Covered for Life^® Cat Insurance

Q: Is there anything not covered by cat insurance?

Insurance is designed to cover unforeseen incidents so we don’t cover the general costs of looking after a pet such as vaccinations, spaying/neutering, worming, and flea treatments. Unfortunately we are also unable to cover any conditions that occurred before the start of your policy. Common Exclusions .

Q: Why should I get cat insurance?

When you bring home a new kitten, it's often hard to imagine they could ever get sick or injured. With cat insurance you can ensure that if an accident or illness does occur, such as cruciate ligament damage or arthritis, you won't get stung with a vet bill you can't afford and can get the best treatment for your cat. Read more about how pet insurance can help your cat live life to the full. Benefits of cat insurance .

Q: How much does cat insurance cost?

The cost of cat insurance can be affected by a number of factors such as the age of your pet, breed and type of cover they need. Our premiums are carefully calculated for each individual pet so why not get a quote and select the policy that suits your needs. Pet Insurance Costs .

Q: When should you get cat insurance?

As accidents or illness can happen at any time, it’s important to be aware of the different pet insurance policies available and how they can affect you and your pet. If you wait until your pet has an accident or develops an illness, you might discover it’s hard to find pet insurance policies that cover pre-existing conditions. Find out more on when to get pet insurance and what types of cover we offer. When to get Cat Insurance .

Q: What types of cat insurance cover are available?

There are generally four main types of pet insurance available. Accident only pet insurance could be considered the cheapest but please be aware it could leave you open to vet bills if your pet develops an illness such as an allergy as 90% of our claims are for illnesses. If you’re feeling curious about other pet insurance options available, but don’t know where to start, we’ve broken them all down in an easy-to-digest way, so you can work out which type of cover is best for your pet. Types of insurance .

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What is Covered for Life^®?

With a Covered For Life^® policy, if your cat becomes ill or injured then we can cover the treatment for the rest of their life, as long as you renew your policy each year without a break in cover.

You can claim each year for any new and ongoing conditions up to the vet fees limit that you choose.

The vet fees are then refreshed at the start of each new policy year regardless of the claims you have made.

For Example

If your cat developed an ongoing condition such as diabetes:

Petplan will pay the cost of the treatment (up to the vet fees limit) for diabetes every year for as long as you renew your policy without a break in cover.
You pay the policy excess each year and any items not covered by your policy.

Length of cover for diabetes (years)

What’s Included in Our Vet Fee’s Cover?

Cancer treatments

Dental

Surgery & rehabilitation

Prescription medications

Scans

Illnesses

When choosing insurance for your cat, making sure that you have comprehensive veterinary fees cover is vital - 98% of the claims we receive are for veterinary fees. However, not all cat insurance offers a broad range of cover for vet fees and there can be limits on the types of treatments you can claim for. It’s important to do your research and read the Terms and Conditions so you know what your cat is covered for.

At Petplan we cover a wide range of veterinary treatments for cats, these include but are not limited to:

Covered

Long and short term illnesses
Accidents
Veterinary consultations
Scans – MRI, CAT, ultrasound
Diagnostic treatments
Prescription medications
Cancer treatments
Complementary treatments e.g. hydrotherapy, herbal medicine
Dental treatments (non-routine)
Referral to a specialist
Surgery and rehabilitation
Emergency care

Not covered

Pre-existing conditions- illnesses and injuries or signs of them that started before your policy
Any illness that starts in the first 14 days of your policy
Pregnancy and breeding
Routine treatments e.g. worming, flea treatment
Preventative care e.g. vaccinations
Euthanasia and cremation

All our policies are subject to Terms and Conditions, so please read this carefully to understand what you are covered for.

Covered For Life^® Terms & Conditions

Compare Our Covered For Life^® Plans

Although Vet Fees is an important part of your plan, we have other important benefits included in all our options. We offer three cover levels for Covered For Life®: Classic, Classic+ and Ultimate.

Covered for life^®

Product type
Product typeUltimate	Product typeClassic+	Product typeClassic	Product type Essential
Vet cost up to
Vet costs up to £12,000 per year	Vet costs up to £7,000 per year	Vet costs up to £4,000 per year	Vet costs up to £3,000 per condition for 12 months
Complementary treatment
Complementary treatment £2,000 per year	Complementary treatment £1,000 per year		Complementary treatment £500 per condition for 12 months
Death from illness or injury
Death from illness or injury£2,000per pet (included as standard)	Death from illness or injury£1,500per pet (optional extra)		Death from illness or injury£1,000per pet (optional extra)
Boarding fees
Boarding fees£2,000	Boarding fees£1,500		Boarding fees£1,000
Missing pet advertising & reward
Missing pet advertising & reward£2,000	Missing pet advertising & reward£1,500		Missing pet advertising & reward£1,000
Loss by Theft or Straying
Loss by Theft or Straying£2,000	Loss by Theft or Straying£1,500		Loss by Theft or Straying£1,000
Holiday Cancellation
Holiday Cancellation£2,000	Holiday Cancellation£1,500		Holiday Cancellation£1,000
Quarantine Expenses & Loss of Documents
Quarantine Expenses & Loss of Documents£1,500	Quarantine Expenses & Loss of Documents£1,500		Quarantine Expenses & Loss of Documents£1,000
Emergency Repatriation
Emergency Repatriation£500	Emergency Repatriation£500		Emergency Repatriation£500
Multi-pet discount
Multi-pet discount	Multi-pet discount		Multi-pet discount
Pet Owner Support Package
Pet Owner Support Package	Pet Owner Support Package		Pet Owner Support Package
Pet Bereavement Helpline
Pet Bereavement Helpline	Pet Bereavement Helpline		Pet Bereavement Helpline
Legal Helpline
Legal Helpline	Legal Helpline		Legal Helpline
Expand			Expand

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Excess and Premium Costs

What will my excess be and will my excess change?

Your policy will have fixed excesses that vary depending on factors such as the type of cat you have and the type of plan you choose. To see the excess you would pay it is best to get a quote, but bear in mind this could change at your renewal.

As your cat gets older we typically add a 20% excess when you claim (in addition to the fixed excess). This helps us keep premiums affordable for older cats. For Covered For Life® plans this is usually added at the cats 10th birthday. But don’t worry, you will be advised of this change at least a year in advance.

How much does cat insurance cost? Will my premium change?

There are a number of factors that affect how much your cat insurance will cost, such as your cat’s age, breed and where you live. However, your premium is also influenced by increases in veterinary costs and advancements in veterinary medicine. These changing influences mean your premium will increase over the lifetime of your policy. However, Petplan will not increase your premium as a direct result of any claim you make.

Find out more about the costs of pet insurance and what can affect your premium.

Covered for Life® not what you are looking for?

Find out about our Time Limited cat insurance.

Time Limited Cover

Why Choose Petplan?

No hidden vet fee limits

Choose your preferred vet

No penalty for claiming

Customer support and bereavement Line

Petplan Charitable Trust

Each year Petplan Charitable Trust gives over £800k to support health and welfare of animals

What our customers say

Melissa Jackson’s story

February 2020

Petplan has always covered my claims for my cats heart scans and medication, without these scans I wouldn't be able to give her the best treatments and care to keep her well and happy.

Melissa Jackson’s story

February 2020

Read all reviews

Frequently Asked Questions

Is there anything not covered by cat insurance?

Why should I get cat insurance?

How much does cat insurance cost?

When should you get cat insurance?

What types of cat insurance cover are available?

Get a quote

Cat Advice

Here you'll find our top tips and inspiring stories to support you and your pet every step of the way.

Cat Advice

Our community of pet experts and fellow owners are here to support you and your cat with advice about health, behaviour, nutrition and more.

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Kitten Training Advice

Our kitten training tips and videos will help guide you when you bring home your new feline friend.

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Cat Breed Info

Find out more about cat breeds, common health conditions and temperaments.

Insurance Info

We’re on hand to help with our useful insurance guides.

Pet Insurance Glossary

Our insurance glossary explains the A-Z of pet insurance offering helpful explanations and useful tips from our pet experts.

Glossary

When to get pet insurance

It doesn’t matter how old or young your beloved pet is – an accident or illness could happen at any time. That’s why it’s important to make sure you have pet insurance from the moment you take them home.

Types of pet insurance

Every pet is individual and unique – it’s why we love them. So, your pets may need different types of cover depending on their species, breed, and age.

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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What is Covered for Life®?

For Example

Length of cover for diabetes (years)

What’s Included in Our Vet Fee’s Cover?

Covered

Not covered

Compare Our Covered For Life® Plans

Excess and Premium Costs

What will my excess be and will my excess change?

How much does cat insurance cost? Will my premium change?

Covered for Life® not what you are looking for?

Why Choose Petplan?

What our customers say

Frequently Asked Questions

Is there anything not covered by cat insurance?

Why should I get cat insurance?

How much does cat insurance cost?

When should you get cat insurance?

What types of cat insurance cover are available?

Cat Advice

Insurance Info

Existing Customers

Every pet deserves Petplan

What is Covered for Life^®?

Compare Our Covered For Life^® Plans