your pet will receive continuous cover should they become unwell.

For accidents, there is still a waiting period of two days.

Terms and conditions apply.

Cat insurance FAQs

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.

Many pet insurance companies do not cover any dental or gum treatment. Our Prestige and Assure Plus policies will cover dental and gum treatment if it was a direct result of an accident or injury.

Our Lifetime £10,000 and Lifetime £18,000 policies cover treatment for dental illness and accidents. In all cases, your cat will have needed a dental exam within a year of the injury or illness.

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 in the policy you choose.

This benefit is not available on our Accident Only policies.

We do not cover any pre-existing conditions that you cat may have unless they have been treatment and symptom free for more than 2 years.

We consider a condition to be pre-existing if your cat showed any signs or symptoms of it before your cover start date, whether they needed treatment previously or not.