Cat Insurance

Cat insurance doesn’t have to be costly. From Lifetime policies to Accident Only cover, we offer a range of plans to suit different budgets

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ICA Badge

Cats are family and hold a special place in our hearts

Cats love to explore their surroundings and are curious by nature. Their daring instinct however, can lead them into trouble, despite even the most cautious of owners’ efforts to keep them out of harms way. This is where cat insurance comes in! Cats are family and so when they suffer an accident or illness, you’ll want them to receive the best possible care. With the right pet cover, you can protect your cat when they need it most and avoid having to pay out for costly vet bills.

Cover available from 4 weeks old

No upper age limit for senior pets

97% of claims
paid in just
5 working days

Over 20 years’ experience in pet insurance

Affordable pet insurance for cats

You can rest assured that our number one priority is your cat’s welfare. We firmly believe that all cats deserve to be protected, which is why we have developed a range of affordable pet insurance plans to provide you with options to suit your budget and your cat’s needs. Take the first step today and get a cat insurance quote in minutes.

Get cover up to £4,000 per condition with NO LIMIT on the number of conditions you can claim for. T&Cs apply.

We take a tailored approach to cat insurance because
every cat is different!

Your cat is unique, therefore, it’s only fair that your policy is tailored to suit their individual needs. With over 20 years of experience, we have profound knowledge of the ailments that could specifically affect your cat and its breed, which our intuitive online pet insurance quoting system accounts for. When getting a cat insurance quote, we will also consider your cat’s age. A kitten for example, will have different insurance requirements to that of a more senior cat, who, like us as we get older, are more prone to developing age related conditions.


Pet Insurance for


Give your kitten the best start with a Perfect Pet policy. We offer cover from just four weeks old.

Kitten Insurance
Older Cats

Pet Insurance for

Older Cats

Find out everything you need to know about protecting your senior cat with a Perfect Pet policy.

Older Cats Insurance

Want more clarity around insuring your specific breed of dog?

We might just have the guide for you!

What types of cat insurance can I get?

Our mission is to help as many cat owners as possible to afford protection for their cats. This is why we offer a variety of plans to choose from! Our plans include Lifetime Cover, Max Benefit, Time Limited, and even Accident Only cover. You can find out more about the different types of cat insurance plans we offer below.

Insurance Plan

Lifetime Cover

You can claim year after year for each illness or accident your pet develops, providing you renew annually with no break in cover.

Insurance Plan

Max Benefit

Protect your pet against injuries and illness up to a pre-set limit with no time restriction, providing the policy is active.

Insurance Plan

Time Limited

Cover your pet for injuries and illness for a limited period up to 365 days.

Insurance Plan

Accident Only

Insure your pet against injuries and complications arising from accidents only.

Insurance for cats – choosing the right plan

As the saying goes, you get what you pay for, and that applies to pet insurance too! Simply opting for cheap cat insurance may not be the best option. It’s important that you take the time to understand the different options available to you and your cat. To help you choose, we’ve summarised a few important things to consider below:

Cover limits for accidents and illness

One of your first considerations and questions you should ask yourself is, how will you pay for any unexpected vet bills that may arise should your cat suffer an injury or illness? You should also consider medical conditions that your cat may encounter during its lifetime, which may vary between breeds.

We do not have a limit on the number of conditions you can claim for while a policy is in force. However, we do apply a limit on the amount that you can claim per condition. Terms and conditions and many other benefits will vary depending on the policy type you select.

Benefit limit for vet fees and complimentary treatment per condition

LifetimeMaximum BenefitTime LimitedAccident Only
EliteElite ExtraVitalVital ExtraEssentialEssential Extra*Accident Only
Up to £1,000Up to £4,000Up to £1,000Up to £4,000Up to £1,000Up to £2,500Up to £1,000

Cover for pre-existing medical conditions is not included.

*Accident Only covers vet fees relating to accidental injuries only. Claims relating to illness are excluded.

Cat theft and straying insurance

Sadly, cat theft is a thing! We offer cover for lost and stolen pets with all policies except for ‘Accident Only’ and ‘Liability Only’. This covers expenses for local advertising and rewards offered for your pet’s return. Should the unthinkable happen and your cat is still missing after 45 days (during the period of insurance), we will pay a contribution to the original price you paid for your cat, providing they are under 8 years at the time of disappearance, up to your policy’s limit. Terms and conditions apply.

Benefit limit for theft and straying

LifetimeMaximum BenefitTime Limited
EliteElite ExtraVitalVital ExtraEssentialEssential Extra
Up to £500Up to £1000Up to £500Up to £750Up to £250Up to £500
Holiday cancellation cover

Having to cancel a holiday because your cat needs emergency medical treatment is unlikely to be covered by standard travel insurance. Taking this into consideration, we’ve incorporated holiday cancellation cover into our cat insurance policies (excluding Accident Only). This benefit applies to pre-booked holidays for more than three nights outside of the UK. The cover is for the named policy holder only and covers costs incurred to cancel the trip, up to the policy’s limit. Terms and Conditions apply.

Benefit limit for holiday cancellation per claim

LifetimeMaximum BenefitTime Limited
EliteElite ExtraVitalVital ExtraEssentialEssential Extra
Up to £500Up to £1,000Up to £500Up to £750Up to £250Up to £500
Overseas holiday cover

When on holiday in qualified countries within the European Economic Area (EEA) listed by the UK Government’s Pet Travel Scheme (“PETS”), our policies provide security and peace of mind. In the event your cat needs emergency treatment because of an accidental injury or an unforeseen illness, you can claim for necessary vet fees, up to the policy limit. Terms and Conditions apply.

Benefit limit for overseas vet bills per claim

LifetimeMaximum BenefitTime Limited
EliteElite ExtraVitalVital ExtraEssentialEssential Extra
Up to £500Up to £1,000Up to £500Up to £750Up to £250Up to £500
Cover for accidental death

In the awful event that your cat dies or must be put to sleep because of an illness or accident, we will pay a contribution to the cat’s original purchase or donation price, up to your policy’s limit, if your cat is under 8 years old at the time of death. This cover is available will all cat insurance plans except for Accident Only. Terms and Conditions apply.

Benefit limit for death from illness or accidental Injury

LifetimeMaximum BenefitTime Limited
EliteElite ExtraVitalVital ExtraEssentialEssential Extra
Up to £500Up to £1,000Up to £500Up to £750Up to £250Up to £500

We can pay
your vet direct

We know that if your cat suffers an illness or accident that this can be an anxious and stressful time. However, if your vet accepts direct payment, then we can pay your vet bills directly, giving you one less thing to worry about.

Subject to claim approval

What you need to know about our cat insurance

We’ve highlighted some points that we think are important to know. However, if you have a question that we haven’t answered, please visit our Help and Contact section.

Paying for your policy

You can pay for your policy annually in full, or by monthly direct debit.

How to make a claim

Simply download a claim form from our ‘Make a Claim’ page. Complete and send back to us either by email or post.

Policy excess

An excess of £90 per condition applies. This will be stated on your Policy Schedule. The excess amount will be deducted when making a claim. This applies to all sections of the policy (except for public liability where an excess of £250 applies) and is payable each time your policy renews.


For cats that are 10 years or older, a 15% contribution towards vet bills is required on every claim, in addition to the excess.

Policy renewal

We will notify you 21 days before your policy expires. If you are happy with your renewal premium and have agreed to Continuous Payment Authority (CPA), you do not need to take any action. Your policy will renew automatically unless you tell us otherwise.

What’s not covered

• Pre-existing medical conditions and symptoms that existed before a policy is purchased
• Illnesses that occur within 14 days of a policy being taken out
• Accidents that occur with 5 days of a policy being taken out
• Dental and oral treatment (unless a result of an accident)
• Routine treatment such as vaccinations, castration, flea and worming
• Any complications or treatment relating to pregnancy

Policy terms and conditions vary. Please read the wording of the specific policy you intend to purchase for full terms and conditions.

Multi-Pet discount

Save when buying Lifetime, Maximum Benefit or Time Limited cover for more than one pet. If you have multiple cats and dogs, add them when getting a quote to receive a 15% discount.

Policies must be purchased direct and at the same time. Accident Only policies are excluded from the multi-pet discount offer

Independent customer reviews

We collect and publish customer reviews on Trustpilot. Here’s some of our amazing feedback

“Very helpful customer services”

We have insured our Springer Spaniel with Perfect pet for the last 3 years and our puppy is also insured through their multi-pet option. Excellent Service.

Loraine Dale

“Recommended by family”

Recommend by family and here we are. Truly amazing service at affordable prices.

Eldin Paratusic

“Quick and easy”

I found it easy to complete the online form for my pet and the price was excellent. I would definitely recommend.


“Second 5 star review”

This Is my second 5 star review for Perfect Pet having had a recent second claim paid out quickly and efficiently.

Jacqueline Simpson