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Cat insurance

If you're a cat lover, compare pet insurance for your feline friend here.

Don’t be left out of pocket if your family cat gets sick or is injured. Read our guide to see what your options are for pet insurance and discover ways you could save money to cover your cat.

Compare cheap pet insurance for your cat

Updated May 22nd, 2019
Name Product Maximum vet fees Offer Details
£12,500
50% off for the first 2 months
Agria Pet insurance is underwritten by Agria Försäkring and Ageas Insurance Limited.
£15,000
15% Multi Pet Discount
Bought By Many policies are based on feedback from over 40,000 pet owners.
Direct Line
Direct Line
£10,000
Get 12 months pet insurance for the price of 9 when you buy online
Introductory online discount applied over first 12 months. Discounts applied consecutively. Underwritten by U K Insurance Limited
M&S Bank Pet Insurance
M&S Bank Pet Insurance
£7,000
15% off for new online customers.
M&S pet insurance is underwritten by Royal & Sun Alliance Insurance plc.
£4,000
45% introductory discount, 10% multi pet discount
www.pet-insurance.co.uk is a trading name of The Equine and Livestock Insurance Company Limited
£8,000
10% multi-pet discount
Scratch and Patch pet insurance is underwritten by HDI Global Specialty SE.
£12,000
25% discount for purchasing a policy online for new customers
More Than pet insurance policies are underwritten by Royal & Sun Alliance Insurance plc.
£12,000
-
4Paws is underwritten by the insurance giants Aviva and Covea Insurance.

Compare up to 4 providers

Why do I need cat insurance?

Your pet cat is unlikely to cost you much to keep and they’re also known for being fiercely independent. But what do you do if your feline friend is injured in an accident or develops an illness? Despite your cat being small in size, veterinary bills can still be very expensive, especially if you have to make lots of visits. Cat insurance could offer you peace of mind should something go wrong. It can also financially protect you against a number of risks that you could face as a pet owner.

How does pet insurance for cats work?

There are two main types of pet insurance for cats. These include:

  • Lifetime cover. These policies will cover your cat for the whole of its lifetime and are generally renewed every year. Limits may apply on how much can be claimed each year. These policies may be more appealing to owners of cats that have recurring injuries or illnesses.
  • Annual cover. These policies last 12 months and will cover a cat for that period only. After that time, any injury or illness that occurred during the policy term would then be classed as a pre-existing medical condition on a future policy, even from the same pet insurer. There are likely to be limits on how much can be claimed.

What does pet insurance for cats cover?

Cover benefits will vary between each insurance provider but most policies will typically cover veterinary bills for most non-routine visits, tests or treatment of injuries.

Beyond this, an insurer may also offer optional extras that can be added to enhance cover. These can include:

  • Theft or straying cover
  • Public liability cover
  • Advertising cover if a cat is lost or stolen
  • Cattery cover if an owner is temporarily unable to look after their cat
  • Overseas cover
  • Death

What won’t my cat be covered for?

Just as you’d expect from any type of insurance policy, pet insurance for cats usually comes with a range of exclusions. The following exclusions might typically be applied to cat insurance:

  • Routine check ups, treatment or vaccinations
  • Spaying or neutering
  • Breeding or pregnancy
  • Pre-existing medical conditions
  • Treatments to prevent illnesses or conditions
  • Behavioural issues
  • Age restrictions and limits

What affects my cat insurance premium?

A number of factors can influence the cost of your cat insurance premiums, including your cat’s age, breed and health as well as your location. The type of cover you choose will also impact your premium as lifetime insurance is likely to be more expensive than an annual policy.
It’s always worth shopping around and comparing deals to find the best policy for your needs.

How can I get cheaper insurance quotes for my cat?

  • Choose a cover type that suits you. Don’t assume that the most expensive pet insurance cover is the best for your pet. Consider your options carefully against you and your older pet’s requirements to find the best pet insurance.
  • Increase excess. Deciding to pay a higher excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a pet claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if you need to claim.
  • Limit optional extras if you don’t need them. Think carefully about which, if any, optional extras you really want as adding extra protection to your pet policy will generally push the price up too.
  • Consider neutering or spaying your pet. Having your pet spayed or neutered could lower the risk of your pet having certain conditions, which could in turn lower premiums.
  • Maintain your pet’s health. Look after your pet by ensuring they are properly vaccinated and regularly wormed, enjoy a good diet with plenty of exercise.
  • Can your pet have free treatment? If you’re on means-tested benefits, your pet may be entitled to emergency free treatments so it’s always worth checking if this applies to you.
  • Multi-pet discounts. If your home is full of pets, consider insuring them under one policy as you may benefit from discounts.
  • Shop around. Don’t simply choose to renew your pet insurance when it’s up for renewal as you could end up paying more than you need. Shop around and compare your options to find the best deal. Keep in mind that the cheapest policy isn’t always the best policy so check the cover details carefully.

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Frequently asked questions


*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products finder.com has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms “Best”, “Top”, “Cheap” including variations, are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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