Cat Insurance

Cats are curious pets and like to explore. Should your cat run into trouble out and about, the last thing you want to do is worry about vet fees which is why it’s important to get them insured.

Why insure your cat or kitten with PDSA Cat Insurance?

We offer a range of policies to cover cats for unexpected illnesses and accidents

  • Cats insured from eight weeks old 
  • Policies to suit all budgets and needs 
  • Pay monthly at no extra cost 
  • If you need to claim, PDSA Pet Insurance offers the choice to pay your vet directly*  
  • 24/7 veterinary advice online or over the phone with Petcall 
  • Lifetime policies cover conditions your cat develops while insured, for life^ 
  • If your cat goes missing, our Lifetime policies can help towards local advertising and reward costs
  • By purchasing a policy you are contributing to our life-saving work.


Choose a policy to suit your cat's healthcare needs and your budget. Every policy sold contributes to our life-saving work.

Compare our policies

Customer information

Find out all the information you need, from customer service and claims, to accessing our 24/7 Helpline.

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What is the purpose of cat insurance?

Our Pet Hospitals see nearly 800 cases a month that require emergency surgery, so it's not uncommon for our beloved pets to become sick or injured. PDSA Cat Insurance can provide you with peace of mind if anything should happen to your pet.

It is your responsibility to cover the cost of healthcare for your cat. When bringing a pet into your life, you need to make sure you can afford the cost of any treatments they might need during their lifetime. Cat insurance can support you should you need to pay for vet bills.

Every cat insurance policy sold contributes to our life-saving work, which helps pets like Simba

Meet Simba

Ginger cat asleep in cat bed

Simba, a two-year-old-cat, is a PDSA pet patient who was saved by our vets after he was severely injured in a suspected road traffic accident. His injuries consisted of a dislocated hip and a severe wound that required surgery to fix.

Read Simba's story


While you're covered if your feline friend needs a trip to the vet, there are a few routine things that cat insurance doesn't cover. This includes:

You’ll need to keep preventive treatments up-to-date, as they’ll help stop your cat from getting any preventable illnesses. If you’re worried about the cost, speak to your vet as they may offer a pay monthly package to cover these treatments.

No, your cat’s insurance will not cover you for any illnesses that occur during the first 14 days of your policy, or for any accidental injury or poisoning that occurs during the first 3 days of your policy.

Lifetime cat insurance is the most comprehensive insurance you can get for your cat. It covers a range of illnesses and injuries that can occur at any time throughout their life, including both one-off and long-term conditions. This means that if your cat develops an illness after you take out your insurance, they’ll be covered for that condition for life. This differs from Time Limited policies, as these only cover illnesses and injuries for up to 12 months.

Lifetime insurance covers your cat up to the amount you select each year for illnesses and accidents combined, and renews annually. Lifetime policies tend to cost more than other policies, as they cover your cat for life. If you’re looking to insure your cat for ongoing conditions, Lifetime cover is a good option.

For more information on the cat insurance policies available, take a look at our policy page.

It’s difficult to say exactly how much your cat’s insurance will cost, as there are lots of different factors including your cat’s age and the type of policy that you choose.

You can take a look at our policy page to find a cover that works for your needs and budget, or to work out an accurate cost for your cat’s breed and age, you may find it helpful to get a quote.

Yes, if your cat’s dental work is due to illness or injury, then it will be covered – however, the cost of any dental crowns, root canals or fillings will not be covered. Remember, in order to be covered for dental work, you will need to keep up with your cat’s annual dental check-up with your vet, and follow any advice they provide.

No, it isn’t a legal requirement to insure your cat, but as an owner, it is your responsibility to cover the cost of your cat’s healthcare. Cat insurance can provide peace of mind for those unexpected visits to the vet by supporting you with the cost of medical expenses.

Our cat insurance provides a range of benefits to cover your furry friend, including:

  • Veterinary fees
    • MRI costs
    • CT scan costs
    • Complementary therapy
    • Physiotherapy
    • Overseas veterinary treatment
  • Death from illness, accident or injury
  • Theft or straying
  • Holiday travel cover
  • You hospitalisation and boarding fees (Lifetime cover only)

For more information on our policies and their benefits, take a look at our policy page.

You can insure your cat from 8 weeks of age – however, the age limit to take out a new policy for cats is their 10th birthday. Once your cat is insured, cover can continue beyond these age limits, subject to the terms and conditions of their policy.

No, PDSA Cat Insurance does not cover you for treatment in a PDSA Pet Hospital, and you will still be required to use your registered vet. Every PDSA Cat Insurance policy sold does however contribute to our life-saving work and helps us to treat poorly pets in need.

*Subject to availability 
^Subject to lifetime policy renewal. 

PDSA Trading Limited is an introducer appointed representative of Pinnacle Insurance plc which is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX. PDSA Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance plc. PDSA Trading Limited and Pinnacle Insurance plc are not part of the same corporate group.