How to choose the best pet insurance for your cat
We all want what’s best for our feline friends – and pet insurance helps make that possible. But with so many options out there, what’s the best insurance for your cat?
Key takeaways
Examine any limits on cover, such as waiting periods or claim caps, and look for policies that offer extra benefits like coverage abroad or rewards for missing cats
The breed of your cat can impact insurance costs, with pedigree cats often being more expensive to insure due to hereditary diseases, while mixed breeds are generally cheaper to insure
Insurers will also want to know about your cat’s past behaviour and medical history, including any conditions they’ve had, whether they’re neutered, and their vaccination status
What should I look for in a cat insurance policy?
If you're a cat owner, you know that your furry friend is more than just a pet; they're a part of the family. Ensuring their well-being is paramount, but with so many cat insurance options available, making the right choice can be difficult. Let's look into the factors you should consider when selecting the purr-fect insurance for your feline companion.
Factors to consider
The age of your cat
When it comes to insuring your cat, age isn't just a number. It's a critical factor that influences both eligibility and cost. Generally, younger cats will benefit from lower insurance rates, while older cats may face higher premiums or may not be eligible for coverage at all. Some providers might put an age limit on the cats they’ll insure, so it's essential to check this before you commit.
Cost of the policy
While it's tempting to opt for the cheapest policy on the shelf, it's crucial to consider what you're getting for your money. A policy with a rock-bottom price tag might not offer the comprehensive coverage your cat needs. It would be wise to weigh the benefits against the cost. Sometimes, paying a little more upfront can save you a lot in the long run, especially if your cat requires extensive veterinary care.
Limits on cover
Insurance policies come with fine print that you should examine with a magnifying glass. Look for any limits on cover, such as waiting periods before the policy takes effect or caps on how much you can claim. This will help you avoid unpleasant surprises when you need to make a claim.
Policy details
Don't overlook the details that could make a significant difference. Some policies offer additional benefits like coverage for your cat while you're abroad or rewards for missing cats. Look out for additional perks that could be beneficial for your specific situation.
The types of cat insurance compared
Lifetime
Think of lifetime policies as the deluxe package in the world of cat insurance. They typically renew the claim limits annually, making them an excellent choice for managing chronic conditions. It typically covers your cat for life, as long as you renew the policy each year.
Per condition
If you're looking for a more wallet-friendly option, per-condition policies might be the way to go. They come with a set claim limit for each condition, but once that limit is reached, that particular ailment is no longer covered. These policies are often more affordable, but it's important to understand their limitations.
Time-limited
Time-limited policies are a fit for short-term illnesses, offering coverage for up to 12 months. After the specified period, any ongoing treatment costs will need to be covered out of pocket. Time-limited pet insurance is usually suitable for short-term illnesses and can be a cost-effective option.
Accident only
For those on a tight budget, accident-only policies might seem appealing. They're the most basic and generally the cheapest, covering injuries but not illnesses. However, this option can be risky if your cat falls ill. The most basic and generally the cheapest form of cat insurance is accident only, but it leaves a lot uncovered.
Policy type | Average monthly pricing | Monthly price from |
|---|---|---|
Accident only | £3.01 | £3.01 |
Lifetime | £7.65 | £4.40 |
Max benefit | £8.68 | £4.62 |
Time limited | £7.91 | £4.04 |
For more pet insurance pricing information, visit our dedicated pet insurance statistics page.
Is cat insurance worth it?
The question of whether cat insurance is worth the investment is a common one among pet owners. The truth is, that accidents and illnesses are unpredictable, and vet bills can quickly escalate, especially for chronic or serious conditions. But with the right pet insurance policy, your insurer will take care of the bills, allowing you to focus on your cat's recovery.
How can I find cheaper cat insurance?
Compare prices online
One of the most effective ways to find affordable cat insurance is to compare prices online. Using a price comparison service like MoneySuperMarket can give you a clear view of what different providers offer. It’s easy to see what you’re getting for your premiums when you compare quotes side by side.
Keep your cat healthy
It goes without saying that healthier cats are less likely to need medical treatment, which can lead to fewer claims and better insurance rates. Regular check-ups, a balanced diet, and plenty of exercises can keep your cat in tip-top shape.
Choose your breed
The breed of your cat can also impact your insurance costs. Pedigree cats are often more expensive to insure due to their susceptibility to hereditary diseases. On the other hand, mixed breeds are generally hardier and can be cheaper to insure. Pedigree cats are often more expensive to insure, so consider this if you're looking for a new feline friend.
Breed | Monthly average price | Monthly price from |
|---|---|---|
Bengal | £9.18 | £4.81 |
Birman | £10.56 | £4.85 |
British shorthair | £7.75 | £4.26 |
Maine coon | £11.44 | £5.52 |
Persian | £7.79 | £4.41 |
Ragdoll | £8.14 | £4.34 |
Russian blue | £10.92 | £5.09 |
Siamese | £8.19 | £4.34 |
For more pet insurance pricing information, visit our dedicated pet insurance statistics page.
What do I need to get a cat insurance quote?
Your cat’s details
When you're ready to get a quote, you'll need to provide details about your cat's breed, age, and size. This information helps insurers assess the risk and determine your premium. When getting a quote, you'll need to provide information about your cat's breed, age, and size.
How much your cat cost
If you've purchased your cat, the cost might also play a role in your insurance premium. If you purchased your cat, its cost might affect your insurance premium.
Behaviour and medical history
Lastly, insurers will want to know about your cat's past behaviour and medical history, including any conditions they've had, whether they're neutered, and their vaccination status. Insurers will also want to know about your cat's past behaviour and medical history.
Remember, investing in a good cat insurance policy can spare you from heart-wrenching decisions and financial strain when it comes to the health and care of your beloved pet.
Ready to save on your pet insurance? Or need to know more before you get a quote? We’re here to help.
Author
Lauren Chong
Senior Commercial Manager | Vet
Dr Lauren Chong BSc BVSc PgCertVBM MRCVS is MoneySuperMarket’s pet expert with an extensive background of working across the veterinary and pet care industry for the past 12 years. She qualified as a...
