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Cat insurance

Compare pet insurance for your cat

  • Find quality insurance for you cat
  • Peace of mind if they have an accident or fall unwell
  • Compare across multiple providers

Why do I need cat insurance?

Should your cat fall unwell or have an accident, cat insurance can reassure you that emergency veterinary treatment is taken care of. We understand that your cat falling unwell can be upsetting, but cat insurance helps take away the worry of needing to fork out for veterinary treatment. So, all that's left for you to focus on is your cat getting better. 

Without cat insurance, vet bills can be very expensive and catch you out if your cat falls unwell unexpectedly. 


What are the different types of cat insurance?

There are different types of cat insurance available, including:

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    Time limited

    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. 

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    Accident only

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

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    Per condition

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

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    Lifetime cover is more expensive than others, and can cover any chronic or recurring condition over the course of your cat's life

What’s covered by cat insurance?

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    Vet fees

    Depending on what type of policy you have, how vet fees are settled will vary. 

    The maximum amount of cover you get will differ between policy providers

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    If your cat is injured, your policy can help cover the costs of veterinary treatment. If you have accident only insurance, your cat can be covered for unexpected injury  

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    Advertising and recovery costs

    If your cat goes wandering off and ends up missing, you can be covered for the cost of advertising your lost feline, and the cost of a reward for their recovery

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    Routine check-ups

    It's unlikely that your cat insurance policy will cover routine check-ups and appointments. Neutering and vaccinations also fall under this, so you won't be able to claim for these routine trips to the vet 

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    Preventative treatments

    Preventative treatments like vaccinations aren't covered with standard cat insurance policies, so you will have to pay to get your cat fully protected

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    Behavioural problems

    Cats and kittens tend to have fewer behavioural problems than dogs and puppies, so most insurance policies won’t cover treatment for things like aggression

How much is cat insurance?

There's a variety of factors that will affect your cat insurance premium, including:

  • Breed of cat: The breed of cat you have can affect the price of your insurance. This is often because they can be more prone to illness, so insurers consider certain breeds higher risk and may raise your premium as a result 
  • Policy type: The policy type you choose will affect your premium. Accident only cover is generally cheaper than lifetime cover, for example
  • Your cat’s age: The older your cat is when you buy your cat insurance, the higher the premium will usually be. This is because insurers see older cats having more health problems than a new kitten. For cats under 1 years old, the average annual premium is £234.03, compared to cats over 5 having an average annual premium of £457.451
1 According to Stickee data, correct as of September 2020


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What do I need to get a cat insurance quote?

You'll need to the following information when getting your cat insurance quote, so we can find the right cover for your needs

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    Your cat’s details

    We'll need to know you cat's age, breed and size as these factors can affect its risk level and your likelihood of claiming

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    How much your cat costs

    You'll need to let us know how much you paid for your cat (if you bought it, rather than adopting)

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    Behaviour and medical history

    We'll need to know if your cat has been neutered and what vaccinations it has (or hasn't) had 

Compare policies and deals from the leading pet insurance brands

We compare over 20+ pet insurance brands to bring you the best deals

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Rose Howarth

Our expert says

"Cat insurance is there to give you peace of mind when looking after your furry friend. After all, cats can be a big part of your family, and it can be upsetting when they fall unwell and need veterinary treatment. We'll help you find the right cat insurance for you and your cat's needs. For long-term peace of mind, a lifetime policy can renew each year for the rest of its life. So you have less to worry about and can focus on the most important thing - your cat feeling better again."

- Rose Howarth, head of niche insurance

Can I get cover if my cat has pre-existing medical conditions? 

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.


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What add-ons are available for cat insurance?

Cat insurance can cover things other than just vet fees. Your policy may also extend to cover things like:

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    Boarding fees

    The policy might meet the cost of boarding your cat if you need to go into hospital, or are incapable of looking after it through no fault of your own

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    Cancellation cover

    You might also be covered for any losses you incur after needing to cancel your holiday because your cat is ill or injured

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    Straying/theft cover

    The policy might pay compensation if your cat is lost or stolen. There could also be a contribution towards a finder's reward

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    The policy might pay a cash sum if your cat is killed in an accident (but not if it dies of an illness or old age/natural causes)

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    Overseas cover

    Some policies can be extended to provide cover if you take your cat overseas

How to get cheaper cat insurance

While cheaper doesn't always mean better, there are a few ways you can bring down the cost of your cat insurance: 

  • Choose your breed wisely

    If you're still looking for the purr-fect cat for you, it may be wise to factor in how much breeds can affect the cost of your pet insurance. Torn between a moggy and a pedigree? Pedigrees are likely to be a lot more expensive to insure, because of their risk of illnesses

  • Keep your cat healthy

    Vaccinations and annual boosters, feeding them a healthy diet, worming them regularly, protecting them against fleas and taking care of their dental health, can all play a part in your cat's health. Keeping your cat in good health means you may be less likely to claim, and your premium may be reduced as a result

  • Comparing cat insurance quotes

    Getting a quote with MoneySuperMarket will compare the different cat insurance options for you, so you can save money in a few minutes

  • Check if you're entitled to free treatment

    You may not always need to claim on your insurance when your cat needs veterinary treatment. Charities like the PDSA supports sick of injured animals if their owners are on means-tested benefits

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. 

Ready to save on your pet insurance? Or need to know more before you get a quote? We’re here to help.

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