Cat Insurance

Prialys Assurance > Insurance for Individuals > Pet Insurance > Cat Insurance

Cat insurance — Unlike exotic pets, cats are covered by every pet insurer on the French market, with a genuine choice of plans. Reimbursement runs from 60 % to 100 % of veterinary fees, with annual limits between 1 000 € and 4 000 €, excesses from 0 € to 75 € and prevention allowances from 30 € to 200 € per year. Entry-level cover starts at around 5 € a month for a young cat. Prialys, an independent broker, compares those plans line by line for you.

Freedom of choice: Prialys, independent broker, freely compares market offers for your pet.
Savings: benefit from negotiated rates through our broker status and privileged partnerships.
Custom coverage: reimbursement rate, annual limit, excess and prevention allowance matched to your cat.
Support: a dedicated contact for subscription, management and claims.

Cat Insurance coverage options

Criterion	What the French market offers
Reimbursement rate	From 60 % to 100 % of the veterinary fees, depending on the plan
Annual limit	From 1 000 € to 4 000 €, depending on the insurer and the plan
Annual excess	From 0 € to 75 €. Several insurers work with no excess at all
Prevention allowance	From 30 € to 200 € per year: vaccinations, neutering, worming, flea and tick treatment
Waiting period, accident	Short, generally a few days
Waiting period, illness	From 7 to 45 days. Some insurers cut it to 7 days on production of a health certificate
Age at subscription	From 2 months, up to 10 or 12 years depending on the insurer
Identification	Microchip compulsory in France
Entry price	From around 5 € per month for an entry-level plan on a young cat
Services often included	Direct settlement with the vet, telephone vet advice, complementary therapies depending on the plan

Frequent reasons for consultation : chronic kidney disease, hyperthyroidism, urinary tract disease and blockages, diabetes, dental disease, cat flu, tumours, and road accidents or falls for cats with outdoor access.

Ranges recorded in August 2026 across several French pet insurers. They are given for information only and are not a contractual commitment : only the general terms and conditions of the policy apply, and the premium depends on the age, breed and lifestyle of your cat.

How does cat insurance work?

1. Profile – Age, breed, indoor or outdoor

2. Quote – Several insurers compared

3. Plan – Rate, limit, excess, prevention

4. Subscription – Electronic signature

5. Claim – Reimbursement from the vet invoice

Personalised quote: complete our online form in 2 minutes to receive offers matched to your cat.
Offers compared: we put several French pet insurers side by side on an identical level of cover.
Plan choice: rate, annual limit, excess, prevention allowance and waiting periods compared line by line.
Quick subscription: electronic signature, certificate, then reimbursement on presentation of the vet invoice.

Questions? Call us today!

09 52 92 25 30

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Need detailed information on our pet insurance solutions ? The Prialys team, an independent broker, is available to review your situation and your current policies with you.

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What documents to subscribe to your cat insurance?

Proof of identity and contact details of the policyholder.
Microchip number of the cat.
Health record or European pet passport, with the vaccination record.
Veterinary health certificate, which some insurers use to shorten the illness waiting period.
Claims history statement from your previous insurer, if applicable.

Frequently asked questions about cat insurance

What is covered
What you pay yourself

Item	Details
Illness	Consultations, tests, imaging and medication, from 60 % to 100 % within the annual limit.
Accident	Wounds, fractures, falls, road accidents, ingestion of a foreign body, emergency care.
Surgery and hospitalisation	Anaesthesia, procedure, stay and post-operative care.
Long-term conditions	Chronic kidney disease, hyperthyroidism, diabetes, when they appear after subscription.
Prevention	Separate allowance of 30 € to 200 € per year: vaccinations, neutering, worming, flea treatment.
Services	Direct settlement with the vet and telephone vet advice, depending on the insurer.

Item	Details
Annual excess	From 0 € to 75 € per year depending on the plan, deducted before any reimbursement.
The uncovered share	The part of the invoice left outside the reimbursement rate, from 0 % to 40 % depending on the plan.
Above the limit	Anything beyond the annual limit of 1 000 € to 4 000 € in the same insurance year.
Pre-existing conditions	Any illness known or declared before subscription.
Waiting periods	Care given before the end of the waiting period, up to 45 days for illness in some policies.
Hereditary conditions	Excluded or limited by many policies: check the general terms and conditions.
Food and accessories	Ordinary food, litter and accessories. Therapeutic diets are covered only on the top plans.

Documents for your cat insurance

How much does cat insurance cost?

Entry-level plans start at around 5 € a month for a young cat. The premium then depends on age, breed, lifestyle and the level of cover chosen. Comparing several insurers on an identical level of cover is what makes the difference.

How much is reimbursed?

From 60 % to 100 % of the veterinary fees, within an annual limit of 1 000 € to 4 000 € depending on the plan, after any excess. Full 100 % reimbursement exists but sits at the top of the range.

Is there always an excess?

No. Excesses run from 0 € to 75 € a year, and several insurers work without one. An apparently cheaper plan with a high excess can end up costing more over a year of regular care.

Are vaccinations and neutering covered?

Through a separate prevention allowance, from 30 € to 200 € a year depending on the plan. It typically covers vaccinations, neutering, worming and flea treatment.

Up to what age can a cat be insured?

From 2 months, and up to 10 or 12 years depending on the insurer. Beyond that no new policy is issued, although an existing policy continues for life as long as premiums are paid.

What is excluded?

Conditions existing before subscription, care during the waiting period, hereditary or congenital conditions in many policies, elective procedures and food, other than therapeutic diets on the top plans. The general terms and conditions list the exclusions in full.

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Talk to our broker

Adresse email : contact@prialys.fr

Téléphone : 09 52 92 25 30

Address: Miniparc 3 478, Rue de la Découverte CES 67624, 31670 Labège

FAQ – Cat Insurance

Which plan for a cat?

The right level depends less on price than on your cat’s lifestyle. An indoor cat is mainly exposed to illness, so the annual limit and the reimbursement rate matter most. A cat with outdoor access is also exposed to accidents, which argues for a plan with no excess and a short accident waiting period. Some insurers even market a dedicated indoor plan.

Why the waiting period matters

The illness waiting period ranges from 7 to 45 days depending on the insurer. Nothing declared during that period is reimbursed, and any condition already present is excluded for good. Subscribing while the cat is young and healthy is what keeps the cover genuinely useful later on.

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