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Whether you’re looking for lifetime cat insurance for your cat, or simply some accident cover – we’ve got you covered
At Cover My we want our customers to feel safe and assured in knowing that we will take good care of your cat. Our reliable and affordable cat insurance allows you to protect what matters to you the most.
Our cat insurance can help with unexpected vet bills, and other costs associated with making sure your cat gets the care they deserve.
Our 3 types of cover provide you and your cat with a flexible choice of protection that can suit your budget and the appropriate care for your cat. Please see our policy comparison table below, to see the different cover options available
Lifetime is considered the most comprehensive level of pet insurance. Lifetime will provide cover for ongoing conditions for the duration of the pets life as long as the policy is renewed. CMP levels of cover for £2,000, £5,000 and £10,000 limit on veterinary fees. This is essentially a pot of money, any vet fees you claim for during the policy years comes out of this pot and the pot refills when you renew.
Time limited policies have a limit per condition and a limit on how long you can claim for a particular condition, whichever of these limits are reach first would mean that the condition would be excluded moving forward. With Cover My Pet we cover up to £3,000 or 12 months per condition, this can be split over 2 policy years if required (6 months from one and 6 months from another for example).
Max Benefit provides a limit per condition, but no time limit on how long the condition can be claimed for as long as you continue to renew your policy. Cover My Pet offer up to £4,000 per condition, once the £4,000 limit is reached the condition would be excluded moving forward.
Having a pet become unwell or injured is stressful enough, the last thing you want to do is face financial problems as a result. We can’t stop your pet from becoming poorly, but we can take the financial burden away at this stressful time.
Our team are experts in making the claim process as seamless and straightforward as possible, so we set about processing your claim straight away, and aim to have it all sorted as quickly as possible for you.
According to the Association of British Insurers, the cost of the average pet insurance claim in 2018 was £793, more than twice the average annual premium for dogs and over three times that for cats. The average pet insurance claim has increased by 75% over the last decade.
Average vet bill
£594 - £1369
Average vet bill
£594 - £701
Average vet bill
£2184
Average vet bill
£608
Average vet bill
£666
| Time limited | Maximum Benefit | Lifetime | ||||||
|---|---|---|---|---|---|---|---|---|
| Vets Fees | £3000 or up to 365 days per condition, whichever occurs sooner | £4,000 per condition | £2,000 | £3,000 | £4,000 | £5,000 | £7,500 | £10,000 |
| Diagnostic cap (CT and MRI's) | £1,500 | £1,500 | £1,500 | £1,500 | £1,500 | £1,500 | £2,000 | £2,000 |
| Cruciate Limit Cap | £1,500 | £1,500 | £1,500 | £1,500 | £1,500 | £2,000 | £2,500 | £2,500 |
| Complementary Treatment | £250 | £500 | £500 | £500 | £500 | £750 | £1,000 | £1,000 |
| Death from Illness or Accident | £500 | £500 | £750 | £1,000 | £1,000 | £1,000 | £1,000 | £1,000 |
| Third Party Liability (dog only) | £1,000,000 | £1,000,000 | £1,000,000 | £1,000,000 | £1,000,000 | £2,000,000 | £2,000,000 | £2,000,000 |
| Third Party Liability Excess | £250 | £250 | £250 | £250 | £250 | £250 | £250 | £250 |
| Holiday Cancellation | £1,500 | £1,500 | £1,500 | £1,500 | £1,500 | £2,000 | £2,500 | £2,500 |
| Theft or Straying | £500 | £500 | £750 | £1,000 | £1,000 | £1,000 | £1,000 | £1,000 |
We’ll provide a clear brakdown of your claim payment and how this will be paid so you can get back to teaching your new pet tricks as quickly as possible.
Lifetime, Maximum Benefit or Time Limited
This is the most complete type of pet insurance available. It covers accidents, injuries or illnesses for the lifetime of your pet, subject to limits set out in the policy, the limit resets each policy year.
This will cover illnesses and accidents up to a maximum amount per condition, but there’s no time limit on how long you can claim for.
This will cover illness as well as accidents up to the claim limit or 365 days per condition, whichever occurs sooner
Your pet will not be covered for any claims relating to accidental injury for 5 days from the start date of your policy Your pet will not be covered for any claims relating other covers types for 14 days from the start date of the policy.
Please contact The Insurance Factory on 03330096721 or email petclaims@insurancefactory.co.uk or visit the Cover My website to download a claim form
Yes, this can be arranged subject to agreement from your vet
You should contact the claim handler; The Insurance Factory on 0333 0096721 as soon as you think you may have a claim and they will let you know how to proceed
Yes there is a fixed excess and a % Excess you choose the excess level at the start of the policy.
What is a % Excess?
This is the amount that you are required to pay towards a claim (in addition to the excess). The % Excess is deducted from the overall limit of Your cover. By way of an example, if You have a benefit limit of £4,000, a Policy excess of £90 and a co-payment percent of 10% the maximum settlement would be £3,519 for a single Condition in a single year.
What is the excess amount?
For cats aged under 10 and most breeds of dog under 8 the fixed excess is either £50 or £100 and the % excess is either 0% or 15% depending on what you choose at the start of the policy.
For selected breeds of dog under 8 the fixed excess is either £50 or £100 and the % excess is 15%. (It will be clear during the application process whether your dog is one of the selected breeds where a 15% excess always applies)
For cats aged 10 or over and all dogs aged 8 or over the fixed excess will be £50 or £100 (depending on your choice at the start of the policy) and the % excess will be 15%
Yes, your policy will automatically renew unless you tell us you no longer want the cover. We do this to ensure that your pet has continuous cover. We will contact you no later than 21 days before your policy is due to renew, so you can cancel or make any changes
Cover My
Kempton House, Kempton Way, PO Box 9562, Grantham, Lincolnshire, NG31 0EA
Cover My is a trading name of Reach Financial Services Limited. Reach Financial Services Limited is authorised and regulated by the Financial Conduct Authority. FCA Register Number 302801.
Reach Financial Services Limited is a limited company registered in England Company No: 4328466 Registered office: Kempton House, Kempton Way, PO Box 9562, Grantham, Lincolnshire, NG31 0EA.
© 2023 Cover My. All rights reserved.
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