Reassuringly reliable cat insurance

Get your first month on us, plus a free welcome hamper for your cat. That’s a treat for you and your hairy housemate. Terms and conditions apply.

Lloyds Pet Insurance is arranged and administered by Agria Pet Insurance Ltd. It is underwritten by Agria Försäkring. When getting a quote online you’ll be taken to the Lloyds Pet Insurance website which is hosted by Agria Pet Insurance Ltd, with a new privacy and cookie policy. Lloyds Bank Insurance Services Limited receive a percentage of the total annual premium as commission for introducing and overseeing this product.

Features and benefits

As long as you stay with us, your cat will be covered for new conditions identified after your policy starts. We’ll support you up to your annual cover limit, which resets each year when you renew with us.

Optional extras expandable section

Loss from theft, straying or death

Our pets can’t be replaced, but you can add up to £1,500 cover for your pet’s purchase or donation price if they’re lost or stolen and not found within 45 days, or if they sadly die from illness or injury.

Boarding fees and holiday cancellation

Up to £1,500 to help look after your cat if you or someone in your immediate family ends up in hospital for more than three days. And up to £2,000 for holiday cancellations if your vet believes your cat needs emergency treatment in the seven days before or during a holiday.

Overseas travel cover

Cover whilst you and your pet are temporarily abroad in a PETS travel scheme country, up to your full vet fee limit per year.

Terms, limits and exclusions apply. To read more on what’s covered and what isn’t, see our policy booklet(PDF:719KB) and policy limits.

Already a pet insurance customer?

Make a claim on your policy or get in touch.

Let’s look at the details

What's not covered? expandable section
Policy exclusions

Pre-existing conditions that started before your policy.

Illness occurring in the first 10 days of your policy.

The cost of everyday pet care, like vaccinations, check-ups and grooming.

Routine dental check-ups, elective dental treatments, crowns and root canal procedures.
What is the excess? expandable section
Cat insurance excess

The fixed excess is £125. This is the amount you pay towards each condition per policy year. So if you claimed for the same condition more than once in a year, you’d only pay the fixed excess for the first claim. If treatment lasts more than a year, then there will be an excess for each year you claim for it.

There’s also a variable excess, which you choose when you set up your policy. You can choose either 0%, 10% or 20%. You might not be able to choose your own variable excess for older cats and some breeds. To keep things simple, we’ll deduct the excess from any amounts we pay you.

How your excess works based on a claim cost of £3,000:

You pay a £125 fixed excess

You also pay £287.50, 10% variable excess (chosen by you when you set up your policy)

We pay £2,587.50.

So you pay £412.50 in total and we pay the remaining £2,587.50.
Does my cat need to be microchipped? expandable section

Microchipping

All cats in the UK must be microchipped by the time they’re 20 weeks old. If they aren’t microchipped, you won’t be able to make a claim if they are ever lost or stolen.
Is dental treatment covered? expandable section

Dental treatment

We’ll cover dental illness and injuries, with some restrictions. We don’t cover routine check-ups (descaling and polishing; elective or cosmetic treatment; any treatment for crowns and root canal procedures). For more information, check the policy booklet (PDF:719KB).
Are skin conditions or treatment for diabetes covered? expandable section

Skin conditions and diabetes

We’ll cover for the cost of treating skin conditions and diabetes, as long as there were no symptoms before the policy started.
Can I claim for regular flea and worming treatments? expandable section

Flea and worming treatment

We can’t pay out for preventative parasite control, like regular flea treatments.

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