Cat Insurance

Provided by Pinnacle Insurance plc

Insure your cat with one of our pet insurance policies, they could help you if your cat unexpectedly needs treatment. Whether you’re searching for cat insurance for your kitten or adult cat, explore our policies to help you find the best cover to suit you and your feline friend. With Argos Pet Insurance, you will receive 24/7 veterinary nurse advice to help you if have any health or behaviour concerns about your cat.

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Collage image that includes a grey cat laying on a green sofa, a brown long-haired cat relaxing and a young brown and white kitten along with the quote 'make your cat grin like a Cheshire cat'

 

Why choose Argos Cat Insurance?

  • Cover for kittens from 8 weeks old
  • We can pay the vet directly so you don’t have to fork out
  • Time Limited, Maximum Benefit and Lifetime policies are available with a range of vet fee limits from £1,000 to £7,000
  • 24/7 medical advice with Argos Vet Assistance

What does our Cat Insurance include?

At Argos Pet Insurance, we know that your cat can develop a health condition or get ill at any time. That’s why we provide cat insurance policies that could cover your vet bills for various treatments, along with other benefits too. Our cat insurance policies could cover:

  • Veterinary fees including dental cover, complementary treatment, physiotherapy, behavioural illnesses and overseas veterinary treatment
  • Advertisement and reward if your cat or kitten goes missing
  • Theft or straying
  • Emergency boarding cattery fees if you are hospitalised for more than 48 hours
  • Complementary veterinary helpline, live chat and video
  • Other travel cover, such as holiday cancellation, quarantine costs, loss of healthcare certificate, or emergency expenses abroad if your sick or goes missing whilst abroad.

If your cat was to sadly pass away from an accident or injury, we can also cover some of the costs, including cremation if you choose.

Please note that we won’t cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

Lifetime Policy

Whether you have adopted a kitten, or you have a life-long feline friend in the family, you may be thinking about insurance. You could benefit from an annually renewed vet fee limit for new conditions.

This policy could cover your cat for veterinary fees, such as non routine dental work and physiotherapy, overseas veterinary treatment, and even payment for advertisement and rewards if your cat goes missing.

Time Limited Policy

Just like us, your cat could get into all sorts of mishaps at any time. If your cat was to develop an illness that they have never had before, this could mean that you will need to pay for treatment to get them back to feeling themselves. With a Time Limited policy, new conditions are covered for a 12-month period, or until the vet fee limit has been spent, whichever comes first.

Our Time Limited policy can cover new conditions, as well as helping you if your cat is stolen or goes missing. You can also benefit from holiday travel cover.

Maximum Benefit Policy

Maximum Benefit Insurance covers accidents, illnesses and new medical conditions up to a pre-agreed financial limit. You can claim multiple times on the same condition until the limit is reached, from that point onward, the condition will no longer be covered under the policy.

The Maximum Benefit option could cover your cat if it requires ongoing medication during the term of the policy, as the recurring cost will be covered up to the pre-agreed financial limit (provided the condition is new and not pre-existing).

 

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What does our Cat Insurance cover?

Time Limited
Lifetime
Maximum Benefit

Cover for 12 months or up to max amount…
Policy Documents

Benefits
£2.5k £4k
Veterinary Fees
Up to £2.5k
per condition
for 12 months
Up to £4k
per condition
for 12 months
Argos Vet Assistance
Argos Pet Portal
Death from illness
Up to £250 Up to £750
Death from Accident
Up to £250 Up to £750
Finding your Cat
Up to £250 Up to £750
Loss by theft or straying
Up to £250 Up to £750
Cremation & burial costs
Up to £200 Up to £200
Hospitalisation / Cattery fees
Up to £150 Up to £500
Holiday cancellation
Up to £250 Up to £1.5k
Emergency Expenses Abroad
Up to £150 Up to £500
Excesses Payable
£99 per condition £99 per condition

Covers up to max amount each year…
Policy Documents

Benefits
£1k £3.5k £7k
Veterinary Fees
Up to £1k
per year
Up to £3.5k
per year
Up to £7k
per year
Argos Vet Assistance
Argos Pet Portal
Death from illness
Up to £750 Up to £750 Up to £1.5k
Death from Accident
Up to £750 Up to £750 Up to £1.5k
Finding your Cat
Up to £750 Up to £750 Up to £1.5k
Loss by theft or straying
Up to £750 Up to £750 Up to £1.5k
Cremation & burial costs
Up to £200 Up to £200 Up to £200
Hospitalisation / Cattery fees
Up to £500 Up to £500 Up to £1k
Holiday cancellation
Up to £750 Up to £750 Up to £3k
Emergency Expenses Abroad
Up to £500 Up to £500 Up to £1k
Excesses Payable
£99 per condition
per year
£99 per condition
per year
£99 per condition
per year

Covers up to a max amount per condition…
Policy Documents

Benefits
£2k £5k
Veterinary Fees
Up to £2k
per conditions
Up to £5k
per condition
Argos Vet Assistance
Argos Pet Portal
Death from illness
Up to £750 Up to £750
Death from Accident
Up to £750 Up to £750
Finding your Dog
Up to £750 Up to £750
Loss by theft or straying
Up to £750 Up to £750
Cremation & burial costs
Up to £200 Up to £200
Hospitalisation / Cattery fees
Up to £500 Up to £500
Holiday cancellation
Up to £750 Up to £750
Emergency Expenses Abroad
Up to £500 Up to £500
Excesses Payable
£99 per condition £99 per condition

Time Limited

Cover for 12 months or up to max amount…
Policy Documents

Lifetime

Covers up to max amount each year…
Policy Documents

Maximum Benefit

Covers up to a max amount per condition…
Policy Documents

Benefits Benefits Benefits
£2.5k £4k £1k £3.5k £7k £2k £5k
Veterinary Fees Veterinary Fees Veterinary Fees
Up to £2.5k
per condition
for 12 months
Up to £4k
per condition
for 12 months
Up to £1k
per year
Up to £3.5k
per year
Up to £7k
per year
Up to £2k
per condition
Up to £5k
per condition
Argos Vet Assistance Argos Vet Assistance Argos Vet Assistance
Argos Pet Portal Argos Pet Portal Argos Pet Portal
Death from illness Death from illness Death from illness
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Death from Accident Death from Accident Death from Accident
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Finding your Cat Finding your Cat Finding your Cat
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1k Up to £750 Up to £750
Loss by theft or straying Loss by theft or straying Loss by theft or straying
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Cremation & burial costs Cremation & burial costs Cremation & burial costs
Up to £200 Up to £200 Up to £200 Up to £200 Up to £200 Up to £200 Up to £200
Hospitalisation / Cattery fees Hospitalisation / Cattery fees Hospitalisation / Cattery fees
Up to £150 Up to £500 Up to £500 Up to £500 Up to £1k Up to £500 Up to £500
Holiday cancellation Holiday cancellation Holiday cancellation
Up to £250 Up to £1.5k Up to £750 Up to £750 Up to £3k Up to £750 Up to £750
Emergency Expenses Abroad Emergency Expenses Abroad Emergency Expenses Abroad
Up to £150 Up to £500 Up to £500 Up to £500 Up to £1k Up to £500 Up to £500
Excesses Payable Excesses Payable Excesses Payable
£99 per condition £99 per condition £99 per condition
per year
£99 per condition
per year
£99 per condition
per year
£99 per condition £99 per condition

Other Excesses
When your cat reaches 10 years old your excess will change from £99 to the greater of £99 or 20% contribution toward each vet claim made. Please note these values are subject to change.

Please note that we won’t cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

What’s covered and what’s not

Under 8 weeks old…

You can start your Argos Pet Insurance policy from when your kitty is 8 weeks old, right up to their 10th birthday.

Once you’re signed up you can carry on with the insurance for the rest of your cat’s life.

While covered, you must take proper and reasonable care of your pet – and of course, keep on top of those recommended check-ups and vaccinations.

Pre-existing conditions

These refer to any condition or symptom, or anything related to it, that you were aware of or has been noted and/or investigated by a vet before the policy start date. If you do have medical history tell us and we’ll be honest with you on what we can and can’t cover your pet for.

Once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition. This means you could be stuck with an insurer to ensure that your pet’s pre-existing condition remains covered. So, it is important that you take the time to select your pet insurance company based not just on cost, but on other factors.

Illness that could be prevented

Whilst we will insure your cat without having had vaccines, if it catches an illness it could have been vaccinated against, we won’t cover your vet costs.

Dental cover

Your pet is not covered for routine dental work such as cleaning. However, your pet will be covered for dental treatment if caused by an illness, accidents and injuries, providing there is evidence of having had dental check-ups as recommended by your vet and any advice received is followed up within 6 months.

Pets we can’t insure

We won’t insure any pet that is used for commercial breeding or monetary gain.

Treatment outside the EU

We won’t pay out claims for any incident outside the territorial limits of the United Kingdom, Northern Ireland, Isle of Man, Channel Islands, Eire and the Member Countries of the Pet Travel Scheme (non-EU listed countries as defined by DEFRA are excluded).

Putting to sleep by government order

We will only cover putting your cat to sleep if it’s for humane reasons or to stop incurable suffering. We will not pay for this if it is by order from any government, local authority or anyone with jurisdiction in the matter.

Death from illness

If your cat is aged 10 or older, we wouldn’t pay out on a claim for death from illness.

Please note, this is not the full list of exclusions. Download our policy document for the full list.

A dark grey cat and a light grey and cream cat lay relaxing together

Have more than one cat in the family?

If you’re lucky enough to own multiple cats, then you may be wondering if you can insure all of them. At Argos Pet Insurance, we know that when your cats are not in full health, it can make the whole family feel down in the dumps too. With our multi-pet discount, you could insure all of your feline friends and receive a minimum of £24 discount, made up of £1 per month per cat insurance policy. If you own a dog and would like to insure them too, you still qualify for the discount. T&Cs apply.

 

24/7 access to Argos Vet Assistance

When you cover your cat with Argos Pet Insurance, you receive 24/7 access to Argos Vet Assistance. Our veterinary nurses are available online or over the phone to help you with healthcare concerns or other queries anytime of day or night.

We know what it is like to worry about your cat’s health, so you can call our qualified veterinary nurses if you want to know if that vomiting is serious or if your kitten seems under the weather. You can also check out our Argos Pet Portal.

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A brown long-haired cat with a bushy tail and white paws sits calmy looking into the distance

Top tips to get the best from us

Remember those jabs

Whilst we will insure your cat without having had vaccines, we won’t cover your vet costs for any treatment for an illness that is preventable by vaccination and you failed to vaccinate as recommended by your vet.

Keep your receipts

If you bought or made a donation for your cat, keep your receipt in case you need to claim back for the amount you paid. If you don’t have your receipt we may repay the current market value for the breed of your cat.

Think of us when you’re abroad!

If your pet needs veterinary treatment whilst temporarily abroad you must pay the vet whilst you’re there. When you return home, call us immediately and report the claim.

Admin fees

There may be some administration fees included in your vet’s bill, say for filling in a claim form, but we cannot reimburse you for these.

To view full terms and conditions of our cover please ensure to read our policy documents

A close-up shot of a veterinary professional using scanning equipment during a pets check up

Want to learn more about your cat’s behaviour and health?

The We Talk Pet blog covers everything you need to know about the health and behaviour of your feline friend. At Argos Pet Insurance, we believe in giving your cat the best life through proper care. Whether you’re thinking about adopting a cat or already have a feline in the family, you need to understand what you need to do to keep them happy and healthy. So, learn more about your cat’s behaviour, find out which breed is best for you or even learn how to keep your cat happy in the home, all from our expert advice at We Talk Pet.

Learn more about cats at our We Talk Cat Blog

 

We won’t leave you out of pocket

If your cat needs a trip to the vet, there are different ways you can pay the bills. With our cat insurance, you can pay the vet yourself and then make a claim afterwards so that we can send the money to you. Or, if the vet is happy for us to do so, we can pay them directly so that you’re not out of pocket at any point.

An excess may apply so please check your policy documents for full details.

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Information on how we collect and use your personal data is available to read in our Privacy Policy.

Insurance Policy Document
summary

For more information about our cat insurance policies and terms of cover, please download our policy document below.

Download now

Is Cat Insurance worth it?

There are many reasons why we think that insuring your cat is important. But you may be wondering if you really need cat insurance. Your cat could get themselves into a spot of bother at any time, meaning that you may have to pay unexpected vet bills that could cost a lot of money, especially without insurance cover. At Argos Pet Insurance, we want to help you to focus on your cat’s health rather than worrying about paying the vet for their treatment. There are plenty of benefits of insuring your cat, discover more by clicking below.

Find out more

 

Our top We Talk Cat posts

Get top tips and fun bits about looking after your cat from our veterinary experts.

Read our top 3 cat posts below to find out how to spot behaviour signals and support your cat’s health.

Cat looking up

How do I take care of my cat’s fur? Your cat’s fur can tell you a lot about their health. Want to know more about your cat's fur and how to look after it? Read more now.

Read more

Cat laying down

How to cure your cat’s boredom in the home Worried that your cat is getting bored? Why not explore our ideas for helping to cure your cat's boredom in our We Talk Pet blog. Read now.

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Sad cat

Does my cat have seasonal depression? Are you concerned about your cat's mood, or worried they may have depression? Here's everything you need to know about depression in cats.

Read more

Terms and Conditions

Multi-pet discount is a minimum of £24 when insuring more than one pet as this is worked out at £1 per pet per month for each pet. Pets can have different cover levels. Discount deducted separately from any other offer.

Argos Limited is an Appointed Representative of Home Retail Group Insurance Services Limited (HIS). HIS is authorised and regulated by the Financial Conduct Authority (register number 314050). Registered office: 489-499 Avebury Boulevard, Milton Keynes, MK9 2NW (registered in England and Wales, no 04109436).  HIS act as an introducer to Pinnacle Insurance plc, who sell, administer and underwrite the policy and who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX (registered in England and Wales, no 01007798) . HIS and Pinnacle Insurance plc are not part of the same corporate group.