Cat Insurance

Keep your cat or kitten covered

Your cat is like a member of your family – Cat Insurance helps with vet fees, accidents & more

  • Accidents & illnesses
  • 4 cover levels
  • Direct vet payments
  • Pay monthly or annually

Policies are arranged and administered by BDML Connect Ltd.
Policies are underwritten by Zenith Insurance Plc. Excesses, exclusions & limitations apply.
*Illness not covered under Accident Only cover
**Subject to availability

Want cover for your cat?

Get a quote

What's covered?
Excesses, exclusions & limitations apply – scroll down for more details

Overseas travel*

Take your cat with you overseas


Like a broken paw or nasty scrape


We're here to help if your cat gets sick

Vet fees

We can pay your vet directly, subject to availability

Medical treatment

Help your cat recieve the treatment it deserves.

* Not covered under Accident Only cover level.
Accidents are not covered in first 48 hours. Overseas travel is limited to EU and EEA states listed under the PETS travel scheme. Medicine is only if prescribed for a covered condition and subject to limits and terms.

Before you buy

Key features

Details about our Cat Insurance

Accident & illness cover

Cats can get into anything – which can lead to unexpected accidents. And illnesses can be a nasty surprise when they happen. The good news? We can help with the majority of accidents and illnesses.


Not covered: pre-existing conditions; preventative and elective treatments; death or illness due to not vaccinating according to British Small Animal Veterinary Association recommendations; claims where medication or treatment has not been recommended by a vet; death from accident or illness in the first 14 days; accidents in first 48 hours. Illness or death by illness is not covered on Accident Only policies.

Extra benefits

Along with being reimbursed for most of your cat’s vet fees, you’ll be covered for death up to the policy limits, boarding fees if you’re hospitalised more than four days and non-recoverable costs if your holiday gets cancelled due to your pet. You'll also get access to a range of pet help-lines.


Illness or death by illness is not covered on Accident Only policies; death by illness is not covered for cats 11+ years of age under any cover level.

Advertising & reward

If your moggie goes missing, we're here to help. With prior approval, we'll cover the cost of advertising your cat's loss in a local newspaper or other location, along with the reward you offer for its return.


Not available for Accident Only policies, or within the first 14 days of (or prior to) the start of the policy. Excess applies.

Overseas cover

Have an upcoming trip, but can't bear to be away from your cat? Get covered for up to 364 days of overseas travel with your cat, depending on your cover level.


Cover lasts up to 30 days on Accident Only, Economy and Standard cover and 364 days on Premier cover. Your destination country must be in the EU or EEA and be a member of the PETS Travel Scheme.


What you'll need to pay for an approved claim. Swipe the table left and right to see all excesses.

 Accident OnlyEconomyStandardPremier
Fixed excess*£75£99£85£85
Variable excess**10%
(10% of the remaining claim value after the fixed excess has been deducted)


*Per condition, per year

**The variable excess amount is required along with the fixed excess amount upon claim. Applies to dogs 5+ years old, cats 7+ years old and some selected breeds.

Policy Wording    Contact us

Compare our cover levels*



Accident only




Frequently asked questions

If I lose my pet and put an advert in the newspaper, is the ad and the reward I offer covered?
Tap to read answer

Yes – in the event of your pet being lost, we will reimburse you for advertising its loss in a local paper or other approved location, and for a reasonable reward that you offer for your pet’s recovery. You should telephone 0844 335 0324* and obtain approval from us before spending any money or paying any rewards. 


*Calls to 0844, 0843 and 0845 numbers cost 7p per minute, plus your telephone company's access charge.

What if my pet is lost?
Tap to read answer

The loss of dogs should be reported to the police within 24 hours of disappearance; for both cats and dogs, telephone us and report the possible loss. If your pet hasn’t been found after 45 days – and you’ve put the appropriate effort into finding it, like taking out advertising and offering rewards – you may be eligible for reimbursement up to a maximum of £250 (Economy cover),  £500 (Standard cover) or £1000 (Premier cover).

Are there age limits for cover?
Tap to read answer

Yes – your pet must be at least 8 weeks old in order to open a policy. There is no maximum age limit for covering pets; however, death by illness is not covered for dogs that are 9 or more years old and cats that are 11 or more years old. 

How do you calculate my quote?
Tap to read answer

When determining your cost of cover, we look at the breed of your pet, along with its age, gender and where you live. Every quote is calculated individually, so you can be sure you'll get the most competitive price possible.

How to claim

In just 4 steps

  1. Call us on 0844 335 0324* (8am – 6pm Monday to Friday, 9am – 2pm on Saturdays). You will need to send us the claim form, any invoices and a full clinical history within 60 days of your pet receiving treatment, or as soon as possible thereafter. If you do not do this, your claim may not be paid.
  2. If you have settled your bill, simply call us and we'll talk you through the claims process, send you a claim form and advise you as to the documentation you need to send to us along with the completed form.
  3. If your vet elects to claim on your behalf, we will still send the claim form to you first. You will need to fill in certain sections of the form and then take it to your vet, who will fill in the rest and send it on to us with any supporting documentation.
  4. Once we have the completed form and all the required documentation, we will assess and process your claim – if you choose, you can elect to be kept updated on progress via text message or email, or simply wait for your settlement.

*Calls to 0844 numbers cost 7p per minute, plus your telephone company's access charge

More about Cat Insurance

Cover for your cat or kitten

Cats take risks! From their tendency to go out at night to their legendary curiosity, cats are liable to get knocks and scrapes – not to mention pick up the odd illness here and there. Good thing, then, that Protect Your Bubble’s Cat Insurance covers the majority of illness and accidents that could happen to your moggie or kitten.

Choose from four different cover levels to find the cover that best suits your needs – from protection for accidents only, to comprehensive cover that lets you take your cat abroad for up to 364 days (terms and conditions apply).We can pay any registered vet directly, subject to availability, and you can choose between monthly and annual payments for your policy.

If you ever need to make a claim, you'll get expert support when you need it: we give you access to a specialist team of qualified vet nurses who are available to help or speak to a vet on your behalf. We know pets are an extension of your family, and vet costs can be expensive. Reducing the burden with Cat Insurance can make all the difference if your cat or kitten needs medical treatment.

Getting a quote takes less than a minute – why not start now?