Protect your cat with RSPCA Cat Insurance

Insure your cat or kitten with insurance designed for one of the most popular pets - our beloved cats. With cat insurance from the RSPCA, you’ll be ready to care for your cat when they need it.

For details about our products, view our product information page. Pet insurance provided by Pinnacle Insurance PLC.

Defaqto 5* expert rated, applies to cover over £4,000. Time limited and Rabbit cover excluded.

Why choose RSPCA Cat Insurance

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.

Multi-pet discount

You’ll receive a multi-pet discount for each pet you insure with us.

Compare cat insurance

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.

Defaqto 5* expert rated, applies to cover over £4,000. Time limited.
 24/7 free virtual vet access
 Spread the cost, pay monthly with 0% interest
 Manage your claims and policy online

Lifetime 1k

£1,000

Vet fee cover

£1,000

Dental cover

£500

Complementary treatment

  • About this plan

    This lifetime policy is available for cats and kittens 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.

Lifetime 4k

£4,000

Vet fee cover

£4,000

Dental cover

£1,000

Complementary treatment

  • About this plan

    This lifetime policy is available for cats and kittens 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.

Lifetime 7k

£7,000

Vet fee cover

£7,000

Dental cover

£1,500

Complementary treatment

  • About this plan

    This lifetime policy is available for cats and kittens 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.

Please note: 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.

Frequently asked questions

  • Does it matter how old my cat is?

    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
  • Do I have to keep my pet vaccinated?

    Yes, you need to keep your cat'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 cat should have been vaccinated against.

  • If I need to make a claim, can you pay my vet directly?

    Yes, RSPCA Pet Insurance can pay your vet directly if you are happy for them 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.