Cat health advice

There are several factors that can influence the price of your premium in including where you live and your cat's age and breed. That's why it's important to shop around when buying cat insurance to find a policy that suits you, taking both cost and the benefits included on the policy into account.

Your premium will increase each policy year, to reflect increased risk as your dog ages, as well as increasing veterinary costs, but unlike other pet insurers, with Petplan you'll never pay more for claiming. Our pricing approach is different to most other pet insurance and one of the reasons why over 90% of customers renew each year. Find out more about our Claims Pricing Guarantee. Get a  cat insurance quote today.

A well-chosen cat insurance policy can help you cover the cost of vet bills if your cat becomes ill or gets injured. With Petplan, you can pay your premium annually or monthly (at no additional cost). The cost of your policy (your premium) will vary depending on your cat's age, and breed, as well as where you live. As each cat is an individual, we will look at these factors, plus your cat's medical history so we can be specific about what we can and can't cover for them; where some other pet insurers simply advise that pre-existing conditions aren't covered.

If you opt for a Petplan policy, your Certificate of Insurance will detail any exclusions (conditions that are not covered), so it's important to read this carefully and keep it somewhere safe; you can access your documents at any time on the My Petplan hub. If your cat does fall ill or get injured you can submit a claim to your insurer, who will review it and pay you or your vet for the treatment, if it is covered. In the event of a claim you will usually need to pay an excess, the amount of which will be detailed on your policy documents.

The cover that cat insurance policies provides varies widely from insurer to insurer, as well as policy type. Some policies cover just the basics others will be much more comprehensive with a wide range of benefits beyond just vet bills. This is why prices can vary so much between providers. When researching cat insurance policies, it's important to look beyond the headlines and check if the policy will cover the essentials. Dental cover and behavioural conditions aren't always included, and some insurers might have additional limits within their vet bills cover. For example, you may find two policies that have the same vet bills limit (e.g. £4,000 per year) but one may cover significantly more conditions or treatments than the other. When it comes to cat insurance, you generally get what you pay for, so if you see a policy that is much cheaper make sure you review the details carefully.

Petplan cat insurance covers vet bills, pet therapies (such as hydrotherapy and acupuncture), and theft or loss, as standard – as well as a host of other benefits. We also cover dental treatment, provided your cat has an annual dental check-up and any treatments recommended by your vet are carried out within six months.

Most insurers won't cover things like vaccinations or neutering and pre-existing conditions may not be covered. Find out more here.

Petplan can pay your vet directly so you don't have to find the money first. Ask your vet if they can submit a claim on your behalf, as this is the fastest way of getting information to us. You can also click here to learn more about making a claim or find the relevant form for the treatment or incident you need to claim for.

Whichever way you submit your claim, you can monitor its progress with our online claims tracking service.

Rest assured, with Petplan, your cat insurance won't increase if you make a claim. Your premium will increase every policy year as your cat gets older and in line with increasing vet costs. However, our Claims Pricing Guarantee means that we’ll never charge you more for claiming.