The providers shown above are promoted picks, which means they’ve been chosen from among the partners we work with and are based on factors that include special features or offers and the commission we receive. Further down the page in our table, you can compare the full range of providers we cover on our site. Keep in mind that our promoted picks may not always be the best cat insurance provider for you – it’s important to compare for yourself and find a provider that works for your situation.
Cat insurance is designed to cover your pet if it’s injured in an accident or if it becomes ill for some reason. Lots of insurers offer it and you can choose a policy based on the level of cover you require.
Last year there were 992,000 pet insurance claims and of these 211,000 were for cats, while 749,000 were for dogs. The average value of a payout was £822, while the cost of the average premium was £271, according to the Association of British Insurers (ABI).
When you buy cat insurance it’s important to tell an insurer about any pre-existing conditions your cat may have. This is because it may not be able to cover these, but could sell you a policy which covers everything else that could happen.
Below you’ll find some of the best pet insurance providers for cats in the UK and some tips on how to find the right policy for you.
As a specialist pet insurer, Animal Friends has sold insurance for cats for the past 20 years. It has several different tiers of cover available, with vet fees of up to £6,000 included annually for every condition your cat needs treatment for. You can also access video consultations with a vet around the clock, your vet can make the claim for you, and it supports a number of animal charities.
Customers cited value for money and simple claims process.
Several customers mentioned prices creeping up each year.
The pet insurance for cats policy from Bought by Many covers your cat's vet fees to up to £15,000, depending on the level of cover you choose. There are several different options and the most basic provides up to £3,000 of cover for vet fees. Customers have access to video consultations with a vet around the clock and it has a zero excess option for pets under the age of nine.
Pre-existing cover. You are able to get cover for pets which have recent pre-existing conditions, unlike many other providers.
Bought By Many's unique service allows it to negotiate group discounts.
Premium freezes. Your premium will never increase if you are on the Fixed for Life policy.
Complicated. Bought By Many's website can be quite confusing. It's hard to find information and it doesn't explain the platform very concisely.
Old pets cost more. If your cat or dog is over nine years old, the no-excess option isn't available to you and you'll have to pay 20% of any claim.
There are two options of cover to choose from if you buy insurance for your cat from Direct Line. The basic policy includes cover for up to £4,000 and the price of premiums starts at £6.50 per month. Or you could choose the premium policy, covering vet fees worth up to £8,000, starting at £10.50 per month. It also currently has an introductory offer of 12 months for the price of 9.
Online discount offered to new customers.
Up to 12.5% discount for insuring more than one pet under one policy for the first year.
A range of optional extras available for increased pet protection.
Only two cover levels offered.
No policies cover pre-existing medical conditions.
You have three options to choose from with M&S Bank when it comes to insuring your cat. The most basic level has a limit of £3,000 for vet fees while the premium level has a limit of £7,000. You also get access to a vet over the phone at any time with this policy. There's a 5% discount for insuring more than one pet, and a 15% discount online right now.
89% of pet insurance customers in our 2020 customer satisfaction survey would recommend it to a friend.
Insurance from More Than is underwritten by Royal & Sun Alliance Insurance plc. You can choose from different levels of cover and if you're insuring more than one cat, there is a multi-pet discount of 10% for any additional cats you add to the policy. It also currently has a 25% discount for pet insurance policies if you buy direct, although it's always worth seeing what offers are available if you buy through a comparison or cashback website too.
More Than has four types of cover to suit a range of budgets and requirements.
More Than offers new customers 25% discount for purchasing a pet insurance policy online.
Existing customers can get 10% discount for each additional pet added to a policy.
More Than pet insurance is only suitable for dogs and cats.
More Than does not have an online account area for existing pet insurance policyholders.
If you choose to buy cat insurance from Petplan, there are two options available. A lifetime policy, which covers your cat for vet fees of up to £12,000 depending on the level of cover you choose. This will cover them for their entire lives, including any new conditions they develop. Or you can pick a yearly policy, which provides up to £3,000 towards vet fees.
Multi-pet discount when you insure more than one pet.
Four cover levels available for cats and dogs.
Access to a pet bereavement helpline with all cover levels.
No policies that provide cover for pre-existing conditions.
Healthy Pets. As a specialist pet insurer, Healthy Pets has lots of options when it comes to buying a policy. There are seven different cover levels and vet fees are included up to £7,500, depending on which level you choose. It claims to be one of the cheapest providers on the market, but it’s always worth comparing prices to make sure you’re paying the right amount for you.
Waggel. As a relatively new insurer to the market, Waggel says it’s all about making insurance simple and enjoyable. It has a fully-digital claims process and its lifetime policy provides up to £12,000 of cover, depending on the level you opt for. It also makes a yearly donation to a number of pet charities.
How to find the best pet insurance for cats
If you’re buying insurance for your cat it’s because you want the peace of mind of knowing they’ll be covered in case something happens to them. The following steps will help you to find a policy which meets your needs and provides value for money.
Do you really need insurance for your cat? If something were to happen to your cat, such as it being injured in an accident or developing an illness, could you find the money to pay for its treatment? This might be for a one-off cost if it needs surgery or potentially for medicine for the rest of its life. If you have the income to pay for its vet fees, or you have savings you could comfortably use, you probably don’t need to buy an insurance policy. However, if you’d struggle to meet these costs insurance can be a good way to cover them.
What kind of cover do you need? When you buy cat insurance, there are not only different insurers to pick from but also different levels of cover. The most comprehensive policies which usually provide cover for your pet’s life will be the most expensive. Think about what level of cover you’re happy with and look at what’s included.
Do they have pre-existing conditions? If your cat has been treated for a condition in the past, this condition is unlikely to be covered on a new pet insurance policy. You may be able to buy one still that excludes this specific condition but always check with the insurer before you buy.
A larger excess might mean small payments. If you agree to pay a bigger excess (the money you pay if you make a claim), this could reduce the amount you pay monthly (whether you pay monthly or annually). However, you need to make sure you could afford the excess if you needed to claim.
Compare different policies and insurers. As there are lots of options, it’s worth taking your time to compare different policies and different insurers to make sure you’re getting the best policy for you and your pet.
The best pet insurance for cats policy for you will depend on the level of cover you want for your cat. You may choose accident only, which is usually the cheapest, or you might want lifetime cover which protects your pet for their entire lives.
Whatever policy you go for, it’s important to read the small print so you know exactly what you’re covered for. The last thing you want is to buy a policy you then can’t use so pay attention to specific limits, both for set illnesses or injuries and annual limits, to make sure the policy provides you with enough cover.
Frequently asked questions
There’s no legal requirement to buy insurance if you have a pet cat. It’s your decision to make if you want to have a policy which you can use if your cat is injured or becomes ill.
When an insurer gives you a quote it will look at lots of different factors. These not only include the breed, age and health of your cat but also where you live. The average pet insurance policy was £271 last year, according to the ABI, but you may pay less or more depending on your circumstances.
As indoor cats don’t go outside, there’s less risk of them being involved in some accidents. However, they still may get ill, or have an accident inside the house. According to the insurer Petplan, for example, 90% of claims are for illnesses, not accidents. Therefore it’s worth weighing up all the options before you decide if you need insurance or not.
Most pet insurance policies won’t cover your cat if they have pre-existing conditions. While you can probably still buy a new policy, any conditions which have been treated previously are usually excluded.
There are lots of different insurers providing cat insurance. We’ve listed some of the best above for you to compare. You could also look at customer reviews, such as those on Trust Pilot, and on social media to see what people are saying about the insurers you are comparing.
Danny is a publisher at Finder specialising in car, life, home, business and pet insurance. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC.
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