Cat Insurance
Give your feline friend the best care with John Lewis Money
Lifetime cover when you renew your policy with no break
£500 advertising & rewards payment if your cat goes missing
Up to £1,500 cover for cattery fees
*Based on website data between January 2026 to June 2026. Terms, policy limits, excesses and exclusions apply.
Defaqto 5 Star Rating applies to vet fee limits of £5,000, £7,500, £9,000 & £12,000Why choose a John Lewis Money policy?
John Lewis Money Cat Insurance offers six different levels of vet fee cover, to help you keep on top of your cat’s health. And if you insure more than one pet with us, you’ll receive a 5% discount.
Benefits of our cat insurance policies
Vet assistance when you need
With vetfone™, gain 24/7 access to veterinary nurses for pet health advice.
Treatment foods
25% off prescribed foods, up to a maximum of 6 months per condition, per policy year - excludes food prescriptions for obesity/weight loss.
We'll take this from your annual vet fee limit.
Cattery fees
You can claim up to £1,500 in cattery fees if you cannot look after your cat due to personal injury or illness that results in a hospital stay for more than 48 hours.
What’s included with John Lewis Money Cat Insurance?
We offer cat insurance as a lifetime policy, covering incidents and injuries from the time the policy is taken out. We cover up to £12,000 for vet fees and £1,500 for complementary and physiotherapy treatment, and you can choose a level of vet fee cover that suits you when you get a quote.
Cover detail | Lifetime |
|---|---|
Vet fees limit | Up to £12,000 |
Treatment period | Unlimited |
Complementary & physiotherapy treatment | Up to £1,500 |
Overseas veterinary treatment | Up to £12,000 |
¹Dental treatment | Up to £12,000 |
Death from accident, injury or illness | Up to £1,500 |
Cremation & burial costs | £200 |
Advertising & reward | £500 |
Theft or straying | Up to £1,500 |
Cattery fees | Up to £1,500 |
Holiday cancellation | Up to £3,000 |
Quarantine costs | Up to £2,000 |
Loss of healthcare cert | £500 |
Emergency expenses abroad | £500 |
Do you need cat insurance?
As much as you love your cat and take good care of them, you can’t stop them from injuring themselves or getting sick. A lifetime policy, like the one offered by John Lewis Money, will ensure illnesses or injuries your cat incurs are covered from the time the policy is taken out. Which means you can relax in the knowledge that they’ll receive the best care when they need it, and you can stay in control of your finances.
What we don't cover
Pre-existing conditions
We cover new injuries and illnesses, but you're not able to claim vet fees for accidents that happen in the first 3 days, or illness within the first 14 days of your policy (unless you can show that your previous policy runs up to your start date with us).
Outside the EU
Claims for any event outside of the UK, EU, Channel Islands or the Isle of Man aren’t covered.
Save money with a multi-pet discount
Lots of pets in the family? You can add multiple pets to one policy to get a 5% discount on your premium. That means your one cat insurance policy can work for several kittens.
Dog insurance
If you love dogs, we’ve got a policy for them too, including £2 million cover for third party liability.
We have a range of guides that may answer some questions you have about insurance for cats
Microchipping your cat
In 2024, it was announced that cats in the UK legally require microchipping.
Insurance for older cats
Help ensure your beloved cat’s health and happiness are well taken care of as they settle down into old age.
Strengthening bond with your cat
Forging a bond with a cat doesn’t always happen overnight and you may need to put in the bulk of the legwork.
Cat Insurance FAQs
Is cat insurance worth it?
It’s estimated that there are around 12.5 million pet cats in the UK – that’s a lot of cats. But many of their owners do not have cat insurance. This means they’ll need to pay vet bills when their cat falls ill or has an accident.
John Lewis Cat Insurance is designed to reassure you that you're financially protected if the unexpected happens.
For full details of coverage please review the policy document.
When should I insure my kitten?
Your cover can start when your kitten turns eight weeks old. Taking out cat insurance as early as possible can help you prepare for any unexpected illnesses or injuries.
Does cat insurance include my kitten’s vaccinations?
No, your kitten’s vaccinations are regarded as routine treatments, which aren’t covered under our policy.
It’s important to keep up to date with their vaccinations as they grow. They not only help to keep your cat healthy, but can also save you from future treatment costs. Illnesses that can be prevented by vaccinations are not covered if your pet is not up to date with their vaccinations.
Does cat insurance include neutering or spaying?
No, your cat’s insurance is there to help when injury or illness happens unexpectedly. Procedures like neutering or spaying are considered routine.
What are common health conditions for cats?
Cats are vulnerable to illness, just like us or any other animal. Naturally, certain breeds are predisposed to specific conditions. Old age can also bring different challenges, like thyroid and kidney issues.
Understanding these realities is why John Lewis Pet Insurance offers lifetime cover. That means the length of treatment your cat receives won't be limited, as long as your policy remains with John Lewis and there’s no break in cover.
Pet Insurance through John Lewis is subject to eligibility. Terms and conditions apply.
John Lewis Money and John Lewis Finance are trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (Registered company number: 233462).
John Lewis Plc is an introducer appointed representative of Pinnacle Insurance Ltd which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH. John Lewis Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance Ltd. John Lewis Plc and Pinnacle Insurance Ltd are not part of the same corporate group.