Frequently Asked Questions

We know cat insurance can be confusing, so here are some of our most frequently asked questions

We're here to help

Not sure what is included in your policy? Unsure of what to do in the event of a claim? Here are some of our most frequently asked questions about our cat policy. Don't forget, our friendly, UK-based team are on hand to help if you can't find what you're looking for.

Cats are considered to be ‘free spirits’ and are not considered to be legally owned. By nature, they roam and are therefore not under the owner’s control. The owner cannot be held legally liable for any damage caused.

Yes, so long as the policy is valid and up to date and the accident did not occur prior to the start of the policy, we will cover veterinary fees up to £12,500

Yes, you can add breeding risks to your policy as one of optional extras to your cat’s cover

As long as there are no pre-existing clinical signs or symptoms then we will cover your cat for feline AIDS

Our policies cover veterinary fees for both indoor and outdoor cats. However, you can add an optional benefit to your policy if your cat sadly dies or is lost through theft or straying

You should send in your claim as soon as possible. First download a claim form from your product website. Then you and the vet treating your pet will need to fully complete and sign the form. Once completed you should collect it from your vet and return it to the address on the form, enclosing all the relevant receipts or invoices and any other supporting documents. For further advice please call our claims helpline.

For your convenience we pay claims directly into your bank account providing we have your account details. Please ensure that the payment details are completed on the front of the claim form.

Yes, with their agreement. We frequently provide payment (after any deductions) direct to veterinary practices. If your vet is happy receive direct payment, please indicate this on the relevant section on the front of the claim form.

Yes, and there is no restriction should you wish to change and go to another veterinary practice.

You and your vet are required to complete a claim form, and your vet will need to ensure that he/she has ticked ‘yes’ in answer to the question ‘Is this a continuation claim’ on section 7b of the form. We can then match your continuation claim with any previous claims on our records for that illness or injury.

This is the amount that you must pay towards each claim that you make. The excess is specified in your schedule of insurance and in addition to a fixed excess a percentage excess may also apply. When your pet’s treatment falls into two or more periods of insurance, you must pay the fixed excess for each period of insurance and also for each separate illness or injury. The excess will be deducted from the claim settlement. For full information on the excesses please refer to the Policy Terms and Conditions booklet.

These are clinically proven and formulated diets made by a pet food company for a vet to prescribe to help with a specific illness or injury. We recognise that such diets can play an important part in your pet’s treatment and we can contribute 50% of the cost of a clinical diet up to a maximum amount for each illness or injury as detailed in your Schedule of Insurance. This limit is included within the overall maximum veterinary benefit, which you have selected. However a clinical diet used to help your pet lose weight is not covered.

The cost of drugs purchased over the Internet can be claimed provided your vet has prescribed the drug to treat your pet. You will need to send together with your claim form a copy of the prescription supplied by your vet together with the receipt for the drug.

Yes, we will pay up to a maximum amount for the cost of behavioural treatment for each separate illness or injury provided this has been carried out by a behaviourist acting under the direction of your vet. The behaviourist must be a certified clinical animal behaviourist or a member of one of the following organisations – the Association of Pet Behaviour Counsellors or the Canine and Feline Behaviour Association. This limit is included within the overall maximum veterinary benefit, which you have selected.

The policy will pay for the cost of pheromone products only if they are used as part of a structured behaviour modification programme as recommended by your vet or a behavioural specialist, for a maximum of six months. This includes the use of DAP diffusers.

The policy includes cover for dental illness and injury but there are some restrictions to the cover provided and we will not pay for routine check-ups including descaling and polishing; elective or cosmetic treatment; or any treatment for crowns and root canal procedures, though there are some exceptions to this. For further information please refer to the Policy Terms and Conditions booklet or if you are unsure whether your pet’s treatment will be covered please call our claims helpline and talk to one of our pet insurance specialists.

This is included in the complementary treatment benefit, and the cost of up to 20 sessions of hydrotherapy for the rehabilitation of your pet as recommended by your vet can be claimed for each separate illness or injury. A pool operator who is a member of the Canine Hydrotherapy Association (CHA), the National Association of Registered Canine Hydrotherapists (NARCH), The Association of Chartered Physiotherapists in Animal Therapy (ACPAT) and The International Association of Animal Therapists (IAAT) or a veterinary practice must provide the hydrotherapy. Please include the receipts from the hydrotherapy centre with your claim form and ensure that the relevant section on the reverse of the form been completed.

Agria Pet Insurance provides a comprehensive level of cover including the cost of complementary treatment as recommended by your vet up to a maximum amount detailed in your Schedule of Insurance. This limit is included within the overall maximum veterinary benefit, which you have selected. The cover is limited to physiotherapy; osteopathy; chiropractic treatment; hydrotherapy and acupuncture. Please ask your vet to complete a claim form as usual and ensure that the relevant section on the reverse of the form has been completed.