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When you take out a Post Office pet insurance policy. Enter promo code PETBOX. Full terms and conditions apply.

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Top-rated cover

5 Star rated by Defaqto

Our Lifetime £7k Cat Insurance has been rated 5 Stars by the experts at Defaqto.

5 Star rated by Moneyfacts

Our Lifetime £7k Cat Insurance has been awarded 5 Stars by Moneyfacts. They have over 35 years of impartial expertise in assessing the features and benefits of pet insurance policies.

Why choose Post Office?

  • We pay 99% of claims^

  • Multi-pet discount for each pet you insure^^ 

  • Vet fees cover up to £7,000 per policy year

  • Flexible cover options: Lifetime, Max Benefit and Time Limited 

  • Unlimited 24/7 access to our Petcall line

  • Manage your policy online via ‘My Account: Pet’

  • Local advertising and reward

What’s covered?

Maximum limits of cover for Post Office Cat Insurance

Lifetime

Cover

Levels of cover

Yearly veterinary fee limit

up to £7,000

Complementary treatment

up to £1,500

Physiotherapy

up to £1,500

Death from accident*

up to £2,000

Death from illness*

up to £2,000

Cremation and burial costs

up to £200

Finding your pet

up to £2,000

Theft or straying*

up to £2,000

Boarding fees due to customer hospitalisation**

up to £2,000

Holiday cancellation***

up to £3,000

Overseas travel

90 days

Quarantine costs

up to £1,000

Loss of pet travel documents

£250

Emergency expenses abroad

up to £1,000

Yearly veterinary fee limit

Yearly veterinary fee limit

up to £7,000

Complementary treatment

Complementary treatment

up to £1,500

Physiotherapy

Physiotherapy

up to £1,500

Death from accident*

Death from accident*

up to £2,000

Death from illness*

Death from illness*

up to £2,000

Cremation and burial costs

Cremation and burial costs

up to £200

Finding your pet

Finding your pet

up to £2,000

Theft or straying*

Theft or straying*

up to £2,000

Boarding fees due to customer hospitalisation**

Boarding fees due to customer hospitalisation**

up to £2,000

Holiday cancellation***

Holiday cancellation***

up to £3,000

Overseas travel

Overseas travel

90 days

Quarantine costs

Quarantine costs

up to £1,000

Loss of pet travel documents

Loss of pet travel documents

£250

Emergency expenses abroad

Emergency expenses abroad

up to £1,000

*Market value if a receipt cannot be provided at the time of loss.

**If you or a member of your family is taken ill or injured and have to spend more than 48 hours in hospital, and your pet stays in a licensed cattery while you are hospitalised.

*** Cancellation within 7 days of the holiday commencing.

Terms, conditions and exclusions apply. Please see the policy documents for further details.

Compare all lifetime cover levels

Ready to get a quote?

Let’s find the right cat cover for you. Get a quote for Post Office Cat Insurance or retrieve a quote you’ve started

Common cat insurance questions

  • You can start your Post Office Cat Insurance policy when your cat is 8 weeks old, right up to their 10th birthday.

    Once insured, you may continue your cat's cover for life if you keep paying your premiums.

  • Contact the rescue centre, as most reputable centres will vaccinate their cats and should be able to tell you for certain. If they haven’t vaccinated your cat or don’t know its vaccination status, we recommend taking it to the vet. They’ll be able to tell you what course of action is recommended.

  • Yes. The excess you pay will depend on factors like your cat's age and the condition being treated. If you have a Lifetime policy, your excess will be fixed for each yearly period and reviewed annually. Your fixed excess could change if your circumstances change during a fixed period (e.g., moving to a new area).

    Up to the time your cat is 10 years old, your excess will be a defined amount that we'll tell you following each annual review. After this time, it'll change to a newly defined amount or a percentage of your contribution – whichever is greater.We’ll always write to you to let you know a year in advance of any change.

  • Your cat is covered against accidental injury after the first 3 days of the policy. Illness, including poisoning, is covered after the first 14 days of the policy.

  • These policies offer cover per condition with a time limit on claims. A particular condition will become excluded under the policy either when the maximum amount has been paid out or 12 months from first date of treatment, whichever is sooner. 

  • These policies impose a maximum benefit per condition. For example, once the maximum benefit is reached for an ongoing illness such as diabetes or dermatitis, that condition will be excluded from further claims, and you’ll need to be prepared to fund ongoing treatment yourself.

  • It's the most comprehensive form of Cat Insurance and covers vet fees up to a maximum amount, which is reinstated each year. If your cat develops a long-term chronic illness such as diabetes or an ongoing skin condition, provided it didn't pre-date the policy, it'll be covered for the rest of your cat's life.

  • Cat insurance policies vary. A Post Office Cat Insurance policy will typically cover:

    • vet fees
    • death from an accident or illness
    • holiday cancellation in the event your cat is unwell
    • advertising fees and reward money if your cat goes missing, is stolen or strays
    • boarding fees if you have to stay in hospital
    • overseas travel
    • access to a veterinary helpline

    You’ll find more information on the levels of cover for each of the above and exclusions in the policy document.

  • When you make a claim, it goes through 5 steps before it's completed. Our summary below outlines our online vet fees claims process:

    1. Claim submitted: Once your cat has received treatment, you can submit your claim. All you need to do is answer a few questions, give us your vet's details, and tell us who we need to pay.
    2. Awaiting vet completion: We'll contact your vet to confirm the treatment and costs. On average, vets come back to us in 8 days, depending on your vet. If they haven't responded, we'll chase your vet on days 5, 10, and 15.
    3. Claim received: Your vet will have supplied us with the information we need to move forward.
    4. Pending approval: Our assessors will review the claim and come to a decision. On average, it takes 5 days to assess a claim, but sometimes this can take longer if we need more information.
    5. Claim completed: Once your claim is fully assessed, we'll let you know the outcome.

    If you submit a paper claim form, the process is different and can take longer. Once you've downloaded and filled in your part, you'll need to pass it to your vet to complete. After completing their section, they'll post it to us for review.

    If you submit your vet fees claim form online, you can track it with the My Account Pet claims tracker. For paper claim forms, you can only see their progress in the claims tracker once we've received it and uploaded the information to our system. If you're signed up for SMS notifications, we'll send you text messages with claim updates.

    For customers who prefer paper-based communication, we'll keep you updated via letter.

    Make a claim online

  • No, we're unable to cover pre-existing conditions that are known before you take out your policy.

    When you get a quote, we’ll ask if your cat has seen a vet for any reason other than their annual health check, routine vaccinations or other preventative care. We’ll request a few details about their condition from you and your vet and explain what we’ll cover and any exclusions that might apply on the policy.

Need some help?

To get a quote by phone

Call us on: 0800 035 5157*

Monday to Friday 8.30am - 6pm

Pet Insurance help and support

To make a claim, register, manage or renew your policy, find answers to common questions or contact us:

Visit our Pet Insurance support page

*Call charges

0800: All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Calls may be monitored or recorded for training and compliance purposes.

Post Office® Pet Insurance is arranged, administered and underwritten by Pinnacle Insurance plc.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

Pinnacle Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, FRN 110866. Pinnacle Insurance plc is registered in England and Wales. Registered number 1007798. Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).