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.
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

Lifetime Silver

- Lifetime cover
- Vets fees from £6,000-£10,000
- Flexible Excess Options

Lifetime Gold

- Lifetime cover
- Vets fees from £11,000-£15,000
- Flexible Excess Options
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
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.
In the sad event that your cat passes away due to accident, illness or injury you could be reimbursed up to the purchase price of your pet. For more details, please read our policy wording.
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 and a reward for the loss due to theft or straying. However, lower limits are available on the Bronze Lifetime cover.
Boarding fees vary depending on the type of business, location and services provided. Generally, boarding fees included the cost of food, bedding and basic amenities.
Depending on the business, additional services, such as grooming, walks and playtime, may also be included in the total fee. It is important to research the different boarding services available to ensure that you are getting the best value for your money.
Here at Purely Pets, we offer boarding fee cover of up to £2,000 as part of our Gold Lifetime coverage. Boarding fees can only be claimed in certain situations, details of which can be found in the policy wording.
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 evidence of annual dental check-ups, and any treatment recommended by the vet has been carried out at your own expense.
What isn’t covered by cat insurance?
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.
*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 is a type of insurance that offers continuous cover and lifelong protection for your pet, subject to the policy being renewed each year. This type of insurance covers the cost of medical treatments and procedures, such as consultations, 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.
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, medication, and more but please refer to your policy terms for full conditions for what’s included in your policy.
Why is choosing the right level of cover important?

Jennifer Macindoe, BVMS MRCVS
Veterinary SurgeonChoosing the right level of cat insurance is essential for financial peace of mind. Unexpected vet bills can cause financial strain, so proper coverage ensures that your cat receives the treatment they need, without the worry of significant costs. Different cats, depending on their breed and age, may require varying levels of care. By selecting the appropriate level of coverage, you can ensure that certain medical conditions are covered, reducing out-of-pocket expenses. Different levels of cover will provide a varied range of protection.
Pet advice & news

Should you spay or neuter a kitten? Simple facts every pet parent must know
09/07/25
Should I spay or neuter my kitten? Did you know that a female cat can have up to 18 kittens in a single year? This staggering reproductive capacity is why most veterinarians strongly recommend spaying or neutering your kitten.

Are cat tunnels good for cats?
30/06/25
Do you ever wonder if cat tunnels are good for your furry friend? Well, guess what? You've come to the right place! Cat tunnels can be a fantastic addition to your cat's life, providing them with both physical exercise and mental stimulation.

Why is my cat sneezing?
30/05/25
Pet insurance is the ideal way to calm any fears but having an insight into some common health issues is also key. One sign of potential trouble can be sneezing. If you’ve noticed your kitty is sneezing a lot more than usual, read on to find out some of the possible reasons why.
How can owning a cat benefit our lives?

Jennifer Macindoe, BVMS MRCVS
Veterinary SurgeonOwning a cat offers numerous physical, mental, and emotional benefits that can greatly enhance your quality of life. Interacting with cats has been shown to lower cortisol levels (the stress hormone). Their companionship can provide emotional support, especially for those living alone. Having a cat in the household can bring a sense of security and comfort, leading to better sleep. Their calming presence and purring noise have been shown to have a therapeutic effect, reducing anxiety and promoting relaxation.
Find out more
You can find out more about our Cat Insurance product below and there’s more help available on our FAQs page.
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.
Pet insurance isn’t a legal requirement, and indoor cats face fewer risks like fights or road accidents, but they can still become ill.
Most veterinary fees for cats arise from illnesses rather than injuries. However, accidents can still occur—for instance, falls from balconies or open windows are surprisingly common.
Having cat insurance for your indoor feline can provide peace of mind, ensuring they're covered no matter what happens.
Yes. We offer cover for cats of all ages.
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.
Some of the most frequently encountered health problems in cats include:
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Dental disease: Many cats suffer from dental illnesses such as gingivitis and periodontal disease. Regular dental check-ups are important since untreated dental problems can lead to pain, difficulty eating, and more serious infections. Coverage limits and exclusions, including those for pre-existing conditions, differ depending on the policy. With Purely Pets policies, accident-related dental cover is available from the first year, with dental illness coverage beginning after 12 months*. Please ensure you carefully review the policy terms when selecting your plan.
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Feline Lower Urinary Tract Disease (FLUTD): This is a common condition affecting the bladder and urethra of cats, causing symptoms like difficulty urinating, blood in urine, and frequent urination. It can be caused by infections, bladder stones, or stress.
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Obesity: Overweight cats are at risk of developing other health issues such as diabetes, arthritis, and heart disease. Proper diet and exercise are key to preventing obesity.
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Kidney disease: Chronic kidney disease is prevalent in older cats and can lead to a gradual decline in kidney function. Early diagnosis and treatment can help manage the condition and improve quality of life.
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Respiratory issues: Conditions like asthma or upper respiratory infections can cause coughing, wheezing, or sneezing.
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Parasites: Fleas, ticks, and intestinal worms are common in cats, especially those that go outdoors. Regular parasite prevention is important.
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Diabetes: Cats with obesity or older age may develop diabetes, which requires ongoing management.
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Hyperthyroidism: This is a common hormonal disorder in older cats, leading to weight loss, increased appetite, and hyperactivity.
*This is subject to proof of annual dental check-ups and that any veterinary-recommended treatments have been completed at your own cost.
Yes, cat asthma is covered by our pet insurance policies, providing it is not a pre-existing condition.
No, as neutering is considered a preventative/routine procedure.
Whether prescription cat food is covered by pet insurance depends largely on the terms and conditions of your specific policy. So it is important to review your policy wording for further information.
No, as spaying is considered a preventative/routine procedure.
Whether dental cover is covered under your cat insurance policy will depend on the insurer' policy.
However, at Purely Pets, we do cover dental accidents in the first year and dental illness from the second year onwards.*
*Subject to annual dental check-ups and recommended treatments paid by you. See policy wording for details.
No, vaccinations will not be covered as they are considered routine preventative treatment.
No, pet insurance typically does not cover pregnancy, breeding, or any related costs for cats.
This is the same at Purely Pets, we do not cover anything related to pregnancy which includes labour, aftercare and care for newborn kittens.
Yes, cat insurance typically covers diabetes as long as it is not a pre-existing condition.
Yes, in the unfortunate event that your cat passes away due to accident, illness, or injury most cat insurance policies reimbursed up to the purchase price or agreed value of your cat, depending on the terms of your specific policy. It's important to review your policy details to understand the exact amount and conditions of this benefit.