Cat Insurance

Protecting your furry friend

  • 98% claims paid *
  • 24/7 vet video consultations
  • Claims paid directly to vets
  • Interest free payments
Trustpilot Logo Defaqto Logo

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.

Cat Owner Illustration

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.

Our Cat insurance cover levels

Opting for pet insurance for your cat is a fantastic choice! 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.

Lifetime Bronze

Cover Level Dog And Cat
  • Lifetime cover
  • Vets fees from £1,000-£5,000
  • Flexible Excess Options
Click to Show More

The Purely Pets Promise

We’re here for you and your cherished pet, every step of the way. From (not so!) perfect puppy and crazy kitten to sweet senior and all those moments in between.

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

What is covered by cat insurance?

When selecting a cat insurance plan for your furry friend, it’s important to consider the following:

Cat 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.

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. 

When selecting a cat 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.

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.

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 type of pet insurance policies can I get?

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 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.

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 isn’t covered by cat insurance?

What you can buy from Purely Pets:

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 examinations, 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 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.

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 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.

Pet advice & news

mother dog with her litter

What type of complications can happen after a dog c-section in the UK?


A dog's caesarean section (commonly referred to as a C-section) is a significant surgical procedure often performed as an emergency when a pregnant dog experiences difficulty with natural birth.

Cocker Spaniel sitting in the woods

How to groom a Cocker Spaniel


If you want to keep your Cocker Spaniel looking their best, grooming is essential. Regular brushing and maintenance of their coat and hygiene can help your furry friend stay healthy and happy. In this guide, we will walk you through the steps to properly groom your Cocker Spaniel, from brushing and bathing to ear cleaning and nail trimming.

cat hugging a teddy

How long does heat last in cats


Understanding your cat's behaviour can be quite a challenge, especially when it comes to their reproductive cycle. One question that cat owners often find themselves asking is, "how long does heat last in cats?" In this article, we aim to provide an in-depth look into the oestrous cycle of your feline friend, offering insights into the duration, specific signs, stages, and measures to manage this period in your cat's life.

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 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.

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

  • If your cat is neutered or not

  • Where you live

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.

So you have decided to get your pet insured, but now you are faced with a number of policies to choose from! Here at Purely Pets we offer 15 levels of Lifetime Cover - allowing you to choose the policy that suits your budget and requirements.

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 breeds listed under the Dangerous Dogs Act 1991, cover for elective, routine or cosmetic treatment and cover for illness or accidents within a specified waiting period

There are various types of pet insurance, so you can choose the right cat insurance to suit you and your four-legged family member. Here's a quick rundown of the different types:

  • Lifetime pet insurance: For ongoing protection for your cat, choose the most comprehensive level of insurance. 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. And unlike some other pet insurance companies, we cover dental illness as standard.

  • Maximum benefit cat insurance: Illness or injury is covered up to a fixed amount. When the limit is reached, you're no longer covered.

  • Time-limited policy: Accident and illness is covered up to a specific time limit, you're no longer covered for that particular condition.

  • Accident-only pet insurance: Will only pay for veterinary treatment due to an accident. If your cat should fall ill, it won't be covered.

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, 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 to discuss your options in more details. Alternatively, click here to get a quote online.