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Cat Insurance from E&L

Online Discount

Cat Insurance from E&L® provides cheap comprehensive cat insurance with a range of competitively priced plans and excellent levels of cover for pedigree and non pedigree cats.

We have three levels of cat insurance cover to choose from, details can be found in our cat insurance policy information section. Whichever level of cat cover you choose you will benefit from essential vets fees protection.

So if your cat is taken ill or involved in an accident then you don't have to worry. We provide up to £6,000 of vets fees cover should you decide on us to take care of your pet cat insurance needs. We will also help with the cost to cover advertising and a reward should your cat become lost or stolen and a whole lot more. To find out more about our cat insurance plans please take a look at our cat insurance FAQ's which answers many of the commonly asked queries we receive. For more general information on all things cat why not take a look at our helpful cat tips and advice section.

When you get a cat insurance quote from us you will receive a 45% online discount and if you are looking to insure more than one cat you will also benefit from an additional 10% discount per cat.

Cat Insurance cover options, three levels of cover to choose from:

  • Silver cat insurance - vet's fees up to £4,000
  • Gold cat insurance - vet's fees up to £5,000
  • Diamond cat insurance - vet's fees up to £6,000

Pet cat insurance cover also includes: -

  • Cattery fees to cover the cost of boarding, personal accident, loss by theft or straying, accidental damage and more
  • Cheap cat insurance premiums with up to 45% introductory online premium discount
  • 10% multi cat discount when insuring more than one cat

So why not get a cheap pet cat insurance quote online today, plans start from as low as £4.82 per month. Buy comprehensive cat insurance online today and save 45%.

Cat Policy Information

The following cover benefits are for dogs and cats aged under 8 years, for older pets please see our Senior Pet Insurance policy.

  Silver Gold Diamond
Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly
Vet's Fees £4,000
£1,000 limit per condition
£1,000 limit per condition
£5,000 £4,500 £6,000 £5,500
Death of Pet £750 £500 £1,000 £750 £1,500 £1,250
Boarding Kennel/Cattery Fees £750 £500 £1,000 £750 £1,500 £1,250
Holiday Cancellation £1,000 £750 £1,500 £1,250 £2,500 £2,000
Advertising and Reward £600 £450 £800 £650 £1,000 £750
Loss by Theft or Straying £750 £500 £1,000 £750 £1,500 £1,250
Accidental Damage £500 £250 £750 £500 £1,000 £750
Burglar Reward £500 £250 £750 £500 £1,000 £750
Transport Costs £150 £100 £200 £150 £250 £200
Personal Accident £150 £100 £200 £150 £250 £200

Area Classification

  • Area A: All counties other than those in Area B or Area C
  • Area B: Berkshire, Essex, Sussex, Hertfordshire, Kent, Middlesex and Surrey
  • Area C: London


The excess is the amount you pay towards a claim. It is from £65–£169 (dependent on the area of the country, breed of pet and the plan type you have chosen) except Public Liability claims where the excess is £260. Claims over £1,000 in value are subject to a double excess.

1. Lunar monthly policy (more information)

The following discounts are available on E&L® Cat Insurance:

  • 45% online discount
  • 10% multi pet discount

The total maximum discount per policy is 55%.

Introductory discounts provided only apply to new policies taken out online.

To be eligible for E&L® Cat Insurance the following conditions must be met:

  • The policyholder is a UK resident aged over 18 years
  • The Cat must be aged between 5 weeks and 8 years of age
  • E&L must be advised of any pre-existing medical conditions

Please see the Cat Insurance Policy Wording for full eligibility criteria.

Policy Summary

The policy summary gives an overview of the benefits our cat insurance provides

Cat Insurance Policy Summary

Policy Wording

The policy wording outlines full details of our cat insurance terms and conditions.

Cat Insurance Policy Wording

To view the above PDFs Adobe Reader must be installed.

Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.

Cat Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.

  • Am I able to arrange cover if I choose not to have my cat vaccinated?
  • Yes, although unvaccinated cats are not covered for: Feline Infectious Enteritis, Feline Leukemia and Cat flu. In addition any treatment required for an illness that may have been prevented with a routine vaccination will be excluded (unless the vaccine failed).

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  • Am I able to claim for any dental treatment for my cat within this policy?
  • If the treatment was relating to a condition and not routine, for cosmetic reasons or any tooth/gum related disease it would be covered by the policy.

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  • Are all breeds of cat covered by the policy?
  • Yes. There are currently no cat breeds that we cannot insure.

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  • My cat is close to turning 8 years old and they are insured with you, what happens?
  • Your cat will simply be transferred onto our senior cat policy.

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  • Why is my cat not covered against liability risks?
  • Under UK law you cannot be held liable for the actions of your cat. This is different for a dog where you are responsible for any injury or damage to third party property that they may cause.

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  • Will my cat medical insurance help if my cat is lost?
  • Yes. We always aim to re-unite a lost cat with its owner, that's why as part of your policy we offer cover for advertising and reward to help you cover the cost of getting your cat back. Each policyholder has the option to accept membership for National Pet Register, a 24 hour service available to help reunite missing pets with their owners, which is free for the first year.

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