Cat Insurance

Prepare for the unexpected with PDSA 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 give PDSA Cat Insurance customers the confidence that their cat is covered in the event of an emergency. 

  • 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 Cat Insurance offers the choice to pay your vet directly*  
  • 24/7 veterinary advice online or over the phone with Petcall
  •  Your policy can be used at any vets so you can continue to use your own registered vet as usual
  • Lifetime policies cover conditions your cat develops while insured, for life^ 
  • If your cat goes missing, our Lifetime policies can help towards advertising and reward costs
  • By purchasing a policy you are contributing to our life-saving charity work

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


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

It’s your responsibility to cover the cost of healthcare for your cat, so it’s important to make sure that you can afford the cost of any treatment that they may need through their life – whether it’s an accident, injury or illness.

PDSA Cat Insurance can support you should you need to pay for vet bills.

Cats are curious creatures, so to help make sure your feline friend is covered, our cat insurance can cover you with a range of benefits, including:

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

Cat insurance can also cover some dentals, if the work is due to illness or injury. Just remember, you will need to keep up with your cat’s annual dental check-up with your vet and follow any advice they provide in order to be covered for dental work.

The level of cover that you choose will have an impact on the benefits you receive. For more information, take a look at our policy page.

Ready to cover your cat? Get a PDSA Cat Insurance quote.

Your feline friend may be covered for a trip to the vets if they get into trouble, but there are a few routine treatments that cat insurance doesn’t cover, including:

Pet insurance also does not cover pre-exiting conditions. A pre-existing condition would be a condition, symptom, illness or injury your pet is suffering or has suffered from before you take out a policy. Any conversations that you’ve had about your pet’s health or behaviour with a vet or other professionals would also be taken into consideration and would be considered as a pre-existing condition, even if your pet did not receive treatment at the time.

There is an upper age limit to start a new policy which for cats is their 10th birthday. Once your cat has been insured with PDSA Cat Insurance, you can continue to renew their cover for as long as they need it regardless of their age, subject to the terms and conditions of their policy.

For accidental injury or poisoning, you will not be covered for the first 3 days of your policy. For illnesses, you will not be covered for the first 14 days of your policy. Switching to PDSA Pet Insurance? If you can prove your previous cover runs up to the policy date, we can waive this for you.

We offer Lifetime Cat Insurance policies and Time Limited policies, both of which have different benefits for cover levels, costs and your pet’s needs:

Lifetime Cat Insurance

Lifetime pet insurance for cats is the most comprehensive insurance-type you can get for your feline friend. Lifetime Cat Insurance will cover your cat up to the amount you select each year for illnesses and accidents combined – this will renew annually. Lifetime Cat Insurance policies are usually more expensive than others, because they cover costs for long term conditions such as diabetes, arthritis and skin problems, for as long as your policy is renewed. This includes accidents and illnesses, which can occur unexpectedly – after all, cats do have nine lives!

When it comes to your cat insurance needs, Lifetime Cat Insurance is a good option if you are looking to insure your cat for peace of mind for long-term and ongoing conditions.

Time Limited Cat Insurance

Time Limited policies differ from Lifetime policies, because they only cover illnesses and injuries for up to 12 months. Once your 12 months are up, or when you reach the maximum amount chosen for your policy, your pet will be no longer covered for that condition, or any related issues.

If you’re looking for a cheaper cat insurance to meet your budget, Time Limited Cat Insurance may be a good option. Time Limited Cat Insurance can provide short-term cover against illnesses and sudden accidents.

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

There isn’t a one size fits all when it comes to cat insurance price – it will all depend on factors including the level of cover you choose, the type of policy and your cat’s age. Generally, a Time Limited policy will be cheaper than a more comprehensive cover such as Lifetime Cat Insurance, and insuring an older cat may also have an impact of the overall cost of your cat’s insurance.

To find out more about the levels of cover that could work for your needs and budget, take a look at our policy page. To get an accurate cost for your cat’s breed and age, you may find it helpful to get a PDSA Cat Insurance quote.  

No, you don’t have to insure your cat and it isn’t a legal requirement to do so. However, it is your responsibility as a pet owner to cover the cost of your cat’s healthcare. Cat insurance can help with those unexpected visits to the vet, by supporting you with the cost of medical expenses.

No, you will need to continue to use your registered veterinary practice for any treatment required.

Every PDSA Cat Insurance policy sold contributes to our life-saving work and helps us to treat poorly pets who need it most.

*Providing your Vet agrees to be paid directly.
^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. 

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