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We sell a policy every two minutes ^

Protecting customers with insurance since 2001

Cat walking on sofa.

Cat insurance

Access to qualified vet nurses, any time, any day

    • Our Premier cover is 5 Star Defaqto rated*
    • We pay 9 out of 10 customers' claims**
    • We can pay your vet directly
Cat walking on sofa.

Subject to vet agreement, excess applies.

Keep them purring with MORE THAN cat insurance

Cats are independent creatures and love nothing more than exploring the great outdoors. Once in a while, they may come home with an unexpected injury or illness that needs vet attention. Cat insurance can help you with the unexpected vet costs to get them back on their paws. Choose between our 4 cover levels to see what cover best suits your purring pal.

Cat insurance cover levels

Accident only

With our lowest level of cover your cat will be covered for unexpected mishaps. You’ll be able to claim vet fees for a period of 12 months from the first date of treatment for an accident or until the vet fee limit is reached, whichever happens first. If you make a claim and have any remaining cover benefits you wish to use in the next policy year, you must renew your policy with us and there must be no break in cover.

Basic

Also known as Time Limited. Your cat will be covered for accidents or illness for a period of 12 months from the first date of treatment or until the vet fee limit is reached, whichever happens first. If you make a claim and have any remaining cover benefits you wish to use in the next policy year, you must renew your policy with us and there must be no break in cover.

Classic

Also known as Maximum Benefit. Your cat will be covered for accidents or illness up to your chosen vet fees limit for each condition, until the limit is reached. If you make a claim or have any remaining cover benefits you wish to use in the next policy year, you must renew your policy with us and there must be no break in cover.

Premier

Also known as Lifetime. Your cat is covered for accidents and illnesses (including one-off, reoccurring and ongoing) up to your chosen vet fee limit each year, as long as you renew each year and there's no break in cover.

Vet fees limit £2,500

Vet fees limit £1,500 or £3,000

Vet fees limit £4,000 or £8,000

Vet fee limit £1,000, £2,000, £4,000 or £6,000 for each accident or illness each year.

Accidental damage

Accidental damage

Accidental damage

Accidental damage

Emergency boarding

Emergency boarding

Emergency boarding

Emergency boarding

Optional

Lost and found cover

Optional

Lost and found cover

Lost and found cover

Lost and found cover

Pets abroad cover

Optional

Pets abroad cover

Pets abroad cover

Pets abroad cover

Complementary treatment cover

Complementary treatment cover

Complementary treatment cover

Complementary treatment cover

Optional

Farewell cover

Optional

Farewell cover

Optional

Farewell cover

Farewell cover

Premier policies bought before 20 March 2022

If you took out a pet insurance policy with us before 20 March 2022, different limits may apply. 

If your policy has both a total vet fee limit as well as a limit per accident or illness, then both these limits will apply until notified at renewal. Depending on the level of cover selected, your policy will either be subject to a total vet fee limit of £4,000 (with each accident or illness limited to £1,000 of vet treatment) or £12,000 (with each accident or illness limited to £4,000 of vet treatment) each year.

If your policy has a total vet fee limit only, then this will remain unchanged. 

More details on the vet fees limits that apply to your policy can be found in your schedule, or your policy documents. If you're unsure, get in touch.

Cover for your feline family

Cat insurance is there for you and your cat when you both need it most, giving you added peace of mind.

Complementary treatments cover

If your cat isn't feeling themselves and your vet recommends alternative treatments, such as physiotherapy or osteopathy through a qualified practitioner, our complementary treatments cover may support you both throughout their recovery. This is included with our Basic, Classic and Premier cover levels.

Lost and found cover

If your cat has been gone longer than usual, you may claim towards the cost of advertising or cash rewards offered for their safe return with our lost and found cover. This is included with our Classic and Premier cover levels, and can be added to our Accidents Only and Basic cat insurance.
Cat insurance Defaqto 2022

The experts really rate our cat insurance

We got top marks from Defaqto* for giving our customers' feline friends support in their time of need.

Why choose MORE THAN cat insurance?

Whichever cover level you choose, you and your cat will receive these great benefits:

More cats, more savings

Receive a 10% multi-pet discount for each pet that you insure on the same policy with our multi-pet discount. Multiple discounts applied consecutively.

Pets abroad cover

Pack up the whole family for your next adventure. We cover your cat for healthcare and emergency expenses in certain European countries. Excludes Accident Only cover and is optional for Basic cover. Conditions and exclusions apply.

Claims made easy

When times get tough, we can help with our easy claims process. Ask your vet to assist with your claims form and, if they agree, we can pay them directly. Excess applies.

Access to expert vet nurses

If you have any questions or concerns about your cat, you have freephone access to qualified vet nurses any time, any day with vetfone.

Ready to start a cat insurance quote?

Cat playing with ball of wool.

The cost of cat insurance

  • Age: older cats are more likely to experience health problems which can cause your cat insurance to increase in price.
  • Breed: pedigree cats can be more expensive to insure and some breeds can be more prone to illnesses. This can impact the cost of your cat insurance.
  • Cover: MORE THAN cat insurance offers 4 different cover level options to choose from. The cost of each option can vary in cost due to the level of cover given.
  • Claims: cats are naturally adventurous creatures. Sometimes, their adventures can end in an injury or illness. If you need to make a claim on your cat insurance to help towards vet fees, your renewal price may increase as a result.

Cat insurance and vet fees

When your cat is unwell or suffers an injury, cat insurance can help with vet fees letting you focus on getting your cat back on their paws. Our vets have shared some common cat accidents and illnesses and what they can cost you+.

“Hyperthyroidism is the most claimed disease in cats. It affects older cats and can be treated with medication, surgery, or radiation. The average cost is £825 based on 417 claims, with radiation treatment being significantly higher.”

“Urinary obstruction is a very painful condition where cats struggle to urinate due to a blockage. Often affecting younger cats, this requires urgent vet care and can reoccur.
The average cost is £1,543 based on 65 claims and often requires a short period of hospitalisation.”

“Cats love to go outside. But as they are territorial animals, they can get into fights with other cats. A bad flight could result in abscesses, liquid pockets of infection, developing from scratches or bites. These can be painful and need surgical intervention with an average cost of £539 based on 51 claims.”

How to start a cat insurance quote

We just need a few details about you and your cat or kitten before we can give you a personalised insurance quote, such as:

About your cat or kitten

  • Name
  • Breed
  • Date of birth (they must be at least 8 weeks old)
  • Whether they've been spayed or neutered
  • If they live at your home address with you
  • If they are to be used for breeding purposes
  • If they are healthy or have any pre-existing conditions

About you

  • Name
  • Age (you must be over 18)
  • Address
  • The date you'd like your policy to start
  • Contact details
  • Whether you're the owner and keeper of the cat or kitten you want to insure
  • That you have had an insurance policy declared void or cancelled by an insurer

Ready to start a cat insurance quote?

Keep all your cats covered together with multi-pet insurance

Is more than one cat roaming your house? With a multi-pet insurance policy, cover your cats under one policy and receive a 10% discount for each cat. Saving you precious time and money.

Ready to start a cat insurance quote?

Important information

*Our Defaqto rating applies to Premier £4,000 and £12,000, and Classic £8,000.

**MORE THAN claims data January to December 2021.

+MORE THAN pet claims data 1 January 2018 to 28 April 2021. 
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