Cat Insurance

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.