In this section:

Cat Insurance

As many owners will agree, cats can be highly inquisitive and sometimes this can get them into scrapes. Our Covered for Life policies for cats offer a broad range of benefits for owners worried about their cat developing a long-term illness, like arthritis or diabetes which, as incurable conditions, may require extensive veterinary treatment through the course of the cat’s life. Cats are also susceptible to road accidents and treatment to get your cat back to full health can potentially run into thousands of pounds.

Our most comprehensive cat insurance plan, Supercat provides up to £12,000 of vet fees per year and offers cover for complementary treatment like hydrotherapy and acupuncture. If your four-legged friend goes missing our cat insurance plans will cover the cost of advertising and a reward for its safe return. Petplan will also pay the cost of boarding your cat at a licensed cattery while you are in hospital for unexpected visits during the policy year.

Pet Value is designed for cat owners who want cover to provide help with the high cost of veterinary treatment up to a period of 12 months for each condition. If your cat requires behavioural treatment or physiotherapy, our Pet Value plan will cover the cost up to your vet fees maximum benefit.* Take a look at the following table which shows how the benefit levels for each cat insurance policy compare. Please also take the time to read the full Terms and Conditions of the policies so that you understand all of the benefits and limitations.

*Treatment must be carried out by your vet.

	Pet Value	Covered for life - Budget plan	Covered for life - Supercat plan
Veterinary Fees	Up to £3,000 per condition for 12 months	Up to £4,000 per year	Up to £12,000 per year
Veterinary Fees: Provides cover for examination, consultation, advice, tests, X-rays, legally prescribed medication, surgery and nursing required to treat an illness or injury, provided by a vet, a veterinary nurse or another member of the veterinary practice under the supervision of a vet. This includes physiotherapy and treatment of a behavioural illness provided it is carried out by a veterinary practice. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Complementary Treatment	Limited cover included in Veterinary Fees	Up to £750 per year	Up to £750 per year
Complementary Treatment: Our Covered for Life Plan covers complementary treatment, such as acupuncture and homeopathy, up to £750 per year. Physiotherapy or Behavioural Treatment carried out by a vet is included within Veterinary fees. Please read the policy Terms and Conditions for precise details on what is covered.
Advertising and Reward	–	Up to £250 per year	Up to £500 per year
Advertising and Reward: If your pet is lost or stolen, we will pay for local advertising and a reward in the UK and whilst in any of the agreed countries under the Pet Travel Scheme. Please note, we will only pay for rewards for lost or stolen pets if those rewards are agreed with us in advance. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Boarding Fees	–	Up to £250 per year	Up to £500 per year
Boarding Kennel Fees: We will pay the cost of boarding your pet at a licensed cattery, or £5 a day towards the cost of someone, who does not live with you, looking after your pet while you are in hospital for unforeseen visits during the policy year. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Theft or Straying	–	–	Up to £500
Theft or Straying: The price you paid for your pet if it is stolen or goes missing during the policy year and is not recovered or does not return. If you did not pay for your pet or have no formal proof of how much you paid, we will pay the market value of your pet. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Death from Injury	–	–	Up to £500
Death from Injury: Losing a pet is a great sadness, but we will refund the purchase price. We will pay the price you paid for your pet if it either dies or has to be put to sleep by a vet due to an injury from an accident during the policy year. If you did not pay for your pet or have no formal proof of how much you paid, we will pay the market value. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Death from Illness	–	–	Up to £500
Death from Illness: Losing a pet is a great sadness, but we will refund the purchase price. We will pay the price you paid for your pet if it either dies or has to be put to sleep by a vet during the policy year as a result of an illness. If you did not pay for your pet or have no formal proof of how much you paid, we will pay the market value. Illnesses that first showed clinical signs before your pet’s cover started or within 14 days of your pet’s cover starting are not covered. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations. Age restrictions apply.
Holiday Cancellation	–	–	Up to £1,000 per year
Holiday Cancellation: We will pay any travel and accommodation expenses for you and your immediate family, that you cannot recover if you have to cancel or cut short a holiday - booked less than 28 days before you were due to leave - during the policy year because your pet has either gone missing while you are away; or is injured or shows the first clinical signs of an illness while you are away, or up to 7 days before you leave and so needs immediate life-saving surgery. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Emergency Repatriation	–	Up to £500 per year	Up to £500 per year
Emergency Repatriation: If your pet is ill or injured during a trip abroad and you need to make special arrangements to get it home. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Quarantine Expenses and Loss of Documents	–	Up to £1,500 per year	Up to £1,500 per year
Quarantine Expenses and Loss of Documents: If the documents required to get your pet back into the UK are lost, we will cover the cost of obtaining duplicate certificates and the cost of quarantine. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.

Excess payments

If you need to make a claim for Veterinary Fees or Complementary Treatment, you will pay an excess for the cost of treating each illness or injury. Your excess will vary on the product you choose, where you live and the breed and age of your pet. You will also pay an excess for Emergency Repatriation and Quarantine and Loss of Documents claims. For further details, please either take out a quote, or refer to the Terms and Conditions.