Compare cat insurance

Compare companies that offer cat insurance and could pay for medical care if they fall ill or get injured.

11 results found, sorted by affiliated products first. How we order our comparisons. Commission earned affects the table's sort order.
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Money.co.uk Exclusive: 1st Month Free
Waggel Pet Insurance
New cover starts for cats aged from
8 weeks
Maximum vet fees
£10,000 a year
Discounts
Introductory discount
1st month free for money.co.uk customers. Waggel offer a comprehensive Lifetime policy that covers reoccurring conditions and includes dental. It allows you to adjust the coverage and excess so that you can find a price to suit your budget.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts8 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts8 weeks
Voted Best Pet Insurance Provider: Insurance Choice Awards 2020
Bought By Many Pet Insurance
New cover starts for cats aged from
4 weeks
Maximum vet fees
£15,000 a year
Discounts
15% multi-pet discount
Over 300,000 pets covered. 14,000+ 5* reviews on Feefo. FREE unlimited video calls with a vet, 24/7 so you can get expert advice from the comfort of your home. Lifetime policies. No cancellation fee.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts4 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts4 weeks
Pet Insurance Provider of the Year: Moneyfacts Consumer Awards 2020
The Insurance Emporium Pet Insurance
New cover starts for cats aged from
5 weeks
Maximum vet fees
£8,000 per condition a year
Discounts
10% multi-pet discount & 20% introductory discount
Voted Pet Insurance Provider of the Year at the Moneyfacts Consumer Awards 2020. Tailor your policy with Optional Benefits to suit your needs and budget. 20% Introductory Discount available for the first year of cover, T&Cs apply.
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed.
This is an insurance broker.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts5 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts5 weeks
Direct Line Pet Insurance
New cover starts for cats aged from
8 weeks to 10 years
Maximum vet fees
£8,000 per condition
Discounts
A multi-pet discount
Get 12 months pet insurance for the price of 9 when you buy online. Introductory online discount applied over first 12 months.
If you renew this policy any conditions you have already claimed for will not be covered.
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed. Underwritten by U K Insurance Limited.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover starts10 years
Minimum cat age when cover starts8 weeks
Maximum dog age when cover starts10 years
Minimum dog age when cover starts8 weeks
Pet-insurance.co.uk Pet Insurance
New cover starts for cats aged from
5 weeks
Maximum vet fees
£4,000 a year
Discounts
10% multi-pet discount & 20% introductory discount
Pet-Insurance.co.uk offer both standard and lifetime pet insurance for dogs and cats, designed to suit your individual needs. Their policies can help protect against unforeseen Vet's Fees costs, and much more.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts5 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts5 weeks
2020 Feefo Platinum Award winner
Healthy Pets Pet Insurance
New cover starts for cats aged from
5 weeks to 12 years
Maximum vet fees
£7,500 per condition
Discounts
20% online discount
20% online discount, and as specialists, can pay the vet direct, offer free direct debiting, have 3rd party liability for dogs as standard, offer a range of cover to suit all budgets and love pets.
If you renew this policy any conditions you have already claimed for will not be covered.
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover starts12 years
Minimum cat age when cover starts5 weeks
Maximum dog age when cover starts10 years
Minimum dog age when cover starts5 weeks
Tesco Bank Pet Insurance
New cover starts for cats aged from
8 weeks
Maximum vet fees
£10,000 per condition
Discounts
-
Arranged, administered and underwritten by Royal Sun Alliance Insurance plc.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts8 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts8 weeks
LV= Pet Insurance
New cover starts for cats aged from
8 weeks
Maximum vet fees
£10,000 a year
Discounts
10% online discount & a multi-pet discount
LV= is here when your cats and dogs need more than a little TLC - LV= can pay your vet fees directly. LV= offer pet insurance with 5 levels of cover to choose from, plus a 10% online discount.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts8 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts8 weeks

Looking for another type of pet insurance?

What's cat insurance?

Caring for your cat can be costly. With the exception of dogs, they will rack up higher vet bills than any other common house pet. This means it is important to find the best cat insurance policy to cover the needs of you and your furry friend.

Cat insurance policies may seem expensive at first, but consider that the alternative is paying for vet bills out of your own pocket. As treatment costs for cats can be expensive, insurance is too. But the best cat insurance cover can protect you from the shock of unexpected bills.

Remember that the best cat insurance is not always the cheapest cat insurance. To find the best cat insurance for your pet, you'll need to work out what cover you need.

Types of cat insurance

Before you start to compare cat insurance and think about buying your policy, you will need to consider the level of cover your pet will need.

If you are looking for cheap cat insurance, you will need to accept a lower level of cover. While this may be tempting, taking out any pet insurance policy that doesn't provide an adequate level of cover is likely to be a waste of money.

Make sure your prospective policy covers what your cat needs, then look for the cheapest price.

Here is an overview of the different levels of cat insurance on the market.

Updated 15 July 2021
Insurance typeLevel of cover
Accident only cat insuranceThis type of pet insurance covers your cat if they are injured in an accident. This is the standard level of cover offered by most cat insurance providers, so will likely be the cheapest insurance option. This type of policy may also include some cover for vet fees if your cat needs treatment as a result of an accident, though not all providers will include this.
Time limited cat insuranceThis cat insurance gives you the option to claim multiple times over a set period (usually a year) if your pet suffers from a health condition. Once this period ends, you will need to pay to treat that condition yourself.
Maximum benefit cat insuranceThis form of pet insurance lets you claim for vet fees and other costs up to a specified limit (e.g. £5,000). Once you hit that limit, your insurer will not pay for further treatment.
Lifetime insuranceLifetime cat insurance will likely be the most comprehensive cover available, which could make it the best cat insurance for you. You can claim for any condition they suffer from up to a set amount (e.g. £10,000) every year of your cat's life. As it is the most comprehensive choice for cat insurance, it will likely also be the most expensive.

Owning a pedigree cat will mean that you may need to consider purchasing a higher level of cover. Lifetime cat insurance is usually considered the best option for pure breeds because these pets often suffer from hereditary diseases, which can become particularly severe in old age.

Paying vet bills over the life of a pedigree cat can mean spending thousands of pounds. Therefore, lifetime or maximum benefit insurance could potentially save you a significant sum in the long run.

As pedigree cats can be very valuable, it is also important to have the right cover for if your pet is stolen or gets lost. For cat insurance, UK providers will usually offer a range of add-ons and extras that can cover your pooch if the cover you need is not included in a standard policy.

What are the main types of cat insurance?

The best policy for your cat will depend on your life circumstances, plus the breed and general health of your pet.

Pet insurance will typically cover your cat for accidents, illnesses and injuries. Here is an example of the levels of cover that might be available and their claim limits:

Updated 15 July 2021
Policy featureStandardStandard PlusSuper cover
Vet treatment£5000 £1,000 £3,000
Excess£100 £200 £300
Time limit12 months 12 months Until you reach the vet fees limit
Missing cat cover£500 £1,000 £2,000
Death costs (putting your cat to sleep)£100 £200 £500

What doesn't pet insurance cover?

Here are the treatments and conditions most cat insurance providers will choose to exclude, plus what will almost always be included as standard.

Updated 15 July 2021
What is covered What is not covered
Alternative therapies (e.g. hydrotherapy or acupuncture) or any treatments that your vet has referred your cat forRoutine and preventative procedures such as vaccination or flea treatment
Diagnostic costs for working out what is wrong with your cat (e.g. blood tests) Dental treatment, unless it is an emergency
Putting your cat to sleepPaying for your cat to be buried or cremated

Does pet insurance cover pre-existing conditions and older cats?

All policies have exclusions, even the best cat insurance. That means certain claims you try to make could be rejected.

When you're choosing a health plan for your cat, make sure you check the policy document for a list of exclusions.

Some policies may exclude cover for older cats, while others only cover healthy pets insurance and not cats that already suffer with a pre-existing medical condition. Standard pet insurance may also not cover cats that are used for breeding.

If your pet falls into one of the above categories, you could still insure them through a specialist pet plan.

Here's more information on how to claim on your cat insurance, including all the common exclusions you need to watch out for.

How much is cat insurance?

The cost of cat insurance depends on various factors. Potential insurers might look at what breed of cat you have, their age and how much cover you want.

Doing a pet insurance comparison will give you a wide range of quotes and policies so you can find the best cat insurance at the best price.

What factors impact the cost of taking out cat insurance?

  • The level of cover: The more cover you need, the more your policy will cost. The top policy for your cat will have the perfect level of cover at the best price.

  • Your cat's breed: Pedigree pets can be more likely to suffer acute hereditary conditions, so may be more expensive to insure.

  • The age of your cat: Older pets are more likely to suffer from conditions which require veterinary treatment, so a cat with some miles on the clock may require a pricier insurance policy than a kitten.

  • Pre-existing conditions: If your cat suffers from a long-term illness that requires regular treatment, you will find that their insurance policy costs more than for a healthy pet.

  • Excess payment: As with most insurance policies, by choosing a high excess payment you will likely see your premiums decrease.

Cat insurance FAQs

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.

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.

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.

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

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.

Last updated: 3 June, 2021