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Cat Insurance
Tailored pet insurance for your cat or kitten.
- 20% discount for all of our new clients
- Choose from six levels of cover
- UK-based support
One of the UK's leading independent insurance brokers
Why choose cat insurance with Towergate?
Cat insurance covering vet fees up to £7,500
Our Maximum Benefit policies can pay up to the policy limit (£1,000, £4,250 or £7,500) for each condition, dependent on the cover selected.*
20% discount for all of our new clients
20% discount for new customers when buying a new cat insurance policy
Choose from six levels of cover
Insurance is tailored to your cat’s needs through six levels of cover: Accident Only, Bronze, Silver, Gold Premium, Lifetime Extra and Lifetime Premier.
Vet bills paid directly
Bills for any eligible veterinary treatment can be paid by Healthy Pets directly, leaving you free to look after your cat at a stressful time.
*Our Lifetime Extra policy offers £2,000 in total in each period of insurance, and £1,000 maximum for each illness or injury in each period of insurance. Our Lifetime Premier policy offers £4,250 in total in each period of insurance, and £3,250 maximum for each illness or injury in each period of insurance
About cat insurance
Cover for cat vet fees up to £7,500
Healthy Pets' cat insurance covers vet bills for illness and injury suffered by your cat, up to £7,500. This includes ongoing treatments, and can be purchased once the cat is five weeks old.
Variety of treatments covered
To make your cat insurance claim easy and stress-free, Healthy Pets pay any eligible vet bills for your cat or kitten directly. Treatment covered includes complementary medicine, cruciate ligament treatment, special diets, CT/MRI scans and associated costs, and dentistry as a direct result of an accident or injury.
Holiday and specialist cover
Cover for your cat or kitten can be extended to treat new illnesses, allow travel outside the UK, and pay for complementary treatments and specialist vet treatment.
Immediate and bespoke cat insurance
Healthy Pets offer immediate cover for accidents online, with 20% off when you join. Insurance is tailored to your cat’s needs through six levels of cover: Accident Only, Bronze, Silver, Gold Premium, Lifetime Extra and Lifetime Premier (details below).
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 01730 230 564 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Cat insurance FAQs
Our Maximum Benefit policies can pay up to the policy limit (£1,000, £4,250 or £7,500) for each condition, dependent on the cover selected. There is no limit on the number of conditions you can claim for over the policy lifetime. There is also no time limit on claiming for a condition, however cover for a condition will cease once the Maximum Benefit for it has been reached.
Our Lifetime cat insurance policies can pay up to the annual limit (£2,000 or £4,250) in each period of insurance. The Lifetime Extra policy is subject to a maximum limit of £1,000 for each condition in each policy year. The Lifetime Premier policy is subject to a maximum of £3,250 for each condition in each policy year. There is no limit to the number of conditions you can claim for over the policy lifetime.
Our Accident Only policy can pay up to the policy limit (£1,000) per accident over a 12 month period, subject to you renewing your policy with us and premiums being paid up to date. Cover for an accident will cease once the financial limit has been reached or after 12 months from the date of the first treatment, whichever comes first. There is no limit on the number of accidents you can claim for over the policy lifetime.
Our Maximum Benefit policies will cover your cat for its lifetime up to the maximum amount of benefit for each separate condition (£1,000, £4,250 or £7,500), subject to you renewing your policy with us and premiums being paid up to date.
Our Lifetime policies will cover your cat for its lifetime up to the maximum annual limit (£2,000 or £4,250) and the condition limit of £1,000 per condition pet policy year on the Lifetime Extra or £3,250 per condition per policy year on the Lifetime Premier.
Bronze, Silver and Gold Maximum Benefit policies will cover you for eligible ongoing conditions that start after the inception of your policy, up to the maximum benefit of your chosen level (£1,000, £4,250 or £7,500) and subject to you renewing your policy with us and premiums being paid up to date.
Our Lifetime policies will cover you for eligible ongoing conditions that start after the inception of your policy up to the annual condition limit of £1,000 on the Lifetime Extra cover or £3,250 on the Lifetime Premier cover with an annual limit of £2,000 or £4,250 dependent on your chosen level. The limits reinstate when the policy is renewed subject to the premiums being paid up to date.
Accident Only Cover provides £1,000 per accident for treatment costs for up to 12 months from the date of the first treatment after your pet is hurt in an accident, subject to you renewing your policy with us and premiums being paid up to date. Please see our Policy Benefits for more details.
Healthy Pets plan for your cat's future, by covering vet fees throughout its life and that of the policy.
Yes, Healthy Pets' Bronze, Silver and Gold Maximum Benefit policies cover you for eligible ongoing conditions that first occurred since your policy began, up to the maximum amount in your chosen level.
Healthy Pets' Accident Only cat insurance offers £1,000 per accident for treatment, for a period of up to 12 months from the first treatment after your cat is injured.
Healthy Pets' Lifetime Reinstatement pet insurance policies will cover your pet for eligible ongoing illnesses or injuries up to the annual limit. At renewal the limit is fully reinstated and the condition will continue to be covered.
In all cases this is subject to you renewing your policy with us and premium payments being kept up to date.
Unfortunately, Healthy Pets cannot cover illnesses or injuries which your cat has suffered symptoms of, or received treatment, medication or advice for, before your cat insurance came into force. However, any pre-existing conditions will not affect your premium.
Yes, if the alternative remedies are a feasible option recommended by your vet to help your cat’s health, then Healthy Pets will cover the cost, up to the complementary medicine limit of your chosen cover level.
- Cats and kittens less than five-years-old pay a fixed excess: £99.
- Cats between five and six years pay a fixed excess of £99 as well as a 15% co-insurance fee.
- Cats aged six years or above pay a fixed excess of £100 excess plus a 20% co-insurance fee.
Co-insurance is a common feature in pet insurance, designed to lower the cost of premiums for aging pets. You pay this as a contribution towards any amount claimed that is above the fixed excess.
For all cat insurance claims, you pay the excess for each illness or injury in each policy year. If one of your cats receives treatment for the same injury or illness in separate policy years, Healthy Pets will deduct the fixed excess from the first claim(s) for each condition in each policy year.
No, it is not mandatory to microchip your cat in order to be eligible for this cover.
Healthy Pets do not provide cat insurance for any breed that is not listed on the breed selection options when quoting. These include, but are not limited to, Savannah cats, or if your pet is crossed with a Savannah-breed cat.
If your cat would be over 13 years of age at the outset of the policy, Healthy Pets are unable to offer cover.