What does cat insurance cover?

Cat insurance covers vet fees for accidents and illnesses up to your chosen limit. Depending on your plan, it can also cover emergency boarding, the cost if your cat is lost, stolen or passes away, dental illness and accidents, vet-referred behaviour treatment, and vet-recommended complementary treatments like hydrotherapy. All of our plans cover dental accidents, and Standard Care, Standard Care Pre-existing and Complete Care also cover dental illness up to your vet fee limit. All we ask to keep this cover active is that your cat has a dental check-up every 12 months and that you follow any treatment your vet recommends within six months. Make sure to read your handbook for exact cover terms. This will tell you exactly what you are and aren’t covered for. We built our plans so they work for pet parents just like you, so you can enjoy those real moments with your pet instead of worrying about insurance.

Is cat insurance worth it?

When deciding if it's right for you, it helps to weigh the monthly cost against what you'd feel comfortable paying completely upfront in an emergency. It's also worth remembering that all of our policies are lifetime plans, which means your cover refreshes every single year as long as you renew with no break in cover, so you don't run out of help for ongoing, long-term conditions.

How does cat insurance work?

Cat insurance works by helping you to pay for vet costs through a fee which we insurers call a “premium”. With our cat insurance, if your cat has an accident or falls ill, you can claim towards the vet fees. We only offer lifetime plans, so your chosen vet fee limit refreshes every year you renew, and we'll keep providing cover for conditions your cat develops throughout their life up to that annual limit.

Do I need insurance for an indoor cat?

It depends on you and your circumstances, but indoor cats still get ill. While outdoor cats are higher risk, conditions like dental disease, urinary problems, behaviour conditions and age-related illness aren't related to going outdoors.

How much does cat insurance cost?

In the UK, the cost of insuring your cat can depend on: 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.

Is pet insurance more expensive for older cats?

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.

Are cat vaccinations covered?

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, if they're nine or over. Please read your handbook for exact details on death of your pet cover and our limits.

Is there an age limit or age restrictions to cat 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.

What type of cat insurance plan do I need?

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.

Does cat insurance cover spaying and neutering?

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.

Does where you live impact the cost of cat insurance?

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.

Is cat insurance mandatory in the UK?

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.

Can cats have life insurance?

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.

Will my cat be covered if it’s lost or stolen?

All of our plans have some level of lost or stolen cover .

What do I need to get a cat insurance quote?

Getting a cat insurance quote is easy. All you need to tell us is:

Can cat insurance be transferred to a new owner?

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.

Cat insurance

Name: Cat Insurance
Brand: ManyPets
Rating: 4.6 (20657 reviews)

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Lost and stolen cover

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Pre-existing conditions

Behaviour cover

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Compare our cat insurance plans

	Complete Care	Standard Care	Standard Care Pre-existing	Essential Care
Plan details
Vet fee cover up to	£20,000	£10,000	£7,000	£5,000
Pre-existing conditions cover
Excess	Once per year (not per condition, like many other insurers)	Once per year (not per condition, like many other insurers)	Once per year (not per condition, like many other insurers)	Once per year (not per condition, like many other insurers)
CT/MRI scan and cruciate ligament surgery				£1,000
Dental illness & accident				Accidents only (Up to £1,000)
Complications from routine treatment
Emergency boarding	£1,000	£1,000	£1,000	£1,000
Death of your pet	£6,000	£1,500	£1,500	£500
Missing or stolen (including advertising)	£6,000	£1,500	£1,500	£500 (excluding replacement costs)
Behaviour treatment