What does cat insurance cost?

20 September 2021 - 4 min read

We've looked at the average cost of cat insurance in the UK, and some of the factors that can influence it.

What is the average cost of pet insurance for a cat in the UK?

The average annual premium for cat insurance in the UK will vary depending on your circumstances but 44% of people paid £100 or less between the second quarter of 2016 and the first quarter of 2017, which equates to £8.33 a month, according to data from Consumer Intelligence.

We looked at 12 months worth of data from our pet insurance policies and found our cat insurance customers paid £150 a year on average.

That may reflect the level of cover our policies offer - our Complete policy is one of the most comprehensive pet insurance product on the market.

The cost of cat insurance is usually cheaper than the cost of dog insurance because vet fees for cats are generally less than they are for dogs.

Also, cats are slightly less expensive to insure than dogs because cats do not need public liability insurance. As an owner, you are less likely to be responsible for any damage your cat does.

Still, the price of your insurance usually increases as your cat gets older, regardless of whether you make a claim.

Check out our guide to the best pet insurance for cats.

The type of cat insurance policy you choose

The type of pet insurance policy you choose for your cat will affect the cost of your insurance. There are a few types of policies, all of which will cost different amounts:

  • Accident-only cat insurance is the cheapest cat insurance policy. This often costs between £3 and £8 a month and can cover vet fees if your cat needs attention due to an accident. However, it won't pay out for anything else, including illnesses.

  • Time-limited cat insurance is usually the second cheapest pet insurance policy. This basic cat insurance policy can cover your pet if it needs treatment for a short-term illness. It tends to cover each condition for 12 months up to a certain monetary limit. This means if your cat's condition reoccurs outside these limits, it won't be covered. Time-limited cat insurance policies usually cost between £6 and £15 per month.

  • Per condition cat insurance limits how much you can claim for each medical condition that affects your cat. There is no time limit on this claim, however. This policy usually costs more than both time-limited and accident-only policies, but less than lifetime cover.

  • Lifetime cat insurance is usually the most expensive cat insurance policy. However, it also affords the most comprehensive cover. It covers most vet fees your cat needs during its lifetime, up to a specific monetary limit. This policy usually costs £100 per year or more. Visit our dedicated page to find out more about more about lifetime pet insurance.

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 may increase each year at renewal.

Bear in mind that cat insurance policies don't necessarily only cover vet fees. They can also help with costs if your cat is lost or stolen, and can sometimes even pay for alternative treatment costs such as homoeopathy.

ManyPets also offers customers unlimited video calls with a vet, which can be made 24/7.

And we have several products unique to the pet insurance market, including a policy  that can provide cover for some pre-existing conditions.

Where you live

Where you live will have a big impact on cat insurance costs, as the price of vet treatment will be different depending on where you live in the country.

In general, cat insurance will cost less if you live outside of London and the South East. Cities and other urban areas are likely to be more expensive than rural areas as vet fees tend to be higher.

When getting quotes for our sister article, what does dog insurance cost, we found that the most expensive place to insure your pet was London, and the least expensive the East Midlands. Other cheaper areas included the North West of England and Yorkshire & Humber.

The age of your cat

The age of your cat can also influence your pet insurance policy. Younger cats are likely to cost less to insure than an older cat. Some companies may even refuse to cover a cat if it is over the age of eight or nine, or you may have to pay a percentage of your claim on top of any excess costs.

However, your cat's age won't influence the cost of your premium as much as it would if you owned a dog. Dog insurance can cost several times more for an older dog.

Some may see the increase in prices for older cats as unfair, but insurance costs increase because the company is more likely to have to pay out for vet bills as the cat gets older.

Not only will the cost of a newly-insured older cat be higher than a younger one, but as your cat gets older, insurance costs can increase at renewal. For this reason, some owners put money away into a savings account, which is known as 'self-insuring', rather than take out a policy. This means they have money to pay their vet fees if their pet gets sick. However, this risk is that vet treatment might cost more than you've had a chance to save.

Finally, some cats may be cheaper to insure when they turn 1 than they are before the age of 1. This is because there can be a higher risk of illness, and therefore of making a claim, in the cat's first year of life.

The breed of cat

Often the breed of cat you own will affect your premium price. This is because purebred cats can be more likely to develop illnesses due to having a less diverse gene pool.

As well as this, different breeds will cost different amounts to insure as each is prone to its own ailments. Siamese cats, for instance, can be prone to kidney and respiratory diseases; Persian cats, are susceptible to progressive retinal atrophy (a disease that can cause blindness).

For these reasons, moggies (occasionally spelled moggy), or mixed-breed cats, are usually cheaper to insure.

The cat insurance company you pick

Pet insurance companies will price their policies very differently. The top-end companies such as Petplan, John Lewis Finance and More Than offer some more comprehensive policies, with higher vet fees cover and extras such as dental treatment and cover for alternative therapies.

Other pet insurance companies may not offer such comprehensive policies but may be cheaper. Pet insurance companies like Helpucover and Animal Friends will offer some cheaper policies that won't offer as much cover for those looking to buy a cheap policy.

ManyPets's most affordable cover is Value. Value has a policy offering £3,000 of lifetime vet fee cover a year.

But we also have a really comprehensive cat insurance policy - Complete.

How can I make my cat insurance cheaper?

The easiest and fastest way to lower the cost of cat insurance is by increasing the price of your excess. Many pet insurance companies offer this option, though not all of them.

Remember that the excess is what you will have to pay if you need to make a claim, so it should be set at a level that is affordable for you. On top of this, once your cat is older than 8 or 9, you may have to pay a percentage of every claim on top of your policy excess.

Lots of cat insurance companies will also offer a multi-pet discount that can bring costs down if you have more than one pet. Take a look at our multi-pet insurance discounts for more information.

Digby Bodenham
UK engagement team lead

Digby is an experienced journalist in various fields but has specialised in insurance for more than six years. Before joining ManyPets in 2013 he was part of the editorial teams of various magazines, including Retail Week and Drapers. He has a degree in journalism and a cat called Potato.

This article was written by ManyPets. We were not paid to write it but we will receive commission if clicking on a link to one of the named insurers results in a reader taking out a policy with that insurer. We also charge for advertising space so a particular insurer may be highlighted in the article and, where insurers are listed, it can dictate where they appear in the list.