Vet fees up to £15,000
To suit your pet’s needs, choose vet fee cover from £1,000 to £15,000. The limit resets every year you renew.
Design your own pet insurance
Policies as unique as your pet. Set your own limits, excess and optional extras, for cover as snug as a collar.
Switch with unbroken cover
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away**.
Your cat may be agile and independent, but they can also fall ill or have accidents. Sadly, the UK doesn’t have a pet version of the NHS to foot the bill. Without cat insurance, you could pay thousands of pounds to treat your feline if they become poorly.
According to the Association of British Insurers (ABI), the average claim in 2023 was £668 – nearly 50% higher than the cost of the average insurance policy. But the reality is that vet treatment for common issues can often be much higher than this.
Learn about the benefits of pet insurance – what’s covered, what’s not, and much more in our ultimate guide.
The cost of cat insurance will depend on a variety of things, including:
Online research can help you decide what vet fee limits and benefit levels to choose for your cat cover. So, think about:
Many cat parents can’t afford to find thousands of pounds to pay the vet should something happen to their four-legged friend.
You never want to compromise on your cat’s care or the treatment options available if they need medical help. Investing in comprehensive cat cover can give you peace of mind when faced with unexpected and costly vet bills.
Cat insurance can also cover you for more than vet fees, including emergency cattery costs and even advertising if they go missing.
Having comprehensive cover for those unexpected scrapes can help give you peace of mind while your pet continues living their best life. Discover flexible pet insurance that protects the important four-legged members of your household.
Kitten cover
Older cat cover
Multi-pet cover
Choosing Petgevity to protect your cat gives you more than just vet fee cover. Here's what you get from our policy.
Dental accident
Covers your pet up to the chosen vet fee limit if they have a dental accident or injury. Always be sure to take your pet for annual dental check-ups, and follow your vet’s advice.
Behavioural treatment
Get expert help with your pet’s mental and emotional wellbeing, as advised by your vet. Cover up to your chosen vet fee amount or the cost of up to 12 sessions, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime).
Complementary therapy
As advised by your vet, this covers alternative treatments like acupuncture or hydrotherapy. Cover up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime).
Emergency care
If you can’t look after your pet due to an emergency, such as an unplanned hospital visit, this covers you for up to £1,500 (Lifetime Plus) in minding costs.
Choice of optional extras
Need extra protection? Choose from several optional extras to cover your pet’s needs, including dental illness, or cover if your pet is stolen or lost.
Defaqto 5 star rating when you choose vet fees over £4,000 with all optional add-ons included
Basic cover alone has 3 star rating
Three-time winner National Insurance Awards Pet Insurance Award 2022, 2023 & 2024
Awarded Best Pet Insurance Provider at The Times Money Mentor Awards 2024
Highly Commended for Best Pet Insurance at The Personal Finance Awards 2025
Cat insurance can protect you against unplanned and costly vet bills if your feline gets sick or has an accident. As part of your Petgevity cover, you get:
You can also choose optional extras like Dental Illness and Travel and Holiday cover. So you can tailor your cat’s policy to their specific needs.
Like most insurers, we won’t cover routine and preventative treatments, including:
Speak to your vet to see if they offer a healthcare plan. This can include annual vaccinations, regular health checkups, and preventative treatments.
†For Lifetime Plus policies only – details correct 6 January 2026 via competitor websites. Competitor products are subject to their own T&Cs and can have different limits and requirements for cats versus dogs at different ages. For full details, please check the relevant policy wording.
For full details of Petgevity pet insurance, please read our policy wording. To access the complete Insurance Product Information Document (IPID), click here. For information regarding cover please see our Petgevity policy document.
Keep your pets happy and healthy with unlimited access to an experienced UK-registered vet 24/7 with FirstVet when you join Petgevity.
“One of the reasons why cats are so beloved is because of their playful attitudes and adventurous spirits. But this primal instinct to explore can get them into unexpected scrapes.
“Cat insurance can give you peace of mind that your favourite feline is covered for the escapades of everyday life. So if something did happen, you can focus on helping your cat get better, not worrying about paying out for expensive vet costs.”
Kerry Willecome, pet insurance specialist
Meet our pet experts
Lifetime pet insurance is the most comprehensive type of cover out there.
It can cover your pet for accidents and repeated illnesses up to your policy limits throughout their life.
In a nutshell, ‘lifetime’ is a term used to describe how vet fees work for a type of pet insurance policy.
Should your pet develop an illness or condition, you can keep claiming as long as you renew each year. That’s why having a lifetime policy gives you the reassurance that your pet could be covered for life.
We believe that cats and dogs deserve the best and you deserve peace of mind. It’s why we only offer lifetime pet insurance, as it’s the most comprehensive type of cover out there. It’s important to know that a lifetime policy doesn’t mean the price will stay the same over the life of your pet. The cost of their cover can still change each year and tends to go up as your pet gets older.
And not all lifetime policies are the same. Some providers use the term ‘annual limit’ and can offer policies with two types of limits:
To keep things easy, Petgevity policies have just one overall limit that resets annually. You can claim for as many conditions as needed up to your chosen vet fee limit.
Although many vets don’t charge a fee to register your pet, this is down to the individual practice. If in doubt, get in touch with your local vet practice or have a look at their website.
Understanding how lifetime pet insurance works doesn’t need to drive you barking mad.
To make things easier, let’s break down the process further.
A few other need-to-knows about how lifetime pet insurance works.
Find out whether there’s an excess for every condition you claim for each year, or whether you only need to pay the excess once in a policy year.
> Check whether you’ll need to pay anything towards the cost of a claim through an excess or co-payment. Some providers make these compulsory, but not with a Petgevity lifetime policy. > See if the provider will cover pre-existing conditions – but more on that later.
> Check whether you’ll need to pay anything towards the cost of a claim through an excess or co-payment. Some providers make these compulsory, but not with a Petgevity lifetime policy.
> See if the provider will cover pre-existing conditions – but more on that later.
Petgevity considers all pet pre-existing conditions. When getting a quote, you’ll be asked about your pet’s health to see if we can cover them.
Sadly, not all lifetime pet insurance policies cover pre-existing conditions. This is dependent on the provider.
If an insurer does offer pre-existing conditions cover, remember to read their policy wording. Insurers may have their own definition of what is considered a pre-existing condition. This includes what conditions they’ll cover, whether there are any extra excesses to pay or any other limits to your cover.
The exact cost of lifetime pet insurance depends on your dog or cat. Different things may affect how much you pay, including:
You could also end up paying more for lifetime pet cover than other types of pet insurance options. This is because it’s the most comprehensive type of cover. You also have the choice between paying off the policy in one go or spreading out the cost monthly, which may help to make it more manageable.
You might think it’s easiest to jump to the cheapest option when it comes to choosing pet insurance. Before doing this, you may want to take a step back and consider what is right for your pet and their specific needs, and if your chosen policy meets these needs.
Lifetime pet insurance has a vet fee limit that resets each year you renew the policy.
Then there’s products like time-limited and maximum benefit pet insurance. These cheaper policies may have a time limit on how long you can claim for new conditions. Or only cover new conditions up to a certain vet fee limit. So it can get confusing as to when and by how much you can claim.
Want a detailed breakdown of the difference between maximum benefit, time-limited, and lifetime pet insurance? Have a read of our blog on how to choose the best pet insurance for your pet.
Lifetime cat insurance is the most comprehensive type of pet insurance you can buy. It’s the cat’s whiskers. Your cat doesn’t have to be a kitten to take out cat insurance with us. Benefits of Petgevity cat insurance include:
Find out more about Petgevity pet insurance.
Pedigree cats can be more expensive to insure compared to mixed-breed (moggy) cats. This is because pedigrees are more at risk of inheriting genetic illnesses.
For example, Maine Coons are prone to hip dypslasia, while Sphynxs are at higher risk of cardiomyopathy.
Not on our Lifetime Plus product. Some insurers won’t take older cats. But you don’t have to worry about upper age limits with us. All we ask is your cat is more than 4 weeks old.
Many insurers introduce mandatory contributions if you need to claim. These are usually called ‘co-payments’ and are paid on top of your excess payment when your cat reaches a certain age – usually 10 years old. With our lifetime plus cover, it’s always your choice.
When setting up your cat insurance, you have the power to decide how much you’re willing to pay if you need to claim. It’s also a way to keep your premium down.
If you always want us to pay the whole bill up to your policy limits then you can set your excess to £0 and a 0% voluntary bill share. This will increase the price you pay but means you’ll never be out of pocket when you claim.
You can add optional Missing Pet cover to your policy. This gives you help in recovering your cat with advertising costs and also in offering a reward for their safe return.
This covers you up to the market value of your cat or your cover amount – if your cat is lost, stolen or strays and you’re not reunited in 30 days.
If you’re not switching over your policy to us from another provider, you can claim after the following times, depending on the type of claim:
Accidental injuries – 2 days
Illnesses – 14 days
Missing pets – 14 days
If you need to see the vet for an accident or illness within these timeframes, you’ll have to pay the bill yourself.
If you are switching from another lifetime pet insurance provider, you could claim on your Petgevity policy from the cover start date as long as:
You can have a different vet fee limit, excess, and bill share (co-payment).
Learn how to keep your pet happy and healthy with guidance from expert vets and behaviourists.
Do I need cat insurance?
Cats may be nimble and agile - but that doesn’t mean they don’t need cover for the unexpected. Find out why getting cat insurance is important.
How to choose the best pet insurance for my pet
We explain the top things you may want to think about when it comes to researching pet insurance policies, including how you can compare pet insurance.
What is lifetime pet insurance?
We’re saying farewell to all of the confusion around lifetime pet insurance. Join us as we explore what it is and how it works.
*Cover for pre-existing medical conditions is subject to acceptance. They will not be covered unless you have declared them and they are shown on your Confirmation of Cover.
**Illnesses and symptoms won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy. This is unless you are switching from another lifetime pet insurance product with no break in cover and the claim you want to make would have been covered by your previous policy. Other exclusions may apply to other sections.