Cat insurance


Get 2 for 1 cinema tickets with MEERKAT MOVIES*

 

Buy cat insurance from £3/month!***

Get 2 for 1 cinema tickets with MEERKAT MOVIES*

 

Buy cat insurance from £3/month!***

Aleksandr and Sergei eating popcorn in the cinema

Existing customers also get a Limited Editions MEERKAT MOVIES Star Wars™ toy*

Only when you buy another qualifying product from 13th April 17.

*** 50% of customers could achieve a premium of up to £2.94 a month for cat accident only insurance based on comparethemarket.com data in April 2017.

All You Need To Know About Cat Insurance

As a nation of animal lovers, there are few animals we love more than our cats. Whether it’s an elegant Bengal or a humble moggie, they’re close to our hearts. What’s more, they’re most definitely a part of the family. That’s why when they’re sick, or need emergency treatment at the vet, it can be a very upsetting time. It’s also potentially an expensive time if you don’t have pet insurance in place.

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Why do I need cat insurance?

You need cat insurance if your cat becomes ill or is involved in an accident because it could help you get the best possible care for them. There’s no legal obligation to have cat insurance, but it can help towards paying for expensive vet treatments. For example, the average cost of treating a cat with diabetes is £1,060. And should your cat have a tumour, it will cost you £687, on average, to treat it.

How much does cat insurance cost?

The average yearly cost of insuring a cat is £41.22**. However, as with most types of insurance policy, the more cover you want in your policy, the more it’s likely to cost. That means that an accident only policy is likely to be the cheapest and lifetime cover the most expensive. It’s worth considering, too, that the average pet insurance claim in 2016 was £757; annual pet insurance should cost you less than that.

What are the different types of cat insurance?

There are four main types of insurance for cats:

• Accident only

Offers cover for your vet bills if your cat is unlucky enough to have an accident, but not if they’re ill or they develop any medical conditions in the future.

• Time limited policy

Covers illnesses as well as accidents, but for a limited amount of time only, usually 12 months. This type of policy may also have a maximum pay-out.

• Maximum benefit

Covers illnesses and accidents up to a maximum amount per condition, but there’s no time limit on how long you can claim for. This type of policy can be useful if your cat has a chronic or persistent illness.

• Lifetime cover

Covers your cat for accidents, illnesses or conditions throughout its lifetime, subject to limits as advised in the policy. To ensure your cat is covered, you must renew your policy every year. 

What should I consider when choosing cat insurance?

You’ll need to consider whether you cat has any pre-existing conditions and the excess you’ll have to pay should you make a claim. And always check exactly what’s included in a policy – some may offer optional extras.

Pre-existing conditions
Unfortunately, if your cat already has a pre-existing medical condition, this condition and the treatment of it won’t be covered by your insurance policy.

The excess
An excess is the amount of money you have to pay before you can claim on your insurance. Always check how much this is before you take out an insurance policy. Some insurance providers might ask for a percentage-based excess as well as the usual one-off payment – this can become very costly if you have to claim for expensive treatment by a vet.


Check what’s covered
In addition to the obvious vet bills, some policies include optional extras, such as:


Cover if your cat is stolen or goes missing – this could be a one-off payment if your cat isn’t found, or it could cover any costs involved in advertising or a reward to help find your cat.

Death by illness or injury – some insurance providers may also cover the cost of putting your cat to sleep and some will even cover bereavement counselling.

Can I get pet insurance for an older cat?

Yes, you can find an insurance policy for an older cat, but the premium is likely to be more expensive as older cats tend to need more medical care. There could also be more conditions or restrictions attached to the policy. And be aware that insurance providers won’t cover any pre-existing conditions your cat has when you take out the policy.

How do I compare insurance for my cat?

Use our comparison service to find cat insurance that’s right for you. Just tell us a few details about your moggy and we’ll show you different quotes and cover types so you can compare prices and policy details to find insurance that’s purrrrfect for you and your cat.

**Average price (across all levels of cover), based on comparethemarket.com data from April 2016 to March 2017. You may find a cheaper or more expensive quote based on your personal circumstances.