Cat Insurance

Protecting your furry friend

  • 98% claims paid *
  • 24/7 vet video consultations
  • Claims paid directly to vets
  • Interest free payments
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Our Cat insurance cover levels

As award winning pet insurance specialists we’ve designed 15 levels of cover, giving you the freedom to choose what’s right for you and your cat. Just click the options below to find out more.

Defaqto 5* rating applicable to Dog vet fees from £6000+ and Cat vet fees from £8000+.

The Purely Pet Promise

At Purely, we’re here to support you. That’s why all Purely Pets Customers get access to unlimited video consultations 24/7 with a qualified vet. Our easy to use online portal ‘Manage My Policy’, enables you to access your policy 24hrs a day. This provides greater flexibility, allowing you to manage your policy at a time that suits you, so that you can spend more time with your furry friends, and less time managing your insurance. Get a quote

Owning a cat benefits our lives in so many ways. They can help to reduce our stress levels, provide companionship and can even improve your sleep quality.

Our feline friends contribute so much to our lives and it can be extremely worrying if they're sick or injured. That’s why at Purely Pets we offer cover that enables you to provide them with the care they need to make a swift recovery, so that they can get back to prowling round the garden, tucking into their favourite treats or lying in that special sunny spot in the living room.

Want to find out more about our Cat Insurance Product? 

We’ve listed our key benefits below and you can also take a look at our cover levels, customer reviews and awards.

Ready to get started and get a quote?

Why choose Purely Pets?

24/7 Free Video Calls with a Vet

24/7 Video Calls with a Vet

Flexible Excess Options

Flexible Excess Options

Direct payment to vet

Direct payment to vet

Payments made direct to vet

Payments made direct to vets

Lifetime Cover up to £15,000

Lifetime Cover up to £15,000

No upper age limit

No upper age limit

What is covered by cat insurance?

When selecting an insurance plan for your furry friend, it's important to consider the following:

  • Veterinary fees and treatment

Pet insurance often covers the cost of vet-related services such as examinations, medications and emergency care which your cat may require in the event of an accident or illness. If you would like to learn more, please review our policy conditions.

  • Death by accident, illness or injury

This helps to reimburse you as the pet’s owner the purchase price of your pet. In the event that your cat passes away by accident, illness or injury. 

  • Loss by theft or straying

When selecting an insurance policy, it is essential to review the details carefully to ensure that the plan provides coverage for the theft of the pet.

With Purely Pets' Silver and Gold Lifetime cover products, you can claim up to £2,000 for advertising costs or a reward for the loss due to theft or straying, However, lower limits are available on the Bronze Lifetime cover.

  • Emergency boarding fees

The cost of boarding varies based on the type of kennel your cat is being kept in and the services that they provide. Generally, emergency boarding fees may cover the cost of food, bedding, and basic amenities in the event that you are hospitalised.

Additional services such as grooming, walking, and playtime may also be included in the total cost, so it's important to research your options to make sure you're getting the most out of your money.

Here at Purely Pets, our Gold Lifetime coverage offers a boarding fee cover of up to £2,000. Boarding fees cover up to £2,000, should you or a residing family member be hospitalised for more than 96 hours during the policy period.

Our policy wording outlines when such fees can be claimed.

  • Dental cover

Dental cover typically covers the cost of any necessary treatment related to your pet's teeth, gums and mouth, including the cost of any required medication.

Here at Purely Pets, we cover dental treatment for accident only in year 1 and from year 2 onwards, we also cover dental illness*. For more details, please read our policy wording by clicking here.

With Purely Pets' Silver Lifetime cover products, you can claim up to £2,000 on dental treatment.

*Subject to annual health checks

What isn’t covered by cat insurance?

  • Pre-existing conditions

A lot of insurers will not cover pre-existing conditions. A pre-existing condition is a medical condition or injury that a cat has shown signs or symptoms of already, prior to your cat insurance policy starting, even if the condition has not yet received a diagnosis.

Neutering is the process of removing a male cat's testes, while spaying is the process of removing a female cat's ovaries and uterus. Neutering and spaying can have many benefits for cats.

It can help reduce aggressive behaviours, reduce the risk of certain diseases, and reduce the number of unwanted cats in the community. 

  • Vaccinations

Vaccinations are a series of injections given to cats to help protect them from various diseases, viruses, and infections. Vaccines help to boost a cat’s immune system, allowing them to fight off infections and illnesses that can cause serious and even fatal health problems.

Vaccines are available for a variety of illnesses, including feline leukaemia, rabies, and feline distemper.

  • The excess

Excess is the amount that an insurance policy holder pays towards a claim. The excess can vary depending on the policy chosen and is usually deducted from any claim settlement.

For example, with cat insurance, the policy holder may be required to pay an excess of £140* for each claim. This means that the policy holder will be liable for the first £140 of the claim and we will cover the remainder.

*The excess amount may vary depending on your policy agreement


What type of pet insurance policies can I get?

What you can buy from Purely Pets:

  • Lifetime pet insurance

Lifetime pet insurance is a type of insurance that offers continuous cover and lifelong protection for your pet. This type of insurance covers the cost of medical treatments and procedures, such as check-ups, surgery, and hospitalisation. Lifetime pet insurance typically includes coverage for illness or injuries that may occur throughout your pet's life, provided the condition has only developed within the period of insurance.

What you can buy from other insurance providers:

  • Accident only pet insurance

Accident only pet insurance is a type of pet insurance that covers veterinary treatment required for injuries caused by accidents. This type of pet insurance provides coverage for medical bills associated with an accident, including hospitalisation, surgery, lab tests, and medications.

  • Time limited pet insurance

This type of pet insurance provides coverage for a specific amount of time, usually 12 months. When the time limitation begins is dependent on the policy terms of your insurance provider.

During this time, your pet is covered for certain types of illnesses and accidents, as well as any necessary treatments. Once the time limit or financial limit has been reached there will no longer be any further cover for that condition.

  • Maximum benefit pet insurance

Maximum benefit pet insurance provides a financial amount per condition, with no time limit subject to the policy being renewed. Once this financial limit has been reached, then there will be no further cover for that condition.

Maximum benefit pet insurance may cover accidents, illnesses, surgeries, prescriptions, and more but please refer to your policy terms for full conditions for what’s included on your policy.

Customer reviews

We’re committed to improving our Pet Insurance products wherever possible, which is why feedback from our customers is so important to us. We’re incredibly proud of our Excellent Trustpilot rating and you can read the latest reviews from our fantastic customers below.

Pet advice & news

a close up of a dogs mouth

Is a dog's mouth cleaner than a human's mouth: The truth unleashed


Everyone who has a canine companion must have heard the statement, "a dog's mouth is cleaner than a human's mouth," at least once. It's time to delve into the truth behind this statement. Is it just a myth, or is there some scientific backing to it? Let's fetch the answers.

dog has a green bandage on their paw

A comprehensive guide on how to properly wrap a dog's paw


Being a dog parent brings immense joy. However, it also requires readiness to tackle unexpected situations like injuries. One such common scenario is a paw injury, which often necessitates a proper bandage. Understanding how to properly wrap a dog's paw can make a significant difference in your pet's recovery. This guide will walk you through the process of wrapping a dog's paw, offering expert tips and advice to ensure your furry friend's well-being.

puppy running on grass

When do puppies lose their teeth?


Curious about when puppies lose their teeth? It's a natural part of their growth process. As a puppy parent, understanding this milestone is key to their care. Puppies, like humans, have baby teeth that eventually fall out to make way for their permanent adult teeth. This transition usually starts around three to four months of age. During this time, you may notice your furry friend chewing more and experiencing some discomfort.

Our Pet Insurance awards

British Claims
Insurance Choice Awards
Moneyfacts Consumer
Uk Brooker Awards
British Claims
Insurance Choice Awards
Moneyfacts Consumer
Uk Brooker Awards
British Claims
Insurance Choice Awards
Moneyfacts Consumer
Uk Brooker Awards
British Claims
Insurance Choice Awards
Moneyfacts Consumer
Uk Brooker Awards

Find out more

You can find out more about our Cat Insurance product below and there’s more help available on our FAQs page.

Cat insurance isn't a legal requirement, but many pet owners want the peace of mind that insurance provides. Even if your feline friend is happy and healthy today, you can never really know when an unexpected illness or injury will happen, which means vet bills could soon start to pile up.

Even if your feline friend is happy and healthy today, you can never really know when an unexpected illness or injury will happen, which means vet bills could soon start to pile up.

With an insurance policy in place, you protect your cat when they need it most by making sure they get the emergency care they deserve. That means no cutting corners when it comes to veterinary treatment and getting your feline back to its best in no time.

Pet insurance may be a good investment for any cat owner. Pet insurance can cover vet visits, emergency vet visits, surgeries, lab fees, hospitalisation, medication, and other unexpected expenses such as the cost of cremation or burial in the event of your cat passing* (subject to policy details).

Insurance may help to offset the costs of medical care for your cat, making it easier for you to manage.

While cats are great at taking care of themselves, they cannot avoid certain illnesses and health issues that may be prevalent among felines. Some of these illnesses and health issues include:


Vomiting is a common problem in cats and can be caused by a variety of health issues. It's important to understand the differences between acute and chronic vomiting, as the underlying causes of each can be quite different.

Acute vomiting is usually caused by a dietary indiscretion, such as eating something indigestible, or by an infection. Chronic vomiting can be caused by more serious issues, including an obstruction, pancreatitis, inflammatory bowel disease, or cancer.

In any case, it's always wise to take your cat to the vet if they are vomiting to determine the underlying cause and get the appropriate treatment.

Feline Lower Urinary Tract Diseases (FLUTD)

Feline lower urinary tract diseases (FLUTD) is a common yet serious condition that affects cats. It is caused by a variety of factors, including infections, crystals, stones, and blockages.

Symptoms of FLUTD can include frequent urination, straining to urinate, and bloody urine. If left untreated, FLUTD can lead to serious complications such as infections, bladder rupture, and kidney failure.


Fleas are small, wingless parasites that feed on the blood of cats, dogs, and other animals. They can cause severe skin irritation and anaemia in cats, and can lead to secondary bacterial infections.

Fleas can also transmit tapeworms and other diseases to cats, so it is important to take preventive measures to keep them away.


Diarrhoea is a common digestive disorder that can affect both cats and humans. It is characterised by frequent, loose, watery stools, and can be caused by a variety of factors such as an underlying medical condition, food intolerance, or a bacterial or viral infection.

Diarrhoea can be a serious issue for cats, as it can lead to dehydration and other health problems.

Every feline is different, and there's no one size fits all when it comes to pet insurance policies. When pet owners come to Purely Pets, we base your cinsurance quote on various factors:

  • Your cat's breed

  • The level of lifetime policy you choose

  • The amount of excess you decide to pay

  • If your cat is neutered or not

  • Where you live

Yes, the location of where you live can have an effect on the cost of insurance. Insurance premiums are set based on a variety of factors, including the area in which you reside.

To find out more please contact one of our pet insurance specialists for further information on 0330 102 5748 or read our policy wording for further information by clicking here.

In the UK, it is not a legal requirement to microchip your cat, but it is highly recommended. Microchipping your cat could be a life-saving measure in the event of your pet going missing.

If a lost pet is found, vets and animal shelters can use the microchip number to contact the registered owner. Without a microchip, it can be difficult to prove that you are the rightful owner of a pet

Even if you select the most comprehensive lifetime policy for your pet, it still may not cover pre-existing conditions. This includes any illness or injury your cat has or shows signs of developing before you take out insurance.

These policies offer cover for accidents and illnesses for the pet’s lifetime. This is dependent upon you renewing the policy each year and keeping up to date with premiums. These are usually the most expensive policies, because they provide the most comprehensive cover.

All of our Lifetime policies offer you a pot of money per year that will cover all accidents and illnesses. We only offer Lifetime cover to our customers as we believe it is the most comprehensive cover available.

Like humans, our pets are more likely to be affected by illness as they get older. This means that every year your insurance premium will increase even if you haven’t made a claim. This increase will be significant if you have claimed.

If you have a cat of a certain age, it can be tough to find pet insurance. At Purely Pets, we believe every animal deserves the best, no matter your cat's age.

That's why all our lifetime veterinary cover policies have no upper age limit – we'll protect your cat whether they are 8 weeks old or a senior.

Yes, if you own more than one feline friend, speak to our helpful team to learn more about multi pet insurance.

Getting an insurance quote is quite simple and straightforward. You will need to provide certain information about yourself and your cat. This includes details such as:

  • Your personal details (name, address and contact information)

  • Your cat's age and breed

To get a pet insurance quote for your feline friend you can get a quote through our website by clicking here. If you would like to talk to one our cat insurance specialists, you can get in touch with us on 0330 102 5748.

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Here at Purely Pets, we offer 15 different levels of Lifetime cover in order to give you the freedom to choose the right cover level for you and your cat.

It is important to note that the only type of cover we have available are lifetime policies. However, the below 4 are the most common types of insurance policies.

Lifetime Cat Insurance

Lifetime pet insurance is a type of cover that ensures that your beloved cat is covered for new medical conditions throughout their lifetime, no matter their age.

This might be an ideal choice for pet owners who are looking for long-term protection that can provide financial support for their pet's medical bills.

Maximum Benefit Insurance

Maximum Benefit insurance is a form of insurance that pays out a maximum amount per condition to policyholders when their cat suffers an illness or injury.

With Maximum Benefit cat insurance there is no time limit to use this benefit limit, subject to the policy being renewed. However, once the limit has been reached there is no further cover for that condition.

Maximum Benefit insurance is used for medical expenses, such as vet visits, prescriptions, and other medical costs.

Time Limited Insurance

Time limited pet insurance can protect your pet's health while also keeping your costs low.This type of insurance policy is designed to provide coverage for short-term illnesses and injuries for a specific period of time, usually one year.

Accident Only Insurance

Accident only insurance is a type of pet insurance that covers medical costs that are incurred when pets are injured in accidents. It is an option for cat owners who want to make sure their cats are covered in case of an accident, but don't need to be covered for any other type of illness.

Accident only pet insurance is usually more affordable than comprehensive pet insurance policies, which cover both accidents and illnesses. This is because it only covers accidents, cat owners may find that it is a more cost-effective way to protect their cat if they only require cover in the event of an accidental injury.