Cat insurance
For when your cat needs it (and when they don’t)
Get up to £20,000 in vet fee cover every year, plus handpicked Perks to help spoil them rotten.
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Why pick ManyPets cat insurance?
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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Lost and stolen cover
All our plans offer lost and stolen cover for wandering kitties, with Complete Care having up to £6,000 for advertising and reward costs.
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MoneyBack optional extra
MoneyBack gives you 20% of your premium back if you haven't needed to make a claim in your policy year. Available to add to most of our plans.
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Pre-existing conditions
All plans cover pre-existing conditions ending more than two years before your plan starts, or choose the Standard Care Pre-existing plan for more recent issues. Read our handbook for the full details.
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Behaviour cover
Our Complete Care plan covers vet-referred behaviour treatment as a result of an accident or illness to help your cat land back on their feet.
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Dental treatment
Cats are sadly prone to dental problems. But we have cover for dental illness and accidents up to the vet fee limit with Standard Care and Complete Care, when you follow your vet's recommendations (see handbook for details). Plus cover for dental accidents up to £1,000 on Essential Care.
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Complementary treatments
We cover vet-recommended complementary treatment like hydrotherapy within your vet fee limit. Our complementary treatment cover ranges from £500 to £3,000 depending on your plan.
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Lifetime plans
We know some cats struggle with commitment. But we only do lifetime insurance. It means whatever level of cover you choose, the vet fee limit refreshes each year as long as you renew your plan. It's that easy.
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My Account
Manage your plan easily and get access to extra Perks for you and your pet with My Account.
Compare our cat insurance plans
We built our cat insurance plans from scratch after listening to pet parents just like you. Compare our cover levels to pick the one that’s best for you.
| Essential Care | Standard Care Pre-existing | Standard Care | Complete Care | |
|---|---|---|---|---|
| Plan details | ||||
| Vet fee cover up to | £5,000 | £7,000 | £10,000 | £20,000 |
| Pre-existing conditions cover | 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 | Cover for conditions that ended 2 years before policy start date |
| 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 | £500 | £1,500 | £1,500 | £6,000 |
| Missing or stolen (including advertising) | £500 (excluding replacement costs) | £1,500 | £1,500 | £6,000 |
| Behaviour treatment | ||||
Perks: save with discounts from UK pet brands
You get more than just cat insurance when you take out a ManyPets plan. Here’s what else you can get your hands on with Perks. Offers may change at any time. Terms apply*.
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Preventative pet care
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Perks your pet deserves
Enjoy access to handpicked Perks for your cat.
Our cat insurance reviews
See how our cat insurance customers rated us.
Want to chat about our cat insurance plans?
Our friendly team are waiting.
Quotes tailored to your cat
Whether you’ve just brought home a new kitten or your cat’s well into their golden years, we can give you an idea of how much their cat insurance will cost.
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Kitten insurance
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Older cat insurance
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Multi-pet insurance
We insure a wide range of cat breeds
Don't see your cat above? Don't worry - you can still contact us to get a quote.
Articles that help you land on your feet
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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Cat insurance FAQs
All the questions you’ve ever wanted to ask about our cat insurance.
How much does cat insurance cost?
How much does cat insurance cost?
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.
Is pet insurance more expensive for older cats?
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?
Are cat vaccinations covered?
No, vaccinations aren’t covered by cat insurance because they are classed as routine procedures.
Is death covered?
Is death covered?
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?
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?
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?
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?
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?
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?
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?
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?
What do I need to get a cat insurance quote?
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
Can cat insurance be transferred to a new owner?
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.