Yes, we offer lifetime cat insurance policies with cover up to £15,000 per year.
Cat insurance for our feline friends
Embracing life with a cat is a source of joy and countless benefits. They’re our stress relievers, companions, and sleep enhancers.
Our feline friends enrich our lives in so many ways, and when they’re unwell or injured, it can be a cause for concern.
At Purely Pets, our commitment revolves around you and your beloved cat, we understand the unique bond you share. Which is why our insurance is tailored to ensure your cat receives the care they need for a swift recovery. So, they can get back to exploring the garden, savouring their favourite treats, or basking in that special sunny spot in the living room. Your cat’s well-being is our utmost priority, always.
What is cat insurance?
Cat insurance is a specialised type of pet insurance designed to help cover the cost of veterinary treatment and other related expenses for your feline friend. It offers financial protection against unexpected vet bills arising from accidents, illnesses, and injuries. Having cat insurance means you can focus on your cat's health and well-being without the stress of sudden, high veterinary costs.
Our Cat insurance cover levels
Opting for pet insurance for your cat is a fantastic choice!
Cat insurance can provide protection against unexpected veterinary expenses for your feline friend. It can help cover the cost of vet bills, including accidents, illnesses, and injuries, ensuring that your cat receives the best possible care without breaking the bank.
At Purely Pets, we offer 15 levels of lifetime cover, allowing you to pick the ideal policy that suits your cats needs and your budget.
Our Defaqto 5 Star Rating applies to our Silver and Gold cover levels providing vet fees of between £6,000-£15,000.
Lifetime Bronze
- Lifetime cover
- Vets fees from £1,000-£5,000
- Flexible Excess Options
Click to Show More
GET YOUR QUOTE
Lifetime Silver
- Lifetime cover
- Vets fees from £6,000-£10,000
- Flexible Excess Options
Click to Show More
GET YOUR QUOTE
Lifetime Gold
- Lifetime cover
- Vets fees from £11,000-£15,000
- Flexible Excess Options
Click to Show More
GET YOUR QUOTE
The Purely Pets Promise
At Purely Pets, we understand the importance of pet health. Our insurance policies are designed to give pet owners peace of mind, ensuring that your pets receive the highest standard of care when they need it the most.
Why choose Purely Pets
24/7 unlimited video calls with a vet
Online claims management
Direct payment to vet
Lifetime cover up to £15,000
No upper age limit
Do I need cat insurance?
No, you don’t need pet insurance as it isn’t a legal requirement; however, it may provide vital protection from costly vet bills. According to the Association of British Insurers (ABI), pet insurance claims exceeded £1.23 billion in 2024.
If your cat falls ill or is injured, not having insurance means facing potentially high treatment costs. Cat insurance helps cover vet visits, surgeries, hospitalisation, medication, and may also cover other unexpected expenses like cremation (subject to policy wording), making medical care more manageable for pet owners.
How much is cat insurance?
How much your cat insurance will cost depends on a number of factors:
Age
The age of your cat is one of the key factors influencing the cost of cat insurance. Generally, insurance providers view kittens and senior cats as higher risk compared to adult cats, which is reflected in the premiums.
Kittens are more susceptible to certain health issues due to their developing immune systems, while older cats have a higher likelihood of falling ill.
Breed
Certain cat breeds are predisposed to specific health conditions, which can impact the price of your cat insurance policy.
For example, smaller breeds like Ragdolls often have higher premiums because they are more prone to hypertrophic cardiomyopathy (HCM), leading to potentially higher vet bills.
Breeds such as Maine Coons may also face conditions like Spinal Muscular Atrophy (SMA), which insurers consider when calculating policy costs.
Excess
The excess is the amount you, as the cat owner, contribute towards each claim.
Choosing a higher excess usually results in lower insurance premiums, as you are agreeing to cover more of the veterinary costs yourself.
Location
Veterinary fees vary by location, affecting your cat insurance premiums.
For instance, vet costs tend to be higher in London, or there may be a higher propensity to claim within that area, which may lead to increased insurance costs for your cat.
If you want to speak with one of our cat insurance quote specialists or need assistance with making a claim feel free to contact us at 0330 102 5748.
What types of cat insurance are there?
The type of cat insurance you choose will depend on the level of cover you need:
What does cat insurance cover?
When selecting a cat insurance plan for your furry friend, it’s important to consider the following:
What's not covered by cat insurance?
Common exclusions include:
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 and Spaying
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.
Pregnancy
Costs related to pregnancy, labour, and care for new-born kittens generally fall outside the scope of coverage.
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 may be liable to pay the first £140 of the claim.
*The excess amount may vary depending on your policy agreement.
Waiting period
When you first take out your cat’s insurance, all insurance providers will have a waiting period from the start of a policy before you can make a claim.
At Purely Pets, there is a waiting period of 14 days for illness and 48 hours for accidents – during which claims cannot be made.
What do I need to get a cat insurance quote?
To get a quote from Purely Pets and protect your cat, we'll need your pets:
Age
Gender
Microchipped
We also have a Cat Insurance team that you can call to get a quote or discuss your options in more detail. Call to get a quote on 0330 102 5748 to discuss your options in more detail.
Pet advice & news
How to keep cats cool in summer
10/03/26
In this article, we will explore a variety of ways on how to keep your cat cool in summer. From indoor techniques to outdoor tips, we will cover all the bases to ensure your feline friend is comfortable and safe during the hot summer months.
How to groom your cat properly
09/01/26
While the occasional brush of fur or trim of nails may seem adequate, actually your feline companion would probably benefit from a more regular program of grooming. So, how do you go about grooming your purr-fect kitty properly?
Hard or soft cat carrier?
23/12/25
The journey of owning a cat isn't all about cuddles and purrs. There are practical considerations to make, one of which is choosing the right carrier for your feline friend. The choice between a hard or soft cat carrier, which is best for your cat in the UK, is a crucial decision that impacts the comfort and safety of your pet during travels. This comprehensive guide will shed light on the key differences, pros and cons of each type, helping you make an informed choice suitable for your cat's unique needs.
Frequently Asked Questions
Cat insurance isn't a legal requirement, but as a responsible pet parent, you should always insure your cat. 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 a cat 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, surgeries, lab fees, hospitalisation, medication, and other unexpected expenses such as the cost of cremation in the event of your cat passing* (subject to policy wording).
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
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.
Diarrhoea
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.
*Cremation is only covered after 3 years on Purely Pets policies.
Every feline is different, and there's no one size fits all when it comes to cat insurance policies. When pet owners come to Purely Pets, we base your cat insurance quote on various factors:
-
Your cat's breed
-
The level of lifetime policy you choose
-
The amount of excess you decide to pay
-
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.
Depending on the type of pet cover you choose, you can be covered for vets bills for accidents, illness, or both up to a fixed monetary amount. Many policies will give you added benefits such as cover for dentistry, loss of pet and overseas travel.
We provide dog insurance & cat insurance- at a variety of different levels to suit yours & your pets needs.
All pet cats in England must now be microchipped or face a fine of up to £500 if you don’t comply.
Whether you’ve just bought a kitten or adopted an older cat, making sure they are microchipped should be top of your list. Microchipping your cat gives them the best chance of being identified and returned to you if they are lost or stolen. Microchips are safe, easy to implant and effective. Unlike collars and ID tags, microchips don’t come off and they don’t put your cat at risk of injury.
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 our insurance.
Pet insurance doesn’t normally cover you for any conditions that already exist before you purchase, so always check this if are looking to move to a new provider or if you are taking out insurance for the first time but your pet has pre-existing medical conditions.
There will also generally be an excess (a fixed amount that you contribute to any claim) or a co-payment excess (normally a percentage of the total claimed amount that you will contribute to any claim) on your policy that you will have to pay.
Other common exclusions for pet insurance are cover for elective, routine or cosmetic treatment and cover for illness or accidents within a specified waiting period.
Having a pet is a long-term commitment which is why we offer three different levels of lifetime coverage for your dog or cat.
Lifetime insurance for your cat will provide coverage (upon approval) for your beloved companion for the duration of their lifetime, as long as the policy is renewed each year – just as the name suggests!
Here are some of the types of cat insurance policies available and what they all mean:
Lifetime insurance
These policies provide cover for the life of your pet and offer comprehensive coverage. They include cover for veterinary fees, death from illness, death from accident, and more.
They may also offer additional benefits such as access to 24/7 vet video consultations or travel cover.
Here at Purely Pets, we love cats just as much as you do, and want to make sure they get the cover they deserve. That's why we only offer lifetime protection.
If you would like to talk to one our pet insurance policy specialists, you can get in touch with us on 0330 102 5748 to find out more about our cat insurance policies or to find out more about making hassle-free claims with Purely Pets.
Maximum benefit policies
With maximum benefit plans, you get a predetermined amount of funds for each medical issue that arises with your pet, and these funds will keep being used for treatments until the money is completely used up.
Once this limit is reached, there is no further cover for that condition.
Time-limited
Time-limited pet insurance policies will usually provide a fixed amount to pay for the treatment of any sickness or injury your pet may suffer from.
It will also come with a designated length of time for which this treatment will be covered - typically 12 months from the start of the illness or injury, or from the first date of treatment, as long as the policy is still active.
The time limit doesn't refer to the total duration of the policy, but the maximum amount of time that any given illness or injury will be covered for.
Accident only policies
Accident-specific policies provide a fixed amount to cover the medical expenses related to accidental injury sustained by your pet. However, any accidents that occurred prior to the policy's commencement will not be eligible for coverage.
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 can cover 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, multiple pets can be insured and their policies can be linked but each pet will have their own benefit limits. Therefore, any claims that may happen will not impact the other pet's policy.
To get a quote from Purely Pets and protect your cat, we'll need to know your pet's:
-
Age
-
Gender
-
Whether they've been microchipped
We also have a specialist Pet Insurance team that you can call to get a quote or discuss your options in more detail.
Call to get a quote on 0330 102 5748 or discuss your options in more details. Alternatively, click here to get a quote online.
When selecting a cat insurance policy, you should always evaluate the types of coverage offered, including accident, illness. Each policy varies, and understanding what is included can prevent unexpected expenses. Secondly, consider the cat insurance quote exclusions and limitations, such as pre-existing conditions or breed-specific issues, as these may impact your coverage.
Determining whether cat insurance is worth the investment hinges on several factors, including the age, breed, and overall health of your feline companion. Cat insurance can provide a financial safety net in the event of unexpected events. While the cat insurance premiums may seem like an added expense, the peace of mind that comes with knowing your pet is protected can be invaluable. Ultimately, the decision to explore cat insurance quotes should be based on a careful assessment of your cat's needs and your financial situation.