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Cat insurance for your purrfect friend

With our cat insurance policy, you gain free access to a 24/7 veterinary helpline and coverage for veterinary bills up to £10,000.

Manage your cat's health effectively using the Fluffy app, and enjoy rewards like reduced prices on cat food and treats

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You can find out more about the policy by reading the Insurance Product Information Document and Policy Document.

Strelka LTD, trading as Fluffy, Firm Reference No. 986188, is an appointed representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority, Firm Reference No. 609155.


Designed with your cat in mind


Veterinary fees

Up to £10k

Receive up to £10,000 coverage for your cat's surgeries, medications, and diagnostic procedures.


Dental Treatment (Accident)

Up to £750

Get up to £750 to cover dental treatments resulting from accidents.


Overseas Travel

12 Months

Enjoy the same veterinary coverage for up to 12 months when traveling within the EU, ensuring continuous care.


Complementary Treatment

Up to £750

Benefit from up to £750 coverage for complementary treatments your cat may need.



Up to £1500

Cover for the purchase price of your cat if they get lost or stolen


Missing Cat Advertising & Reward

Up to £1500

Up to £1500 is available to cover advertising costs and rewards for finding your missing cat.


Multi-pet Discount

Up to 10%

Insure more than one pet with us and get up to a 10% discount on each additional pet's insurance."


Death from Illness/Accident

Up to £1500

In the unfortunate event of your cat's death due to illness or accident, receive up to £1500.

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​Subject to the Terms and Conditions of the policy purchased. Please read the Insurance Product Information Document and Policy Document to be aware of cover limits and excess. Pre-existing conditions won’t be covered.


Providing comprehensive support every step of the way


Kittens growth plans

Get access to over 100 articles that will help you to raise a healthy and happy kitten


Veterinary Support

Our dedicated online vet helpline is available 24/7, offering expert advice whenever you need it.


Behaviourist support

Our professional 

behaviorists are on standby 24/7 to assist

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How to get cat insurance with Fluffy








Share your cat's details:

Provide us with information about your cat to receive a tailored insurance quote.

Select additional features

Choose from a range of extra services, including behaviourist assistance and 24/7 veterinary support.

Follow expert guidance

Adhere to the advice provided by our expert behaviourist and veterinarians within the Fluffy app to accumulate points.

Enjoy rewarding benefits

Redeem your accumulated points for a variety of rewards, including pet treats, food, and toys.

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over 20 more rewards

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Why do you need cat insurance?

Understanding why cat insurance is essential can be a game-changer for every responsible cat owner. Cat insurance is not just a financial tool; it's a commitment to your cat's health and well-being. Here’s why securing cat insurance is vital:

  • Financial protection: Vet bills can be unexpectedly high, especially in cases of emergencies or chronic conditions. Cat insurance covers these costs, ensuring you’re never in a position where you can't afford the best care for your cat.

  • Comprehensive health coverage: From emergency surgeries to medication, cat insurance offers coverage for a wide array of medical needs, ensuring your feline friend receives the necessary treatment without delay.

  • Peace of mind: Knowing that you have a safety net for your cat’s health can provide immense peace of mind. Whether it's an accident, illness, or routine care, you're prepared for any situation.

  • Long-term savings: Over your cat's lifetime, insurance can save you money by covering significant portions of medical expenses, particularly for chronic illnesses or multiple health issues.

  • Tailored plans: Cat insurance plans can be customized to suit your cat's specific needs, taking into account factors like breed, age, and pre-existing health conditions.

Read more about the benefits of pet insurance.

Cat Stretching on Sheets

What are the different types of cat insurance?

1. Accident-Only Coverage

This type of insurance covers treatment costs for injuries resulting from accidents. It’s a basic, cost-effective option ideal for sudden, unforeseen injuries.

The most comprehensive option, providing ongoing coverage for chronic or recurring illnesses. The policy renews annually, offering a set amount of coverage each year.

3. Time-Limited Coverage

Offers coverage for a specific period, typically 12 months, for both accidents and illnesses. There's a cap on the amount paid out, making it suitable for short-term health issues.

4. Maximum Benefit Coverage

Covers illnesses and injuries up to a specified financial limit per condition. Once the limit is reached for a condition, it’s no longer covered, but other conditions remain insured.

What is and isn't covered

What is covered


Accidents and injuries: From broken bones to accidental ingestions


Illnesses: Including chronic conditions, infections, and more. 


Surgery: Coverage for surgical procedures and associated hospital stays. 


Diagnostics: Blood tests, X-rays, MRIs, and other diagnostic tests. 


Prescriptions: Medications prescribed by your veterinarian.

What is not covered


Standard vaccinations (unless you have a wellness add-on). Neutering or spaying.
Flea, tick, and worm treatments.


Training and modification programs not prescribed by a veterinarian.


Costs associated with breeding or pregnancy


There may be age limits for coverage on certain conditions.

Wet Cat

How much is cat insurance?

When it comes to protecting your cat or kitten, one of the first questions many owners have is, "How much does cat insurance cost?" The answer isn't one-size-fits-all, as cat insurance premiums can vary based on several factors. Here’s what you need to know about the cost of cat insurance:

  • Type of Coverage: Choose from basic accident-only plans to comprehensive policies covering accidents, illnesses, and even wellness care.

  • Age of Cat: Older cats typically cost more to insure due to a higher risk of health issues.

  • Breed-Specific Factors: Certain breeds may have genetic predispositions to health conditions, impacting insurance costs.

  • Location: Veterinary costs vary by region, which can influence insurance premiums.

  • Deductibles and Reimbursement Levels: Higher deductibles can lower your premium, while higher reimbursement levels can increase it.

The average monthly cost for cat insurance can range significantly. For a basic plan, you might pay as little as a few pounds a month, while a premium plan could cost more but offers extensive coverage. To find the most accurate pricing, obtain a personalized quote based on your cat's specific details.

Read more about the costs of pet insurance.

How to make cat insurance cheaper?

1. Higher deductible plans

Opt for a higher deductible to decrease your monthly premium.

2. Customize your coverage

Tailor your policy to fit your cat's specific needs and avoid paying for unnecessary coverage.

3. Annual payment discounts

Paying your premium annually rather than monthly can often lead to discounts.

4. Multi-Cat discounts

Many insurers offer a discount when you insure multiple pets.

5. Maintain your cat’s health

A healthy cat can equate to fewer claims and lower costs over time.

Does cat insurance cover pre-existing conditions?

A common query among cat owners looking to insure their pets is whether cat insurance covers pre-existing conditions. The details can be crucial in selecting the right policy for your feline companion. Here's an overview of what you need to understand:

  • Definition of Pre-existing Conditions: Conditions that have been diagnosed or have shown symptoms before the insurance policy begins are typically not covered.

  • Insurance Policy Variations: While most policies exclude pre-existing conditions, some may cover them after a waiting period if the pet has been symptom-free.

  • Review Policy Terms: It's essential to thoroughly check the terms and conditions of any cat insurance policy for specifics on pre-existing conditions.

Insurance providers may differ in their approach to pre-existing conditions, so it’s important to:

Read more about pre-existing conditions.

Cute Cat
  • Is pet insurance worth it?
    Pet insurance is a valuable safety net, covering unexpected medical expenses. It provides peace of mind, ensuring your pet gets necessary care. It's especially beneficial for pets prone to health issues or accidents.
  • What is the cost of pet insurance?
    The cost depends on factors like your pet's age, breed, and coverage level. Basic plans are more budget-friendly but offer limited coverage. Premium plans cost more but provide comprehensive protection.
  • What pet insurance do vets recommend?
    Vets typically recommend comprehensive policies covering accidents, illnesses, and routine care. They suggest looking for plans with good coverage for chronic conditions. It's also advised to check for policies with minimal exclusions.
  • What does pet insurance cover?
    Accidents: Injuries and emergency treatments. Illnesses: From minor sickness to chronic diseases. Routine Care: Some policies include wellness visits and vaccinations.
  • Pros and cons of pet insurance
    Pros: Financial safety net for unexpected costs. Access to necessary treatments. Peace of mind for pet owners. Cons: Monthly premiums can add up. Exclusions like pre-existing conditions. Potential deductibles and co-pays.
  • Who has the best pet insurance?
    The best pet insurance varies based on individual needs. It's recommended to compare policies for coverage, exclusions, and customer reviews. Look for a balance of cost, coverage, and customer service reputation.
  • Which pet insurance that covers everything?
    No pet insurance covers 'everything,' but comprehensive plans come closest. They typically cover accidents, illnesses, and some wellness procedures. Always check for exclusions like pre-existing conditions and routine care limits.
  • How much is a vet visit for a dog without insurance?
    Costs can range widely, from basic consultation fees to hundreds for complex treatments. Emergency visits or surgeries without insurance can be particularly costly. Prices vary based on the procedure and location of the clinic.
  • What is a good annual limit for pet insurance UK?
    A good annual limit depends on your pet's potential health needs. In the UK, limits typically range from £1,000 to over £15,000. Higher limits offer more coverage but come with higher premiums.
  • Do vets charge more if you have insurance?
    Vets generally charge the same rates regardless of insurance status. Insurance helps owners afford more comprehensive care. It's more about coverage than cost differential at the vet.
  • What’s third party liability pet insurance?
    This covers costs if your pet causes injury to a person or damage to property. It's particularly important for dog owners. This insurance is a safeguard against legal liabilities.
  • How do vaccinations affect pet insurance?
    Keeping vaccinations up to date can lower pet insurance premiums. It reflects responsible pet ownership and preventive health care. Some insurers require up-to-date vaccinations for coverage.
  • What’s co-insurance or co-payment?
    Co-insurance is the percentage of a claim you pay after the excess is deducted. It's a way to share the cost of care between the insurer and the pet owner. Higher co-insurance can mean lower premiums.
  • Why are pedigree animals more expensive to insure?
    Pedigree pets often have a higher risk of inherited health conditions. They may also have higher value, increasing insurance costs. Insurers consider these factors when determining premiums.
  • Does my address matter for my pet insurance price?
    Yes, your location can affect insurance costs. Areas with higher vet fees typically have higher premiums. The risk of theft or straying can also vary by location.
  • Will property be covered if my pet damages it?
    Pet insurance usually doesn't cover damage to your own property. Third-party liability can cover damage your pet causes to others' property. Check your policy for specific exclusions.
  • Does pet insurance cover ‘cherry eye’ in dogs?
    Many insurers cover ‘cherry eye’ treatment if it's not pre-existing. Coverage depends on the specific policy and insurer. Always check for breed-specific condition exclusions.
  • Does pet insurance cover BOAS surgery?
    Coverage for BOAS (Brachycephalic Obstructive Airway Syndrome) surgery varies. Some insurers cover it if it’s not a pre-existing condition. It's important to check your policy's specifics.
  • How does my pet’s age affect pet insurance?
    Older pets often have higher insurance premiums. They are more likely to develop health issues. Age can also affect the availability of certain coverages.
  • Do I need to pay an excess for pet insurance?
    Most pet insurance policies require paying an excess. The excess is the amount paid out-of-pocket before insurance covers the rest. Choosing a higher excess can lower premiums.
  • Does pet insurance include kennel or cattery fees?
    Some policies cover kennel or cattery fees if the owner is hospitalised. This coverage is typically part of a more comprehensive plan. Always check the policy details for such benefits.
  • Can I get cover that starts immediately?
    Some insurers offer immediate cover for accidents. Illness coverage often has a waiting period. Check with your insurer for specific start times of coverage.
  • Is it better to pay for insurance annually or monthly?
    Paying annually can sometimes offer a discount. Monthly payments provide easier budgeting. Compare options to see which suits your financial situation best.
  • What should I do if my pet goes missing?
    Notify your insurer as many provide assistance for lost pets. Check if your policy includes advertising or reward costs. Also, inform local vets and animal shelters.
  • Will pet insurance cover life-threatening injuries or illness?
    Most pet insurance policies cover life-threatening conditions. This includes emergency surgeries and critical care. Check your policy for any limitations or exclusions.

Cat insurance can be confusing. But it shouldn't be!


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You're now part of the family

James Auton

Fantastic, I'm totally blown away by Fluffy!

Helen Bradfield

I wish there were care plans like this for humans

Rebecca Freeman

After looking at twenty other options, I finally found the perfect one

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