Last updated:9 April 2021

You can protect yourself against the cost of your cat or kitten getting ill or straying by finding the best cat 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 best cat insurance policy.

What does it cover?

A cat 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. With the best cat insurance, UK providers can offer extensive cover and add-ons, however these policies will usually have higher premiums.

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.

Do you need cat insurance?

If your cat suffers an injury or gets ill, having a good cat insurance policy will protect you from having to pay huge vet bills out of your own pocket.

Most pets are likely to need some form of medical treatment over the course of year, while the cost of a policy is significantly less than paying for most major treatments in cash.

If you do need to make a claim on your cat insurance policy, the right cover can save you money, but you need to make sure that your policy will pay out when you need it to most.

Look out for exclusions that could catch you out if you need to make a claim.

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. Even with the best pet insurance for cats, UK policies will feature exclusions 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 cat insurance pays out.

Cat insurance FAQs


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


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 the best cat insurance for you here.


Can I insure my older cat?


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.


Can I cover my pedigree cat?


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


How do I claim on my cat insurance?


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


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


Yes. If you think you've found the best pet insurance for cats, UK providers are likely to offer a multi pet policy that covers two or more cats - and it can earn you a discount. Here is how to find the best cat insurance for multiple pets at once.