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Lifetime cat insurance Lifetime cat insurance Lifetime cat insurance

Lifetime cat insurance

Ongoing cover for vet fees from accidents, illnesses and conditions

What this insurance policy covers

Lifetime policies cover long-term, chronic or recurring conditions, as well as short term illness and injury. As long as the policy is renewed each year without a break, we will continue to provide cover for conditions such as diabetes or arthritis which require treatment over a long period of time.

There are 2 types of Lifetime policies, with different levels of cover.

1

You can choose a policy that covers any vet’s bills up to a total amount of either £3,000 or £5,000 each year. Once the limit is reached, you’ll not be able to claim any more, until the policy renews and the amount becomes available again. Find out more >Find out more >Find out more >

2

Or you can choose a policy that covers each different condition (or illness), up to either £1,000, £2,000, £4,000 or £6,000 each year. Once the limit for a condition is reached you’ll not be able to claim for that condition, until the policy renews and the amount becomes available for that condition again. However, you can still make a claim for any other conditions. Find out more >Find out more >Find out more >

Download the complete guide

Full policy summaries including what's covered, what's not covered, policy limits and policy wording definitions.

Annual policy limit for all claims

We’ll pay vet’s fees up to your chosen annual cover amount in one policy year. This means that you have an annual limit and each payable claim submitted will be deducted from this total. There is no limit to the number of claims you can submit and you can submit claims until the annual limit has been reached. Once you reach your annual limit in that policy year, you’ll not be able to make any more claims until you renew your policy and the amount becomes available again.

This means that some chronic conditions, like epilepsy, can be covered year after year.

For example, if you chose an annual limit of £3,000 and your cat was to develop a skin condition and suffered damage to their paw, we would cover the cost of treatment up to £3,000 in one year (subject to any applicable excess or co-payment). When you renew your policy the annual policy limit is reset and you'll be covered up to £3,000 again, should you need it.

For example, if you chose an annual limit of £3,000 and your cat was to develop a skin condition and suffered damage to their paw, we would cover the cost of treatment up to £3,000 in one year (subject to any applicable excess or co-payment). When you renew your policy the annual policy limit is reset and you'll be covered up to £3,000 again, should you need it.

How much cover do I need?

See typical treatment costs for cats
Cover type
Annual condition
limit
Lifetime condition
limit
Annual policy
limit
Vet excess
Lifetime Assure
Annual condition limitN/A
Lifetime condition limitUnlimited
Annual policy limit£3000
Vet excess£99

Additional Benefits

Public Liability
£1.50m
Death of Pet
£600
Holiday Cancellation
£1,000
Theft & Straying
£600
Transport Costs
Personal Accident
Insurance Product Information Document
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£600
Overseas Travel Cover
£2,000
Insurance Product Information Document
Lifetime Assure Plus
Annual condition limitN/A
Lifetime condition limitUnlimited
Annual policy limit£5000
Vet excess£99

Additional Benefits

Public Liability
£2.00m
Death of Pet
£1,200
Holiday Cancellation
£2,000
Theft & Straying
£1,200
Transport Costs
Personal Accident
Insurance Product Information Document
Accidental Damage
Advertising & Reward
£600
Boarding Kennel / Cattery
£1,200
Overseas Travel Cover
£2,000
Insurance Product Information Document

Annual condition limit

You can choose a cover limit to cover each condition (or illness) your pet may suffer. We’ll pay the vet’s fees for each condition, up to your chosen cover limit. Once a specific condition has reached the limit chosen, that condition will not be covered until the policy renews and the limits become available again for each condition.

This means that some chronic conditions like arthritis, can be covered year after year and does not impact on the amount of cover you have left for any other conditions your pet may suffer from in that policy year.

For example, if you chose a condition limit of £2,000 and your cat was to develop a skin condition and suffered damage to their paw, we would cover the cost of treatment for the skin condition up to £2,000 and also the damage to their paw, up to £2,000 (subject to any applicable excess or co-payment). When you renew your policy the annual condition limit is reset and you'll be covered for up to £2,000 again for each condition should you need it.

For example, if you chose a condition limit of £2,000 and your cat was to develop a skin condition and suffered damage to their paw, we would cover the cost of treatment for the skin condition up to £2,000 and also the damage to their paw, up to £2,000 (subject to any applicable excess or co-payment). When you renew your policy the annual condition limit is reset and you'll be covered for up to £2,000 again for each condition should you need it.

How much cover do I need?

See typical treatment costs for cats
Cover type
Annual condition
limit
Lifetime condition
limit
Annual policy
limit
Vet excess
Annual condition limit£1,000
Lifetime condition limitUnlimited
Annual policy limitUnlimited
Vet excess£99

Additional Benefits

Public Liability
£1.50m
Death of Pet
£500
Holiday Cancellation
£1,000
Theft & Straying
£500
Transport Costs
Personal Accident
Insurance Product Information Document
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£500
Overseas Travel Cover
£1,500
Insurance Product Information Document
Annual condition limit£2,000
Lifetime condition limitUnlimited
Annual policy limitUnlimited
Vet excess£99

Additional Benefits

Public Liability
£1.50m
Death of Pet
£750
Holiday Cancellation
£1,000
Theft & Straying
£750
Transport Costs
Personal Accident
Insurance Product Information Document
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£750
Overseas Travel Cover
£2,000
Insurance Product Information Document
Superior Plus
Annual condition limit£4,000
Lifetime condition limitUnlimited
Annual policy limitUnlimited
Vet excess£99

Additional Benefits

Public Liability
£1.75m
Death of Pet
£1,000
Holiday Cancellation
£1,500
Theft & Straying
£1,000
Transport Costs
Personal Accident
Insurance Product Information Document
Accidental Damage
Advertising & Reward
£200
Boarding Kennel / Cattery
£1,000
Overseas Travel Cover
£2,000
Insurance Product Information Document
Annual condition limit£6,000
Lifetime condition limitUnlimited
Annual policy limitUnlimited
Vet excess£99

Additional Benefits

Public Liability
£2.00m
Death of Pet
£1,500
Holiday Cancellation
£2,500
Theft & Straying
£1,500
Transport Costs
£200
Personal Accident
£200
Insurance Product Information Document
Accidental Damage
£750
Advertising & Reward
£1,000
Boarding Kennel / Cattery
£1,500
Overseas Travel Cover
£2,000
Insurance Product Information Document

Additional benefits

Our Lifetime policies offer extra benefits for our customers. The benefit levels depend on the cover selected.
So, as well as providing lifetime cover for your cat you’ll also have peace of mind just in case of life’s other mishaps.

Additional benefits

Our Lifetime policies offer extra benefits for our customers. The benefit levels depend on the cover selected.
So, as well as providing lifetime cover for your cat you’ll also have peace of mind just in case of life’s other mishaps.

All of our policies give you free vet video consults 24/7/365 through the joii app.

Benefits Assure and
Assure Plus
Super, Superior,
Superior Plus
Prestige
Public Liability
Theft & Straying
Advertising and Reward
Boarding Kennel
Death of Pet cover
Holiday Cancellation
Transport Costs
Personal Accident
Accidental Damage
Dental cover

Assure Plus covers as a direct result of an accident or injury. No cover for Assure.

Only as a direct result of an accident or injury.

All of our policies give you free vet video consults 24/7/365 through the joii app.

Benefits Assure and
Assure Plus
Super, Superior,
Superior Plus
Prestige
Public Liability
Theft & Straying
Advertising and Reward
Boarding Kennel
Death of Pet cover
Holiday Cancellation
Transport Costs
Personal Accident
Accidental Damage
Dental cover

Assure Plus covers as a direct result of an accident or injury. No cover for Assure.

Only as a direct result of an accident or injury.

How much cover do you need?

It is vital that you choose a cover level that is appropriate for both your cat and your budget. This way, should the worst happen to your canine friend, you can ensure that you are prepared…

Find out how much vet fees may cost

We have a range of pet insurance policies to suit your needs