For when your cat needs it (and when they don’t)
Get up to £20,000 in vet fee cover every year, plus ManyPets Perks to help spoil them rotten.
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Thousands of pet owners voted us Pet Insurance Provider Of The Year in the 2025, 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 Standard Care Pre-existing plan can protect them, as long as the condition hasn't had signs, symptoms, treatment, medication or advice for three months before your policy start date.
Our cat insurance plans offer up to £20,000 of cover for unexpected accidents or illnesses – but that’s not all we do. Here’s how our cat insurance plans stand out from the rest.
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We built our cat insurance plans 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 Care | Standard Care | Standard Care Pre-existing | Essential Care | |
|---|---|---|---|---|
| Plan details | ||||
| Vet fee cover up to | £20,000 | £10,000 | £7,000 | £3,000 |
| Dental cover | Accidents and illness | Accidents and illness | Accidents and illness | Accidents only (Up to £1,000) |
| Pre-existing conditions cover | Cover for conditions that ended 2 years before policy start date | Cover for conditions that ended 2 years before policy start date | Up to £1,500 cover for conditions that ended 3 months before policy start date | Cover for conditions that ended 2 years before policy start date |
| 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 plans 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.
That’s right, your cat’s teeth are covered too. We have cover for dental illness and accidents up to the vet fee limit with our Standard Care and Complete Care plans, as long as your cat’s had a dental check-up within the last twelve months, and you’ve followed any dental treatment recommended by a vet within six months. Plus, all of our plans include cover for dental accidents (up to £1k on Essential Care).
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Don't see your cat above? Don't worry - you can still contact us to get a quote.
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 plan 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 seven.
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 seven to lower your insurance price.
But you must agree to a 20% co-payment when your pet is seven 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 plans excluding Essential Care include Farewell Cover if your pet has to be put to sleep. Standard Care and Standard Care Pre-existing plans provide up to £200, while Complete Care offers up to £500. It's your choice how you use the money. It could be used to cover the cost of putting your cat to sleep and for pet cremation or burial costs.
We have separate limits for paying out the value of your cat if they pass away because of an accident or illness. Essential Care has a limit of up to £500, Standard Care and Standard Care Pre-existing have a limit of up to £1,500 and Complete Care has a limit of up to £6,000.
We have an age limit of nine on our death of your pet cover for pets who pass away due to illness. We can't provide death of your pet cover for pets who pass away due to illness who are over nine.
Please read your handbook for exact details on death of your pet cover and our limits.
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 plans for cats, although our pet insurance plans can offer a payout if your cat passes away, similar to life insurance.
We love cats of all ages and therefore have no upper age limit! As long as your cat is over four weeks old, we can provide a plan for you.
All of our plans have some level of lost or stolen cover.
If your cat hasn’t shown signs and symptoms or needed medication, advice or treatment for a medical condition within two years of your policy start date, they’ll likely be eligible for any of our plans.
Our Standard Care Pre-existing plan can provide cover for a cat that’s had a more recent health issue without signs, symptoms, medication, treatment or advice for three months before your policy start date.
Cat insurance is designed to cover unpredictable accidents and illnesses, so routine procedures like spaying and neutering aren't included on our cat insurance plans.
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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