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Why it’s important to get pet insurance for your cat?


From picking their first collar to discovering their favourite toy, getting your new cat is an amazing adventure. It can be easy to forget about pet insurance in all the excitement. So how do you know where to start, and why is it so important?


Pet insurance can often be the last thing on your mind when you bring home your new cat for the first time but accidents and illnesses are all too common. As with other types of insurance, pet insurance is there to help cover you if something unexpected happens so you can have peace of mind knowing your pet could get the right treatment without you worrying about the cost.

According to our research, more people claim against their UK pet insurance policy than on their household or car insurance. This goes to show how essential it is to make sure you get the best cat insurance possible by doing your research and reading the Terms and Conditions so you know what your pet is covered for.

Avoid those unexpected vet bills

Whether your cat has gotten in a fight while out on the prowl or swallowed something they shouldn’t have, our feline friends are always getting themselves into scrapes. In fact, 90% of our claims made are for illnesses. These surprise trips can be expensive, but Petplan’s cat insurance means you could be protected for unavoidable mishaps – and we can even pay the vet directly.

Our cat insurance policies will cover vet costs from £3,000 per condition to £12,000 per year depending on the type of plan you choose. The excess you’ll be asked to pay for an injury or other issues, such as arthritis, can vary depending on your policy and age of your pet, as well as if you’re claiming for veterinary fees or complementary treatment.

Find the right plan for you

Spread the cost

Because we know how expensive owning a cat responsibly can be, we want to help you avoid any unexpected costs. You can choose to pay for your pet insurance in one yearly instalment, or spread the payments across the year by using direct debit at no extra cost.

Protect against chronic conditions

Your cat can have an accident or become ill at any age and some will need continuing care and medication. Like most pet insurers, we don’t cover you for pre-existing conditions, but our Covered For Life® policy does provide ongoing cover for any new illnesses your cat develops whilst insured – even long-term, chronic or reoccurring illnesses.

We’ve been insuring pets for more than 40 years and, from our experience, we know that the most common conditions to watch out for in cats include:

  1. Gastrointestinal disease
  2. Heart disease
  3. Respiratory problems, like feline asthma
  4. Kidney disease and cystitis
  5. Hyperthyroidism, or overactive thyroid glands

If you are worried your pet might be unwell then speak to your vet right away. Discover more about your cat’s health in our pet advice area.

Know your breed

Some cat breeds are more at risk of developing certain problems than others. For example, polycystic kidney disease (one of the most common hereditary diseases) disproportionally affects Persian cats and Burmese cats can be susceptible to developing skin conditions. It’s important that you do your research on the type of cat you’ve chosen so you can make sure you have the right insurance cover in place should they fall ill.

Is pet insurance worth it for cats?

When you bring home a new kitten, it’s often hard to imagine they could ever get sick or injured. But a sudden accident or discovery of a chronic illness could come as a big shock to you emotionally and financially, so it’s important to do your research and be aware of the pet insurance options out there.

Paying for issues as they arise without insurance (known as self-insuring) might be tempting as you won’t have any monthly or yearly payments to make, but you never know when something might happen. And it can be difficult to estimate the costs of vet bills, particularly as your cat ages when often illnesses become more common. If your cat does develop a chronic condition, it might be hard to find insurance for this condition, as most policies won’t cover pre-existing conditions.

Having the best cat insurance takes the stress out of planning for your cat’s health issues. With a Petplan insurance policy, you can be confident your cat is protected if something unexpected happens.

If you’re thinking about pet insurance for older cats, it’s worth remembering that our Covered For Life® plans must be taken out before your cat’s 10th birthday.

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All our policies are subject to terms and conditions, so please read these carefully to understand what you are covered for.


Every pet deserves Petplan

We are pet specialists and have an unrivalled knowledge of pet health unlike many other insurers. That's why we've designed our policies to cover as many conditions as possible, and are able to pay 97% of all the claims we receive.

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