20 %
Introductory Discount
plus
10 %
Multi-pet Discount
Cat insurance from £3.33 per lunar month
Start Quote

*Premium shown is paid lunar monthly including introductory discount based on a moggie, under 8 years old, living in York on a Time Limited Bronze policy.

Cat Insurance For Pets And Pockets Of All Sizes!

Whether your priority is buying on a budget or finding a comprehensive cat insurance policy, not only do we offer 4 different types of pet insurance policy from Accident Only to a Lifetime policy but you can also tweak your policy further with our range of Elective Benefits.

The cat insurance policy types and benefits on this page are available for kittens aged just 5 weeks old to cats under 8 years old. If your pet is older than 8 you will need to see our senior cat insurance page.

For more information watch our quick video or keep reading.

Choose From 4 Policy Types To Start

To start your quote simply choose the policy type that suits your needs. We offer the following:

  • Accident Only - Vet’s Fees cover should your pet require treatment for an injury caused by an accident

The following include all of our cat insurance benefits as shown in the table below, the difference being the cover amounts available and how Vet’s Fees cover works:

  • Time Limited - Vet's Fees cover for up to 365 days from the date each injury or illness first showed clinical signs
  • Maximum Benefit - Vet's Fees cover for each injury or illness to the maximum amount available irrespective of the time taken to reach it
  • Lifetime - Vet’s Fees cover renews each policy term throughout the life of your pet as long as premiums are kept up to date

What Additional Elective Benefits Can I Add?

Our Elective Benefits allow you to tweak your cat insurance policy with the following:

  • European Cover*
  • Euthanasia and Cremation*
  • National Pet Register
  • Premium Waiver
  • Legal Helpline

* not available on Accident Only policies

For further details simply read on or get a free no-strings quote and find out if you could be better off insuring your cat with The Insurance Emporium.

Find the Right Policy For You

Our Range of Cover Levels

Check out our easy-to-read Table of Benefits below to see which level of cover will give you the protection you need.

Table of Benefits
   
  • Vet's Fees i
  • Death of Pet i
  • Boarding Cattery Fees i
  • Holiday Cancellation i
  • Loss by Theft or Straying i
  • Advertising & Reward i
  • Accidental Damage i
  • Personal Accident i
Accident Only  
  • £3,000
Time Limited
Bronze
  • £1,500
  • £1,000
  • £750
  • £1,250
  • £1,000
  • £750
  • £700
  • £150
Silver
  • £4,000
  • £1,250
  • £1,000
  • £1,500
  • £1,250
  • £800
  • £750
  • £200
Gold
  • £6,000
  • £1,500
  • £1,250
  • £1,750
  • £1,500
  • £850
  • £800
  • £250
Maximum Benefit
Bronze
  • £2,000
  • £1,000
  • £750
  • £1,250
  • £1,000
  • £750
  • £700
  • £150
Silver
  • £4,500
  • £1,250
  • £1,000
  • £1,500
  • £1,250
  • £800
  • £750
  • £200
Gold
  • £7,500
  • £1,500
  • £1,250
  • £1,750
  • £1,500
  • £850
  • £800
  • £250
Lifetime
Bronze
  • £2,500
  • £1,000
  • £750
  • £1,250
  • £1,000
  • £750
  • £700
  • £150
Silver
  • £5,000
  • £1,250
  • £1,000
  • £1,500
  • £1,250
  • £800
  • £750
  • £200
Gold
  • £8,000
  • £1,500
  • £1,250
  • £1,750
  • £1,500
  • £850
  • £800
  • £250
Table of Benefits
   
  • Vet's Fees i
  • Death of Pet i
  • Boarding Cattery Fees i
  • Holiday Cancellation i
  • Loss by Theft or Straying i
  • Advertising & Reward i
  • Accidental Damage i
  • Personal Accident i
Accident Only  
  • £2,500
Time Limited
Bronze
  • £1,000
  • £750
  • £500
  • £1,000
  • £750
  • £600
  • £500
  • £100
Silver
  • £3,500
  • £1,000
  • £750
  • £1,250
  • £1,000
  • £650
  • £600
  • £150
Gold
  • £5,000
  • £1,250
  • £1,000
  • £1,500
  • £1,250
  • £700
  • £650
  • £200
Maximum Benefit
Bronze
  • £1,500
  • £750
  • £500
  • £1,000
  • £750
  • £600
  • £500
  • £100
Silver
  • £4,000
  • £1,000
  • £750
  • £1,250
  • £1,000
  • £650
  • £600
  • £150
Gold
  • £6,000
  • £1,250
  • £1,000
  • £1,500
  • £1,250
  • £700
  • £650
  • £200
Lifetime
Bronze
  • £2,000
  • £750
  • £500
  • £1,000
  • £750
  • £600
  • £500
  • £100
Silver
  • £4,500
  • £1,000
  • £750
  • £1,250
  • £1,000
  • £650
  • £600
  • £150
Gold
  • £6,500
  • £1,250
  • £1,000
  • £1,500
  • £1,250
  • £700
  • £650
  • £200

Your legal liability to others for compensation and costs arising out of your ownership of your dog.

The cost of treatment and/or complementary treatment of each injury, illness or condition.

If your pet dies or is put to sleep following an injury, illness* or condition, the price paid less 50% for pets aged 6 years or more or 25% for neutered pets up to the age of 6 years. *Excludes death due to illness of any pet aged 8 years or over.

The cost of boarding your pet if you are hospitalised for at least 3 days.

The cost of cancellation or curtailment within 14 days of departure if your pet needs emergency life-saving surgery.

If your pet is not found within 28 days of straying or being stolen, the price paid less 50% for pets aged 6 years or more or 25% for neutered pets up to the age of 6 years plus a sum for advertising for the return of your pet.

The cost of advertising for the return of your pet or paying a reward which leads to its return.

The cost of accidental damage to another’s personal property.

Income lost following you being bitten by your pet.

Your legal liability to others for compensation and costs arising out of your ownership of your dog.

The cost of treatment and/or complementary treatment of each injury, illness or condition.

If your pet dies or is put to sleep following an injury, illness* or condition, the price paid less 50% for pets aged 6 years or more or 25% for neutered pets up to the age of 6 years. *Excludes death due to illness of any pet aged 8 years or over.

The cost of boarding your pet if you are hospitalised for at least 3 days.

The cost of cancellation or curtailment within 14 days of departure if your pet needs emergency life-saving surgery.

If your pet is not found within 28 days of straying or being stolen, the price paid less 50% for pets aged 6 years or more or 25% for neutered pets up to the age of 6 years plus a sum for advertising for the return of your pet.

The cost of advertising for the return of your pet or paying a reward which leads to its return.

The cost of accidental damage to another’s personal property.

Income lost following you being bitten by your pet.

Why Insure Your Cat With Us

2 Types Of Cat Pedigree & Moggie
£0 Excess To Pay Except On Vet's Fees
4 Policy Types To Choose From

Read The Not Small Print

We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use so we've put them in this helpful box of not small print!

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20% discount on new policies for the first year. But don’t worry, we also offer a Loyalty Scheme to reward faithful customers after 12 months.

Insure more than one pet with us and you will be eligible for an extra 10% discount on your pet insurance, a potential 30% discount (including 20% Intro Discount).

This is based on a customer located outside of London and the Home Counties with a Moggie aged from 5 weeks to just under 8 years on an Accident Only policy with no Elective Benefits selected.

A lunar monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.

How do your pet policies work?
Because we want you to have the flexibility that really suits your lifestyle, we offer five different policy types. Take a look at our handy flowchart to find out exactly how our policy types can benefit you.

Does the policy cover physiotherapy for my cat?
Yes, if you have selected a policy that includes veterinary fees. Acupuncture, homeopathic or herbal medicines, hydrotherapy, laser treatment, physiotherapy and ultrasound are included for the treatment of a condition covered by your policy, if recommended by your vet. Limitations apply for hydrotherapy, please see the policy wording.

Does the policy cover prescription diet?
The veterinary fees section on the Time Limited, Maximum Benefit and Lifetime policies includes cover for prescription diet for the treatment to dissolve bladder stones or crystals in urine only. Limitations apply, please see the policy wording.

If my cat is not vaccinated can I still arrange cover?
Yes, although unvaccinated cats are not covered for: feline infectious enteritis, feline leukaemia and cat flu. In addition, any treatment required for an illness that may have been prevented with a routine vaccination will be excluded (unless the vaccine failed).

Are there any treatments I am unable to claim for?
We will not pay for preventative, cosmetic and routine treatments as well as claims for any behavioural problems. Please refer to the policy wording for full details.

Am I able to claim for any dental treatment for my cat within this policy?
Routine treatment such as scaling, polishing teeth and the removal of deciduous teeth are not covered nor are claims in respect of tooth or gum disease. However, we would consider claims due to injury.

Would the policy cover if my cat fell ill a few days after buying the policy?
No, the policy excludes any illness displaying clinical signs within 14 days of the policy commencing. Please refer to the policy wording for details of all exclusions.

Are all breeds of cat covered by the policy?
Currently we insure all breeds of domestic cats but any application is subject to underwriting approval.

Can I insure a moggie?
Yes. Simply select moggie when going through the quote process?

What help will my policy offer if my cat is lost?
As part of your policy, we offer cover for advertising and reward to help with the cost of getting your cat back. If your cat is not found within 28 days of straying or being stolen from your address we will pay the price you paid for the cat, less 50%, for a pet aged 6 years or more. For neutered cats up to the age of 6 years, we will pay the price paid for the cat, less 25%. If you are unable to prove a purchase receipt, you will receive a payment of £40.

Each policyholder may choose the Elective Benefit 'The National Pet Register', a 24 hour lost and found service available to help reunite missing pets with their owner.

If my cat has a condition which needs ongoing treatment, do I need to wait until the treatment has finished before I can make my claim?
No you do not have to wait, claims should be submitted as soon as the cat receives treatment.

My cat has suffered medical problems in the past are you still able to offer me cover?
Yes, we can still insure your cat but you are obliged to inform us oof any previous medical conditions your cat has suffered in the past. We do not cover conditions that first showed clinical signs, happened or existed before the commencement date/time shown on your policy schedule. We also do not cover conditions that first showed clinical signs, happened or existed within the first 14 days of the policy inception. All applications are subject to approval.

What should I do if my cat is referred on to a specialist?
Please submit an additional claim form and invoices from the specialist.

Do you cover hereditary conditions?
Yes, as long as the condition doesn't first show clinical signs, happened or existed at the commencement date/time shown on your policy schedule or within the first 14 days of the policy inception.

Do you cover congenital conditions?
Yes, as long as the condition doesn't first show clinical signs, happened or existed at the commencement date/time shown on your policy schedule or within the first 14 days of the policy inception.

I am currently insured on the cat policy, what happens to my policy when my cat turns 8?
You will remain on the cat policy until the first annual policy review after your pet turns 8, at which point you will be transferred onto the relevant senior cat policy.

I'm thinking about taking out more than one pet policy with The Insurance Emporium, will you give me a discount?
Yes, we offer a 10% discount on each subsequent pet policy you take out with us. Total maximum discount is 30%. There is no limit to the amount of pets that you can insure; multi-pet discounts apply to dogs or cats or a combination of the both.

What amount will I have to pay as an excess?
There is no excess except on Vet's Fees (calculated by policy type and cover level).

How are premiums calculated for my cat?
We calculate your premiums based on the breed and age of your cat, along with cover levels, area and the policy type you have chosen.

What does Accident Only mean?
The Accident Only policy provides cover for veterinary fees for treatment after an injury caused by an accident.

What does Time Limited mean?
The Time Limited policy provides cover for veterinary fees for up to 365 days from the date each injury or illness first showed clinical signs. There are 3 levels of cover available: Bronze, Silver and Gold.

What does Maximum Benefit mean?
The Maximum Benefit policy provides cover for veterinary fees for each injury or illness to the maximum amount available irrespective of the time taken to reach it. Once the amount has been reached, the treatment (condition) won't be covered again. There are 3 levels of cover available: Bronze, Silver and Gold.

What does Lifetime mean?
The Lifetime policy provides cover for veterinary fees for each injury or illness. Cover renews each policy term throughout the life of the pet as long as premiums are kept up to date. There are 3 levels of cover available: Bronze, Silver and Gold.

A lunar monthly policy runs for, and premiums are collected on, equal periods of 28 days. This type of policy renews every 28 days.

Runs for 365 days from the commencement date and time shown on Your policy schedule; automatically renews annually.