We've reviewed the latest independent research to come up with our list of the Best Pet Insurance for Cats and Kittens in 2018.
- More Than - Classic or Premier
- Tesco Bank - Premier
- Direct Line - Advanced Cover
- Petplan - Ultimate
- John Lewis Finance Pet Insurance - Plus or Premier
- LV= - Premier
- Animal Friends - Prestige
- John Lewis Finance Pet Insurance - Essential
- M&S Bank - Premier
- Sainsburys Bank - Premier Plus
****Update***. We've launched our own unique pet insurance policies for cats and dogs! You can choose between policies for kittens that never increase in price, offer money back if you do not claim, cover pre-existing conditions and more.
They are not included in the above list of the best pet insurers because they are new products and have not yet been rated by the independent financial review firms we use to create the top 10.
However, thousands of customers have given us 5-star reviews and we received Feefo's 2018 Gold Trusted Service award.
If you have cats for pets you can find out more about our cover and get a quote by joining our pet insurance group.
You can see what customers think about our insurance on our testimonials page.
You can learn more about the providers in our top 10 with our individual reviews.
Read on to learn more about:
- How we came up with our Top 10 Cat Insurance list
- "Best Cat Insurance" vs "Cheapest Cat Insurance"
- What does Cat Insurance cost?
- Is pet insurance worth it for a cat?
- Making sense of the results
- Best Pet Insurance for Older Cats
- Cat Insurance Reviews
How did you come up with this list?
We looked at the awards insurers have received and reviewed research on pet insurance conducted by independent financial services review firms, including Which?, to find the best pet insurance for UK cats in terms of all-round quality - not just cost (you can use a price comparison site like GoCompare to do that).
Which? gives each pet insurance policy for cats a percentage score out of 100.
In the past Argos, Admiral, Computerquote, Vetsure Plus, and Animal Friends Superior Plus featured in the best cat insurance list. They were replaced by the likes of M&S Premier, More Than Classic and Sainsburys Bank Premier Plus.
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.
In this article, we want to go beyond looking at pet insurance costs for cats. But if you're not convinced, and you're simply looking to minimise your costs while giving your cat some insurance cover, here are the 5 cheapest pet insurance policies that start from under £4 a month:
- E&L Accident Only
- Animal Friends Accident Only
- The Insurance Emporium Accident Only
- Paws & Claws Accident Only
- E&L Silver
It's important to note that four of the five cheapest cat insurance policies are "Accident Only", meaning they will not pay out for illnesses.
If you have more than one cat, another way to save money on insurance is through multiple cat insurance discounts.
What does cat insurance cost?
The average annual premium paid for pet insurance by UK cat owners is £205 - equating to just over £17 per month (source: Key Note). But you might pay much more or much less than this, depending on 3 key factors that influence the cost.
Although it's possible to insure a cat on a no-frills Accident Only policy for as little as £3 a month, the cat insurance policies in our Top 10 list are likely to cost between £10 and £20 per month, as they are mostly Lifetime pet insurance policies.
Lifetime (or ‘yearly limit’) insurance 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, it is important to note that your premiums will increase each year at renewal. This is different to a “Per Condition” policy, where a particular condition can become excluded once the condition limit is reached. Your excess is also likely to 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:
- Lifetime Pet Cover
- Bought By Many
- MORE TH>N
- John Lewis Finance Pet Insurance
- Animal Friends
- Protect Your Bubble
- Debenhams Pet Insurance
- Argos Pet Insurance
Follow this link if you're specifically looking for cat insurance with dental coverage for an older cat.
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 says the average cost of treating a cat with diabetes is £1,060 and the average cost of treating a tumour for a cat is £687.
Cat vet insurance is cheaper than dog insurance so it's likely an annual premium could be around £200, depending on the age, breed and health of your cat.
Premiums also depend on what the cat insurance includes. 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 this list
- 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 to when they will and won’t pay out. Lifetime pet insurance for cats will continue to pay out for a medical issue up to the vet fees limit for the full length of the 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, and may include cover for end of life, dentistry, cattery fees, and even cover overseas
Why is your best cat insurance list different to your dog insurance top 10?
There are differences between the insurance cover available for cats and dogs, and in how pet insurance companies regard the risks of insuring them. And our dog insurance top 10 features The Kennel Club, which only offers cover for canines.
First, cat owners don't need public liability insurance. This is because - unlike dogs - cats are seen as "free spirits" in the eyes of the law, and owners cannot be held legally responsible for the things they do. Interestingly, this principle has been enshrined in law since Ancient Rome.
Meanwhile, the cost of vet treatment for a cat during its lifetime is significantly less than the cost for a dog. This is partly because procedures for cats and kittens cost less in the first place, and partly because the probability of cats needing treatment doesn't increase as sharply as the probability of dogs needing treatment does.
As a result, the total amount of vet bills cover in an insurance policy influences the ratings less for cats than it does for dogs, meaning policies with lower levels of vet bills cover (such as John Lewis Insurance Plus, which offers £7,500 of cover) feature highly in the top 10.
This may be why fewer cat owners choose to buy pet insurance than dog owners. In the UK, around 45% of dogs are insured, but only 25% of cats.
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.
If there are other cat insurance policies you'd like us to review, please let us know through our pet insurance group forum.
We also have guides in Swedish for anyone living in Sweden who wants to find out about pet insurance.