Lifetime cover
Protects your pet for life, as long as the policy is renewed each year.
Average cost: £7.65
Cat insurance
Compare cat insurance quotes.
Complete a purchase and earn a £10 reward with super save club logo
What is cat insurance?
Pet insurance for cats offers financial protection to cat owners.
It can cover costs in the following situations:
Your cat is ill or injured
Your cat is lost or stolen
Your cat needs to be put down
Do I need pet insurance for cats?
Pet insurance is not a legal requirement in the UK. But without it you could be responsible for some very big bills if your cat develops a chronic condition or needs surgery.
As well as adult cats, you can get cat insurance for:
How much is cat insurance?
How much is cat insurance?
£8^ a month
This is the current average price paid by MoneySuperMarket customers.
How much is kitten insurance?
£6
.92^ a month
This is the current average price paid by MoneySuperMarket customers.
What impacts the price of cat insurance?
Insurers set their prices based on risk. The more likely they think you are to claim, or the more expensive it would be for them if you did claim, the higher your price is likely to be.
The key factors pet insurers will look at are:
Age
Breed
Medical history
Policy type
Where you live
Breed | Average Monthly Price |
|---|---|
Ragdoll | £8.14 |
British shorthair | £6.57 |
Bengal | £9.18 |
Maine coon | £11.44 |
Siamese | £8.19 |
Persian | £7.79 |
Is it worth taking out pet insurance for cats?
The cost of fixing insurable issues yourself is usually significantly more expensive than taking out insurance.
Average cost of cat insurance per year
£98
.16^
From prices paid by our customers
Average pet insurance claim
£668^
According to the Association of British Insurers (ABI)
Average cost of fractured femur
£8,000^
According to the Association of British Insurers (ABI)
How can I make my cat insurance cheaper?
Compare quotes
Shopping around is the best way to find a deal the suits your needs and budget.
MoneySuperMarket can do the hard work for you. With our price comparison tool you can compare quotes from 37
Chose an accident-only policy
The type of pet insurance you choose will impact the price of your policy.
Accident-only pet insurance policies are usually the cheapest. The downside is they also provide the least amount of cover.
Increase your excess
The excess is the amount of money you pay before the insurance covers the rest.
The higher the excess, the lower your premiums can be. The downside is that it makes claims less affordable.
Insure multiple pets under one policy
If you have other animals you can insure them all together under a multi-pet policy, which can be cheaper than individual policies.
Remove extra policy features
Pet insurance policies often offer optional extras, such as cover for marketing and rewards if your animal is lost, or cover for dental treatments.
Adding these will give you better protection, but make your policy more expensive.
Spay, neuter, worm and vaccinate your cat
Keeping your cat in tip-top health is good for them and your insurance premiums. Insurers often offer a discount if your cat is up to date with all its recommended treatments.
Our expert says…
When asked to describe their relationship to their cat, owners are more likely to describe themselves as a "parent", "companion" or "friend" than a pet owner, according to a 2025 YouGov survey. But over a quarter say cats are also a financial burden.
While almost three-fifths of owners give their cat gifts, the biggest expenses is likely to come from vet bills, which can run to thousands of pounds. An investment in pet insurance may save you a lot of money - whether you spend the extra cash on more pet presents is up to you.
Lauren Chong Pet Insurance Expert
What are the different types of cat insurance?
💡 Top tip: Lifetime cover is the most popular type of pet insurance for cats.
-
^ -
Maximum benefit
Sets limits on how much you can claim for any given illness or injury.
Average cost: £8.68
^ -
Time limited cover
Covers your pet for a specific period of time (usually 12 months).
Average cost: £7.91
^ -
Accident only cover
Only covers your pet for accidents, not illnesses.
Average cost: £3.01
^
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What does cat insurance cover?
Cover varies by provider and policy, so always check your insurance documents.
-
Typically covered
✔ Vet bills e.g. medicines, therapies and prescriptions
✔ Hospital visits
✔ Diagnosing illnesses e.g. consultations, X-rays, MRIs
✔ Alternative therapies e.g. hydrotherapy or acupuncture
✔ Euthanasia
✔ Lost and stolen pets e.g. advertising, rewards, cost of animal
✔ Third party liability cover e.g. your dog harms someone or their property
✔ Emergency boarding fees e.g. while you are hospitalised
-
Not typically covered
✖ Routine care e.g. pet vaccinations, boosters, regular check-ups
✖ Routine dental treatment including routine check-ups
✖ Fleas and worming
✖ Elective or cosmetic treatments
✖ Cremation and burial
✖ Unvaccinated or unmicrochipped animals
Frequently Asked Questions
Does cat insurance cover vaccinations?
No, cat insurance does not usually cover vaccinations. You must pay out of pocket.
Cat typically have two rounds of vaccinations against a range of illnesses when they are kittens. The first dose is usually at about eight-nine weeks old, and the second dose is given three-four weeks later.
Annual boosters are required for some diseases.
Do you need to insure an indoor cat?
There's no legal requirement to have any sort of pet insurance. However, insuring your indoor cat is a good idea.
While they may be safe from some accidents like being hit by a car, they can still be injured while inside your home, and develop chronic illnesses that are expensive to treat.
Is it illegal to not microchip my cat?
Yes. Since June 2024, pet owners are legally required to microchip all cats that are over 20 weeks old. There is a £500 fine for owners who don’t comply.
A microchip is a tiny electronic chip which is permanently implanted under your cat's skin. The procedure doesn’t hurt your cat. The chip links your dog to you and your address - in case your pet is lost or stolen.
All details are held on a database. If you need to change the contact detail on the database, for example because you've moved house, there could be additional fees. These costs aren’t usually covered under cat insurance.
Is it illegal to not vaccinate my cat?
No, there is no legal requirement to vaccinate your cat.
But you may find it harder or more expensive to get pet insurance if your cat's shots are not up to date.
Can I get cat insurance quotes for pre-existing conditions?
Yes. You can cover most pre-existing conditions if you take out specialist pet insurance. These policies will almost certainly be pricier than standard policies.
Average cost of pre-existing condition pet insurance
£12
.88^ a month
What do I need to get a cat insurance quote?
You’ll need the following to get a quote:
✓ Pet’s age
✓ Pet's breed or size
✓ Pet's health
✓ If they have been neutered/spayed
✓ Price you paid for them
✓ Behavioural history
✓ Medical history
Animal Friends
-
Monthly Cost
£4.79
-
Third Party Liability Cover
£2m
-
Vet Fee Limit
£1,000 each year
-
Annual Policy Limit
£1,000
Great for
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Third party liability cover
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Cover if pet is lost or stolen
-
Illness or accidental death cover
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If you need a vet advice service
But be aware that
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Legal advice not covered
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No bereavement counselling cover
-
No cover for pre-existing medical conditions
Why compare cat insurance quotes with MoneySuperMarket?
-
We're trusted
All our insurance providers are authorised and regulated by the Financial Conduct Authority (FCA).
-
Rated 4.9/5 on Feefo
We're also the UK's most recommended price comparison website
^ . -
Quick and easy
Give us a few details and we'll show you multiple quotes in minutes, saving you time and effort.
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Does location affect the cost of cat insurance?
Yes, where you live can affect the cost your cat insurance. This is because your premium is influenced by how much vet fees cost in your area.
If you live in a more expensive part of the UK such as the South East of England, your pet insurance may be pricier than if you lived further north.
Does my cat's breed impact my insurance premiums?
Yes, your cat's breed will affect the cost of your cat insurance.
Although there is less variation in price between cat breeds than dog breeds, you will generally pay more if you have a pedigree cat, because they are more prone to health conditions than moggies.
Moggies - Average Monthly Price | Pedigrees - Average Monthly Price |
|---|---|
£7.20 | £8.68 |
How much cat insurance cover do I need?
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.
Can I get multi cat insurance?
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.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is pet insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy pet insurance through MoneySuperMarket.
This includes:
Up to £10, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions (you must download our app to get this)
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is pet insurance eligible for Price Promise?
Yes, pet insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 9 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Accurate as of 01 December 2025.
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
ABI data 2023
ABI data 2022. Average cost of treating a fractured femur in pedigree cat.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
Based on the 51 percentile of monthly premiums our customers were quoted less than £8 per month for cat insurance based on quotes created on MoneySuperMarket in the month of November 2025 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions
Based on the 51 percentile of monthly premiums our customers were quoted less than £6.92 per month for kitten insurance based on quotes created on MoneySuperMarket in the month of November 2025 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions and was less than 1 year old.
Based on the 51st percentile of annual premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote and was more than 1 year old.
Based on the 51 percentile of monthly premiums our customers were quoted less than £12.88 for pet insurance based on quotes created on MoneySuperMarket in the month of April 2024 where only 1 pet was included in the quote and the pet did have a pre-existing medical conditions