Why do I need cat insurance?

Cats make adorable companions that send many of us doolally in love. But as they’re one of the most independent pets we can have, our beloved kitties can sometimes return home with unexpected injuries that need treatment from a vet.

As a cat owner, you’ve made a commitment to provide and care for your fur buddy throughout their lifetime. Both through their healthy and not-so-healthy times. That means if anything does go wrong, it’s your responsibility to ensure they get the treatment they deserve.

If you don’t have the right cat insurance in place, you could end up paying hundreds if not thousands of pounds for the cost of veterinary treatment. And if you haven’t prepared for it, this can be a big blow to your savings or monthly pay packet!

But with vet bills rising year on year, cat insurance ensures you’re covered for any unplanned costs while your furry friend makes a full recovery. You’ll rest easy all year round knowing if your cat falls ill or has an accident, you won’t be out of pocket.

Here at 4Paws we have three different policy options to suit your cat’s needs and your budget. For just a small monthly cost, you’ll know both your cat’s wellbeing and your wallet are safe and sound under our wing.

With these bonuses, you’ll be like the cat that got the cream!

Cover from 6 weeks old

Fees can be paid directly to your vet practice

Pay monthly with no extra cost

UK based contact centre

24/7 emergency claim line

Dedicated Pet Specialists

We can pre-authorise claims too!

Together let’s keep your furry pal happy, healthy and safe. Choose your level of cover from our Standard, Maximum Benefit, or Lifetime policies. Get a quote for your policy online today.

Time Limited

A time limited, low cost policy designed to help with the costs of veterinary treatment for injury or illness.

Our time limited policy offers cover for up to 12 months per condition.

Has a veterinary fee limit of £3,000 per condition.


An enhanced level of cover with an extensive range of extra benefits.

Maximum benefit polices have no time limit on claims, so you can claim year after year for an ongoing condition, up to the monetary limits for as long as you continue to renew your policy.

We offer 3 levels of cover with veterinary fees limits of £2,000, £4,000 or £7,000 per condition.


Our most comprehensive policy, with our highest level of cover, including a range of extensive benefits.

Lifetime policies are often recommended by veterinary surgeons and provide complete piece of mind thanks to the best healthcare possible for your pet. The limit renews every year for as long as you continue to renew your policy.

We offer 3 types of lifetime cover with veterinary fee limits of £4,000, £7,000 or £12,000 per year.

 StandardMaximum benefitLifetime
Veterinary Fees£3,000 per condition for 12 monthsUp to £7,000 per conditionUp to £12,000 per year, renewed each policy year
Complementary TreatmentxUp to £1000Up to £1500
Boarding FeesxUp to £1250Up to £2000
Advertising & RewardxUp to £1500Up to £2000
Theft or StrayingxUp to £1500Up to £2000
Death from injuryxUp to £1500Up to £2000
Death from illnessxUp to £1500Up to £2000
Holiday cancellationxUp to £1750Up to £3000
Emergency repatriationxUp to £1000Up to £2000
Quarantine or loss of documentsxUp to £1250Up to £1500

Fun facts about cats

  • Cats only meow to communicate with humans not with each other.
  • Cats spend around 70% of their lives sleeping. Lucky things!
  • The oldest cat on record was 38 years old.
  • Cats can’t taste sweet things. They will never know the joy of cake!
  • Although many cartoons show cats lapping milk from saucers, cats are actually lactose intolerant and milk should be avoided.
Chat online to us, email or call
01423 535040, we’d love to hear from you.
If you are an existing customer,
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