Cat Insurance
Purr-fect for Your Feline Friend
We Pay 99% of Claims in 5 Working Days*
*Based on Everypaw claims data from January 2025 to January 2026
Why Everypaw Cat Insurance?
From playful Siberians to friendly Persians and sweet British Shorthairs, cats are curious creatures. This can get them into mischief, and when that happens, pet insurance for your cat can help get them back on their paws. Luckily, Everypaw knows exactly what's needed when it comes to cat insurance and keeping your furry feline friend's nine lives intact
Everypaw partners with David Baddiel: Cat Man
Everypaw is proud to sponsor David Baddiel: Cat Man, a brand-new Channel 4 series that celebrates everything we love about cats. Hosted by David Baddiel, Cat Man explores the quirks of cat behaviour, shares heartwarming stories from cat owners across the UK and brings you fascinating feline facts you won't want to miss.
Don't miss out and join us in celebrating the wonderful world of cats! You can stream all three episodes now on Channel 4 now.
Choosing Pet Insurance for Cats
Whether you're au fait with cat ownership or new to parenthood, choosing insurance for cats takes some thought. You want the best for your furry friend, but it needs to work for you too.
Everypaw's all about Lifetime Pet Insurance. And with new policies available from 8 weeks old, you should be able to find the cat or kitten insurance cover that's right for both of you.
Cat Insurance for Older Cats
As your cat gets older, they are more likely to develop illnesses. Unfortunately, it’s just a fact of life and one of the many things to look out for in older cats. That’s why we don’t have age limits on our policies.
Our pet insurance for older cats, alongside your love and affection, can help make sure your older cat is well looked after well into their golden years.
5 Star Lifetime Cat Insurance
Want some extra peace of mind when choosing insurance for your cat? Two levels of our Lifetime cover have been rated 5 Stars for 9 years in a row by independent financial business, Defaqto.
Compare cat insurance
When it comes to insurance for cats, it can pay to compare vet fee limits and benefits before committing. Whether you’re looking to insure a Ragdoll, Siamese, Norwegian Forest or another cat breed, our comparison table lays out our levels of Lifetime Cat Insurance, so you can compare vet fees and the maximum benefits available to you.
Vet fees | £1k, £2k | £4k | £6k, £8k, £10k |
|---|---|---|---|
Vet fees per yearincluding overseas veterinary treatment | £1,000 or £2,000 | £4,000 | £6,000, £8,000 or £10,000 |
Set excessper condition, per year | £110 | £110 | £110 |
Dental treatmentas part of your vet fee cover | Included | Included | Included |
Complementary treatmentas part of your vet fee cover | Up to £750 | Up to £1,000 | Up to £1,500 |
Physiotherapyas part of your vet fee cover | Up to £750 | Up to £1,000 | Up to £1,500 |
Finding your cat | Up to £750 | Up to £1,500 | Up to £2,000 |
Loss by theft or straying | Up to £750 | Up to £1,500 | Up to £2,000 |
Emergency boarding fees | Up to £750 | Up to £1,500 | Up to £2,000 |
Death from illness | Up to £750 | Up to £1,500 | Up to £2,000 |
Death from accident | Up to £750 | Up to £1,500 | Up to £2,000 |
Cremation or burial | £200 | £200 | £200 |
PawSquadunlimited 24/7 access to a vet team | Included | Included | Included |
Pet Portalmanage your pet policy online | Included | Included | Included |
The benefit values and excess amount featured in the table vary across the different levels of cover and will depend on the cover you choose. Please check your cover before purchasing.
All policies and features are subject to special conditions and exclusions of the insurers, please click the link to read about our policy exclusions.
Excess is applicable to all vet fees claims. When your pet reaches a certain age, the excess payable may change. The excess will be your set excess plus a percentage of your claim amount.
Exclusions to Our Pet Insurance for Cats
We know how important it is for you to find the most suitable insurance for your cat. We also know that a big part of being able to find the right policy is having a clear idea of what's not included. With that in mind, some of the main exclusions on our cat insurance policies are treatment for:
So, here are a few of the main exclusions on our pet insurances:
- Treatment for any pre-existing conditions
- Treatment for poisoning or any accidental injury that occurs in the first 3 days of your policy*
- Treatment for any cat illness that occurs in the first 14 days of your policy*
- Treatment related to vaccine-preventable conditions
- Treatment related to breeding, pregnancy or birthing
- Treatment on baby teeth if your pet is over 16 weeks when your policy starts
*Switching to Everypaw Pet Insurance? If you can prove your previous insurance runs up to the policy start date, we can waive this for you.
Please note the above is not a comprehensive list of our exclusions. You can also check out our policy document for more details.
Perfect and Faultless Service from Everypaw
"During a very worrying time, Everypaw made this so much easier. The claims process was so simple and the response time amazed me with the claim being approved in less than 24 hours allowing us to focus on getting our boy through his recovery." - Genuine customer review by DMK on the 17th June 2025
Making a Claim on Your Cat Insurance
We hope you never need to claim on your policy. After all, we want your cat to stay strong and healthy just as much as you do! But if something does happen, making a claim is quick and easy with Vet Pawtal. With Vet Pawtal, your vet submits the claim so you can take the time to look after your cat.
If your vet doesn’t have access to Vet Pawtal, you can still submit the claim in the Pet Portal. If you’re not registered for the Portal, you can download a claim form and submit it following the instructions on the form, but this can take longer than submitting your claim online.
For more information, head to our Pet Insurance Claims information page.
How to Get a Cat Insurance Quote
Want a hassle-free cat insurance quote? Our form takes just 3 minutes to complete. All you have to do is:
- Enter some basic details about your cat, including its age, breed and sex.
- Fill out some personal details, including your address and email.
- Select your vet fees limit.
- Just like that, you'll have your cat insurance quote! And we'll show the price for the year as well as a monthly breakdown.
Counting the Claws? We Cover Multi-cats
When one fluffy ball of fur isn't enough, that's when you need multi-cat insurance policies to take care of all your furry friends. With Everypaw's multi-pet insurance policies for cats, dogs and rabbits, you won't find a limit on the number of pets you can cover. Plus, with every new pet, you get our multi-pet discount.
If you want to get another pet but aren’t sure which animal would suit you best, take a look at our cat, dog and rabbit breed guides. There you can learn about each breed’s characteristics, lifespan, lifestyle, health conditions, grooming habits and more.
Whether you’re looking for a playful puppy, a sociable bunny or a cuddly cat companion, each beautiful breed is unique.
Cat Insurance FAQs
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 1.8 million pet claims in the UK in 2024.
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 and we can provide pet insurance for older cats too. There's nothing to worry about, when we say lifetime, we mean lifetime.
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 access to PawSquad's RCVS-qualified vets, a 24/7 video, audio and live chat service. If your little bundle of fluff isn't their usual bouncy self or if you need some parenting advice, the expert vet team is 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.
Pet insurance for cats 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 2024 was £389. 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.
If you’re welcoming a new furbaby into your home and want to protect your belongings while they find their feet (or paws), take a look at our tips for kitten-proofing 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 is a legal requirement to have your cat microchipped. Not doing so could result in a fine of up to £500. Cat 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.
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:
- Make sure you have your existing policy number handy
- Get your cat insurance quote here
- Fill in your pet’s details and make sure you use the same email address
- Select a level of cover and continue to our Review your quote page
- Scroll down to the Multi-pet discount section and click Add existing pet policy
- 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.
Time to Get a Cat Insurance Quote?
Even before they've put their claws through the curtains and for the times they don't land on their feet, we'll be there. While we can't replace your curtains, we will look after your kitty with cat insurance to keep them purring.
More on Cat Insurance in the UK
We're all about Lifetime Pet Insurance here at Everypaw - learn more about what our coverage means for you and your fluffy pals.
Kittens are adorable... and chaotic.So, they might need a different type of coverage! Discover what we can offer your tiny ball of energy
From British Shorthairs to Bengals to Balinese, we have in-depth cat breed guides to help you assess what kind of care your companion needs - or just to help you get to know them a little better.
A gentle older cat has different needs to a younger kitty. Learn more about the coverage we can offer older cats.
