Compare Cat Insurance

Compare cat insurance policies and find the best cat insurance for you so you can take care of your kitty, no matter what life throws at them.

Let’s face it, cats may have nine lives but that can’t always keep them safe. They are fearless, independent and adventurous (which is partly why we love them) so they can’t necessarily be under your protective gaze all the time.  

If the unthinkable happens, and the cost of necessary tests, veterinary treatment and care start mounting up, cat insurance can help you cope and make sure your cute kitty receives the right care. It’s our job to help you compare cat insurance options and find your perfect policy! 

What is the best cat insurance for your courageous kitty?

There are so many options it’s important to compare cat insurance policies from a range of insurers to ensure you find the cover which best suits your cat’s needs and your budget. There is a policy for everyone so don’t worry if your cat is older or has some health issues already; you will be able to find cover to suit your needs. 

Compare the most popular cat insurance policy’s key features using the table below. Once you narrow down the options, click the ‘Get a quote’ buttons below to compare personalised quotes from your shortlist and rest assured you’ve done all you can to make the right choice!

We display the insurers below in order of rank (see below for more details as to how we calculate an insurer’s rank).  Payments from insurers do not influence the rating or ranking each insurer is given on our site however please note that in the table below, insurers with whom we have a commercial arrangement appear before other insurers regardless of rating or ranking. 

Lifetime Cover, provides cover for your pet’s lifetime and will cover treatment of long term conditions. Exclusions and conditions will apply, check your chosen insurers policy documents carefully. 

Average Rating

4.6
Based on 445 reviews

Ranked

#2
2 of 19 insurers
Policy Type

Lifetime Cover £2,000

Waiting Periods

5 days for accidents; 14 days for illness

Age Limits

8 weeks minimum age. No upper age limit

Excess

The excess is £95. If pet is over 7 years or older at the time of claiming, there will be a 20% contribution to the balance of the claim, after the £95 policy excess has been paid. This increases to 25% from the age of 12 years.

Payout Limits

We will pay for Veterinary Fees for each new medical condition. You will be covered for Veterinary Fees up to £2000 each year and this will be reinstated each year providing cover is made available to You and You continue to renew Your Policy with Us

Average Rating

4.6
Based on 445 reviews

Ranked

#2
2 of 19 insurers
Policy Type

Lifetime Cover £3,000

Waiting Periods

5 days for accidents; 14 days for illness

Age Limits

8 weeks minimum age. No upper age limit

Excess

The excess is £95. If pet is over 7 years or older at the time of claiming, there will be a 20% contribution to the balance of the claim, after the £95 policy excess has been paid. This increases to 25% from the age of 12 years.

Payout Limits

We will pay for Veterinary Fees for each new medical condition. You will be covered for Veterinary Fees up to £3000 each year and this will be reinstated each year providing cover is made available to You and You continue to renew Your Policy with Us

Average Rating

4.6
Based on 445 reviews

Ranked

#2
2 of 19 insurers
Policy Type

Lifetime Cover £4,000

Waiting Periods

5 days for accidents; 14 days for illness

Age Limits

8 weeks minimum age. No upper age limit

Excess

The excess is £95. If pet is over 7 years or older at the time of claiming, there will be a 20% contribution to the balance of the claim, after the £95 policy excess has been paid. This increases to 25% from the age of 12 years.

Payout Limits

We will pay for Veterinary Fees for each new medical condition. You will be covered for Veterinary Fees up to £4000 each year and this will be reinstated each year providing cover is made available to You and You continue to renew Your Policy with Us

Average Rating

4.6
Based on 445 reviews

Ranked

#2
2 of 19 insurers
Policy Type

Lifetime Cover £6,000

Waiting Periods

5 days for accidents; 14 days for illness

Age Limits

8 weeks minimum age. No upper age limit

Excess

The excess is £95. If pet is over 7 years or older at the time of claiming, there will be a 20% contribution to the balance of the claim, after the £95 policy excess has been paid. This increases to 25% from the age of 12 years.

Payout Limits

We will pay for Veterinary Fees for each new medical condition. You will be covered for Veterinary Fees up to £6000 each year and this will be reinstated each year providing cover is made available to You and You continue to renew Your Policy with Us

Average Rating

4.6
Based on 445 reviews

Ranked

#2
2 of 19 insurers
Policy Type

Lifetime Cover £10,000

Waiting Periods

5 days for accidents; 14 days for illness

Age Limits

8 weeks minimum age. No upper age limit

Excess

The excess is £95. If pet is over 7 years or older at the time of claiming, there will be a 20% contribution to the balance of the claim, after the £95 policy excess has been paid. This increases to 25% from the age of 12 years.

Payout Limits

We will pay for Veterinary Fees for each new medical condition. You will be covered for Veterinary Fees up to £10,000 each year and this will be reinstated each year providing cover is made available to You and You continue to renew Your Policy with Us

Average Rating

4.7
Based on 341 reviews

Ranked

#3
3 of 19 insurers
Policy Type

Lifetime Cover (£6,500)

Waiting Periods

Illness - 10 days when you first buy your policy.

Age Limits

From 8 weeks. Max age limit depends on species and breed

Excess

Choice of £85 or £160 excess per condition each year. You pay 10% of vet costs once the excess is deducted.

Payout Limits

Lifetime cover of £6,500 cover per year for all vet fees for accidents or illnesses. Choice of Excess and 10% contribution to all costs over the Excess amount apply.

Average Rating

4.7
Based on 341 reviews

Ranked

#3
3 of 19 insurers
Policy Type

Lifetime Higher Cover (£12,500)

Waiting Periods

Illness - 10 days when you first buy your policy.

Age Limits

From 8 weeks. Max age limit depends on species and breed

Excess

Choice of £85 or £160 per condition each year. You pay 10% of vet costs once the excess is deducted.

Payout Limits

Lifetime cover of £12,500 per year for all vet fees for accidents or illnesses. Choice of Excess amount and 10% contribution to all costs over the Excess amount apply.

Average Rating

4.8
Based on 211 reviews

Ranked

#4
4 of 19 insurers
Policy Type

Premier Accident and Illness Lifetime Cover

Waiting Periods

14 days

Age Limits

8 weeks to less than 10 years at the start of cover.

Excess

£69, £109 or £149 options plus £20 extra if customer chooses to have pet treated at a vet outside the Vetsure network.

Payout Limits

£2,000 per condition per year cover for vet fees. Cover for complementary medicine, Special Diets, Death of Pet, Transportation Costs, Loss by Theft or Straying with other optional extras available.

Average Rating

4.8
Based on 211 reviews

Ranked

#4
4 of 19 insurers
Policy Type

Premier Plus Cover

Waiting Periods

14 days

Age Limits

8 weeks to less than 10 years at the start of cover.

Excess

£69, £109 or £149 options plus £20 extra if customer chooses to have pet treated at a vet outside the Vetsure network.

Payout Limits

£5,000 per condition per year cover for vet fees. Cover for complementary medicine, Special Diets, Death of Pet, Transportation Costs, Loss by Theft or Straying with other optional extras available.

Average Rating

4.3
Based on 104 reviews

Ranked

#7
7 of 19 insurers
Policy Type

Gold Lifetime Cover

Waiting Periods

Illnesses 14 days, accidents or injury 5 days

Age Limits

From 8 weeks old to 8 years at policy inception (some breeds restricted to 5 years old at policy inception).

Excess

£90 standard Excess on each claim.

Payout Limits

£4,000 vet fees and accident related dental treatment cover. Cover for Complementary treatments, prescription diets and overseas travel up to various limits. 

Average Rating

4.3
Based on 104 reviews

Ranked

#7
7 of 19 insurers
Policy Type

Platinum Lifetime Cover

Waiting Periods

Illnesses 14 days, accidents or injury 5 days

Age Limits

From 8 weeks old to 8 years at policy inception (some breeds restricted to 5 years old at policy inception).

Excess

£90 standard Excess on each claim.

Payout Limits

£6,000 vet fees and accident related dental treatment cover. Cover for Complementary treatments, prescription diets and overseas travel up to various limits. 

Average Rating

4.3
Based on 104 reviews

Ranked

#7
7 of 19 insurers
Policy Type

Diamond Lifetime Cover

Waiting Periods

Illnesses 14 days, accidents or injury 5 days

Age Limits

From 8 weeks old to 8 years at policy inception (some breeds restricted to 5 years old at policy inception).

Excess

£90 standard Excess on each claim.

Payout Limits

£10,000 vet fees and accident related dental treatment cover. Cover for Complementary treatments, prescription diets and overseas travel up to various limits. 

Average Rating

4.5
Based on 2 reviews

Ranked

#15
15 of 19 insurers
Policy Type

Regular Lifetime Cover

Waiting Periods

Accidents are not covered in first 48 hours of policy start date. Illnesses are not covered in the first 14 days of a policy.

Age Limits

Cover available from 4 weeks of age. 

Excess

For cats under 9 years choose between no Excess or £69 Excess. 20% co-pay for each claim is also an option. £69 Excess for cats 9 years of age and over with 20% of each claim. 

Payout Limits

Lifetime cover with an annual vet fee claim limit of £7,000 which re-sets each year. Pre-existing conditions are not covered.

Average Rating

4.5
Based on 2 reviews

Ranked

#15
15 of 19 insurers
Policy Type

MoneyBack Lifetime Cover

Waiting Periods

Accidents are not covered in first 48 hours of policy start date. Illnesses are not covered in the first 14 days of a policy.

Age Limits

Cover available from 4 weeks of age. 

Excess

For cats up to 9 years £69 Excess with optional 20% co-pay if required. For cats 9 and over the Excess is £69 with 20% of each claim.  

Payout Limits

Lifetime cover with an annual vet fee claim limit of £7,000 which re-sets each year and 20% of your premiums back in cash every year if you don't claim. 

Average Rating

4.5
Based on 2 reviews

Ranked

#15
15 of 19 insurers
Policy Type

Complete Lifetime Cover

Waiting Periods

Accidents are not covered in first 48 hours of policy start date. Illnesses are not covered in the first 14 days of a policy.

Age Limits

Cover available from 4 weeks of age. 

Excess

For cats under 9 years choose between no Excess or £69 Excess. 20% co-pay for each claim is also an option. £69 Excess for cats 9 years of age and over plus 20% of each claim. 

Payout Limits

Lifetime cover with an annual vet fee claim limit of £15,000 with extras such as worldwide Travel cover and Lost or Stolen cover and behavioural and complementary treatments included as standard. Cover re-sets each year. 

Average Rating

1.7
Based on 332 reviews

Ranked

#5
5 of 19 insurers
Policy Type

Lifetime Cover

Waiting Periods

5 days for Accidents or injuries, 14 days for illnesses or cruciate ligament injuries.

Age Limits

From 4 weeks of age with no upper age limits.

Excess

Vet fee excess of £99 per condition in each policy year.

Payout Limits

The Lifetime Cover policy options are Super Lifetime cover with a maximum pay out limit of £1,000 per condition; Superior Lifetime cover with a maximum payout limit of £2,000 per condition; Superior Plus cover with a maximum pay out limit of £4,000 per condition and Prestige Lifetime cover offering a maximum pay out limit per condition of £6,000.

Average Rating

2.2
Based on 246 reviews

Ranked

#6
6 of 19 insurers
Policy Type

Premier Lifetime Cover

Waiting Periods

14 days from the inception date of the policy.

Age Limits

Cover pets from 8 weeks of age with no maximum age limit.

Excess

Choose from £60, £120 or £200 for each illness or accident claim per year. 

Payout Limits

Premier Lifetime Cover either £7,500 or £10,000 vet fee cover annually, depending on the policy you choose, not time limited. Cover re starts once policy is renewed so ongoing conditions are covered for life

Average Rating

2.2
Based on 136 reviews

Ranked

#8
8 of 19 insurers
Policy Type

Covered For Life

Waiting Periods

Injuries are covered immediately, Illness cover starts 14 days after policy inception.

Age Limits

From 6 weeks old or 8 weeks old if sold by a licenced breeder.

Excess

Variable fixed excess for Lifetime cover plus a 20% co-pay introduced at a cats 10th birthday.

Payout Limits

3 levels of Lifetime cover with maximum vet costs pay out limit options of £4,000, £7,000 or £12,000 per year.

Average Rating

1.9
Based on 140 reviews

Ranked

#9
9 of 19 insurers
Policy Type

Lifetime Premier Cover

Waiting Periods

48 hours for accidents, 14 days for cruciate ligament problems or any illnesses.

Age Limits

From 8 weeks of age . Cover for Death not applicable to pets 9 years of age or older.

Excess

£100 for each injury or accident and you can choose to pay a voluntary co-pay of either 10% or 20% of the remaining bill value if your pet is under 9, which might reduce your monthly premium. If your pet is 9 or older at policy inception you pay a compulsory excess of 20%.

Payout Limits

Cover options for each condition or illness vet fees of up to £4,000 with a £1,000 limit per condition, or £12,000 with a £4,000 limit per condition each year. Cover is provided until the limit is reached and is time limited but renews if the policy is renewed and there's no break in cover.

Average Rating

1.6
Based on 119 reviews

Ranked

#11
11 of 19 insurers
Policy Type

Essential Lifetime Cover

Waiting Periods

14 days for illness, 48 hours for death or injury.

Age Limits

From 8 weeks of age.

Excess

Variable. For pets over 9 years you pay a larger excess or 20% of the claim, whichever amount is greater.

Payout Limits

Total vet fee cover per year £3,000. Cover includes behavioural treatment, treatment food, complementary treatments and cover for lost or stolen pets up to certain limits within this maximum pay out limit.

Average Rating

1.6
Based on 119 reviews

Ranked

#11
11 of 19 insurers
Policy Type

Plus Lifetime Cover

Waiting Periods

14 days for illness, 48 hours for death or injury.

Age Limits

From 8 weeks of age.

Excess

Variable. For pets over 9 years you pay a larger excess or 20% of the claim, whichever amount is greater.

Payout Limits

Total vet fee cover per year £7,500. Cover includes behavioural treatment, treatment food, complementary treatments and cover for lost or stolen pets up to certain limits within this maximum pay out limit.

Average Rating

1.6
Based on 119 reviews

Ranked

#11
11 of 19 insurers
Policy Type

Premier Lifetime Cover

Waiting Periods

14 days for illness, 48 hours for death or injury.

Age Limits

From 8 weeks of age.

Excess

Variable. For pets over 9 years you pay a larger excess or 20% of the claim, whichever amount is greater.

Payout Limits

Total Vet fee cover per year £12,000. Cover includes behavioural treatment, treatment food, complementary treatments and cover for lost or stolen pets up to certain limits within this maximum pay out limit.

Average Rating

2.3
Based on 46 reviews

Ranked

#12
12 of 19 insurers
Policy Type

Platinum Lifetime Cover

Waiting Periods

10 days

Age Limits

From 8 weeks old to any age.

Excess

£65 for each incident or condition. You can choose to add additional voluntary excess amounts to reduce monthly costs.

Payout Limits

Lifetime Pet cover offering vet fee cover limit of £7,000 per year. Conditions claimed for under this policy will be covered in any subsequent year up to the total pay out limit of £7,000 as long as the policy remains in force with no breaks in cover. Theft or straying cover of £1,500. 

Average Rating

1.2
Based on 74 reviews

Ranked

#13
13 of 19 insurers
Policy Type

Lifetime Cover

Waiting Periods

14 days

Age Limits

Cover up to 8 years of age on standard policy and Senior policy for 8 years and over.

Excess

Variable Excess applicable and this insurer only pays a small contribution to vet fee consultation fees, hospitalisation fees, etc.

Payout Limits

Bronze £2,500 vet fees cover; Silver £5,000 vet fees cover; Gold £8,000 vet fees cover, and differing levels of cover for other items including death of pet. Cover renews with policy.

Average Rating

1.8
Based on 36 reviews

Ranked

#14
14 of 19 insurers
Policy Type

Lifetime Cover

Waiting Periods

15 days from inception of policy.

Age Limits

6 weeks of age to 9 years 11 months.

Excess

Excess fees are variable. Co-pay amounts vary as pets age.

Payout Limits

Lifetime cover options £4,000 or £6,000 vet fee cover with variable cover for loss, death, travel and Complementary Therapies and diet food.

Average Rating

3.0
Based on 2 reviews

Ranked

#17
17 of 19 insurers
Policy Type

Lifetime Cover

Waiting Periods

14 days for illness. 24 hours for accidents.

Age Limits

8 weeks with no upper age limit but 10% co-pay applied for pets over 6 years.

Excess

£85 for each illness or accidental injury. 

Payout Limits

Lifetime Cover options: Classic Lifetime cover of £2,500 per year for vet fees; Premier Lifetime cover of £5,000 per year for vet fees; Premier Plus cover of £10,000 per year for vet fees.

Average Rating

1.0
Based on 2 reviews

Ranked

#18
18 of 19 insurers
Policy Type

 Lifetime Cover

Waiting Periods

24 hours for accidents, 10 days for illness.

Age Limits

8 weeks to 8 years + Cover reduces for pets over 8 years of age.

Excess

The excess is £100. If pet is over 6 years the excess applies to each illness or accident plus you pay 20% of the remaining costs of treatment.

Payout Limits

Limits are per each unrelated accident, injury or illness and vary by treatment type, diagnostic test type and by condition type. Choose between limits for vet fees of £3,000 renewable cover on Silver Plus plan and £5,000 renewable vet fee cover on Gold Plus plan.

Maximum Benefit policies will pay for claims for any one condition up to an agreed limit and then that condition is no longer covered and will be treated as a pre-existing condition.

Average Rating

4.5
Based on 2 reviews

Ranked

#15
15 of 19 insurers
Policy Type

Pre-existing Condition Cover 

Waiting Periods

Accidents are not covered in first 48 hours of policy start date. Illnesses are not covered in the first 14 days of a policy.

Age Limits

Cover available from 4 weeks of age. 

Excess

Pre-existing Condition Cover: £99 for each claim. For cats under 9 years you can also pay 20% of each claim if you choose to. For cats 9 or older you must pay 20% of each claim and can choose to pay 40% of each claim. 

Payout Limits

Maximum Benefit cover offering £7,000 vet fee cover per condition with £500 cover for pre-existing conditions in year 1 of the policy and £1,000 cover in year 2. Cover includes Lost or Stolen cover, Travel cover and complementary treatments limit. 

Average Rating

4.5
Based on 2 reviews

Ranked

#15
15 of 19 insurers
Policy Type

Fixed for Life Cover

Waiting Periods

Accidents are not covered in first 48 hours of policy start date. Illnesses are not covered in the first 14 days of a policy.

Age Limits

Cover available from 4 weeks of age to 2 years of age. 

Excess

Fixed for Life Cover: £69 Excess per illness or accident.

Payout Limits

Policy premiums are fixed for the life of the policy and will never go up. The policy offers £7,000 vet fee cover per condition with an overall claim limit of £20,000. Once this overall limit is reached the policy will end. This policy is for pets of 2 years of age or less only. Complementary treatment cover, Lost and Stolen cover, Farewell and end of life cover as standard. 

Average Rating

1.7
Based on 332 reviews

Ranked

#5
5 of 19 insurers
Policy Type

Maximum Benefit Cover

Waiting Periods

5 days for Accidents or injuries, 14 days for illnesses or cruciate ligament injuries.

Age Limits

From 4 weeks of age with no upper age limits.

Excess

Vet fee excess of £99 per condition in each policy year.

Payout Limits

The Maximum Benefit Policy options offer Lifetime pay out limits per condition of either £1,000 in the Max Value cover; £2,000 in the Max Plus cover and £4,000 in the Max Extra cover policy.

Average Rating

2.2
Based on 246 reviews

Ranked

#6
6 of 19 insurers
Policy Type

Maximum Benefit Extra Cover

Waiting Periods

14 days from the inception date of the policy.

Age Limits

Cover pets from 8 weeks of age with no maximum age limit.

Excess

Choose from £60, £120 or £200 for each illness or accident. 

Payout Limits

Extra Maximum Benefit cover of £4,000 or £7,500 cover options for each accident, illness or ongoing condition. Once the limit is reached the cover stops for that condition.

Average Rating

1.9
Based on 140 reviews

Ranked

#9
9 of 19 insurers
Policy Type

Maximum Value Classic Cover

Waiting Periods

48 hours for accidents, 14 days for cruciate ligament problems or any illnesses.

Age Limits

From 8 weeks of age . Cover for Death not applicable to pets 9 years of age or older.

Excess

£100 for each injury or accident and you can choose to pay a voluntary co-pay of either 10% or 20% of the remaining bill value if your pet is under 9, which might reduce your monthly premium. If your pet is 9 or older at policy inception you pay a compulsory excess of 20%.

Payout Limits

Cover options for each condition or illness for vet fees up to £4,000 or £8,000. Cover is provided until the limit is reached and is not time limited. Once limit is reached for a condition it is no longer covered by the policy.

Average Rating

1.7
Based on 140 reviews

Ranked

#10
10 of 19 insurers
Policy Type

Premier and Premier Plus Cover Maximum Benefit cover

Waiting Periods

14 days

Age Limits

From 8 weeks to 9 years of age. If insurance is purchased before your pet's 9th birthday there is no upper age to renewals if there are no breaks in cover.

Excess

A fixed excess per condition deducted from the first claim for each separate illness, injury or condition. Under certain conditions you also pay a percentage of the remaining claim amount in addition to the excess.

Payout Limits

£7,500 or £13,000 vet fee limit per condition policy options (Maximum Benefit Policy) until limit is reached while policy remains active with no breaks in cover.

Average Rating

1.2
Based on 74 reviews

Ranked

#13
13 of 19 insurers
Policy Type

Maximum Benefit Cover

Waiting Periods

14 days

Age Limits

Cover up to 8 years of age on standard policy and Senior policy for 8 years and over.

Excess

Variable Excess applicable and this insurer only pays a small contribution to vet fee consultation, hospitalisation fees, etc.

Payout Limits

Bronze £2,000 vet fee cover; Silver £4,500 vet fee cover; Gold cover £7,500 vet fee cover, and differing levels of cover for other items including death of pet.

Average Rating

1.8
Based on 36 reviews

Ranked

#14
14 of 19 insurers
Policy Type

Condition Care

Waiting Periods

15 days from inception of policy.

Age Limits

6 weeks of age to 9 years 11 months.

Excess

Excess fees are variable. Co-pay amounts vary as pets age.

Payout Limits

Condition Care Policy offers £3,000 limit for each unrelated illness or accident with some cover for loss, death, travel, complementary Therapies and diet food.

Average Rating

3.0
Based on 3 reviews

Ranked

#16
16 of 19 insurers
Policy Type

Advanced Maximum Benefit Cover

Waiting Periods

14 days

Age Limits

Cover available from 8 weeks of age to 11 years.

Excess

£80 excess for vet fees. Optional voluntary excess of £160. 

Payout Limits

£8,000 per condition with no time limit including £1,000 dental cover.

Average Rating

3.0
Based on 2 reviews

Ranked

#17
17 of 19 insurers
Policy Type

Maximum Benefit per Condition

Waiting Periods

14 days for illness. 24 hours for accidents.

Age Limits

8 weeks with no upper age limit but 10% co-pay applied for pets over 6 years.

Excess

£85 for each illness or accidental injury.

Payout Limits

Standard Maximum Benefit Cover £2,500 per condition.

Average Rating

1.0
Based on 2 reviews

Ranked

#18
18 of 19 insurers
Policy Type

Accident and Illness Maximum Benefit Cover

Waiting Periods

24 hours for accidents, 10 days for illness.

Age Limits

8 weeks to 8 years + Cover reduces for pets over 8 years of age.

Excess

The excess is £100. If pet is over 6 years the excess applies to each illness or accident plus you pay 20% of the remaining costs of treatment. 

Payout Limits

Limits are per each unrelated accident, injury or illness and vary by treatment, diagnostic test, condition and policy type. Limits for vet fees are £1,000 maximum benefit per each condition for Bronze cover, £3,000 maximum benefit per each condition for Silver cover and £5,000 maximum benefit per each condition in Gold cover.

Time Limited policies provide cover for a set period of time for any one condition. Cover is usually limited to a total value of cover per condition, too.  You can claim for treatment for any particular condition or accident for a set time period, and then cover stops. This condition is then considered a pre-existing condition and is no longer covered.

Average Rating

4.3
Based on 104 reviews

Ranked

#7
7 of 19 insurers
Policy Type

12 Month Time Limited Silver Plan

Waiting Periods

Illnesses 14 days, accidents or injury 5 days

Age Limits

From 8 weeks old to 8 years at policy inception (some breeds restricted to 5 years old at policy inception).

Excess

£90 standard Excess on each claim.

Payout Limits

£2,000 vet fees and accident related dental treatment cover. Cover for Complementary treatments, prescription diets and overseas travel up to various limits. 

Average Rating

4.5
Based on 2 reviews

Ranked

#15
15 of 19 insurers
Policy Type

Value Cover 

Waiting Periods

Accidents are not covered in first 48 hours of policy start date. Illnesses are not covered in the first 14 days of a policy.

Age Limits

Cover available from 4 weeks of age. 

Excess

£69 Excess with optional 20% co-pay if required. For cats 9 and over £69 Excess plus 20% of each claim.

Payout Limits

Time limited cover offering £3,000 claim limit per condition or for 12 months from diagnosis, which ever is reached sooner. Once the limit for a condition is reached it becomes a pre-existing condition and will not be covered again until your cat has been treatment and advice free for 24 months. 

Average Rating

1.7
Based on 332 reviews

Ranked

#5
5 of 19 insurers
Policy Type

Time Limited Cover

Waiting Periods

5 days for Accidents or injuries, 14 days for illnesses or cruciate ligament injuries.

Age Limits

From 4 weeks of age with no upper age limits.

Excess

Vet fee excess of £99 per condition in each policy year.

Payout Limits

Time Limited policy options of annual vet fees pay out limit choices of £3,000 for the Basic cover; £4,000 for Basic Plus cover; £7,000 for Prime cover and £10,000 for Prime Plus cover. All have different annual per condition limits.

Average Rating

2.2
Based on 246 reviews

Ranked

#6
6 of 19 insurers
Policy Type

Standard Time Limited Cover

Waiting Periods

14 days from the inception date of the policy.

Age Limits

Cover pets from 8 weeks of age with no maximum age limit.

Excess

Choose from £60, £120 or £200 excess for each illness or accident. 

Payout Limits

£3,000 vet fee cover for 12 months from first occurrence for injuries or illnesses.

Average Rating

2.2
Based on 136 reviews

Ranked

#8
8 of 19 insurers
Policy Type

12 Month Cover

Waiting Periods

Injuries are covered immediately, Illness cover starts 14 days after policy inception. 

Age Limits

From 6 weeks old or 8 weeks old if sold by a licenced breeder.

Excess

Variable fixed excess for the Essential 12 month cover policy and 20% co-pay is introduced at the cats 8th Birthday.

Payout Limits

£3,000 vet costs cover available through 12 month policy.

Average Rating

1.9
Based on 140 reviews

Ranked

#9
9 of 19 insurers
Policy Type

Time Limited Basic Cover

Waiting Periods

Accidents 48 hours from policy start date, 14 days for cruciate ligament problems or any illnesses.

Age Limits

From 8 weeks of age . Cover for Death not applicable to pets 9 years of age or older.

Excess

£100 for each injury or accident and you can choose to pay a voluntary co-pay of either 10% or 20% of the remaining bill value if your pet is under 9, which might reduce your monthly premium. If your pet is 9 or older at policy inception you pay a compulsory excess of 20%.

Payout Limits

Total vet fees up to £1,500 or £3,000 per illness or injury for up to 12 months. Cover for each condition is limited to 12 months from onset or until your limit is reached.

Average Rating

1.7
Based on 140 reviews

Ranked

#10
10 of 19 insurers
Policy Type

Standard Time Limited Cover

Waiting Periods

14 days

Age Limits

From 8 weeks to 9 years of age. If insurance is purchased before your pet's 9th birthday there is no upper age to renewals if there are no breaks in cover.

Excess

A fixed excess per condition deducted from the first claim for each separate illness, injury or condition. Under certain conditions you also pay a percentage of the remaining claim amount in addition to the excess.

Payout Limits

£3,000 limit for vet fees for any condition in 12 months from start of illness or condition if policy remains in force. Once limit or time period is reached that condition will no longer be covered on renewal of policy.

Average Rating

2.3
Based on 46 reviews

Ranked

#12
12 of 19 insurers
Policy Type

Time Limited Gold Cover

Waiting Periods

10 days

Age Limits

From 8 weeks old to any age.

Excess

£65 for each incident or condition. You can choose to add additional voluntary excess amounts to reduce monthly costs.

Payout Limits

Vet fee cover limit of £4,000 per condition within 12 months from first claim for that condition. Once the limit is reached or 12 months elapses the condition is no longer covered and will not be covered on renewal.  

Average Rating

2.3
Based on 46 reviews

Ranked

#12
12 of 19 insurers
Policy Type

Time Limited Silver Cover

Waiting Periods

10 days

Age Limits

From 8 weeks old to any age.

Excess

£65 for each incident or condition. You can choose to add additional voluntary excess amounts to reduce monthly costs.

Payout Limits

Vet fees cover limit of £2,500 per condition within 12 months from first claim for each incident or condition. Once the limit is reached or 12 months elapses the condition is no longer covered and will not be covered on renewal.

Average Rating

1.2
Based on 74 reviews

Ranked

#13
13 of 19 insurers
Policy Type

Time Limited Cover

Waiting Periods

14 days

Age Limits

Cover up to 8 years of age on standard policy and Senior policy for 8 years and over.

Excess

Variable Excess applicable and this insurer only pays a small contribution to vet fee consultation, hospitalisation fees, etc.

Payout Limits

Bronze £1,500 vet fee cover; Silver £4,000 vet fee cover; Gold £6,000 vet fee cover, and differing levels of cover for other items including death of pet.

Average Rating

1.8
Based on 36 reviews

Ranked

#14
14 of 19 insurers
Policy Type

Time Care (Limited) Cover.

Waiting Periods

15 days from inception of policy.

Age Limits

Cats covered from 6 weeks of age to 9 years 11 months. 

Excess

Excess fees are variable. Co-pay amounts vary as pets age.

Payout Limits

TimeCare policy offers £1,000 or £3,000 limit options for each illness for 12 months from onset of a condition.

Average Rating

3.0
Based on 3 reviews

Ranked

#16
16 of 19 insurers
Policy Type

Essential Time Limited Cover

Waiting Periods

14 days

Age Limits

Cover available from 8 weeks of age to 11 years.

Excess

£80 excess for vet fees. Optional voluntary excess of £160. 

Payout Limits

£4,000 per condition for 12 months from first date of treatment.

Average Rating

3.0
Based on 2 reviews

Ranked

#17
17 of 19 insurers
Policy Type

Time Limited (12 months)

Waiting Periods

14 days for illness. 24 hours for accidents.

Age Limits

8 weeks with no upper age limit but 10% co-pay applied for pets over 6 years.

Excess

£85 for each condition.

Payout Limits

12 month Time Limited Value Cover limit of £2,000 per condition for 12 months from first on-set of each condition.

Accident only policies cover claims related to accidents only and does not cover illnesses. 

Average Rating

4.8
Based on 211 reviews

Ranked

#4
4 of 19 insurers
Policy Type

Accident Only

Waiting Periods

N/A

Age Limits

8 weeks to less than 10 years at the start of cover.

Excess

£69, £109 or £149 options plus £20 extra if customer chooses to have pet treated at a vet outside the Vetsure network.

Payout Limits

Up to £2,000 per accidental injury, per year.

Average Rating

1.7
Based on 332 reviews

Ranked

#5
5 of 19 insurers
Policy Type

Accident Only Cover

Waiting Periods

5 days for Accidents or injuries, 14 days for illnesses or cruciate ligament injuries.

Age Limits

From 4 weeks of age with no upper age limits.

Excess

Vet fee excess of £99 per condition in each policy year.

Payout Limits

Accident Only policy offers £2,500 cover per accident, per year with a lifetime limit of £15,000.

Average Rating

2.2
Based on 246 reviews

Ranked

#6
6 of 19 insurers
Policy Type

Accident Only Cover

Waiting Periods

14 days from the inception date of the policy.

Age Limits

Cover pets from 8 weeks of age with no maximum age limit.

Excess

Choose from £60, £120 or £200 excess for each illness or accident. 

Payout Limits

£3,000 cover for 12 months from occurrence of injury.

Average Rating

1.9
Based on 140 reviews

Ranked

#9
9 of 19 insurers
Policy Type

Accident Only

Waiting Periods

Accidents in first 48 hours from policy start date.

Age Limits

From 8 weeks of age

Excess

£100 for each injury or accident and you can choose to pay a voluntary co-pay of either 10% or 20% of the remaining bill value if your pet is under 9, which might reduce your monthly premium. If your pet is 9 or older at policy inception you pay a compulsory excess of 20%.

Payout Limits

Vet fees for accidents up to a total pay out limit of £2,500. Treatment for each condition is limited to 12 months and then ceases for that injury. Illnesses and cruciate ligament injuries are not covered.

Average Rating

1.2
Based on 74 reviews

Ranked

#13
13 of 19 insurers
Policy Type

Accident Only Cover

Waiting Periods

14 days

Age Limits

Cover up to 8 years of age on standard policy and Senior policy for 8 years and over.

Excess

Variable Excess applicable and this insurer only pays a small contribution to vet fee consultation, hospitalisation fees, etc.

Payout Limits

Vet fees cover £3,000, hydrotherapy £250 maximum claim, £45 per vet consultation in connection with the injury and £40 towards hospitalisation fees.

Average Rating

3.0
Based on 2 reviews

Ranked

#17
17 of 19 insurers
Policy Type

Accident Only Cover

Waiting Periods

24 hours for accidents.

Age Limits

8 weeks with no upper age limit but 10% co-pay applied for pets over 6 years.

Excess

£85 for each illness or accidental injury. 

Payout Limits

Accident only £3,500 per incident.

Average Rating

1.0
Based on 2 reviews

Ranked

#18
18 of 19 insurers
Policy Type

Accident Only Cover

Waiting Periods

24 hours for accidents, 10 days for illness.

Age Limits

8 weeks to 8 years + Cover reduces for pets over 8 years of age.

Excess

The excess is £100. If pet is over 6 years the excess applies to each illness or accident plus you pay 20% of the remaining costs of treatment.

Payout Limits

Limits are for all claims relating to accidents or injuries and vary by treatment type and diagnostic test type. Vet fees limit is £2,000 renewable annually with lower limits for complementary treatments, scans, cruciate ligament injuries and dentistry claims.

Advertiser Disclosure: 

All information displayed is summarised from the insurer’s sites in November 2018. In order to receive an accurate quotation for the insurance type you are considering you must request your own quotation from each company of interest using your own details and those of your pet. 

All policies are subject to exclusions and conditions. Please consult each insurer’s policy terms and conditions documents for full details. Symphony Digital Ltd cannot be held responsible for any inaccuracies or omissions from the information listed above or elsewhere on this site.    

The Company receives compensation from the third parties (Partner Insurers) included on this site which includes payment for sales generated by users clicking through buttons on this Website to the insurers site and completing a purchase. 

We display the insurers in the comparison tables in order of their Ranking score with those from whom we receive payments (Partner Insurer) appearing above those with whom we have no relationship. Each insurers Rank is calculated using a “weighted average” calculation which accounts for the overall rating out of 5 given in each review received for that insurer and the number of reviews for that insurer as a proportion of all reviews received. This ensures insurers with a more statistically valid review score appear ahead of those with only a few reviews. 

We receive payment from advertisers to feature in emails we send to users who have opted in to receive offers from third parties. It is this compensation and the payment for each policy bought from our partner insurers that enables Company to provide you with services at no cost. We strive to provide a wide array of offers, but our offers do not represent all available pet insurance companies or products.