LV= Cat Insurance

Cats are often quite independent pets – but they’re part of your household and deserve the same attention, protection and consideration as other members of your family.

If your cat falls ill, has an accident, gets lost or is stolen, the consequences could be expensive − so it makes sense to consider pet insurance.

The two main types of cat insurance

Most providers of cat insurance offer two main types of cover. The names may differ but in essence, a ‘basic’ cat insurance policy will cover vets’ bills for a maximum period (usually one year), with a maximum claim per condition.

With a ‘premier’ cat insurance policy, there’s no time limit on reaching the maximum claim and this maximum may be higher than with the basic insurance.

What cat insurance can cover

Most cat medical insurance plans cover your cat’s sickness and accidents – and some providers offer wider cover, such as holiday cancellation compensation. And you may be able to claim for advertising and a reward if your cat is lost or stolen.

The levels of cover may vary and some providers allow you to top up your basic or premier cover with additional features − but you should always check the cover and maximum you can claim.

Cat insurance excess figures

The excess (the amount you have to pay if you claim) can vary between different risks insured and can vary from provider to provider.

You’ll usually have to pay an excess for each cat insurance sickness condition claim but some providers, including LV=, don’t apply an excess for most other claims.

Is your cat eligible?

Some cat insurance providers won’t insure cats above a certain age.

LV= pet insurance has no upper age limit, apart from under the death from illness cover which stops when your cat reaches 11 years of age.

Cat insurance discount?

You may be able to reduce your premium if you buy your insurance online − and you may get a discount when you insure more than one pet.

LV= cat insurance gives you:

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