Cat insurance
Get peace of mind and be ready to care for your pet when they need it most. Every policy taken out, supports our mission against animal cruelty and neglect.
- Up to £7,000 of cover per policy year
- Unlimited 24/7 vet advice, online or over the phone
- Manage claims in our easy to use online portal
Applies to cover over £4,000.
Why choose RSPCA cat insurance?
Cats are curious creatures, often finding themselves in tricky situations that may require medical attention. Our insurance plan covers these unexpected incidents, ensuring your cat receives the necessary care without the worry of vet bills that might come along.
As well as providing you with a financial safety net, every policy purchased also contributes towards the RSPCA’s efforts to prevent animal cruelty!
RSPCA Support
Every policy contributes towards the RSPCA helping less fortunate animals.
24/7 Vet Access
Get unlimited access to a team of qualified vets. Available to call or live chat 24/7.
Manage your policy online
View and manage your policy in our easy to use online pet portal.
Dental cover included
Elevate your pets well-being with dental cover that matches the value of your vet fee cover.
Insurance cover tailored for cats
Expert protection
Up to £7,000 of veterinary cover for any treatment for a condition, including physiotherapy fees that renews every year.
Dental treatment
Up to £7,000 of dental cover as recommended by your vet and includes dental treatment from accidental injury or suffering due to illness.
24/7 Vet access
Get unlimited access to a UK-registered vet on via calling or live chat at no extra cost. No excess, no impact on your renewal price.
Easy to claim
Claiming is easy, you can make claims and manage your policy via our online portal.
97% of claims paid in 5 working days* *Based on RSPCA Pet Insurance claims data from February 2024 to March 2025
Comprehensive holiday cover
You’re covered when travelling abroad with your cat or dog as standard on our Lifetime policies.
Supports the RSPCA
Every policy taken out contributes towards the RSPCA’s mission of improving animal welfare.
Compare our cat insurance policies
With pet insurance for cats from the RSPCA, you'll be ready to care for your cat or kitten when they need it. You can choose from three lifetime cover levels.
These are annual policies and if our pet insurer offers and you accept the renewal terms by agreeing to pay the premiums, you may claim the benefits covered by that policy for another year. If you reach the limit in any policy year, you will need to pay for any treatment costs over this amount. If the policy is renewed at the end of each policy year, the limit becomes available again for the next 12 months. Pre-existing conditions are not covered.
RSPCA Support
Every policy contributes towards the RSPCA helping less fortunate animals.
24/7 Vet Access
Get unlimited access to a team of qualified vets. Available to call or live chat 24/7.
Manage your policy online
View and manage your policy in our easy to use online pet portal.
Dental cover included
Elevate your pets well-being with dental cover that matches the value of your vet fee cover.
| Available policies | Lifetime £1k | Lifetime £4k | Lifetime £7k |
|---|---|---|---|
| Vet fee cover | £1,000 | £4,000 | £7,000 |
| Dental cover | £1,000 | £4,000 | £7,000 |
| Third party liability | £2,000,000 | £2,000,000 | £2,000,000 |
| Complementary treatment | £500 | £1,000 | £1,500 |
The average UK cat insurance claim is £217, get peace of mind with our cover today
Based on data from the Association of British Insurers 2023.
Making a claim is easy
Proof of treatment
Access your account
Log into your online account and click the ‘Make a claim’ button.
Make your claim
Tell us what happened and upload your treatment invoice. We’ll handle the rest.
Cat insurance FAQs
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Yes, there are age limits for taking out a new policy. But if you insure your pet before them and renew every year without a break in your cover, RSPCA Pet Insurance will insure them as they age.
The age limits for new policies are:
- Cats: From 8 weeks of age up to their 10th birthday
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Yes, you need to keep your pet's vaccinations up to date in line with your vet's advice. Our pet insurer will not pay a claim resulting from an illness your pet should have been vaccinated against.
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Yes, RSPCA Pet Insurance can pay your vet directly if you are happy for us to do so. Before you get treatment, ask your vet if they are willing to complete the claim form and send RSPCA Pet Insurance any supporting information they will need to assess your claim.
RSPCA Trading Ltd is an introducer appointed representative of Pinnacle Insurance plc. Pinnacle Insurance plc is authorised by the Prudential Regulation 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. RSPCA Pet Insurance is a trading style of and arranged, administered and underwritten by Pinnacle Insurance plc.
RSPCA Trading Ltd and Pinnacle Insurance plc are not part of the same corporate group. The RSPCA name and logo are trademarks of the Royal Society for the Prevention of Cruelty to Animals (RSPCA) and used by Pinnacle Insurance plc under licence from RSPCA Trading Limited, which pays all its taxable profits to the RSPCA. The RSPCA is a registered charity number 219099 helping animals throughout England and Wales.
You must be able to afford to pay the yearly premiums, which increase at renewal based on your pet's age, claims history and other costs such as enhancements to and inflation costs of veterinary treatments. Your premiums are likely to go up each year; there is no limit to premium increases and these could be significant to you each year and over the policy's lifetime. If a claim is paid out on your policy, your premium could double at renewal.
Looking after your cat or kitten
Compare insurance policies
With pet insurance from the RSPCA, you'll be ready to care for your pet when they need it. You can choose from three lifetime cover levels for cats and dogs and one level of cover for rabbits.
These are annual policies and if our pet insurer offers and you accept the renewal terms by agreeing to pay the premiums, you may claim the benefits covered by that policy for another year.
24/7 free virtual vet access
Spread the cost, pay monthly at no extra cost
Lifetime £1k
£1,000
£1,000
2 Million
£500
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About this plan
This lifetime policy is available for cats and dogs and can cover your pet for up to £1,000 every 12 months. If you reach the limit in any policy year, you will need to pay for any treatment costs over this amount. If the policy is renewed at the end of each policy year, the limit becomes available again for the next 12 months. Pre-existing conditions are not covered.
*Dogs only
Lifetime £4k
£4,000
£4,000
2 Million
£1,000
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About this plan
This lifetime policy is available for cats and dogs and can cover your pet for up to £4,000 every 12 months. If you reach the limit in any policy year, you will need to pay for any treatment costs over this amount. If the policy is renewed at the end of each policy year, the limit becomes available again for the next 12 months. Pre-existing conditions are not covered.
*Dogs only
Lifetime £7k
£7,000
£7,000
2 Million
£1,500
-
About this plan
This lifetime policy is available for cats and dogs and can cover your pet for up to £7,000 every 12 months. If you reach the limit in any policy year, you will need to pay for any treatment costs over this amount. If the policy is renewed at the end of each policy year, the limit becomes available again for the next 12 months. Pre-existing conditions are not covered.
*Dogs only