Cat Insurance

Pet insurance for cats is not a legal requirement. And, of course, you can save money in the short term by going without it. But accidents, injuries and illnesses do occur – data from the Association of British Insurers (ABI) reveals there were 1.3 million pet claims in the UK in 2022.

So, if something were to happen to your cat, you could be left facing a hefty bill for the treatment. Taking out a cat insurance plan can offer that priceless peace of mind that your much-loved pet has the protection it deserves.

You can take out a new Everypaw Cat Insurance policy from your kitten turning 8 weeks old up to your cat's 10th birthday. We do cover older cats; however, their policy must be taken out before their 10th birthday, and there can be no breaks in cover. Renew every year, and we'll continue to cover older pets.

Once you've taken out your policy and you have your Welcome Pack, you can get to know some Everypaw perks. For one, there's unlimited 24/7 access to Petcall's vet nurses and vets, our UK-based advice line and live chat service. If your little bundle of fluff isn't their usual bouncy self or if you need some parenting advice, our expert vet team are there for you and your cat 24/7 365 – 366 if it's a leap year.

Then there's the Pet Portal, your go-to digital hub to manage your cat insurance policy. Once you're registered, you can manage your preferences, update details and make claims. On top of that, Everypaw policies are jammed with features and benefits as standard. When we say we're here for your cat from kitten to cat-hood, we mean it.

Cat Insurance will cover vet fees for veterinary treatment, medication, and surgery up to the vet fee limit of your policy. So if your cat suffers an illness or injury, having insurance gives you the peace of mind their treatment will be covered. As well as treatment, their cover also includes benefits to help if they were ever to go missing and in the event of their passing away, for example.

You should also be aware that when you take out a policy, there will be a waiting period before you can make a claim. After 3 days you can claim if your cat suffers an injury or is poisoned, it just can't have happened in those first 3 days. After 14 days you can then claim for new illnesses, but it cannot be an illness they've suffered in the first 14 days. At the 14-day mark, the full range of policy benefits will be activated.

But if you switch to Everypaw from another provider, and your old policy runs up to your start date, we can waive the initial exclusion periods for you.

Like most other insurance providers, Everypaw does not cover pre-existing conditions.

If your cat prefers to stay curled up inside on the sofa with you, they're much less likely to go missing, get into a fight with another animal or be in danger of being hit by a car. But illnesses can still occur, as can accidents around the home. A cat insurance policy can help provide that little bit of peace of mind if the worst happens.

According to ABI, the UK's average pet insurance premium in 2022 was £327. But the cost of cat insurance varies for several reasons, like their age, their breed and where you live. Vets across the UK vary in price, so we factor this in too.

We understand that you consider the cost before taking out a policy; it has to be affordable to you in the end. And you must expect your premiums to go up every year – sometimes they can rise considerably. Taking this into account, go for protection that's right for you both. Don't just go for the cheapest cat insurance in an attempt to save a few pounds; weigh up your options first.

If you're happy with how much your cat insurance costs and you want to go ahead and begin your cover, you have two options when it comes to payment. You can pay for the whole year upfront or you can spread the cost over 12 monthly instalments. Either way, the price of your cover will remain the same. Some providers will add a finance fee when the premium is paid in instalments, but not Everypaw.

The cost of vaccinations and boosters is not covered by our cat insurance. And if your vet recommends a vaccination and you decide against it, you won't be covered if your cat then falls ill with a condition that could've been prevented by that vaccine.

From clawed curtains to mucky paw prints all over your brand-new carpet, cats' behaviour can be unpredictable – even for those who are usually little angels. As a result, we cannot offer a cat insurance policy for any damage your pet causes to your home.

We offer insurance for your cat that covers the cost of dental treatment up to your vet fee limit. It can cover treatment for a dental condition, related condition, illness or accidental injury. You must have a history of annual check-ups and proof any vet advice given was followed within 6 months. Treatment related to baby teeth if they are over 16 weeks at the policy start date will not be covered.

As of 10th June 2024, it will be a legal requirement to have your cat microchipped. Not doing so could result in a fine of up to £500. Microchipping is a simple process done by your vet and usually costs between £10 and £30, but this is not covered by our insurance for cats.

Your cat insurance will cover you for the price you paid for your pet if they are stolen or go missing and are not recovered within 30 days. If you don't have proof of payment, we'll cover you for the amount you stated when you started the policy or the market value of your cat – whichever is lower.

One important exclusion to note is that our insurance for cats does not provide cover if your pet goes missing or is taken within the first 14 days of the policy. However, if you do switch to Everypaw from another provider, and can prove your previous cover ended as soon as your new policy begins, we can waive this exclusion for you.

Everyone wants the best for their cat, but you do need to think of yourself and your pocket too. The best cat insurance doesn't have to be the most expensive or the most comprehensive, because they could be difficult to afford. But on the flip side, cheap cat insurance might not offer the level of cover you need. As with a lot of things in life, finding the right answer is all about balance.

Weigh up the needs of your pet with your needs and your knowledge about cat insurance and you should be on to a winner. You can try giving your cat's insurance some real-world perspective. If they were ever to have an accident, suffer a short illness, or pick up a long-term illness, how much assistance would you want with covering the related medical fees?

Put this into practice, and you should be able to find the insurance that works best for you both.

When you take out your cat insurance policy, you need to enter the PETPERKS code in the promo code box. This can be found in the promo code section on the 'Your Details' page, under 'Discounts'. Apply the code and then continue to take out your policy out as normal.

After 3 months of your policy start date, we'll email you the instructions you need to redeem the Pet Hamper from Pet Hamper.

Welcoming another set of paws into your household? How exciting! The last thing you want to worry about is insurance admin. Here’s our step-by-step guide to adding more pets:

1. Make sure you have your existing policy number handy
2. Get your cat insurance quote here
3. Fill in your pet’s details and make sure you use the same email address
4. Select a level of cover and continue to our Review your quote page
5. Scroll down to the Multi-pet discount section and click Add existing pet policy
6. Enter your existing policy number and click the Add existing pet button

We’ll match your old and new policies and apply your multi-pet discount. And once you’ve taken out the policy, we’ll get to work adding your new pet to the Pet Portal.