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Cat insurance

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  • Protect your cat for less than £5.84 per month

  • Compare tailored quotes from 38 trusted UK insurers

  • Unlimited access to free days out when buy pet insurance²

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Why do I need to insure my cat?

Your cat may have quick reflexes, but accidents happen and so do illnesses. Cats can be quite inquisitive which makes them very prone to accidents that can end up being quite pricey at the vet.

According to Association of British Insurers (ABI), a fractured femur for a pedigree cat can cost over £8,000.

While you are not legally required to get cat or kitten insurance in the UK, small monthly payments can save pet owners hundreds (sometimes thousands) after one unfortunate event.

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How much is cat insurance?

The average premium for a cat insurance policy through MoneySuperMarket is £5.84 per month2. However, there are a few factors that will affect the price for you including:

  • Your location

  • The age of your cat

  • The breed of your cat 

  • Your cat's medical history 

  • The type of policy you choose

 Breed

Average Monthly premium

Ragdoll

£6.01

British shorthair

£6.74

Bengal

£7.80

Maine coon

£8.09

Siamese

£7.15

Average monthly premiums by dog breed according to MoneySuperMarket data from May 2023

251% of our customers were quoted less than £5.84 per month in February 2023 for their cat insurance based on the monthly cost when paying for the policy in one annual payment, excluding any interest charged on instalment payments.
3Average monthly premiums by cat breed according to MoneySuperMarket data from February 2023.

Example quote when comparing cat insurance

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Animal Friends

  • Monthly Cost

    £4.79

  • Third Party Liability Cover

    £2m

  • Vet Fee Limit

    Up to a total limit of £1,000 for all conditions each year

  • Annual Policy Limit

    £1,000


Great for

  • Third party liability cover
  • Cover if pet is lost or stolen
  • Illness or accidental death cover
  • If you need a vet advice service

But be aware that

  • Legal advice not covered
  • No bereavement counselling cover
  • No cover for pre-existing medical conditions

This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.

Different types of cat insurance policies

When it comes to cat insurance there are several levels of cover you can choose from. What you decide to go for depends entirely on your circumstances and what works for you and your pet. We’ve listed the different types of cover below:

  • 1

    Time limited

    A time-limited pet insurance policy covers your cat for a specific time, usually 12 months. Ideal if you want to cover a condition for a year, and pay the rest yourself. 

  • 2

    Accident only

    Accident only vet bills (for things like MRI scans and operations.) This won’t cover your pet for veterinary treatment due to illness or disease

  • 3

    Per condition

    Per condition cover, also known as maximum benefit pet cover, allocates a fixed sum of money to treat each illness or injury

  • 4

    Lifetime

    A lifetime policy is more expensive than others and can cover any chronic or recurring condition throughout your cat's life

What is covered by cat insurance?

Treating a cat can be expensive and while your insurance can cover a lot of those expenses, it's important to know what is covered with your pet insurance and what exclusions are applied to your policy:

  • Tick

    Covered

    • Vet fees - If your cat has had an accident or needs a diagnostic appointment for an illness, your insurance policy should cover those costs

    • Advertising and recovery costs - If your pet gets lost or stolen, your insurance policy will usually cover the costs of recovering your pet

    • Cattery and kennel fees - In certain emergencies mentioned in your policy, your policy can cover kennel fees up to a specified amount

    • Third-party liability - If your pet injures someone or damages someone else’s property your policy can cover any compensation you may be liable to pay

  • Cross

    Not covered

    • Routine check-ups - Routine check-ups including dental care are often not covered in a standard policy

    • Preventative treatments  - This includes neutering, flea treatments, worming and vaccinations

    • Behavioural problems - Any issues that arise due to existing behavioural problems (e.g. aggression) can result in a claim being invalidated

    • Pregnancies - Pregnancies and breeding complications are not covered under a standard policy

What should I consider when choosing cat insurance?

There are a few considerations before applying for your cat insurance policy. These include:

  • Tick

    The type of pet insurance

    Choose from accident only, time limited, per condition, or lifetime cover to find the best cover type to suit your needs and budget

  • Tick

    Whether you have other pets

    If you have any other pets you want to insure at the same time, a multi-pet policy might be better

  • Tick

    Excess

    This is the amount of money you pay before the insurance covers the rest. Some providers charge a flat fee while others may work on a percentage of costs

  • Tick

    Extra policy features

    Options can vary from paying for marketing and rewards should your cat go missing, to covering the cost of dental treatments

Compare insurance for cats of all ages

It's great to get your insurance in place as early as possible to give you peace of mind and protect yourself and your cat further down the line. Even if you have an old cat, the vet can still send you hefty bills when they get sick or injured – that’s when your insurance saves you. 

  • Kitten insurance

    It is important to insure your kitten while they are young before they develop any medical issues. This means your insurance will usually be cheaper than insuring an older cat and if your cat does develop any issues, they will be covered from the start.

  • Older cats

    You are still able to insure your old cat. Having an older cat can often mean higher vet bills and often more health issues, which is when your insurance will cover you. However, your premiums are likely to be slightly higher because of the greater likelihood of health issues,

What do I need to get a cat insurance quote?

Getting a valid cat insurance quote with MoneySuperMarket is simple. You need to provide us with some information about you and your pet so we can generate the right policy for you at our most competitive prices. The information we need includes:

  • Your cat's age and breed

  • All vaccinations you're up to date with

  • Whether your cat has been neutered or microchipped

  • What type of cover you would prefer

  • Your address and contact details

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Kate Hughes

Our expert says

"

Cats always seem to be among the more self-sufficient of our pets, but don’t let that lull you into a false sense of security.

As with any pet insurance, bringing a new creature into your home is the time to weigh up the potential costs of treatment – which can be surprisingly high – versus the cost of your premiums and making a proactive decision about insuring your kitty. Most people don’t realise that like other kinds of cover, your circumstances will affect the cost, so shopping around is as important as ever.

"
- Kate Hughes, Money & Savings Expert

How to choose the best insurance for your cat?

We all love saving money, but the cheapest insurance isn’t always the best for you or your cat and may end up being more costly for you in the long run. Want to find a great value policy specifically tailored to you? Here’s what to consider:

  • 1

    Decide the cover your cat needs

    You need to pick the right policy that specifically meet your cat's needs. If you have an old cat or one with pre-existing conditions, then a comprehensive policy may not be worth the cost. 

  • 2

    How much excess you're willing to pay

    If you agree to pay a certain amount of your vet bills, you can reduce the cost of your policy.

  • 3

    Compare between leading pet insurance providers

    As soon as you give us your information, we will generate the best deals we have with policies tailored to suit you. 

  • 4

    Optional add-ons

    Most providers will allow you to choose optional add-ons to your policy including dental cover.

  • 5

    Pay annually instead of monthly

    It is often cheaper for you if you pay for your pet insurance annually rather than monthly.

  • 6

    There's better options out there  

    Even when you have a great policy in place, over time you may be able to switch to a better deal with a different provider, which is why it is always wroth comparing different deals with a range of leading UK pet insurance providers with MoneySuperMarket.  

MoneySuperMarket makes it easy to compare quotes on pet insurance

  • Save time

    MoneySuperMarket makes it easy to compare policies from a huge panel of pet insurance providers saving you the time and hassle of researching each provider individually

  • Save money

    Quotes are sorted from the least expensive, so you can quickly find a pet insurance deal that fits your needs and budget, and save money on your insurance premium.

  • Get tailored quotes

    With a wide range of policy options, you can find pet insurance that meets your unique needs and provides the coverage you need for you and your pet.

Compare cat insurance deals with MoneySuperMarket

Our comparison tools are quick and easy to use. In just a few steps you can get accurate quotes for policies tailored to you and your pet. 

  • Tell us about your cat

    Give us a few details about your pet and the type of cover you’re looking for 

  • We’ll do the work  

    We’ll put together a list of providers with appropriate cover for your specific needs 

  • You’re on your way  

    Pick the policy that is perfect for you and your pet

Where you live can affect the cost your cat insurance, as your premium is calculated by how much vet fees cost in your area.

If you live in the South East of England, your pet insurance may be pricier than if you lived further North. This is because veterinary costs can be more expensive depending on where you live. 

Your cat's breed will affect the cost of your cat insurance. This is because pedigree cats are more prone to health conditions than moggies, and your insurer is likely to increase your premium as a result of this.

You can get specialist pet insurance for your cat if they have a pre-existing medical condition. This type of policy is designed for those whose pets already have a medical condition before they take out an insurance policy. 

While you'll be able to take our standard pet insurance if your cat has a pre-existing injury or condition, it's unlikely that your insurer will cover veterinary treatment for that particular condition - as there's a risk that the condition may flare up again.

With this in mind, if you want to cover veterinary treatment for your cat's health condition, you'll need to get specialist pet insurance for pre-existing medical conditions.

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. 

Cat insurance won't cover vaccinations - in fact, it's often a condition of most cat insurance policies that you keep them up-to-date with all their vaccinations.

You can get multi-cat insurance, and it can be an easier way to manage your insurance. If you have more than one cat and choose a multi-pet insurance plan, you only have to correspond with one insurer and will only have one renewal date and one set of documents. Often, insurers offer discounts if you cover more than one pet on your policy. Multi-pet discounts can vary between 5% and 10%, while others give you £12 off your policy a year, for each extra pet you choose to cover. 

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.