Cat Insurance

Whether you want insurance for a kitten or an older cat, keep your furry friend protected from illness and injury with Cat Insurance from Swinton.

Why do I need Cat Insurance?

At Swinton, we know that your cat is incredibly important to you. That’s why we believe it’s important to protect them with Swinton Cat Insurance policy.

So no matter how many lives your cat has left, you can rest assured that you’ll be covered by Cat Insurance in the event they’re injured or become ill (exclusions apply — check your policy wording for details). That means that you can focus on what’s important — loving them to pieces!

Looking to insure another pet? Look at all our Pet Insurance policies.

Why choose Swinton to insure your cat?

  • Speak to veterinary professionals for free with the Swinton vet line
  • Lifetime cover available for vet bills, legal fees, and more. Limits apply.
  • Choose your level of cover and tailor your insurance benefits to build a policy that suits your cat’s needs.
  • Get great benefits and connect with fellow pet lovers through the Swinton Pet Club on Facebook, Instagram and Twitter.
  • Insure your cat with one of the most trusted and well-established insurance brokers in the UK. Customers give us 4.5 out of 5 with Trustpilot.

What’s covered by Cat Insurance?

Here at Swinton, we know that every cat is unique from head to paw! To make sure your cover is tailored to your cat’s needs, choose from two Lifetime Pet Insurance products — Essentials and Classic — so you can decide which suits your furry friend the best.

Each product provides a different level of cover for your cat, plus you can choose three levels of cover for whichever product you choose — £2,000, £4,000 or £7,000.

Cover level - £2000

Feature/benefit

Essentials Classic

Vet fees:

£2,000 £2,000

MRI/CT scans*

£1,000 £1,500

Cruciate Ligament*

£2,000 £2,000

Dental treatment*

£1,500 £2,000

Complementary treatments*

£500 £750

Behavioural problems*

£750 £750

Prescription food*

£100 £100

Travelling abroad - Vet fees*

  £2,000

Third party liability

£1m £1m

Accidental damage

  £250

Emergency boarding

£500 £500

Lost/Stolen

  £1,000

Advertising and reward

  £600

Death by accident

  £1,000

Death by illness

  £1,000

Holiday cancellations and associated costs per year

  £500

Maximum trip length per year

  30 days

*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.

Cover level - £4000

Feature/benefit

Essentials Classic

Vet fees:

£4,000 £4,000

MRI/CT scans*

£2,000 £3,000

Cruciate Ligament*

£2,500 £4,000

Dental treatment*

£3,000 £4,000

Complementary treatments*

£750 £1,000

Behavioural problems*

£1,000 £1,000

Prescription food*

£100 £150

Travelling abroad - Vet fees*

  £4,000

Third party liability

£1m £1m

Accidental damage

  £500

Emergency boarding

£500 £750

Lost/Stolen

  £1,500

Advertising and reward

  £800

Death by accident

  £1,500

Death by illness

  £1,500

Holiday cancellations and associated costs per year

  £750

Maximum trip length per year

  60 days

*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.

Cover level - £7000

Feature/benefit

Essentials Classic

Vet fees:

£7,000 £7,000

MRI/CT scans*

£3,000 £4,500

Cruciate Ligament*

£3,000 £7,000

Dental treatment*

£5,000 £7,000

Complementary treatments*

£1,000 £1,500

Behavioural problems*

£1,500 £1,500

Prescription food*

£100 £200

Travelling abroad - Vet fees*

  £7,000

Third party liability

£1m £1m

Accidental damage

  £750

Emergency boarding

£500 £1,000

Lost/Stolen

  £2,000

Advertising and reward

  £1,000

Death by accident

  £2,000

Death by illness

  £2,000

Holiday cancellations and associated costs per year

  £1,000

Maximum trip length per year

  90 days

*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.

Policy documents

Essentials

Policy Wording (PDF - 397KB)

Classic

Policy Wording (PDF - 426KB)

Swinton Cat Insurance Benefits

Just some of our pawsome benefits include:

Classic and Essentials

  • Vet fees - If your cat is injured or falls ill and needs vet treatment, we’ll make sure the costs are covered up to your chosen cover limit. This includes recommended complementary therapies like physiotherapy, osteopathy and hydrotherapy.
  • Emergency boarding — If you or anyone normally living with you needs to be admitted to hospital unexpectedly for three or more consecutive days, Cat Insurance covers the cost of licenced boarding, kennels or pet sitting up to your chosen cover limit.

Classic only

  • Theft/straying — In the unfortunate event your cat is stolen or goes missing, we’ll provide cover for any advertising and/or reward costs for their safe return.
  • Death by accident or illness — If your cat tragically passes away or needs to be put to sleep following an accident or illness we’ll cover the price you paid for them.
  • Travelling abroad — If you need to cancel or delay a holiday because your cat has a life-threatening illness or injury, we’ll contribute towards additional costs. You’ll also be covered for the cost of treatments should your cat fall ill or be injured when traveling within the EU.

With Swinton Cat Insurance, you can also:

  • Access and view your policy 24/7 with our online hub
  • Speak to us via live chat or our UK-based call centre

What types of policies are available from Swinton?

All of the products available through Swinton Pet Insurance are Lifetime policies. These are the most comprehensive kinds of policy, offering cover against injury and illness for your cat’s lifetime.

You need to renew your policy with no insurance gaps to ensure continuing cover. Please note that when you renew your policy, your cover limit resets to fund any new and ongoing claims.

How much does Cat Insurance cost?

The cost of Cat Insurance will depend on a number of deciding factors: the type of policy that you choose, the age and breed of your cat, and the area that you live in.

  • Your address - The cost of veterinary treatment varies across different postcodes. If you live in a high-cost area, you’re likely to have to pay more to insure your cat.
  • Your cat’s age - Sadly, older cats are at a higher risk of developing disease than their younger counterparts, so your cat’s premium is likely to increase with age.
  • Your cat’s breed - Some cats may be more expensive to insure than others because of their breed. For example, pedigree cats are at a higher risk of theft than mixed breeds. Some breeds are more prone to health conditions, too.

What types of cats can I insure?

Any type of cat can be insured. However, if you have a kitten, an older cat or a pedigree cat, check your policy documents to make sure that they are covered.

There may also be some exclusions. For example, Swinton Cat Insurance requires your cat to be at least eight weeks old. Other providers may not cover certain cat breeds; check with your insurer.

Kittens

You can insure your kitten with Swinton from when they are eight weeks old. However, there are some things that are not covered within your policy. These include:

  • Neutering
  • Vaccinations
  • Worming tablets
  • Flea control
  • Microchipping

Older cats

While it’s possible to insure elderly cats, it’s common for insurers to apply an upper age limit to their policies. For example at Swinton, we don’t offer insurance for cats over 12 years old if you’re a new customer. This is because older cats are unfortunately more likely to have an accident or become unwell.

If your cat has a pre-existing medical condition, be sure to declare this. It won’t be covered by your standard Swinton policy and your insurance may be invalidated if undeclared.

Pedigree cats

We insure pedigree cats. However, they may be more expensive to insure as they are more expensive to buy, and are more at risk of hereditary disease due to breeding.

For example, Siamese cats are sadly prone to cancer, Persian cats are prone to breathing problems, and British Shorthair cats can tragically suffer from kidney failure. Insurers have to take factors like this into consideration, often resulting in higher premiums.

Please note that the restrictions on your policy may vary depending on your cat’s breed.

What doesn’t Swinton Cat Insurance cover?

  • Pre-existing medical conditions — anything your cat has, has had symptoms of, has had medication for or advice from a vet about, prior to the policy starting.
  • Everyday checkups and treatments — vaccinations, flea treatments, grooming and nail care, neutering or blood and urine tests aren’t included.
  • Dental treatments — if they could have been prevented through regular checkups
  • Any treatments not prescribed by a vet.
  • Costs associated with pregnancy or giving birth.

What is the Swinton vet line?

Our cats and kittens sadly can’t tell us when they’re not feeling well, so it can be worrying if you start to notice changes in your cat’s behaviour or they don’t seem like themselves. As a Swinton Pet customer, you’ll have access to our 24/7 vet line so you can chat to a trusted veterinary expert and ease any worries you may have.

With our team of friendly RCVS (Royal College of Veterinary Surgeons) vets, you can receive the help you need to answer your questions and concerns, day and night. Whether you need medical advice or simply have questions about the wellbeing of your pet, we can provide qualified advice when you need it most.

The Swinton vet line can assist you with:

  • Pet health triage and advice, including whether you should take your pet to your vet
  • Behavioural triage and advice
  • Nutritional advice
  • Bereavement
  • Diagnosis (where appropriate)

You can call the Swinton vet line as many times as you need to, and our lines are open 24-hours a day, 365 days a year. To get in touch, you need to:

  1. Call the Swinton vet line on 0333 332 4473.
  2. Have your policy number ready to provide — you can find this on your policy schedule.
  3. Describe your concerns or cat’s symptoms, or ask any questions about your pet’s health.
  4. A qualified veterinary nurse or vet will provide the advice you need.

In an emergency, you should always contact your vet immediately.

Get a Cat Insurance quote online

Fetch a quote

 

Join our Swinton Pet Club

Want to meet like-minded cat owners and share tips and tricks on all things feline? Why not join the Swinton Pet Club? As a follower, you’ll have access to exclusive competitions, giveaways and pet goodies, as well as helpful hints and advice to ensure your cat stays healthy and happy. 

Swinton pet club
 

FAQs about Cat Insurance

Can I insure more than one cat on one policy?

Yes, you can insure up to 5 pets under the same Pet Insurance policy, providing they are all approved breeds. Each pet will receive the same level of cover under the policy.

Is microchipping covered by Cat Insurance?

No, Cat Insurance doesn’t usually cover the cost of microchipping — but make sure you double check in your policy documents before you book an appointment, just in case. 

Sometimes, microchipping is a requirement for Cat Insurance. Without it, you could invalidate your policy. 

While we do cover non-chipped pets, Swinton Cat Insurance does not cover the cost of microchipping your cat.

What are the most common cat health problems?

Thankfully, the most common cat health problems are the not-so-serious ones. Fleas or ear infections are easily treatable. But sadly, cats do sometimes get seriously ill. Kidney disease, diarrhoea, dental or gum disease and broken bones are relatively common. 

Outdoor cats are more prone to illness as they are more likely to mix with other animals, and eat things that they shouldn’t. However, most conditions are treatable when caught early — so make sure you understand your cat’s normal behaviour!

Costs can vary from practice to practice as well as by breed, age and the size of your cat. This can affect the amount you may need to claim for any particular illness or condition. 

The information shows some of the common conditions that pet owners claim for which could develop into long-term illnesses with ongoing treatment costs.   

Source: all treatment costs paid for claims against policies underwritten by Cranbrook Underwriting Limited between Jan 2015 and Dec 2020 and adjusted for inflation.

Short term illness

Average cost

Avg. 10% Most Expensive

Gastroenteritis

£394

£826

Vomiting

£689

£2,550

Weight loss

£481

£721

Respiratory condition

£383

£1,748

Loss of appetite

£168

£291

Lethargy

£1,504

£3,711

Lump

£614

£1,042

Diarrhoea

£464

£1,499


Ongoing treatment

Average cost

Avg. 10% Most Expensive

Lameness

£335

£1,066

Skin allergy

£600

£1,393

Cruciate rupture

£844

£1,697

Cruciate disease

£1,317

£2,711

Tumour

£1,293

£1,392

Arthritis/DJD

£525

£1,402

Will my cat be insured if I take it abroad?

With Swinton Classic Pet Insurance, your cat will be covered if you take it abroad. It includes:

  • Vet fees abroad

  • Holiday delay or cancellation

  • Maximum trip length per year (varies depending on the cover you’ve chosen — check your policy)

  • Cost of emergency accommodation for up to 14 days (check your policy)

However, the policy does not cover: 

  • Accommodation and expenses for more than one person

  • The treatment of illnesses which were known of before travelling

  • Travel outside of the EU

Please note that travel cover is not included in our Essentials policy.

 

What vet fees are covered?

If your cat falls ill or is injured and needs treatment by a vet, this will be covered in your Cat Insurance policy. Your cat will also be covered for complementary treatments including physiotherapy, osteopathy, hydrotherapy and behavioural problems caused by injury or illness.

How much excess do I need to pay?

The amount of excess you need to pay for vet fees depends on your cat’s age and breed. For cats under 7 years old, this is a fixed excess of £99 or £139 depending on the breed. 

If your cat is aged 7 years or older, you will need to pay 20% of the vet fees for a claim, after the standard excess has been paid. This is sometimes called a co-payment or percentage excess.

Will my insurance cover dental care?

Yes, the insurance policy will cover dental care as a result of an accident or injury. However, it doesn’t cover dental treatment due illness or routine preventative dental care.

Will I need to pay myself or do you pay the vet directly?

In most cases, we’ll pay the vet directly. However, if you’ve already settled the invoice yourself, we’ll pay you instead.

How do I make a claim?

To make a claim on your insurance, please visit our claims page. Be sure to have your insurance documents to hand to reference your policy number and anything else you may need.

Can I get insurance which covers my cat’s pre-existing medical conditions?

Although few Cat Insurance companies cover pre-existing medical conditions within your policy, they won’t prevent your cat from being insured. Make sure that you declare this condition to make sure that the policy is not invalidated. 

With Swinton Pet Insurance, cats with pre-existing medical conditions can be covered for future accidents and injuries, but not for treatment of the pre-existing conditions themselves.

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