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Compare cat insurance

Compare cheap cat insurance quotes. You could pay from just £3.01 per month* and get up to £20 cashback.

Compare up to 15 providers to get a cheap cat insurance quote

1
Get quotes

Spend some time entering your details and the details of your cat. You’ll get access to a variety of quotes so that you can find the one for you. 

2
Compare

Compare the UK’s most reputable policies and prices to find a purrfect cat insurance plan for you.

3
Get paid

Choose a policy. Your cashback will be on its way and in your account in less than 60 days. 


Why compare cat insurance policies with Quidco?

Not only will you get a detailed and comprehensive list of trusted insurers to choose from, but we’ll also go the extra mile by giving you cashback on top of the significant savings you could get from cat insurance comparison. In just 60 days, the cashback could be in your account. 

What do I need to get a quote?

Details of your cat

The price of your policy is influenced by a few different factors, from the breed of your cat to its age. That’s why we’ll ask you for a few specific details, to make sure we provide you with the most relevant policies and prices.

Your cat’s medical history

Your cat’s medical history is another important factor that we’ll need to know about. We will ask questions regarding any previous health conditions your cat has had, whether your cat has been neutered, had any vaccinations, or undergone surgery. These factors could affect the overall cost of your cat insurance policy. 

What types of cat insurance are there?

cat insurance - lifetime cover

Lifetime

Lifetime cat insurance will cover your cat for both illness and injury-related costs up to a certain amount annually. If your cat suffers long-term or recurring illnesses, you can then renew year on year to receive full lifetime coverage.

cat insurance maximum benefit policies

Maximum benefit

Maximum benefit policies cover your cat against accidents and illnesses. Your chosen provider will give you a maximum amount of money if your cat has an accident or becomes ill. Note that once the maximum has been paid out, you won’t be able to use it again.

cat insurance - accident only

Accident-only

Accident-only policies cover you if your cat has an accident, providing you with a fixed sum to put towards your cat’s treatment and recovery. 

Cat insurance - time-limited

Time-limited

With time-limited policies, you’ll receive a fixed sum to cover your cat for a specific period which often commences from the start of an illness or injury. 

  • cat insurance - lifetime cover

    Lifetime

    Lifetime cat insurance will cover your cat for both illness and injury-related costs up to a certain amount annually. If your cat suffers long-term or recurring illnesses, you can then renew year on year to receive full lifetime coverage.

  • cat insurance maximum benefit policies

    Maximum benefit

    Maximum benefit policies cover your cat against accidents and illnesses. Your chosen provider will give you a maximum amount of money if your cat has an accident or becomes ill. Note that once the maximum has been paid out, you won’t be able to use it again.

  • cat insurance - accident only

    Accident-only

    Accident-only policies cover you if your cat has an accident, providing you with a fixed sum to put towards your cat’s treatment and recovery. 

  • Cat insurance - time-limited

    Time-limited

    With time-limited policies, you’ll receive a fixed sum to cover your cat for a specific period which often commences from the start of an illness or injury. 

    What does cat insurance cover?

    The coverage you receive depends on the type of pet insurance policy you choose and how much you pay for it. The most affordable cat insurance plan isn’t always the best option, and by the same rationale, the most expensive policy might not suit you either. 

    You will need to think about what you would like your cat insured for because different policies will cover different things. For example, kitten insurance may be more suitable depending on the age of your cat. We help you decide by providing trusted and reliable providers so you’re choosing from only the very best.

    Vet bills

    As you may know, vet bills are almost always expensive. Vet costs are a central part of most cat insurance policies, and they’ll cover you on costs relating to many kinds of accidents and illnesses.

    The bills you’ll be covered against depends on the policy you choose. For example, some treatments will be covered in some insurance policies but aren’t mentioned in others. You need to think about what type of cover you want for your cat.

    Does your cat suffer from a long-term condition? Do they have a hereditary illness? If you’re likely to be charged vet bills for things such as these, then you should look for a plan that covers them.

    Loss and theft

    You’ll be covered against the loss or theft of your cat, which for all owners is important but particularly so for owners of perhaps rare, unusual, and otherwise expensive cat breeds. 

    Death by injury or illness

    Many providers will cover you in the sad event of your cat passing away either by illness or injury. There are instances where your coverage may be called into question (for example if your cat passes away at an old age). That said, most well-known insurers will cover you if your cat has to be put down. 

    Third-party cover

    Also known as liability cover, third-party cover will insure you if your cat injures somebody or damages their property. It provides the amount necessary to make reparations of up to £1 million or more.

    How do I keep my insurance policy cheap?

    Compare and get cashback

    When you want your cat insured as quickly as possible, it’s easy to rush into policies that perhaps aren’t your best option. It’s important to shop around and look for coverage that suits your needs. You don’t want to pay for a policy that doesn’t have what you need.

    So, shop around. Compare. Think about what your cat might need, and make a decision based on factors like medical history, or the age of your cat. Long-term, you’re sure to save money (this is without mentioning the cashback!).

    Keep your cat healthy

    The health of your cat will influence your premiums, so you can save money simply by taking care of them with exercise and a healthy diet. 

    Have your cat microchipped

    Unlike dogs, it is not required by law to microchip your cat. However, doing so can significantly reduce the cost of your premium. It will also make it easier to find your cat if it’s lost or stolen.

    Multi-cat insurance

    If you’re a self-confessed crazy cat-person, you should think about multi-cat insurance to take care of your feline family. Insuring several pets on the one multi-pet policy can save you significant amounts of money.

    FAQs

    What is not covered by cat insurance?

    There are some things that may not be covered by insurers. Some policies exclude cats over (and indeed under) a certain age, while others have been known to exclude dental treatments. 

    • Pre-existing conditions. Unless you take out a specialist insurance plan, most insurers will not cover you against pre-existing conditions. If your cat showed symptoms before taking out a policy or has developed a condition relating to an illness or injury that occurred before taking out a policy, there’s a strong chance you won’t be covered. 
    • Routine treatments. Generally speaking, insurers will not cover you for routine treatments like vaccinations, neutering and infestations. 
    • Spaying/neutering treatment. Spaying and castration treatments are not typically covered by providers. This also applies to any further procedures relating to spaying and castration. 
    • Treatments that could come under ‘grooming’. Bathing, claw-clipping procedures and other forms of grooming aren’t typically covered. 

    What can I do if my cat goes missing?

    Cats are inquisitive creatures as you’ll know, and it’s this curious nature that often leads them astray. While cats are famously skilled at finding their way back home, it doesn’t alleviate your worries if they do go missing. 

    Fortunately, there are some cat insurance policies that will accommodate this. Some insurers provide an advertising and reward allowance that covers the cost of local advertising as well as a rewards sum (up to a certain amount).

    At what age should I insure my cat?

    As early as you can. Like most pets, cats are at their most vulnerable when they’re very young and very old. You will want to cover your cat as early as six weeks into its life so that you’re not caught out by any unfortunate early illnesses.

    Does location affect the cost?

    There are a few variables that affect the cost of your premiums, and one of them is your location. Because the cost of vet treatments vary from region to region, the price you pay will depend on where you’re based. For example, those from London pay higher premiums compared to people living in the north. 

    Can I get cat insurance that covers pre-existing conditions?

    With a specialist insurance policy, you can. Most standard plans don’t cover pre-existing conditions so you will have to seek out those that do.

    See below for more information on what qualifies as a pre-existing condition:

    • Chronic conditions. Conditions such as cancer, glaucoma, or diabetes. 
    • Congenital conditions. These are conditions passed down to your cat genetically. 
    • Historic conditions. These are illnesses that your cat has recovered from before you took out your policy. 

    What is the best cat insurance company?

    You won’t have to worry too much about this because we only recommend the best and most-trusted insurers. Instead, think about what you need from your cat insurance plan. Take a look at your situation and assess the health, age, and lifestyle of your cat.

    Certain breeds are more susceptible to certain conditions, so do some research on the breed of your cat and make a decision with that in mind. 

    What is an excess?

    An excess is agreed upon between you and your insurer. It’s the amount you pay each time you make a claim (i.e, when you take your cat to the vet). You will get some insurers that ask for a fee every time you visit, while others work on a percentage basis whereby you pay a percentage of your claim on top of a fee. 

    One way around all this is to potentially increase your excess fee to get a cheaper premium. Of course, this will need to be agreed with your insurer.

    Can I get pet insurance for older cats?

    It depends on a number of variables, from the health of your cat and any medical conditions it might have to exactly how old your cat is. Insurance for older cats is typically more expensive because, as with humans, the risk of needing various treatments increases the older they get.

    Some insurers might cover you if your cat is deemed too old, while others will be able to provide a stripped back policy with benefits specific to your cat. Again, it’s important that you shop around to get the best quote for your cat.

    Should I insure my indoor cat?

    While indoor cats are obviously less likely to go missing or endure injuries from being outside, they’re just as susceptible to illnesses and conditions as outdoor cats. So, yes - you should still consider pet insurance for your indoor cat. Compare cat insurance quotes to find a policy that works for you and your cat.

    Useful information

    Please note: by clicking the "Get a quote" button, you consent to your details being used by the comparison partner and insurance quote providers. Don't worry they won't call or email though.

    When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.

    The comparison service for pet insurance accessed via Compare is provided by Quotezone, 100% independent UK insurance comparison. Quidco is a trading style of Maple Syrup Media Ltd, who are an Introducer Appointed Representative of Seopa Ltd, trading as Quotezone, who are authorised and regulated by the FCA, number 313860. Quotezone run and operate the insurance comparison service. By using this system you are agreeing to our terms and conditions & privacy policy.

    *This policy provides annual cover including the cost of vet fees up to £2,500. *Price per month for cover based on a cat, Albi, aged 10, no known medical conditions, neutered, up to date with vaccinations and microchipped.