To work out how much cat insurance you need, you'll need to weigh up factors like how old your pet is and if they live with any pre-existing medical conditions, as this may affect how likely it is that you'll need to make a claim. From there, you'll need to decide what type of policy you need for your cat. A lifetime policy covers vet fees up to a certain amount every year, as long as you renew your policy. This is the most expensive type of cat insurance but does give you peace of mind that no matter how many claims you make, you'll receive the same amount of cover each year. Alternatively, if you only want to cover bigger vet bills caused by accidents, accident-only cover can be a more affordable option. But do keep in mind accident accident-only policies won't cover treatment for illnesses.