What is covered by cat insurance?
When selecting a cat insurance plan for your furry friend, it's important to consider the following:
- Veterinary fees and treatment
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.
- 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 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.
Our policy wording outlines when such fees can be claimed.
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?
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 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. 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.