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**.
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.
Quick payment
Our claims were paid on average in 3.5 days in 2025
Average paid
Our average claim paid in 2025 was £526.77‡
Approval rate
89.68% of claims submitted were approved in 2025‡
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 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.
While your cat lives their best life, having a comprehensive policy in place protects you for unexpected bumps, scrapes and bugs. Here’s what our flexible cat insurance offers.
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.
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.
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 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.
Curious about what else is included in your Petgevity cat insurance policy? Here’s a closer look.
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.
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.
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).
Yes. If your cat ingests something harmful and needs treatment, this is covered up to your chosen vet fee limit.
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.*†
If your vet recommends euthanasia on humane grounds, this is included as part of your vet fees, up to £250.
If you plan to travel with your cat, you can add Travel and Holiday cover for an extra fee.
This can include:
Cat 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.
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 1st July 2025 – 31st 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.
†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.
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.
Claiming for your cat is simple and straightforward.
An excess is the amount you contribute towards each claim.
For example:
A bill share (also known as a co-payment) is the percentage of the remaining cost you pay after the excess has been deducted.
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.
Members of the Petgevity family get unlimited calls to experienced, UK-registered vets. Get 24/7 advice to keep your pets healthy and happy.
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:
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
Here are some key things to know about managing your cat insurance policy.
When you first take out a policy, there are waiting periods before full cover begins:
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.
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.
It’s likely. As cats get older, they’re more likely to need treatment, which can increase the cost of cover over time.
You can cancel your policy at any time.
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.
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.
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.
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.
†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.
‡Excluding open claims