You can protect yourself against the cost of your cat or kitten getting ill or straying with a pet insurance policy.

Vet fees can cost you thousands of pounds if your cat is seriously ill or injured, but you can cover these costs with the right pet insurance policy.

What does it cover?

A pet insurance policy should protect you and your cat against:

  • Vet fees: You could claim back the cost of vet fees if your cat needs medical treatment. Our comparison shows you how much cover each insurer offers.

  • Theft or straying: You could claim back the cost of paying for a reward and advertising if your cat goes missing or is stolen.

  • Death: You could claim back how much you paid for your pet if your cat passes away because of an illness or accident.

  • Boarding fees: You could claim back the cost of cattery fees if you have to go into hospital and cannot look after your cat.

If you have a pedigree cat you should look for high levels of cover for vet fees and theft, because they can be prone to certain illnesses and are attractive to thieves.

You do not need third party liability cover for your cat because they are considered free spirits under UK law, which means you are not responsible for any damage they cause.

Look out for exclusions

Make sure you check the policy documents before you buy, because many insurers include exclusions that could stop you making a successful claim, such as:

  • Your cat's age: Some insurers will not cover older pets. Use our comparison to see what age each insurer can cover.

  • Pre existing medical conditions: Most pet insurers will not cover your cat's existing medical conditions.

  • The vet you use: You may have to use vets specified by your insurer.

This guide includes what exclusions to look out for, so you know how to make sure your pet insurance pays out.

Cat insurance FAQs

Q

Can I get cover for my cat's existing medical conditions?

A

Most policies do not, but some can cover conditions if your cat has been symptom free for at least two years. Find out how to find cover here.

Q

Can I insure my older cat?

A

Yes, but many insurers set a maximum age limit on their policies, for example eight years old. Here is how to find cover for your older pet.

Q

Can I cover my pedigree cat?

A

Yes, but make sure you get the right policy because pedigree cats can be prone to certain illnesses. Here is how to insure your pedigree pet.

Q

How do I claim on my cat insurance?

A

You need to send a claims form to your insurer. Here is what you need to do to make a pet insurance claim.

Q

Can I cover more than one cat on the same policy?

A

Yes you can get a multi pet policy that covers two or more cats, and it can earn you a discount. Here is how to insurance multiple pets at once.