Cat insurance

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"Great monthly plan, covers what I need from pet insurance, self explanatory, straight forward application, no fuss."
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"A new type of insurance for me with so many different options all fully explained so I could understand the options."
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Do I need cat insurance?

Cat insurance can take some of the sting out of costly vet bills if your cat is hurt or falls sick. Allowing you to truly be there for your pet when they need you the most.

But what you might not know is that it can cover other unexpected shocks too. From cattery fees if you’re taken into hospital, to the cost of finding your pet if they go missing – there’s plenty more that cat insurance can do to turn a difficult time into a slightly easier one.

But what does it actually cover? Is it right for you? And what should you know before you dive in and buy a policy? Read on for the ins and outs, and find the best deal for you.

What does cat insurance cover?

Cat insurance policies will often cover:

  • Accident and injury to help you cover the vet bills if your cat is hurt
  • Unexpected illnesses to help you with treatment costs if your cat falls sick
  • Holiday cancellations is offered on some policies to cover the cost if you need to cancel a holiday after your pet falls ill
  • Cattery fees in case you spend more than four consecutive days in hospital. Cat insurance can cover your cattery fees
  • Liability cover to help with the costs if a third party takes legal action against you for damage caused by your cat
  • Advertising and reward if the worst happens and your cat goes missing or is stolen, the costs of finding them can be covered too

What types of cat insurance are there?

Accident only pet insurance

Accident only

Usually gives you a fixed sum to be used for treatment. Most policies will cover accidents and injuries but not illnesses, with some putting a time limit on treatment.

Limited time pet insurance

Time limited

Gives you a fixed sum to cover each illness or injury. Treatment cover is usually limited to a specified period of time, typically 12 months from the start of treatment.

Maximum benefit

Maximum benefit

Each injury or illness is allotted a set amount of treatment cover. Once this limit has been hit, any further treatment for that condition will not be covered again.

Lifetime pet insurance

Lifetime pet insurance

Gives a set amount of cover for each new condition, with the treatment limit renewing each time you renew. Good for covering treatment for long-term conditions.

How much is cat insurance?

Cat and kitten insurance start at just £4.79* a month – but there’s a few factors that can influence how much you’re likely to pay.

Breed of cat

Common housecats are the cheapest to insure as they’re less prone to specific health problems. But pedigree cats tend to be pre-disposed to certain conditions, making them a little pricier to insure. Below is a rundown of the 5 most common pedigree cat breeds in the UK, the health problems they’re disposed to, and the typical cost to insure them:

Breed Average cost**
Persian £4.93
Siamese £5.37
Maine coon £4.99
British short hair £4.81


While cat insurance for older cats is available, it’s usually a little pricier. For a rough idea, we’ve looked at the lowest monthly cost you can expect to pay for a cat of a certain age:

Age Average cost***
0-5 £4.79
6-10  £5.09
11-15 £5.46
16-20 £5.73


Vet bills can vary region to region, so depending on where you live, you could pay a little more or little less for your cat insurance. In mainland UK, Londoners pay the most for their cat insurance, with their lowest monthly cost sitting at £5.15 a month. The cheapest region is Northern Island at a wallet-friendly £4.60.

Where do you sit? Our regional breakdown looks at the cost of cat and kitten insurance across the UK:

Map of the UK highlighting prices per region

Regional data is an average of prices during April - July 2020. *Price per month for accident only cover based on a moggie, aged 2, no known medical conditions, neutered, up to date with vaccinations, microchipped and based in the SA15 2DB postcode region. Prices correct on 15/02/2021 on **Average cost of quote for specific breed of cat based on data from April to July. ***Cheapest price for a cat in certain age group based on data from April to July.

How do I cut the cost of cat insurance?

Looking to get the best priced policy for your cat or cats? There’s a few things you can do to get the best deal:


Shop around and compare providers to find the best deal. Think about the amount of cover you want, your monthly premium cost and the excess you’ll have to pay.

Do your research

Find out what policy type best suits your needs. If you’re yet to buy or adopt a cat, research which breeds are prone to costly illnesses, and look at the typical costs for a cat of a certain age. Having the information to hand can give you a better idea of what you’re likely to pay.

Keep your pet healthy

Nutrition, exercise and all the other things that go into being a responsible owner can pay off in the long run. Not only with a healthier, happier cat, but by cutting the odds of your cat developing a costly illness. Keep your cat healthy and you’re less likely to make a claim – keeping your renewal costs to a minimum.

Multi-pet insurance

Looking to insure more than one cat? Multi-pet insurance allows you to cover up to 5 pets on a single policy – cutting the overall cost of coverage. Handy for pet lovers with multiple cats and dogs.


Keeping up to date on vaccinations can protect your cat from developing nasty – not to mention costly – illnesses in the first place. Vaccinations aren’t usually covered by cat and kitten insurance, but keeping on top of them can more than pay off in the long run.


The higher the excess you can afford, the lower your premiums will be. Try to find a balance that works best for you.

What do I need to get a quote?

Before you start, you’ll need:

  • Your cat’s name
  • Your cat’s gender
  • You’ll also need your cat’s breed
  • To know if it’s been neutered or spayed
  • It's vaccination history

Having these details to hand will speed up the quote process, getting you the cover you need with minimal fuss.

Got more questions? Our FAQs could help

What isn’t covered by cat insurance?

Typically, policies won’t cover:

  • A red crossPreventative treatments like vaccinations and neutering that stop your cat falling sick in the first place
  • A red crossDental treatment or more generally, any work on your cat’s teeth
  • A red crossRoutine check-ups such as health checks and other routine vet visits
  • A red crossBehavioural problems - treatment for behavioural issues your cat or kitten may have
  • A red crossPre-existing conditions - treatment for any illness or injuries your cat already has. While a standard policy won’t cover such conditions, our pre-existing conditions cover does offer cat insurance covering already diagnosed conditions. To find out more, simply select this option when you get a quote     

Can I get cat insurance for older cats?

Yes, there’s no age limit for cat insurance, but your premiums may be higher depending on how old your cat is. Take a look at our section on cat insurance costs above for a rough idea of how much you’re likely to pay.

Do cats have to be microchipped?

Currently, cats don’t have to be microchipped under UK law. But it’s still worthwhile to get your pets chipped – if only to make finding them a little less painful if the worst happens and they go missing.

Can I get pet insurance for pre-existing conditions?

Yes, our partner Scratch & Patch offer cover for pets already diagnosed with medical conditions. Just select this policy type when you get a quote.

What is a pre-existing condition?

This is usually an illness or injury your cat has suffered prior to you taking out cat or kitten insurance. Insurers may have their own definitions of what constitutes a pre-existing condition, so it’s worth checking this out before taking out a policy.

Is pet insurance worth it for an indoor cat?

In short yes, cat insurance is a good idea - even if your furry friend won’t be venturing outdoors.

While keeping your cat indoors may protect it from obvious outdoor dangers like busy roads and injury from other animals, indoor cats are prone to their own risks too.

Obesity and diabetes from a more sedentary lifestyle can both take their toll on your cat’s health. And uniquely indoor risks like ingesting houseplants can cause issues too!

While accidents and injuries may be less common in housecats, keeping your cat indoors doesn’t protect it from illness and other health issues than can rack up a hefty vet bill.

For more information, take a look at our guide on keeping your pet safe indoors.’s Pet Insurance solution is provided by is a trading style of Investment Discounts On-Line Ltd and is authorised and regulated by the Financial Conduct Authority. Registered office; Investment Discounts On-Line Ltd, One Coleman Street, London, EC2R 5AA. Registered in England no: 04231834. is part of the Legal & General group.
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