Lifetime Cat Insurance

This is the amount that you must pay towards each claim that you make. The excess is specified in your schedule of insurance and in addition to a fixed excess a percentage excess may also apply. When your pet’s treatment falls into two or more periods of insurance, you must pay the fixed excess for each period of insurance and also for each separate illness or injury. The excess will be deducted from the claim settlement. For full information on the excesses please refer to the Policy Terms and Conditions booklet.

Cats are considered to be ‘free spirits’ and are not considered to be legally owned. By nature, they roam and are therefore not under the owner’s control. The owner cannot be held legally liable for any damage caused.

Our policies cover veterinary fees for both indoor and outdoor cats. If you have a Home Cat policy you will not be covered for injury or death as a result of an incident that occurs outside the confines of your home or secured garden. You can add an optional benefit to your policy if your cat sadly dies or is lost through theft or straying. 

We will pay up to a maximum amount for the cost of behavioural treatment for each separate illness or injury provided this has been carried out by a behaviourist acting under the direction of your vet. The behaviourist must be a certified clinical animal behaviourist or a member of one of the following organisations – the Association of Pet Behaviour Counsellors or the Canine and Feline Behaviour Association. This limit is included within the overall maximum veterinary benefit, which you have selected.

These are clinically proven and formulated diets made by a pet food company for a vet to prescribe to help with a specific illness or injury. We recognise that such diets can play an important part in your pet’s treatment and we can contribute 50% of the cost of a clinical diet up to a maximum amount for each illness or injury as detailed in your Schedule of Insurance. This limit is included within the overall maximum veterinary benefit, which you have selected. However a clinical diet used to help your pet lose weight is not covered.

The policy includes cover for dental illness and injury but there are some restrictions to the cover provided and we will not pay for routine check-ups including descaling and polishing; elective or cosmetic treatment; or any treatment for crowns and root canal procedures, though there are some exceptions to this. For further information please refer to the Policy Terms and Conditions booklet or if you are unsure whether your pet’s treatment will be covered please call our claims helpline and talk to one of our pet insurance specialists.

The cost of cat insurance can vary based on the cat's age, breed, location, and the type of policy you choose. Lifetime pet insurance is often considered the best option for cat owners as it provides cover for ongoing and chronic conditions throughout your cat's life. Although the cost may be slightly higher, the peace of mind of knowing your cat is covered for life can outweigh the increased cost. The average price Agria customers paid was £26.49 per month. This is based on all new Agria Cat Insurance policies sold in Q1 of 2024 at all Lifetime cover levels. This includes third party liability, tax and any discounts made.