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Accident-only

Accident-only policies cover the cost of treatment if your cat is involved in an accident. Typically, this is the cheapest type of cat insurance you can get as it offers the least extensive cover. Some providers offer accident and illness policies that cover your cat if they become ill as the result of an accident, but most exclude illnesses entirely.

Time-Limited

Time-limited cat insurance covers the cost of vet fees over a 12-month period from the date you first noticed the illness or injury. When the 12-month period ends, your cat will no longer be covered for the particular injury you claimed for, even if you renew your policy.

Maximum-Benefit

Maximum-benefit policies allow you to claim for illnesses and injuries up to a pre-set limit. This is typically seen as the mid-range option. With a maximum-benefit policy, you can claim for the same condition more than once, unlike time limited policies. However, once you’ve reached the maximum amount, you’ll have to pay for further treatment yourself.

Lifetime

Lifetime cat insurance covers accidents, illnesses and conditions throughout the lifetime of the policy. The limit is renewed each year. As lifetime policies offer the most comprehensive level of cover, they tend to be the most expensive. If your pet develops an ongoing condition that you want to cover for life, you’ll need to renew your lifetime policy yearly or find a new policy that covers pre-existing conditions.

Top tip: Make sure you understand the kind of health conditions your cat will be susceptible to and think about its medical history. This will help you to pick the best cat insurance cover.