Cat insurance
Affordable cover built on 25 years’ experience. Your pet, our passion.
Rated 'Excellent' by customers
Cat insurance to suit your needs and budget.
Finding the right cat insurance can be complicated, but you can rest easy in the knowledge that Animal Friends is Defaqto's Pet Insurer of the Year 2024/25. We’ll only give you quotes for the options that suit you and your feline friend - find out how our policies work below:
Our policies
We have 5 types of pet insurance policies, including two options for Lifetime, each with different levels of cover for the cost of vet fees.
This aims to protect your cat if they have an accident. It doesn’t cover you for any illnesses or diseases they might have. If your cat has an accident, the policy offers £2,500 per year towards the cost of treating their injuries. The £2,500 limit applies to each accident your cat might have, and there’s no limit to the number of accidents you can claim for.
Each accident also has a lifetime limit of £15,000 – as long as you renew your policy. So, you can make claims over multiple years if your cat needs long-term treatment for their injuries – up to the £2,500 annual limit.
Time Limited products which aim to protect your cat if they become ill or are injured in an accident. You can claim up to a set amount for vet fees for each condition your cat might have.
Each new condition is covered for 12 months – as long as you renew your policy. The 12 months starts from the date your cat first showed signs or symptoms of the condition. Once you reach your vet fee limit – or after 12 months, whichever comes first – we won’t cover that condition anymore, even after you renew.
The annual limit for the product you choose is the most we’ll pay in total each year for all conditions.
Maximum Benefit policies aim to protect your cat if they become ill or are injured in an accident. You can claim up to a set amount for vet fees for each condition your cat might have. You can claim for as many conditions as you need to, as long as you stay within the vet fee limit for each condition. Once you reach the limit for a condition, you won't be able to make a claim for it again, even after you renew.
Lifetime Annual Limit
Lifetime Annual Limit policies aim to protect your cat if they become ill or are injured in an accident. This policy allows you to claim up to a set amount for vet fees each policy year. You can claim for as many conditions as you need to each policy year, as long as you stay within your vet fee limit. The limit resets when you renew, and we’ll cover your cat’s conditions for as long as you have a policy with us.
Lifetime Condition Limit
Lifetime Condition Limit policies aim to protect your cat if they become ill or are injured in an accident. This policy allows you to claim up to a set amount for vet fees per policy year for each condition your cat might have. You can claim for as many conditions as you need to each policy year. This limit resets when you renew, and we’ll cover your cat’s conditions for as long as you have a policy with us.
Pet insurance premiums increase as your pet gets older, as the chance of your pet becoming ill increases. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your cat turns 10 years old.
How much cover do you need?
According to the Association of British Insurers, the average vet claim was £848 in 2021.
Knowing how much your cat could cost is important so you’re prepared with the right type of policy and we’re here to help with cover up to £18,000 in a year.
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Cat insurance FAQs
Cat insurance helps you to cover the cost of veterinary treatment if your cat gets injured or falls ill. It can also have additional benefits such as cover for if your cat dies or is put to sleep (if you paid for them) or if they injure someone or damage their property.
It is important to choose a cat insurance policy that best suits your needs now and in the future. We have policies that can provide cover for accidents and illnesses. If you would like to cover your cat for long-term conditions which will need treatment year after year, such as diabetes, then you may prefer a Lifetime policy. If you have a smaller budget then you may choose to have cover for accidents only or for an illness that will not last more than 12 months.
Find out which policy meets your needs by completing an online quote.
Our Prestige and Lifetime £5,000 policies will cover dental and gum treatment if it is a direct result of an accident or injury.
Our Lifetime £10,000 and Lifetime £18,000 policies cover treatment for dental illness and accidents.
In all cases, your pet will have needed a dental exam within a year before the injury or illness took place, and you must have followed the vet’s advice.
If your cat is lost or stolen we will pay a percentage of the amount you paid or donated for them, depending on their age, up to the cover limit amount in the policy you choose.
This benefit is not available on our Accident Only policies.
If your cat has been unwell or was injured before, this is known as a pre-existing condition. Pre-existing conditions aren't covered by our policies.
We consider a condition to be pre-existing if it was first noticed before your policy start date or within the waiting period, whether your pet needed treatment previously or not.