PURRFECT COVER FOR YOUR FELINE FRIEND

Pawtastic benefits and a choice of plans to suit all our feline friends

PURRFECT COVER FOR YOUR FELINE FRIEND
Quick quote process

Quick quote process

Get a quick quote for your cat and see how much you can SAVE! Low cost comprehensive cover, enjoy peace of mind now for your feline family member

Comprehensive feline cover

Comprehensive feline cover

Choose a cat plan that suits you and your budget. If you need more information about the different types of pet insurance cover available please take a look at our compare section.

Puurfect cover

Puurfect cover

A choice of veterinary fees cover from £1,000 up to £10,000, plus a wide range of other benefits included.
SAVE with a multi pet discount

SAVE with a multi pet discount

Insure more than one cat with us and save even more with our multi pet discount. It's our way of saying thank you.

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Getting a quote is simple from Top Cat Cover!

Before you start your Top Cat quote, you’ll need to have a few bits of information available at your paw tips. It's a pretty straight forward and quick process and you’ll be guided through each step with helpful hints, explaining the process and main points along the way. If you need further help, please get in touch with us.

About your cat

About your cat

We need to know a little bit about your cat. Your pets age, including month and year of birth, it's breed, pedigree or crossbreed.

Some information about you

Some information about you

It's all about your furry pal really, however we do need to know where you and your cat live and how long you've been pawsome buddies.

Your cats health

Your cats health

We'll need to know if your kitty has any pre-existing conditions, or any past surgeries, including chronic issues.

Pick a cover level

Pick a cover level

Top Cat Cover make it pretty simple, we provide a set package of benefits, all you need to do is choose the level of vet's fees cover you require and the excess amount you're happy with.

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Top Cat Cover: A Summary of what we can and can't cover

What’s not covered

What’s not covered

  • Any pre-existing or chronic conditions (unless disclosed to and agreed by us)
  • The policy excess amount you select
  • Veterinary fees beyond the amount you’ve selected and as detailed on your policy schedule
  • Any illness claim occurring within the first 14 days of cover (unless you have disclosed to us that your pet has a pre-existing condition and we’ve agreed the same)

What’s covered

  • Lifetime cover for your cat subject to cover remaining in force
  • Cover my be available for certain pre-existing conditions*
  • Veterinary fees cover for illness and accidents up to the amount selected by you when taking out the policy
  • Cover for death from illness or accident*
  • A range of benefits including, theft or straying, cattery fees, advertising and reward, holiday cancellation and European travel
  • All types of cats from 8 weeks of age up to the age of 10years if it's a new policy and beyond 10 years and upwards when you keep renewing
What’s covered

*Cover is offered subject to our acceptance and as outlined in our policy documentation, which is available to view before purchasing a policy.

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What's covered

What are the benefits of Lifetime pet insurance cover over other types of cover?

The main benefit of a cat insurance policy providing lifetime cover is that it can provide coverage for ongoing or recurring health issues year after year. This offers financial relief for treatments, medication, and veterinary visits, giving you peace of mind that you won’t face large bills for known conditions. 

You can have peace of mind knowing that cover will continue without exclusions being placed on your policy. It turns a potential financial burden into manageable costs, allowing you to focus on your pet’s care rather than just the expense.

Peace of mind so you can enjoy life with your feline friend

Financial support for issues arising  with continued  cover for ongoing treatment, therapies, prescription food, and medication.

Reassurance that if your pet becomes ill and then suffers from a chronic condition, you have financial help for ongoing care

Continued care should things get worse

Coverage for worsening conditions, including cover for new treatments or medication for pre-existing conditions should they get worse or change

Ongoing support for chronic conditions. With lifetime cover from Top Cat Cover, you can claim year after year, the limit resets annually (as long as the policy is renewed without a break)

Predictable costs so you can budget effectively

Cost management to help manage potential, high-long-term costs. Helps reduce expenses associated with chronic illnesses over your pet’s lifetime

Comprehensive benefits to suit all budgets

Choose the level of vets fee cover to suit your needs and budget, from £1,000 up to £10,000. Select the amount you pay towards any claims. Policies include cover for dental treatment, theft & straying, and death from illness or accident.

Get started with our simple online medical screening

Read Our FAQs

Compare The Different Types Of Pet Insurance Products Available

Pet Insurance is becoming more popular as the cost of treatment for your furry pal becomes more expensive should you need to visit the vet. It can also be very confusing if you haven't had pet insurance before and are buying for the very first time. There are different types of pet insurance cover available, and a vast array of different plans and cover levels provided by most insurers. We like to think we offer a simple insurance offering and have put together the following guide to help you understand the different types of pet cat insurance available.

Feature
Accident Only
Time Limited
Maximum Benefit
Lifetime Coverage
What it Covers
Accidents only (cuts, injuries, broken bones) Accidents + illnesses (limited period) Accidents + illnesses (per condition limit) Accidents + illnesses incl. chronic conditions
How Long It Pays
Per accident until limit reached Usually 12 months per condition Until financial limit reached (no time cap) Renews every year (lifetime)
Coverage Limit
Fixed amount per accident Fixed amount per condition per year Fixed pot per condition Annual limit resets every year
Illness Coverage
No
Yes (time-limited)
Yes (until limit)
Fully covered
Chronic Conditions
Not covered
12 months only
Until limit
Fully covered
Claims Reset
Annual reset
No
No
Yes yearly
Typical Cost
£ Cheapest ££ Low–Mid £££ Mid–High ££££ Highest
Best For
Basic low-cost injury protection Short-term or budget needs Long-term manageable issues Full lifetime protection
Common Exclusions
Illness, routine care, pre-existing Pre-existing + illness after 12 months After limit reached Pre-existing + waiting period
Risk Level
High
High
Medium
Low

Quick Summary

  • Accident Only → Cheapest, no illness cover
  • Time Limited → Covers illness but only 12 months
  • Maximum Benefit → No time limit but capped per condition
  • Lifetime → Most complete, covers long-term conditions yearly
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You should conduct your own research before deciding to purchase any policy; this could be an important long-term financial decision.

How are Top Cat Cover quotes calculated?

STEP 1

About Your Cat

About Your Cat

Basic details help us understand your cat

  • Age & date of birth
  • Breed (pedigree or crossbreed)
  • Purchase price (if applicable)

STEP 2

About You

About You

Your information keeps things accurate

  • Your name & address
  • Ownership details
  • How long you’ve had your cat

STEP 3

Your Cats Current Health

Your Cats Current Health

We check your cats current health

  • Any existing conditions
  • Past injuries or surgery
  • Recent medical treatment

STEP 4

Choose Your Cover

Choose Your Cover

Pick your cover option

  • Select your vet fee limit
  • Cover from £1,000 – £10,000
  • Flexible options to match your budget

Top Cat Cover - Puurfect!

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Explore our helpful tips and advice for your cat

Get the latest Top cat Cover health advice and well being guidance for your cat, a wealth of information on caring for and sharing your life with your cat.

Cat Health Checks

Cat Health Checks

A cat’s appearance can often provide valuable clues about its overall health and wellbeing. When choosing a new pet, it is important to look for signs that indicate good health. However, it is equally important to remember that a cat with minor health concerns can still become a wonderful companion once it receives the appropriate veterinary care and treatment.

After bringing your new cat home, make a habit of monitoring its health and behaviour closely. Pay attention to any changes in appetite, energy levels, grooming habits, or general condition, as these can sometimes signal an underlying problem.

Cats are naturally skilled at hiding pain and discomfort, making it difficult to recognise when they are unwell. Because they cannot tell us when something is wrong, owners must be alert to subtle signs that may indicate illness or injury.

If you suspect your cat may be experiencing a health problem, contact your veterinarian without delay. Early diagnosis and treatment can often resolve medical issues more effectively and may prevent unnecessary suffering. Prompt veterinary care can also help avoid more serious complications and potentially higher treatment costs in the future.

Cracking the Cat Code

Cracking the Cat Code

A cat’s activity level can vary greatly depending on its age, personality, and breed. Some cats are naturally calm and relaxed, spending much of their day resting and observing their surroundings. Others are more energetic, playful, and responsive to activity around them. Both temperaments can be perfectly normal in healthy cats.

Kittens, however, are typically very active and inquisitive. They spend much of their time exploring, playing, and interacting with their environment as they develop physically and mentally. A kitten that appears unusually quiet, withdrawn, or reluctant to move may be showing signs of illness or discomfort and should be monitored closely.

As you spend time with your cat, you will become familiar with its normal behaviour patterns and personality. This knowledge is invaluable, as sudden or significant changes in behaviour can often be an early indication that something is wrong. Changes in activity levels, appetite, grooming habits, sociability, or sleeping patterns may all warrant closer attention.

By observing your cat regularly and recognising what is normal for them, you will be better equipped to identify potential health or behavioural concerns and seek advice from your veterinarian when necessary.

Playing With Your Cat

Playing With Your Cat

Cats are naturally energetic, curious animals that enjoy exploring their surroundings and engaging in play. Providing a variety of toys and activities is an excellent way to keep your cat mentally stimulated and physically active. Pet stores, supermarkets, and online retailers offer a wide range of cat toys, but it is important to choose toys that are safe, durable, and appropriate for your cat's age and size.

Play is closely linked to a cat's natural hunting instincts. Even domesticated cats retain the behaviours of their wild ancestors, enjoying activities that involve chasing, pouncing, and capturing moving objects. Their strong sense of curiosity often leads them to investigate boxes, bags, and other everyday items, turning simple objects into sources of entertainment.

Regular play is essential for a cat's overall health and development. It helps build and maintain muscle strength, improves coordination and agility, encourages mental stimulation, and can help prevent boredom and obesity. Active play also allows cats to express their natural behaviours in a safe and positive way.

When selecting toys, remember that simple options are often the most effective. Balls, toy mice, feather wands, and interactive puzzles can provide hours of enjoyment. Some toys contain catnip, a herb that many cats find highly appealing and stimulating, often encouraging playful or energetic behaviour.

Setting aside time each day to play with your cat can strengthen the bond between you and your pet. Interactive play not only provides valuable exercise but also creates opportunities for companionship and trust. Many owners find that these daily play sessions are enjoyable and rewarding, as they watch their cat’s personality, intelligence, and playful nature shine through.

Curious Cats, Smart Solutions

Curious Cats, Smart Solutions

Cats are generally much more independent than dogs, which is one of the many reasons why, people enjoy having them as pets. Whilst cats naturally like to do their own thing, they can still be trained to avoid certain behaviours, such as scratching furniture, jumping on kitchen counters, or chewing houseplants.

If your cat is displaying these common behavioural habits, you can discourage them by using a spray bottle filled with water. Try not to let your cat see that you’re responsible, as you want them to associate the unpleasant experience with the behaviour itself rather than with you.

Another option is to create a harmless distraction by making a sudden noise nearby, such as dropping a bunch of keys close to the cat. Again, ensure your cat does not see you. If your cat enjoys nibbling on houseplants, spraying the leaves with diluted lemon juice may help make them less appealing. For persistent behavioural issues, consult your veterinarian or a qualified animal behaviourist.

Once your cat has received all the necessary vaccinations, you may decide to allow them outdoors. However, it is important to remember that cats are natural explorers and can travel surprisingly long distances in a short amount of time.

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