For when your cat needs it (and when they don’t)
Get up to £15,000 in vet fee cover every year, plus extra Perks to help spoil them rotten.)
Thousands of pet owners voted us Pet Insurance Provider Of The Year in the 2024, 2022 and 2021 Moneyfacts Consumer Awards.
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Cat insurance helps cover your cat’s healthcare if they have an accident or become ill.
It’s not a legal requirement, but we think it’s essential: cats with insurance have easier access to the care they need.
Plus, unlike other insurers, even if your cat has a pre-existing condition, our pre-existing cover can protect them, as long as they haven’t had treatment, medication or advice for three months.
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We built our cat insurance policies from scratch after listening to the needs of thousands of cat owners. Compare our levels of cover to pick the one that’s best for you.
| Complete | Regular | Pre-existing | Value | |
|---|---|---|---|---|
| Policy details | ||||
| Vet fee cover up to | £15,000 | £7,000 | £7,000 | £3,000 |
| Dental cover | Accidents and illness | Accidents only | Accidents only | Accidents only |
| Pre-existing conditions cover | Cover for conditions that ended 2 years ago | Cover for conditions that ended 2 years ago | Up to £1,500 cover for conditions that ended 3 months ago | Cover for conditions that ended 2 years ago |
| Unlimited 24/7 video vet calls at no extra cost | ||||
| Access to ManyPets Perks *T&Cs apply |
Our friendly team are waiting. Call us to get all your cat insurance questions answered and to get a quote on 03456460749.
That’s why we only do lifetime cat insurance policies here at ManyPets.
It just means the vet fee cover on your cat insurance will refresh each year when you renew. So even if you need to claim for pricey treatment or an ongoing condition, you’ll still have plenty of cover to fall back on throughout your cat’s lifetime.
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Don't see your cat above? Don't worry - you can still contact us to get a quote.
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All the questions you’ve ever wanted to ask about our cat insurance.
In the UK, the cost of insuring your cat can depend on:
Your pet's breed
Their age
Where you live
The policy you choose
The best way to find out exactly how much it’ll cost to insure your cat is to get a quote – it only takes a few moments.
The cost of vet and medical treatment varies around the country, which means your home address can affect how much you pay for cat insurance.
Generally, the cost to insure a one or two-year-old cat is much less than the cost of insuring an older cat.
Things do change as your cat gets older. For example, your insurer may also ask you to pay a co-payment once your cat turns nine.
Co-payments are a fixed percentage you pay towards your pet's treatment. We calculate this percentage from your vet bill minus the excess.
With us, you can choose to pay a 10% or 20% co-payment when your pet is under nine years old to lower your insurance price.
But you must agree to a 20% co-payment when your pet is nine or over at renewal.
Like fixed excesses, co-payments help to make the insurance price more affordable. Learn more about co-payments and excesses on our explainer page.
Many people see the cost of their cat insurance increasing over time, and feel that the insurance company is acting unfairly – but higher costs for older cats reflect the fact that visits to the vet are more likely.
Some owners opt to 'self-insure' by paying a fixed amount into a savings account each month, so that there is a reserve to draw on if their cat gets sick, instead of continuing to pay the insurance premium. The risk is that you may need vet treatment before your savings have built up or the cost of treatment will be higher than what you've saved.
No, vaccinations aren’t covered by cat insurance because they are classed as routine procedures.
We have two limits related to death. All our cat insurance policies include £300 if your pet has to be put to sleep. It is your choice how you use it, it could be used to cover the cost of putting your cat to sleep and for pet cremation or burial costs.
We have a separate limit that can pay out the value of your cat if they pass away because of an accident or illness. There is a £6,000 limit included in our Complete policy as standard and our other cat insurance policies, apart from Value, offer up to £1,500 as an add-on. Please check our policy documents as there is an age limit for some death claims.
Cat insurance isn’t compulsory in the UK and you don’t legally have to have it. But it can give you peace of mind that you can pay expensive vet bills and medical treatment costs and get your cat back to health.
There are no life insurance policies for cats, although our pet insurance policies can offer a payout if your cat passes away, similar to life insurance. Our Complete policies includes up to £6,000 cover for death as standard and our other policies offer lower limits as an add-on. Please read our policy documents because some death claims have an age limit.
We love cats of all ages and therefore have no upper age limit! As long as your cat is over 4 weeks old, we can provide a policy for you.
We can offer Lost or Stolen cover on most of our policies. The Lost or Stolen cover is included as standard on our Complete policy, or can be added as an optional extra on the others in our range.
If your cat hasn’t needed vet treatment, medicine or advice for a medical condition within the last two years, they’ll be eligible for any of our Complete, Regular or Value policies.
Our Pre-existing policy can provide cover for a cat that’s had a more recent health issue.
Cat insurance is designed to cover unpredictable accidents and illnesses, so routine procedures like spaying and neutering aren't included on our cat insurance policies.
Getting a cat insurance quote is easy. All you need to tell us is:
Your details and address
Your cat’s age
Your cat’s breed
Your cat’s gender
The price you paid for your cat
Your cat’s neutered status
Any pre-existing conditions your cat has
We can sometimes transfer cat insurance to a new owner, but it isn't always possible. Please call us if you'd like to transfer ownership.
Our cat guides are there for the moments when you need a bit of advice. From vaccinations to cat insurance costs, check out our top guides on cat ownership.
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