Cat insurance tailored around your cat

Cats are mostly little acrobats. They’re agile, independent and capable.

This doesn’t mean they don’t have accidents, or become ill. And there’s no pet NHS to cover the bill. Vet fees can be high, especially for certain treatments or procedures, which can be hard to absorb without cat insurance.

The average claim in 2024 was £685, according to The ABI. This is much higher than the cost of an average policy. And the cost of certain treatments – even for common issues – can be significantly higher than this.

Not convinced? Check out our guide to whether pet insurance is worth it to find out how pet insurance can help your cat when it matters most.

The price you pay for cat insurance depends on numerous factors, including:

• Your cat’s breed and age
• If they have any pre-existing conditions
• Where you live
• Any extras, excess or bill share you’ve chosen

Before choosing the level of cover for your four-legged pal, it’s worth looking into:

• How much emergency treatment costs at your local vet
• Genetic issues common in certain cat breeds, and what these might cost to treat

If something happens to their feline friend, many cat parents simply don’t have thousands of pounds to hand.

And no owner wants to compromise on their cat’s care if they need medical assistance, or the options for treatment available. But peace-of-mind cat insurance can absorb unexpected and expensive vet treatment.

And it’s not just vet bills. Many policies can cover other aspects of ownership too, such as cattery costs in an emergency, or help with advertising or rewards if they go AWOL.

Cat insurance is there to help with unexpected vet bills. It springs into action if your cat gets into a scrape or becomes unwell.

With a Petgevity policy, you get:

• Vet fees
  • Complementary therapy and behavioural treatment
  • Dental accidents
  • MRI/CT scans (up to £2k)
  • Cruciate ligaments (up to £2k)
  • Euthanasia
• Emergency care

Need more protection? There’s a range of optional extras you can tag onto your policy, such as holiday cover, or dental illness cover. This way, you can tweak your cover to your cat’s exact needs.

More about your cat insurance policy

Curious about what else is included in your Petgevity cat insurance policy? Here’s a closer look.

Does cat insurance cover surgery?

Yes. Petgevity cat insurance covers medically necessary surgery for your cat, up to your chosen vet fee limit. You’ll just need to pay any excess or bill share outlined in your policy. Cosmetic procedures aren’t covered.

Are MRI and CT scans covered for cats?

Diagnostic scans like MRI and CT scans are covered under all Petgevity policies – up to your chosen vet fee limit or £2,000, whichever is lower.

Is dental treatment included for cats?

Petgevity cat insurance includes cover for dental accidents as standard. You can also add Dental Illness cover for an extra fee. This can help with conditions like gum disease, covering treatment up to your vet fee limit or £5,000 (whichever is lower).

Is poisoning covered for cats?

Yes. If your cat ingests something harmful and needs treatment, this is covered up to your chosen vet fee limit.

Are hereditary conditions covered in cat insurance?

It depends on your policy. With Petgevity Lifetime Plus, cover may be available for certain pre-existing or hereditary conditions – as long as they’re declared and accepted when you apply.*† 

Is euthanasia covered for cats?

If your vet recommends euthanasia on humane grounds, this is included as part of your vet fees, up to £250.

Is overseas travel covered for cats?

If you plan to travel with your cat, you can add Travel and Holiday cover for an extra fee.

This can include:

• Vet treatment abroad up to your chosen limit
• Emergency return home if needed
• Cancellation or curtailment cover up to £5,000

Cat insurance policies don’t usually cover routine and preventative treatments. In this respect, Petgevity is no different. We don’t cover:

• Flea and worming
• Neutering (castration and spaying)
• Vaccinations
• Routine teeth cleaning
• Routine or investigative tests (unless it’s to diagnose a new or worsening condition covered under your policy)

Rather than paying for these treatments in one go, ask your vet if they have a healthcare plan available. Monthly payment schemes can help spread the cost of trips to the vet for health checks, preventative care, annual boosters etc.

Get Petgevity cover from just 21p a day.

That’s £6.27 a month or £75.28 a year.

^The above figure was calculated using the cheapest 10% of our new business sold policies (renewals and amended policies were not included in the data), from the date range of 1^st July 2025 – 31^st December 2025. The premiums used for calculation were the final premiums across all customers regardless of how they bought, including all additional cover options and Insurance Premium Tax, without exclusion on any specific customer segmentations.

How cat insurance claims work

Most claims made on cat insurance are for vet treatment, whether that’s for illness, injury or ongoing care.

With Petgevity, you make multiple claims each year, up to your chosen annual vet fee limit. This can be as much as £15,000 per year, helping you manage the cost of treatment across different conditions.

Good to know: once your claim is approved, we can either pay you directly or settle the bill with your vet, if they approve this.

How to make a cat insurance claim

Claiming for your cat is simple and straightforward.

1. Start your claim
   Log in to your account and visit the claims section, or contact the claims team on 0333 009 0998.
2. Provide your details
   Complete the claims form and upload any invoices or receipts. You’ll also need to include your vet’s details – and in some cases, your vet can submit the claim on your behalf.
3. We contact your vet
   Our claims team will liaise with your veterinary practice to gather any additional information needed.
4. Payment is arranged
   Once your claim is approved, payment will be made to you or your vet, minus any excess or bill share that applies.

About Petgevity pet insurance claims

• Customers’ claims were paid on average in 3.5 days in 2025
• The average claim paid in 2025 was £526.77‡ 
• 89.68% of claims submitted were approved in 2025‡ 
• Commended for Claims Service at the Moneyfactscompare Awards 2026

What is an excess?

An excess is the amount you contribute towards each claim.

For example:

• Vet bill: £800
• Excess: £100
• Amount paid by insurer: £700 (subject to your policy limit)

What is a bill share?

A bill share (also known as a co-payment) is the percentage of the remaining cost you pay after the excess has been deducted.

For example:

• Valid claim amount (for one condition): £800
• Minus excess: £800 – £100 = £700
• Minus bill share: £700 – £70 (which is 10% of £700) = £630
• Total excess and bill share paid by you: £170
• Total paid by us: £630 

With a Petgevity Lifetime policy, a 20% bill share applies if your cat is aged 10 or over.

With a Lifetime Plus policy, there’s no compulsory bill share, regardless of your cat’s age.

Cat cover you can trust 

Petgevity is authorised and regulated by the Financial Conduct Authority (FCA). This means we’re compliant with high ethical and professional standards, and adhere to strict consumer duty regulations. 

To find out more, read our: 

• Full policy documents
• Complaints procedure 

If you make a complaint and believe it hasn’t been handled appropriately, or you’re unhappy with the outcome, it can be referred to the Financial Ombudsman Service. You have 6 months from the date of your final resolution letter to contact FOS.

“There are loads of reasons we love cats. And their adventurous and playful nature is right up there. But the primal instinct to explore can often land them in hot water.

“If you have a good cat insurance policy in place, you can rest assured that they’re covered for what might befall them on their perilous quests. If something does happen and you’re insured, you can concentrate on helping your feline friend get better, rather than worrying about the cost.”

Kerry Willecome, pet insurance specialist

Meet our pet experts

Your policy: start, renewal and cancellation

Here are some key things to know about managing your cat insurance policy.

When does cover start?

When you first take out a policy, there are waiting periods before full cover begins:

• Accidental injuries: not covered in the first 2 days
• Illness or symptoms: not covered in the first 14 days
• Death linked to illness: not covered in the first 14 days
• Loss, theft or straying: not covered in the first 14 days

These waiting periods usually don’t apply if you’re renewing or switching from a comparable lifetime policy.

You’ll also have a 14-day cooling-off period. If you cancel within this time and haven’t made a claim, you’ll receive a full refund.

How do I renew my policy?

Your policy will renew automatically each year unless you choose to opt out.

You’ll receive a reminder around 21 days before renewal, including your updated premium.

Will my premium change?

It’s likely. As cats get older, they’re more likely to need treatment, which can increase the cost of cover over time.

How do I cancel my policy?

You can cancel your policy at any time.

• Within the first 14 days: full refund (if no claims made)
• After 14 days:
  • Payments stop once any outstanding premiums are settled
  • You may receive a partial refund if you’ve overpaid

We won’t refund any premium if a claim is made on the policy. If the claim is due to death, loss, theft or straying, then we’ll only charge you for the cover you received. For other claims, you’ll need to keep paying your monthly premium. 

What happens if I miss a payment?

If you miss a payment, you can catch up through your account.

If payment remains outstanding for more than three weeks, your policy may be cancelled.

If you’re having difficulties, it’s best to contact us – support may be available to help you manage payments.