Why Cat Insurance Matters: Peace of Mind for You, Lifesaving Care for Them

At SimplyCats, we know how deeply you love your feline companion. They’re family—and like any family member, you want to be there for them no matter what. That’s where cat insurance comes in.

While we all hope to avoid emergencies, the reality is that unexpected vet bills can happen at any time. Having a good insurance policy means you can focus on what really matters—getting your cat the care they need—without worrying about the cost.

The Cost of Veterinary Care Is Rising

Veterinary medicine is advancing all the time. From MRI scans and specialist surgeries to ongoing treatments for chronic conditions like diabetes or kidney disease, we’re able to do more than ever before. But with that progress comes increased costs.

A single accident or illness could lead to a bill of hundreds—or even thousands—of pounds. Pet insurance ensures you’re not caught off guard.

What Does Cat Insurance Cover?

While every policy is different, many cover:

• Emergency care and surgeries

• Diagnostic tests and imaging (e.g. x-rays, ultrasounds)

• Medication for chronic or short-term illness

• Dental treatment (depending on the policy)

• Specialist referrals

• Some even cover behavioural support or complementary therapies

Routine care such as vaccinations, flea treatment, and neutering are generally excluded from cover. Cosmetic procedures are also not included.

Third Party Liability

Some policies also include third party liability, which protects you if your cat

causes damage or injury—for example, by causing a road accident. Not all insurers offer this, so always double-check before choosing.

Don’t Overlook Dental Cover

One of the biggest pitfalls of pet insurance is that many policies exclude dental conditions in cats. This is a serious concern, as dental disease is far more common in cats than dogs.

In severe cases, a cat may need a full dental extraction, which involves multiple X-rays and can take several hours. While the procedure can transform a cat’s quality of life, it is expensive. When shopping for cat insurance, always check that dental treatment is included.

Is Insurance Worth It for Indoor Cats?

Absolutely! Even indoor cats can have accidents or develop health issues. From swallowed string to heart disease, no cat is truly risk-free. Insurance gives you peace of mind that you can always choose the best treatment—whether it’s surgery, ongoing medication, or advanced diagnostics.

When Should You Take Out Cat Insurance?

The best time to buy a policy is when your cat is young and healthy, before any pre-existing conditions develop.

Like human health insurance, once a condition has been diagnosed, it is usually excluded from future claims.

Always read the terms and conditions carefully. Pay attention to:

• Cover limits (per condition or per year)

• Excess payments (the amount you pay before insurance contributes)

• Exclusions (such as pre-existing or chronic conditions)

  
  

Why Pet Insurance Is Worth It

Statistics show that 1 in 3 pets requires unexpected veterinary treatment each year. In fact, pet insurance claims are more common than household or car insurance claims. If you never need to use it, you’re fortunate—but for most cat owners, it’s a vital safety net.

Final Thoughts: Choosing the Best Cat Insurance

Not all cat insurance policies are equal. Some are cheap but limited, while others—particularly lifetime cover policies—offer more comprehensive protection.

With veterinary medicine advancing rapidly, treatments are better than ever but also more expensive. By investing in the right insurance, you’ll have peace of mind knowing that your cat can always get the care they deserve.

At SimplyCats, we recommend lifetime cover cat insurance to protect against unexpected vet bills and safeguard your cat’s health for years to come.