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.
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Manage your cat's health effectively using the Fluffy app, and enjoy rewards like reduced prices on cat food and treats
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.
Theft/Straying
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
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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:
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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.
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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.
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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.
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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.
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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.
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Read more about the benefits of pet insurance.
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.
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:
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Type of Coverage: Choose from basic accident-only plans to comprehensive policies covering accidents, illnesses, and even wellness care.
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Age of Cat: Older cats typically cost more to insure due to a higher risk of health issues.
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Breed-Specific Factors: Certain breeds may have genetic predispositions to health conditions, impacting insurance costs.
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Location: Veterinary costs vary by region, which can influence insurance premiums.
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Deductibles and Reimbursement Levels: Higher deductibles can lower your premium, while higher reimbursement levels can increase it.
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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.
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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:
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Definition of Pre-existing Conditions: Conditions that have been diagnosed or have shown symptoms before the insurance policy begins are typically not covered.
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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.
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Review Policy Terms: It's essential to thoroughly check the terms and conditions of any cat insurance policy for specifics on pre-existing conditions.
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Insurance providers may differ in their approach to pre-existing conditions, so it’s important to:
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Read more about pre-existing conditions.
Articles about cat insurance & health
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