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Cat insurance reviews

Our unique cat insurance reviews rate the quality of different types of cat insurance policy, helping you pick the cover you need.

There are a vast array of cat insurance policies out there, making it tough to figure out which one is right for your kitty.

Which? is here to help.

We've analysed more than 40 cat insurance policies to give you a shortcut to getting the best one based on the quality of cover. 

Our policy scores are made up of Which?'s expert views on the amount of cover you get for vet bills, along with seven other elements of a policy. The higher the score, the better we've rated the policy. 

And check out Which?'s cat food reviews to see how we've rated top brands of cat food to see how they stack up when compared to a premium product.

Which? members can login to see the results of our analysis.

If you’re not already a member, you can sign up to a two month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Which? members can read:

  • The full results from our analysis of over 40 different cat insurance policies, including our unique policy scores
  • A full breakdown of how each pet insurer is rated for customer service, value for money, transparency of charges, experience with making claims and much more.
  • Individual overviews of each provider, revealing everything from the deals they offer to how thousands of real customers rate different aspects of their service.
  • Access to the Which? Money Helpline, where you can get one-to-one telephone help on anything from tax to travel insurance from one of our experienced helpline staff.

John Lewis, Direct Line, Petplan, M&S Bank and LV are all included in the survey.

Cat insurance: find the best policy

Dog insurance reviews
Provider/policy Vet fee cover Maximum age limit Third party liability Death from illness
or accident
Policy score Customer score
Annual cover (Lifetime cover)
Subscriber only content £12,000 No upper age limit £3 million £1,500a 94% 55%
Subscriber only content £12,000 No upper age limit £3 million £2,000a 94% 49%
Subscriber only content £12,000 8/9 years oldb £3 million £2,000e 92% 60%
Subscriber only content £10,000 8 years old £3 million £1,500 86% 66%
Subscriber only content £7,500 No upper age limit £2 million £1,000a 85% 55%
Subscriber only content £7,000 No upper age limit £2 million £1,500a 84% 36%
Subscriber only content £7,000 8 years old £2 million £1,500e 79% 60%
Subscriber only content £10,000 No upper age limit £1.75 million £1,000 72% 55%
Subscriber only content £7,000 No upper age limit £1.5 million £750 64% 55%
Subscriber only content £10,000 No upper age limit £2 million £1,500 58% 52%
Subscriber only content £4,000 8 years old £2 million £1,500e 53% 60%
Subscriber only content £4,000 No upper age limit £1 million £600 45% 36%
Subscriber only content £3,000 No upper age limit £1 million £500a 44% 55%
Per condition per year (Lifetime cover)
Subscriber only content £6,000 No upper age limit £2 million £1,500f 88% 55%
Subscriber only content £4,000 No upper age limit £1.75 million £1,000f 75% 55%
Subscriber only content £2,000 No upper age limit £1.5 million £750f 46% 55%
Subscriber only content £1,000 No upper age limit £1.5 million £500 39% 55%
Per condition (Non-lifetime cover)
Subscriber only content £13,000 9 years old £2 million £1,500h 78% 43%
Subscriber only content £7,500 9 years old £2 million £1,500h 75% 43%
Subscriber only content £7,500 No upper age limit £2 million £1,500i 69% 52%
Subscriber only content £8,000 No upper age limit £2 million £1,000a 67% 49%
Subscriber only content £4,000 No upper age limit £1.75 million £1,000 42% 55%
Subscriber only content £2,000 No upper age limit £1.5 million £750 31% 55%
Subscriber only content £1,000 No upper age limit £1.5 million £500 24% 55%
Time-limited per condition (Non-Lifetime cover)
Subscriber only content £3,000 No upper age limit £2 million £1,500 39% 52%
Subscriber only content £3,000 9 years old £1 million £1,000h 38% 43%
Subscriber only content £4,000 No upper age limit £1 million £500 37% 55%
Subscriber only content £3,000 No upper age limit £3 million £1,000 35% 60%
Subscriber only content £2,500 No upper age limit £2 million £1,500 33% 66%
Subscriber only content £3,000 No upper age limit £1 million £500 30% 49%
Subscriber only content £3,000 No upper age limit £1 million £350 30% 55%
Subscriber only content £3,000 No upper age limit £1 million £600 30% 36%
Policies ranked by policy score. Customer scores are from a survey of 1,343 policyholders. See our guide to pet insurance for more on the customer score results.

a Death by illness only available up to 9 years old.
b Maximum age of acceptance for the policy is 8 or 9 years depending on the breed of the dog.
c Death by illness only available up to 8 or 9 years depending on the breed.
d Maximum age of acceptance for the policy is 8 or 5 years for select breeds.
e Death by illness only available up to 8 or 5 years depending on the breed.
f Death by illness only available up to 7 years old.
g This policy has a total annual vet fee cap of £4,000.
h Death by illness only available up to 9 years old or 5 years old for selected breeds.
i Death by illness only available up to 8 years old.
j Premiums are collected in, equal periods of 28 days (a lunar month); renewing continually at the conclusion of each period subject to receipt of premium.
k Pets older than eight can opt for the senior policy, which offers the same level of cover except that you have to pay 35% of a claim.
l This policy has a total annual vet fee cap of £10,000.
m This policy has a total annual vet fee cap of £7,000.
n This policy has a total annual vet fee cap of £3,500.
o This policy has a total annual vet fee cap of £3,000.
p NFU Mutual's pet cover is only available to its home insurance policyholders
q Maximum age of acceptance is 6 years for some breeds