The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Average Cost of Cat Insurance 2020

Compare Cheap Pet Insurance

Pet cover can help with vet bills. Protect your beloved cat today.

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The cost of pet insurance for a cat starts from around £125 a year (£10 a month) for Lifetime cover. But prices vary depending on the age and breed of your cat, as well as factors like the level of cover and type of pet insurance you choose.

Contents

Pet insurance can help you pay for vet bills in case your cat is injured in an accident or falls ill, needing treatment. But how much should you expect to pay for the best cat insurance?

Average Cost of Cat Insurance

The cost of cat insurance starts from around £10 a month, with female cats costing around 5% less to insure than males. According to our research, Lifetime cover is not only the "best" type of cover (since the vet limits renew each year), but it also offers good value for money.

We gathered cheap cat insurance quotes for different types of pet insurance—Time Limited, Maximum Benefit and Lifetime—for a young, healthy British Shorthair cat fropm our comparison site partner Compare Cover, taking the average of the cheapest 5 quotes with at least £2,000 of cover. Here's what we found:

Average Cost of Cheap Cat Insurance, per monthMaleFemale
Time Limited£8.14£8.02
Per Condition£11.14£10.29
Lifetime£10.59£10.20
Average£9.96£9.50

On an annual basis, pet insurance costs start from around £125 a year for a young, healthy cat covered by a Lifetime policy. While Time Limited plans cost a touch less, they aren't good for covering long-term or recurring conditions since they restrict reimbursement to 12 months from the start of a condition (and this counts for both sides of the body).

chart showing how much pet owners will pay for cat insurance
How much is cat insurance?

Comparing Vet Fee Limits

Not surprisingly, the cost of car insurance rises with the level of vet fee cover. In particular, costs jump significantly for policies with more than £6,000 of cover as you can see below. Regardless of your budget, plans offering £3,000 - £5,000 of cover are generally good value for money.

chart showing average cost of cat insurance in the UK by coverage limit
Cat insurance costs jump over £6,000 of cover

How Much is Pet Insurance for Older Cats?

The cost of pet insurance will rise with your pet's age, usually doubling by age 10 all else equal. As cats grow older they—like their owners—are more likely to have serious health issues. The insurance companies know this and offset higher expected claims with larger premiums for that portion of a cat's life.

Monthly Cost of Cheap Cat Insurance by Age (British Shorthair)
Kitten£11.61
1 year£11.71
3 years£11.86
5 years£13.17
7 years£14.33
9 years£20.02
11 years£22.94
13 years£26.75
chart showing how much pet owners will pay for cat insurance by pet age for older pets
How much is pet insurance for older cats?

Two ways to reduce the cost of health insurance for older cats are opting for a Time Limited or Max Benefit plan instead of Lifetime cover (read about the differences here) or choosing a higher excess and/or paying a variable excess in addition to the fixed excess. Before choosing a higher excess, we urge you to read the Pros and Cons of a Higher Excess on Pet Insurance.

How Much is Cat Insurance by Breed?

Ever-popular moggies cost less to insure than most pedigree cats, and some breeds of cat cost more to insure than others—but there's less variation between breeds for cats than for dogs. For example, pet insurance costs around 30% more for a Siamese, Persian or Maine Coon compared to a moggy.

To see how much more insurance for some breeds cost than others, we gathered sample quotes for 12 popular cats in the UK. Prices reflect the average of the 5 cheapest quotes from our comparison site partner Compare Cover for policies with at least £3,000 of Lifetime cover for a one-year-old cat.

Cost of Cheap Cat Insurance by Breed (age 1 year)per monthper year
Moggy£10.69£128.30
British Shorthair£11.80£141.55
Bengal£12.26£147.17
Scottish Fold£12.58£150.98
Burmese£12.61£151.37
Shpynx£12.61£151.37
Norwegian Forest£12.64£151.73
Russian Blue£12.65£151.85
Ragdoll£12.72£152.62
Siamese£13.07£156.89
Persian£13.66£163.92
Maine Coon£14.05£168.62
chart showing how much pet owners will pay for cat insurance by breed
The cost of cat insurance varies marginally by breed

If you have yet to buy a cat and are just researching the costs of cat ownership you may want to keep in mind how insurance costs vary by breed and especially by gender, particularly if you are very budget conscious. Over one year of cat ownership, the difference in insurance premiums paid for a Lifetime plan can reach £125 or more between a male cat and female cat. Over a theoretical 12-year lifetime, the owner of a male cat could pay £1,250 more in insurance premiums than the owner of a female cat.

For more information on good pet insurance options at reasonable prices, see our article on Best Pet Insurance.

FAQs

Pet insurance for a cat in the UK starts from around £10 a month or £125 a year, for Lifetime cover. Compare quotes now.
Visit our pet insurance comparison partner Compare Cover to get started comparing the market for cat insurance quotes now. One form to fill out and takes only 2 minutes.
Many pet insurers offer a multi-pet discount if you have 2 cats, or more!
Since the majority of visits to the vet are driven by a cat being ill (not injured), pet insurance for a cat is just as important if your cat lives inside.

Comments

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.