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.
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.
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**.
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away**.
Vet fees up to £15,000
More info
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
More info
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
More info
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away**.
Cats are mostly little acrobats. They’re agile, independent and capable. But 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 eye-wateringly high, especially for certain treatments or procedures, which can be hard to absorb without cat insurance.
In fact, the average claim in 2023 was £668, according to The ABI. This is significantly higher than the price of an average annual insurance policy, which was £389 for the same period. And in reality, 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:
Before choosing the level of cover for your four-legged pal, it’s worth looking into:
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 comprehensive cat insurance can absorb unexpected and expensive vet treatment. It’s an investment in peace of mind.
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.
While your pet lives their best life, having a comprehensive policy in place protects you for unexpected bumps, scrapes and bugs. Here’s what our flexible pet insurance offers.
Kitten cover
Older cat cover
Multi-pet cover
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.
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).
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).
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.
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.
Third-party liability for dogs
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
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.
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.
Dental accident
More info
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
More info
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
More info
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
More info
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.
Third-party liability for dogs
More info
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
Choice of optional extras
More info
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
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:
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.
Pet insurance policies don’t usually cover routine and preventative treatments. In this respect, Petgevity is no different. We don’t cover:
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.
|
ManyPets | Petplan | Agria | |
|---|---|---|---|---|
| Maximum vet fees | £15,000 per year | £15,000 per year | £12,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | ||||
| No compulsory excess? | ||||
| No compulsory co-payments for older pets? | 20% (from age 9) | 20% (from age 7) | Min. 10% (from any age) | |
| Tailor limits per pet on a multi-pet policy? | ||||
| Dental treatment for accidents? | ||||
| Behavioural treatment and complementary therapy? |
|
|
ManyPets | |
|---|---|---|
| Maximum vet fees | £15,000 per year | £15,000 per year |
| Cover for pre-existing conditions? | ||
| No compulsory excess? | ||
| No compulsory co-payments for older pets? | 20% (from age 9) | |
| Tailor limits per pet on a multi-pet policy? | ||
| Dental treatment for accidents? | ||
| Behavioural treatment and complementary therapy? |
|
|
Petplan | |
|---|---|---|
| Maximum vet fees | £15,000 per year | £12,000 per year |
| Cover for pre-existing conditions? | ||
| No compulsory excess? | ||
| No compulsory co-payments for older pets? | 20% (from age 7) | |
| Tailor limits per pet on a multi-pet policy? | ||
| Dental treatment for accidents? | ||
| Behavioural treatment and complementary therapy? |
|
|
Agria | |
|---|---|---|
| Maximum vet fees | £15,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | ||
| No compulsory excess? | ||
| No compulsory co-payments for older pets? | Min. 10% (from any age) | |
| Tailor limits per pet on a multi-pet policy? | ||
| Dental treatment for accidents? | ||
| Behavioural treatment and complementary therapy? |
| Maximum vet fees | |
|---|---|
| £15,000 per year | £15,000 per year |
| Cover for pre-existing conditions? | |
| No compulsory excess? | |
| No compulsory co-payments for older pets? | |
| 20% (from age 9) | |
| Tailor limits per pet on a multi-pet policy? | |
| Dental treatment for accidents? | |
| Behavioural treatment and complementary therapy? | |
| Maximum vet fees | |
|---|---|
| £15,000 per year | £12,000 per year |
| Cover for pre-existing conditions? | |
| No compulsory excess? | |
| No compulsory co-payments for older pets? | |
| 20% (from age 7) | |
| Tailor limits per pet on a multi-pet policy? | |
| Dental treatment for accidents? | |
| Behavioural treatment and complementary therapy? | |
| Maximum vet fees | |
|---|---|
| £15,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | |
| No compulsory excess? | |
| No compulsory co-payments for older pets? | |
| Min. 10% (from any age) | |
| Tailor limits per pet on a multi-pet policy? | |
| Dental treatment for accidents? | |
| Behavioural treatment and complementary therapy? | |
†For Lifetime Plus policies only – details correct as of 10 September 2024 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.
Members of the Petgevity family get unlimited calls to experienced, UK-registered vets. Get 24/7 advice to keep your pets healthy and happy.
“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
Lifetime pet insurance is the most comprehensive pet cover out there.
This type of cover protects your pet for repeated illnesses and accidents up to your policy limits. And it lasts for their whole life.
Looking for the most comprehensive type of cat insurance money can buy? Lifetime cat insurance is just that – the cat’s whiskers. And you don’t have to take out this kind of pet insurance from when they’re a kitten, as we can cover cats of all ages.
Petgevity cat insurance comes with a whole load of benefits, such as:
Read all about Petgevity pet insurance.
As a rule of thumb, pedigree cats tend to be more expensive to cover than mixed-breed cats (AKA moggies). Pedigrees are at greater risk of inheriting genetic conditions, and insurance pricing is all about risk.
For instance:
Not with Petgevity Lifetime Plus! While some insurers don’t provide cover for older cats, we’re happy to have senior cats in our family. There’s no upper age limit – we just ask that your cat is more than four weeks old.
With a Petgevity Lifetime Plus policy, we also won’t impose ‘co-payments’, which are mandatory contributions over and above your excess payment. It’s fairly common practice for these to be introduced when cats reach a certain age, usually 10 years. But with Lifetime Plus, the choice is always yours.
When you arrange your cat insurance, you decide how much you’re willing to pay towards a potential claim. Some choose to take on higher excesses or bill shares as a way to keep their insurance costs down, because it shares the risk with the insurer.
So if you want us to foot the whole bill up to your policy limits, then set your excess to £0 with a voluntary bill share of 0% when you take out cover. While this will bump up the price you pay, it means there’ll be no unexpected costs if you need to make a claim.
We offer Missing Pet cover as an optional extra to your policy. This provides financial help in recovering your feline friend, such as the cost of adverts or rewards for their safe return.
With Missing Pet cover, you’re insured up to the cover amount or market value of your cat if they’re lost, stolen or stray, and you’re not reunited in 30 days.
These are the waiting periods for certain types of claim after the policy starts:
You’ll need to pay the bill yourself if any of these situations arise within the specified timeframes.
The exception is when you switch from another lifetime provider, you might be eligible for continuous cover. This means you can claim from the cover start date, provided:
Our expert vets and behaviourists have great pointers to help keep your cat happy and healthy.
Like dogs, cats can get themselves into unexpected scrapes or fall ill. So let’s take a look at the benefits of getting pet insurance for your formidable feline.
†Lifetime Plus policies only
*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.
