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Lifetime cat insurance Lifetime cat insurance Lifetime cat insurance

Lifetime cat insurance

Ongoing cover for vet fees from accidents, illnesses and conditions

What this insurance policy covers

Lifetime policies cover long-term, chronic or recurring conditions, as well as short term illness and injury. As long as the policy is renewed each year without a break, we will continue to provide cover for conditions such as diabetes or arthritis which require treatment over a long period of time.

There are 2 types of Lifetime policies, with different levels of cover.

1

Annual policy limit for all claims. You can choose a policy that covers vet’s bills up to a total amount of either £3,000 or £5,000 each year. Once the limit is reached, you’ll not be able to claim any more, until the policy renews and the amount becomes available again. Find out more >Find out more >Find out more >

2

Annual condition limit. You can choose a policy that covers each different condition (or illness), up to either £1,000, £2,000, £4,000 or £6,000 each year. Once the limit for a condition is reached you’ll not be able to claim for that condition, until the policy renews and the amount becomes available for that condition again. However, you can still make a claim for any other conditions. Find out more >Find out more >Find out more >

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Annual policy limit for all claims

We’ll pay vet’s fees up to your chosen annual cover amount in one policy year. This means that you have an annual limit and each payable claim submitted will be deducted from this total. There is no limit to the number of claims you can submit and you can submit claims until the annual limit has been reached. Once you reach your annual limit in that policy year, you’ll not be able to make any more claims until you renew your policy and the amount becomes available again.

This means that some chronic conditions, like epilepsy, can be covered year after year.

For example, if you chose an annual limit of £3,000 and your cat was to develop a skin condition and suffered damage to their paw, we would cover the cost of treatment up to £3,000 in one year (subject to any applicable excess or co-payment). When you renew your policy the annual policy limit is reset and you'll be covered up to £3,000 again, should you need it.

For example, if you chose an annual limit of £3,000 and your cat was to develop a skin condition and suffered damage to their paw, we would cover the cost of treatment up to £3,000 in one year (subject to any applicable excess or co-payment). When you renew your policy the annual policy limit is reset and you'll be covered up to £3,000 again, should you need it.

How much cover do I need?

See typical treatment costs for cats
Cover type
Annual condition
limit
Lifetime condition
limit
Annual policy
limit
Vet excess
Lifetime Assure
Annual condition limitN/A
Lifetime condition limitUnlimited
Annual policy limit£3000
Vet excess£99

Additional Benefits

If your pet injures someone or damages their property.
£2.00m
If your pet dies or is put to sleep.
£600
If you need to cancel or cut short a holiday becaue your pet needs urgent medical care
£1,000
If your pet goes missing or is stolen.
£600
Transport costs if your pet needs treatment at another vet or hospital.
If your pet causes accidental damage in someone else's home
Advertising and reward
£200
If your pet needs to go into a cattery or kennel because you're in hospital.
£600
If your pet needs urgent medical care abroad.
£2,000
Lifetime Assure Plus
Annual condition limitN/A
Lifetime condition limitUnlimited
Annual policy limit£5000
Vet excess£99

Additional Benefits

If your pet injures someone or damages their property.
£2.00m
If your pet dies or is put to sleep.
£1,200
If you need to cancel or cut short a holiday becaue your pet needs urgent medical care
£2,000
If your pet goes missing or is stolen.
£1,200
Transport costs if your pet needs treatment at another vet or hospital.
If your pet causes accidental damage in someone else's home
Advertising and reward
£200
If your pet needs to go into a cattery or kennel because you're in hospital.
£1,200
If your pet needs urgent medical care abroad.
£2,000

Annual condition limit

You can choose a cover limit to cover each condition (or illness) your pet may suffer. We’ll pay the vet’s fees for each condition, up to your chosen cover limit. Once a specific condition has reached the limit chosen, that condition will not be covered until the policy renews and the limits become available again for each condition.

This means that some chronic conditions like arthritis, can be covered year after year and does not impact on the amount of cover you have left for any other conditions your pet may suffer from in that policy year.

For example, if you chose a condition limit of £2,000 and your cat was to develop a skin condition and suffered damage to their paw, we would cover the cost of treatment for the skin condition up to £2,000 and also the damage to their paw, up to £2,000 (subject to any applicable excess or co-payment). When you renew your policy the annual condition limit is reset and you'll be covered for up to £2,000 again for each condition should you need it.

For example, if you chose a condition limit of £2,000 and your cat was to develop a skin condition and suffered damage to their paw, we would cover the cost of treatment for the skin condition up to £2,000 and also the damage to their paw, up to £2,000 (subject to any applicable excess or co-payment). When you renew your policy the annual condition limit is reset and you'll be covered for up to £2,000 again for each condition should you need it.

How much cover do I need?

See typical treatment costs for cats
Cover type
Annual condition
limit
Lifetime condition
limit
Annual policy
limit
Vet excess
Annual condition limit£1,000
Lifetime condition limitUnlimited
Annual policy limitUnlimited
Vet excess£99

Additional Benefits

If your pet injures someone or damages their property.
£2.00m
If your pet dies or is put to sleep.
£500
If you need to cancel or cut short a holiday becaue your pet needs urgent medical care
£1,000
If your pet goes missing or is stolen.
£500
Transport costs if your pet needs treatment at another vet or hospital.
If your pet causes accidental damage in someone else's home
Advertising and reward
£200
If your pet needs to go into a cattery or kennel because you're in hospital.
£500
If your pet needs urgent medical care abroad.
£1,500
Annual condition limit£2,000
Lifetime condition limitUnlimited
Annual policy limitUnlimited
Vet excess£99

Additional Benefits

If your pet injures someone or damages their property.
£2.00m
If your pet dies or is put to sleep.
£750
If you need to cancel or cut short a holiday becaue your pet needs urgent medical care
£1,000
If your pet goes missing or is stolen.
£750
Transport costs if your pet needs treatment at another vet or hospital.
If your pet causes accidental damage in someone else's home
Advertising and reward
£200
If your pet needs to go into a cattery or kennel because you're in hospital.
£750
If your pet needs urgent medical care abroad.
£2,000
Annual condition limit£4,000
Lifetime condition limitUnlimited
Annual policy limitUnlimited
Vet excess£99

Additional Benefits

If your pet injures someone or damages their property.
£2.00m
If your pet dies or is put to sleep.
£1,000
If you need to cancel or cut short a holiday becaue your pet needs urgent medical care
£1,500
If your pet goes missing or is stolen.
£1,000
Transport costs if your pet needs treatment at another vet or hospital.
If your pet causes accidental damage in someone else's home
Advertising and reward
£200
If your pet needs to go into a cattery or kennel because you're in hospital.
£1,000
If your pet needs urgent medical care abroad.
£2,000
Annual condition limit£6,000
Lifetime condition limitUnlimited
Annual policy limitUnlimited
Vet excess£99

Additional Benefits

If your pet injures someone or damages their property.
£2.00m
If your pet dies or is put to sleep.
£1,500
If you need to cancel or cut short a holiday becaue your pet needs urgent medical care
£2,500
If your pet goes missing or is stolen.
£1,500
Transport costs if your pet needs treatment at another vet or hospital.
£200
If your pet causes accidental damage in someone else's home
£750
Advertising and reward
£200
If your pet needs to go into a cattery or kennel because you're in hospital.
£1,500
If your pet needs urgent medical care abroad.
£2,000

Additional benefits

Our Lifetime policies offer extra benefits for our customers. The benefit levels depend on the cover selected.
So, as well as providing lifetime cover for your cat you’ll also have peace of mind just in case of life’s other mishaps.

Additional benefits

Our Lifetime policies offer extra benefits for our customers. The benefit levels depend on the cover selected.
So, as well as providing lifetime cover for your cat you’ll also have peace of mind just in case of life’s other mishaps.

All of our policies give you free vet video consults 24/7/365 through the joii app.

Benefits Assure and
Assure Plus
Super, Superior,
Superior Plus
Prestige
If your pet injures someone or damages their property.
If your pet goes missing or is stolen.
Advertising and Reward
If your pet needs to go into a cattery or kennel because you're in hospital.
If your pet dies or is put to sleep.
If you need to cancel or cut short a holiday becaue your pet needs urgent medical care
Transport costs if your pet needs treatment at another vet or hospital.
If your pet causes accidental damage in someone else's home
Dental accident cover
(Direct result of an accident or injury)

Assure Plus only

All of our policies give you free vet video consults 24/7/365 through the joii app.

Benefits Assure and
Assure Plus
Super, Superior,
Superior Plus
Prestige
If your pet injures someone or damages their property.
If your pet goes missing or is stolen.
Advertising and Reward
If your pet needs to go into a cattery or kennel because you're in hospital.
If your pet dies or is put to sleep.
If you need to cancel or cut short a holiday becaue your pet needs urgent medical care
For a cat walker or minder for your cat, because you're in hospital.
Transport costs if your pet needs treatment at another vet or hospital.
Personal Accident
If your pet causes accidental damage in someone else's home
Dental accident cover
Direct result of an accident or injury

Assure Plus covers as a direct result of an accident or injury. No cover for Assure.

Only as a direct result of an accident or injury.

How much cover do you need?

It is vital that you choose a cover level that is appropriate for both your cat and your budget. This way, should the worst happen to your canine friend, you can ensure that you are prepared…

Find out how much vet fees may cost

We have a range of pet insurance policies to suit your needs