Cat insurance

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. 

The most expensive cat breed to insure is a Burmese Blue Point at £997.06 per year, in comparison to Burmese Brown Tortoiseshell costing £87.65 a year.* With this in mind, choosing whether to have a moggy as your new pet may be a cheaper option than a rare pedigree breed!

*According to Stickee data, correct as of September 2020

If you're bringing a new kitten home, you can get pet insurance for your kitten. Kitten insurance can work as a helping hand should your kitten be affected by illness or injury and need veterinary treatment to get them back on their paws.

Investing in kitten insurance can help cover the costs of an unexpected trip to the vet, as well as covering the costs of advertising if your kitten was ever lost or stolen. 

You can get insurance for your older cat, just let us know how old your cat is when you get your quote. The age of your cat may affect your premium, as the older your pet, the higher risk they are,  which may affect the likelihood of you needing to claim.

Lifetime pet insurance can cover your cat and any chronic or recurring condition over the course of its life, which can be take away the need to renew your pet insurance in the future. 

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. Lifetime cover 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 only, accident only cover can be a more affordable option. But do keep in mind 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 its vaccinations.

You can get multi cat insurance, and it can be 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. 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.