1st
Review Score
9.8
based on 31,190 reviewsCat Quote*
£21.55
per monthCover Starts From**
5
weeksMaximum Vet Fees
£15k
per policy yearExcess
£99
per condition2nd
Review Score
9.8
based on 2,564 reviewsCat Quote*
£18.02
per monthCover Starts From**
8
weeksMaximum Vet Fees
£6k
per policy yearExcess
£75
per condition3rd
Review Score
9.7
based on 3,323 reviewsCat Quote*
£38.24
per monthCover Starts From**
8
weeksMaximum Vet Fees
£12.5k
per policy yearExcess
£95
per condition4th
Review Score
9.7
based on 1,334 reviewsCat Quote*
£16.50
per monthCover Starts From**
6
weeksMaximum Vet Fees
£3.25k
per conditionExcess
£99
per condition5th
Review Score
9.5
based on 426 reviewsCat Quote*
£19.44
per monthCover Starts From**
6
weeksMaximum Vet Fees
£12k
per policy yearExcess
£99
per condition6th
Review Score
9.5
based on 15,308 reviewsCat Quote*
£24.15
per monthCover Starts From**
6
weeksMaximum Vet Fees
£12k
per policy yearExcess
£109
per condition7th
Review Score
9.2
based on 7,080 reviewsCat Quote*
£18.95
per monthCover Starts From**
8
weeksMaximum Vet Fees
£10k
per policy yearExcess
£80
per condition8th
Review Score
9.2
based on 1,560 reviewsCat Quote*
£23.74
per monthCover Starts From**
8
weeksMaximum Vet Fees
£10k
per policy yearExcess
£0
per condition9th
Review Score
9.2
based on 532 reviewsCat Quote*
£18.65
per monthCover Starts From**
5
weeksMaximum Vet Fees
£8k
per policy yearExcess
£75
per condition10th
Review Score
9.1
based on 25,208 reviewsCat Quote*
£26.00
per monthCover Starts From**
5
weeksMaximum Vet Fees
£8k
per conditionExcess
£99
per condition*The quote received provides lifetime cover for accidents and illnesses for a three year old Bengal who has been spayed and chipped, cost £600 and lives at a CM postcode.
**This is how old your pet must be in order to get a pet insurance policy.
What types of cat insurance can I get?
Accident only policies cover the cost of treatment if your cat is involved in an accident. Typically, this is the cheapest type of cat insurance you can get as it offers the least extensive cover. Some providers offer accident and illness policies that cover your cat if they become ill as the result of an accident, but most exclude illnesses entirely.
Time limited cat insurance covers the cost of vet fees over a 12-month period from the date you first noticed the illness or injury. When the 12-month period ends, your cat will no longer be covered for the particular injury you claimed for, even if you renew your policy.
Maximum benefit policies allow you to claim for illnesses and injuries up to a pre-set limit. This is typically seen as the mid-range option. With a maximum benefit policy, you can claim for the same condition more than once, unlike time limited policies. However, once you’ve reached the maximum amount, you’ll have to pay for further treatment yourself.
Lifetime cat insurance covers accidents, illnesses and conditions throughout the lifetime of the policy. The limit is renewed each year. As lifetime policies offer the most comprehensive level of cover, they tend to be the most expensive. If your pet develops an ongoing condition that you want to cover for life, you’ll need to renew your lifetime policy yearly or find a new policy that covers pre-existing conditions.
What does cat insurance cover?
What's not covered?
How much does cat insurance cost?
You can get a lifetime cat insurance policy for as little as £8.11 per month according to Compare by Review data in November 2020. *
*This figure is based on lifetime pet insurance for accidents and illnesses for a three-year-old Bengal who has been spayed and chipped, cost £600 and lives at a CM postcode.
The amount you pay for kitten insurance will depend on a range of factors, mainly the type of policy you choose. The more comprehensive the policy, the more expensive your premium will be, for example, accident only cat insurance is far cheaper than lifetime cat insurance. Your postcode will also impact the amount you pay because the cost of vet treatment is higher in some parts of the UK. If you live in an area where treatment is known to cost more, it’s likely that you’ll have to pay a higher premium. Pet insurance for older cats generally costs more too as older cats are at higher risk of developing health problems or illnesses. And finally, if you have a pedigree cat, you can expect to pay more to insure your cat.
Compare cat insurance
Our comparison table ranks cat insurance exclusively on customer experience and product quality, rather than price. We encourage you to read cat insurance reviews when deciding who to take out a policy with to get an idea of how different insurers treat their customers and handle claims. You want to ensure that you’re in safe hands if the worst were to happen to your cuddly companion.
