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Finding the right insurance for your cat.

Get your feline friend covered for accidents and injuries by securing the best cat insurance coverage. We scour the web to find the top-rated insurance deals in the UK – so you don’t have to.

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Top Rated Providers

We’ve ordered our comparison table by review score, which is the average weighted score based on product quality and user reviews from the last 12 months. Click here to learn how our review score is calculated.

  • 1st
    Review Score
    9.2/10

    Based on 90,595 reviews

    Defaqto Rating
    Maximum Vet Fees
    £15k
    per policy year
    Excess
    £99
    per condition
    Get a Quote Read more
  • 2nd
    Review Score
    9.0/10

    Based on 6,036 reviews

    Defaqto Rating
    Maximum Vet Fees
    £12.5k
    per policy year
    Excess
    £95
    per condition
    Get a Quote Read more
  • 3rd
    Review Score
    8.9/10

    Based on 76,515 reviews

    Defaqto Rating
    Maximum Vet Fees
    £12k
    per policy year
    Excess
    £109
    per condition
    Get a Quote Read more
  • 4th
    Review Score
    8.9/10

    Based on 4,139 reviews

    Defaqto Rating
    Maximum Vet Fees
    £12k
    per policy year
    Excess
    £99
    per condition
    Get a Quote Read more
  • 5th
    Review Score
    8.8/10

    Based on 3,253 reviews

    Defaqto Rating
    Maximum Vet Fees
    £6k
    per policy year
    Excess
    £75
    per condition
    Get a Quote Read more
  • 6th
    Review Score
    8.8/10

    Based on 34,956 reviews

    Defaqto Rating
    Maximum Vet Fees
    £8k
    per condition
    Excess
    £99
    per condition
    Get a Quote Read more
  • 7th
    Review Score
    8.7/10

    Based on 14,409 reviews

    Defaqto Rating
    Maximum Vet Fees
    £15k
    per policy year
    Excess
    £120
    per condition
    Get a Quote Read more
  • 8th
    Review Score
    8.7/10

    Based on 4,050 reviews

    Defaqto Rating
    Maximum Vet Fees
    £12k
    per policy year
    Excess
    £100
    per condition
    Get a Quote Read more
  • 9th
    Review Score
    8.6/10

    Based on 4,242 reviews

    Defaqto Rating
    Maximum Vet Fees
    £3.25k
    per condition
    Excess
    £99
    per condition
    Get a Quote Read more
  • 10th
    Review Score
    8.4/10

    Based on 12,450 reviews

    Defaqto Rating
    Maximum Vet Fees
    £10k
    per policy year
    Excess
    £50
    per condition
    Get a Quote Read more
  • 11th
    Review Score
    8.3/10

    Based on 2,293 reviews

    Defaqto Rating
    Maximum Vet Fees
    £10k
    per policy year
    Excess
    £250
    per condition
    Get a Quote Read more
  • 12th
    Review Score
    8.3/10

    Based on 1,431 reviews

    Defaqto Rating
    Maximum Vet Fees
    £7k
    per policy year
    Excess
    £99
    per condition
    Get a Quote Read more
  • 13th
    Review Score
    8.2/10

    Based on 13,703 reviews

    Defaqto Rating
    Maximum Vet Fees
    £10k
    per policy year
    Excess
    £80
    per condition
    Get a Quote Read more
  • 14th
    Review Score
    8.1/10

    Based on 1,249 reviews

    Defaqto Rating
    Maximum Vet Fees
    £10k
    per policy year
    Excess
    £99
    per condition
    Get a Quote Read more
  • 15th
    Review Score
    8.1/10

    Based on 2,875 reviews

    Defaqto Rating
    Maximum Vet Fees
    £4k
    per policy year
    Excess
    £140
    per condition
    Get a Quote Read more
  • 16th
    Review Score
    7.7/10

    Based on 1,069 reviews

    Defaqto Rating
    Maximum Vet Fees
    £10k
    per policy year
    Excess
    £80
    per condition
    Get a Quote Read more
  • 17th
    Review Score
    7.6/10

    Based on 15,274 reviews

    Defaqto Rating
    Maximum Vet Fees
    £4k
    per condition
    Excess
    £100
    per condition
    Get a Quote Read more
  • 18th
    Review Score
    7.5/10

    Based on 2,769 reviews

    Defaqto Rating
    Maximum Vet Fees
    £10k
    per policy year
    Excess
    £0
    per condition
    Get a Quote Read more
  • 19th
    Review Score
    7.2/10

    Based on 523 reviews

    Defaqto Rating
    Maximum Vet Fees
    £10k
    per policy year
    Excess
    £90
    per condition
    Get a Quote Read more
  • 20th
    Review Score
    6.9/10

    Based on 662 reviews

    Defaqto Rating
    Maximum Vet Fees
    £8k
    per policy year
    Excess
    £75
    per condition
    Get a Quote Read more
  • 21st
    Review Score
    6.1/10

    Based on 272 reviews

    Defaqto Rating
    Maximum Vet Fees
    £12k
    per policy year
    Excess
    £100
    per condition
    Get a Quote Read more
  • 22nd
    Review Score
    5.6/10

    Based on 207 reviews

    Defaqto Rating
    Maximum Vet Fees
    £10k
    per policy year
    Excess
    £120
    per condition
    Get a Quote Read more
  • 23rd
    Review Score
    3.4/10

    Based on 737 reviews

    Defaqto Rating
    Maximum Vet Fees
    £8k
    per policy year
    Excess
    £100
    per condition
    Get a Quote Read more

Most cat insurance quotes are provided via Quotezone, who are FCA regulated.

Please note that some of the providers included within our table are not currently offering new policies.

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1000s of reviews, all in one place

We have reviews from 1000s of real customers to offer transparency and choice on one page — helping you make the best decisions for your cat. Why don’t you see what cat owners who have secured their pet insurance through Compare By Review have to say?

  • Anyone
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 28 Feb 2024

    Disgraceful

    DONT USE absolute disgrace don’t pay out for life saving operation after paying into the policy for nearly 5 years….
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Julia Juhasziova
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 17 Feb 2024

    Great Customer Service, Quick Response.

    My dog had a surgery last year in November. I had submitted a claim, filled out forms sent by the insurance company. The payout was hassle free and q…
    • Recieved a response over 5 days after their claim was submitted
    • Claim was success and paid out
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Arthur Boards
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 8 Feb 2024

    Pointless Cover

    Had policy since 2015, THEY cancelled it in 2019 when the bank failed to move my direct debit over, as soon as I realised (the same month it was canc…
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Stacey
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 7 Feb 2024

    Disgusting Experience

    I have been with insure your paws for years and have spent over £40 per month on fully covered insurance including up to £3000 vet bills. When I need…
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Joey
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 24 Jan 2024

    Rubbish

    Dog was ill over christmas. We saw our vet on 28/12/23 and paid that claim. But we had to see emergency vet on 31/12/23 ,as they thought this was not…
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Gail Herridge
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 20 Jan 2024

    Deduction Of Whole Years Premiums Following Death Of Pet

    Having insured my dog with healthy pets since 2016 and paid extra for the gold level to ensure my dog had good cover, I was appalled the companys beh…
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Yvonne Owe
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 19 Jan 2024

    Won’T Pay Out And Leave Customers High And Dry In Their Hour Of Need

    Won’t pay out on our claim when we had a water leak in our caravan. More interested in finding a loophole to avoid paying. Dont put customers first…
    • Recieved a response within 3-4 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Kay Harding
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 17 Jan 2024

    Avoid Avoid

    I thought insurance was to give you peace of mind but unfortunately this is not the case with this company. They will try to pass the buck on to some…
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Philip Poole
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 12 Jan 2024

    Bad Customer Service

    Put a claim in for our dog in September 2023 heard nothing phoned them in November was told we will hear from them in 3 working days as the claim ha…
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Maureen Farren
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 2 Jan 2024

    Top Insurance Company

    I have been insured with Agria since Riley was a puppy and they have been amazing. I have had to claim a few times,unfortunately, but the process was…
    • Recieved a response within 1-2 days after their claim was submitted
    • Claim was success and paid out
    • Was neither happy or unhappy with their experience when they spoke to someone
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How does it work?

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    Use our Review Scores to identify top cat insurance providers.

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In this Guide

  • What types of cat insurance can I get?
  • What does cat insurance cover?
  • What's not covered?
  • How much does cat insurance cost?
  • Compare cat insurance

What types of cat insurance can I get?

Accident-only

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

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

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

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.

Top tip: Make sure you understand the kind of health conditions your cat will be susceptible to and think about its medical history. This will help you to pick the best cat insurance cover.

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What does cat insurance cover?

This will vary depending on the type of policy you take out but most cat insurance policies provide cover for the following:

  • Vet fees: If your cat needs veterinary treatment, you’ll be able to claim back the cost of vet fees.
  • Theft or straying: If your cat goes missing or is stolen, you can claim back the cost of paying for a reward and advertising.
  • Death: You can claim back the amount that you paid for your cat is they pass away because of an accident or illness.
  • Boarding fees: If you have to go to hospital and can’t look after your cat, cat insurance can cover the cost of putting your cat in a cattery.
  •  

What's not covered?

Before you take out a policy, make sure you read the terms and conditions thoroughly to check exactly what your cat is and isn’t covered for. Common exclusions include:

  • Pre-existing medical conditions: Most pet insurers won’t cover your cat for pre-existing conditions. Although ManyPets have created a specific pre-existing pet insurance policy to ensure your pet can get some form of cover, despite having an existing condition.
  • Routine treatments: Treatments such as grooming, flea treatment, worm treatment, nail clipping, spaying and castration are typically excluded.
  • Dental treatment: The majority of cat insurance policies won’t cover your cat for dental treatment, although more comprehensive policies might offer some cover.
  • Breeding and pregnancy: Complications associated with breeding and pregnancy are often not covered. 
  • Euthanasia and burial: Most insurers don’t cover euthanasia and burial costs. 
  •  

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, costs £600 and lives at a CM postcode.

The amount you pay for cat insurance for your kitten 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.

Cat Insurance Guides

Check out our insurance guides for more information