We've reviewed the latest independent research to come up with our list of the best pet insurance for cats and kittens in 2021.
Before you see the full list...
...check out our cover. We were voted the Best Pet Insurance Provider at the 2020 Insurance Choice Awards.
We have thousands of 5-star reviews and we offer up to £15,000 of cover with our Complete policy. Find out more and get a quote.
We've transformed pet insurance for cats by creating policies that are easy to understand along with cover that no one else offers, such as money back if you don't claim. Our claims are online and form free and it doesn't cost more to pay monthly. All our vet fee policies come with unlimited video calls to UK-registered vets through our partnership with FirstVet.
Best pet insurance for cats
We have received over 13,000 5-star Feefo reviews from customers in the past 12 months and our Complete policy has been rated 5 stars by an independent financial service.
How did you come up with this list of the best cat insurance?
We looked at the awards insurers have received and reviewed research on pet insurance conducted by independent financial services review firms; to find the best pet insurance for cats in the UK in terms of all-round quality - not just cost.
You can use a price comparison site like GoCompare to compare cat insurance in the UK.
Looking for dog insurance? Check out the best pet insurance for dogs.
Looking for rabbit insurance? Compare rabbit insurance.
More than one pet? See the best multi-pet insurance discounts.
Exotic pets? Check out our guide to exotic pet insurance.
Best cat insurance versus cheapest cat insurance
It’s common for cat owners who haven’t previously bought pet insurance to choose the cheapest policy available. Although this is a good way of keeping your pet insurance costs down, it can lead to bad experiences when your cat needs vet treatment and you have to claim.
When choosing pet insurance not only should you consider the cost, you should take into account the policy you’re looking at (eg. time limited, per condition, lifetime) and the level of vet fee cover (eg. £4,000, £7,000, £12,000). These will affect the price of your policy.
A time-limited policy will often be cheaper, while lifetime policies will be more expensive. With time limited you will have a limit of normally 12 months during which you can claim for an illness or condition. Once this time limit ends you can no longer claim for that illness. A lifetime policy will allow you to continue claiming for a condition for the entire lifetime of your pet.
If you have more than one cat, save money on insurance with one of the best multi cat insurance discounts on the market.
What does cat insurance cost?
The average annual premium paid for pet insurance by UK cat owners is around £150 - equating to £12.50 a month, based one year worth of data from Bought By Many cat insurance policies. But you might pay much more or less than this.
Although it's possible to insure a cat on a no-frills accident-only policy for as little as £5 a month, the cat insurance policies in our list are likely to cost between £10 and £20 per month, as they are mostly lifetime pet insurance policies.
Lifetime cat insurance (or ‘yearly limit’) covers vet fees up to the stated limit every year. This can be a good option if you worry about your pet developing a long-term or recurring illness. So long as you renew a lifetime policy each year, the level of vet fees will reset to the full stated limits that you started with.
With a lifetime product, your premiums may increase each year at renewal. Your excess or co-payment may also increase as your cat gets older.
The exact cost of a cat insurance policy will vary from cat to cat and owner to owner, depending on these factors:
- Your cat's breed. Pedigree cats are more expensive to insure than moggies.
- Your cat's age. Older pets cats typically cost more than kittens to insure.
- Your postcode. Cat insurance costs more in the parts of the UK where vet prices are highest - particularly London & South East England.
Best pet insurance for older cats
As there's more chance of senior cats needing vet treatment, many pet insurance companies won't cover cats over eight years old.
But here's a list of the companies who will insure older cats:
Is pet insurance worth it for a cat?
Pet insurance is designed to cover the cost of unexpected vet treatment; whether you feel it is worth it will depend on a number of factors.
The cost of the cover is likely to be a big consideration but it's important not to forget the cost of vet treatment if you don't have insurance.
The Association of British Insurers (ABI) says the average cost of treating a cat with diabetes in 2016 was £1,060 and the average cost of treating a tumour for a cat was £687. By 2019 the average pet insurance claim was £793 in 2019.
Cat insurance is usually cheaper than dog insurance, but it all depends on the age, breed and health of your cat.
Premiums also depend on what is included as part of your cat insurance cover. Cheap insurance may not cover the full cost of treatment, meaning you could end up paying for some of the vet fees on top of your annual or monthly premium. More comprehensive policies will cover more treatment for longer but they will cost more.
When thinking about whether pet insurance is worth it, consider the total amount you may pay towards unexpected vet fees during the life of your cat and whether cat insurance is likely to save you money.
Making sense of the results of our list of the best cat insurance policy
Lifetime pet insurance policies from household names like Animal Friends, Petplan, John Lewis Insurance, More Than and LV= are regarded as the best pet insurance policies for cats. Here's why:
- They provide a higher amount of cover for vets fees (in some cases, up to £12,000 per year) than most pet insurance policies for cats.
- There are fewer terms and conditions attached on when they will and won’t pay out for a claim. Lifetime pet insurance for cats will pay out for any medical issue up to the vet fees limit; and for the lifetime of a cat’s life (in contrast to "time-limited" policies, which stop paying out after one year)
- The cover for cats goes beyond just vet fees. They may also include cover for end of life, dentistry, cattery fees, and even cover overseas.
Lifetime cat insurance
Compare the cover levels of some of the best lifetime pet insurance policies for cats:
- Bought By Many - MoneyBack (up to £7,000 and 20% of your premium paid back if you don't need to claim in a policy year)
Reviews of UK cat insurance companies
We've reviewed most of the pet insurance companies in our list. Learn more about them in our reviews:
- MoreThan Pet Insurance Review
- John Lewis Pet Insurance Review
- Pet Plan Pet Insurance Review
- Animal Friends Pet Insurance Review
- M&S Pet Insurance Review
- Debenhams Pet Insurance Review
- PetPlan Insurance Review
- Argos Pet Insurance Review
- Sainsbury's Bank Pet Insurance Review
And here is our full list of pet insurance reviews.
We also have guides in Swedish for anyone living in Sweden who wants to find out about pet insurance in Sweden.