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Best cat insurance policies 2025

We analysed 189 cat insurance policies, comparing 38 features of each, to find the best for you
Dean SobersSenior researcher & writer
A man and a cat touch foreheads affectionately, surrounded by greenery and warm indoor lighting.

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Why you can trust our cat insurance reviews

Expert analysis

We've compared 38 policy features, including cover for pre-existing medical conditions, boarding fees and dental treatment.

Best Buys

We've picked policies with high minimum cover levels, from insurers with good records for claims acceptance and complaints.


Best UK cat insurance policies compared

  • Want the best cat insurance policy or insurer? Use our tables below, then go to Stickee.com or another comparison site, or you can go direct to the insurer.
  • Want the cheapest cat insurance policy or insurer? Follow the links to Stickee.com, or another comparison site, to get a list of policies. Then check what the policies scored by searching our tables.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

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Lifetime Plus £15,000
83%Lifetime - an annual limit which renews each yearN/A

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best buy
Lifetime Premium £20,000
81%Lifetime - an annual limit which renews each year68%
Lifetime Plus £11,000
81%Lifetime - an annual limit which renews each yearN/A
Lifetime Plus £12,000
81%Lifetime - an annual limit which renews each yearN/A
Lifetime Plus £13,000
81%Lifetime - an annual limit which renews each yearN/A
Lifetime Plus £14,000
81%Lifetime - an annual limit which renews each yearN/A
Complete Care £20,000
80%Lifetime - an annual limit which renews each year56%
Lifetime £12,000
80%Lifetime - an annual limit which renews each year54%
best buy
Lifetime £16,000
78%Lifetime - an annual limit which renews each yearN/A
Lifetime Plus £6,000
78%Lifetime - an annual limit which renews each yearN/A
Lifetime Plus £7,000
78%Lifetime - an annual limit which renews each yearN/A
Lifetime Plus £8,000
78%Lifetime - an annual limit which renews each yearN/A
Lifetime Plus £9,000
78%Lifetime - an annual limit which renews each yearN/A
Lifetime Plus £10,000
78%Lifetime - an annual limit which renews each yearN/A
best buy
Covered For Life £12,000
78%Lifetime - an annual limit which renews each year64%
best buy
Lifetime Complete £15,000
77%Lifetime - an annual limit which renews each year68%
Lifetime £6,000
77%Lifetime - an annual limit which renews each year54%
Lifetime £8,000
77%Lifetime - an annual limit which renews each year54%
Lifetime £10,000
77%Lifetime - an annual limit which renews each year54%
Complete Care £15,000
77%Lifetime - an annual limit which renews each year56%
Premier £6,000
76%Lifetime - an annual limit per condition which renews each year, with no overall annual limitsN/A
best buy
Lifetime Plus £12,500
76%Lifetime - an annual limit which renews each year68%
best buy
Lifetime £12,000
76%Lifetime - an annual limit which renews each yearN/A
Lifetime Plus £5,000
76%Lifetime - an annual limit which renews each yearN/A
Lifetime (PCWs) £15,000
75%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime Prestige £6,000
75%Lifetime - an annual limit per condition which renews each year, with no overall annual limits59%
best buy
Covered For Life £7,000
75%Lifetime - an annual limit which renews each year64%
best buy
Lifetime £18,000
75%Lifetime - an annual limit which renews each year59%
Lifetime £5,000
75%Lifetime - an annual limit which renews each year54%
best buy
Gold £12,000
74%Lifetime - an annual limit which renews each yearN/A
best buy
Home Cat Lifetime Plus £12,500
73%Lifetime - an annual limit which renews each year68%
best buy
Lifetime £6,500
73%Lifetime - an annual limit which renews each year68%
best buy
Lifetime £8,000
73%Lifetime - an annual limit which renews each yearN/A
Lifetime £16,000
73%Lifetime - an annual limit which renews each yearN/A
Lifetime (PCWs) £11,000
73%Lifetime - an annual limit which renews each yearN/A
Lifetime (PCWs) £12,000
73%Lifetime - an annual limit which renews each yearN/A
Lifetime (PCWs) £13,000
73%Lifetime - an annual limit which renews each yearN/A
Lifetime (PCWs) £14,000
73%Lifetime - an annual limit which renews each yearN/A
Standard Care Pre-existing £7,000
72%Lifetime - an annual limit which renews each year56%
best buy
Lifetime £11,000
72%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime Complete £10,000
72%Lifetime - an annual limit which renews each year68%
best buy
Silver £6,000
72%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime £8,000
71%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime Care £7,500
70%Lifetime - an annual limit which renews each year68%
Lifetime Plus £4,000
70%Lifetime - an annual limit which renews each yearN/A
Lifetime (PCWs) £6,000
70%Lifetime - an annual limit which renews each yearN/A
Lifetime (PCWs) £7,000
70%Lifetime - an annual limit which renews each yearN/A
Lifetime (PCWs) £8,000
70%Lifetime - an annual limit which renews each yearN/A
Lifetime (PCWs) £9,000
70%Lifetime - an annual limit which renews each yearN/A
Lifetime (PCWs) £10,000
70%Lifetime - an annual limit which renews each yearN/A
best buy
Home Cat Lifetime £6,500
70%Lifetime - an annual limit which renews each year68%
best buy
Lifetime £10,000
70%Lifetime - an annual limit which renews each year59%
best buy
Lifetime £10,000
69%Lifetime - an annual limit which renews each yearN/A
Standard Care £7,000
69%Lifetime - an annual limit which renews each year56%
Standard Care £10,000
69%Lifetime - an annual limit which renews each year56%
best buy
Lifetime £6,000
69%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime £7,500
69%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime £8,000
69%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime £10,000
69%Lifetime - an annual limit which renews each yearN/A
Lifetime £4,000
69%Lifetime - an annual limit which renews each year54%
best buy
Lifetime £6,000
69%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime £7,500
69%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime £7,000
69%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime £6,000
69%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime £7,000
69%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime £8,000
69%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime £10,000
69%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime Care £5,000
68%Lifetime - an annual limit which renews each year68%
best buy
Lifetime £5,000
68%Lifetime - an annual limit which renews each yearN/A
best buy
Permanent Health £4,000
68%Lifetime - an annual limit per condition which renews each year, with no overall annual limitsN/A
Lifetime (PCWs) £5,000
67%Lifetime - an annual limit which renews each yearN/A
Platinum (Lifetime) £10,000
67%Lifetime - an annual limit which renews each yearN/A
best buy
Covered For Life £4,000
67%Lifetime - an annual limit which renews each year64%
Lifetime £10,000
67%Lifetime - an annual limit which renews each yearN/A
Premier £4,000
67%Lifetime - an annual limit per condition which renews each year, with no overall annual limitsN/A
best buy
Lifetime £8,000
67%Lifetime - an annual limit which renews each yearN/A
best buy
Lifetime £10,000
67%Lifetime - an annual limit which renews each yearN/A
Lifetime £7,500
67%Lifetime - an annual limit which renews each yearN/A
Lifetime £6,000
67%Lifetime - an annual limit which renews each yearN/A
Lifetime £5,000
67%Lifetime - an annual limit which renews each yearN/A
Lifetime £5,000
67%Lifetime - an annual limit which renews each yearN/A
Lifetime £5,000
66%Lifetime - an annual limit which renews each yearN/A
Lifetime £5,000
65%Lifetime - an annual limit which renews each year59%
Lifetime Superior Plus £4,000
65%Lifetime - an annual limit per condition which renews each year, with no overall annual limits59%
Lifetime £5,000
64%Lifetime - an annual limit which renews each yearN/A
Lifetime £4,000
64%Lifetime - an annual limit which renews each yearN/A
Lifetime £4,500
63%Lifetime - an annual limit which renews each yearN/A
Lifetime £4,000 (direct only)
63%Lifetime - an annual limit which renews each yearN/A
Lifetime (PCWs) £4,000
62%Lifetime - an annual limit which renews each yearN/A
Gold (Lifetime) £5,000
62%Lifetime - an annual limit which renews each yearN/A
Essential Care £5,000
62%Lifetime - an annual limit which renews each year56%
Lifetime £4,000
61%Lifetime - an annual limit which renews each yearN/A
Lifetime £4,000
61%Lifetime - an annual limit which renews each yearN/A
Lifetime £4,000
60%Lifetime - an annual limit which renews each year59%
Lifetime £4,000
59%Lifetime - an annual limit which renews each yearN/A
Silver (Lifetime) £4,000
57%Lifetime - an annual limit which renews each yearN/A
Lifetime Plus £3,000
57%Lifetime - an annual limit which renews each yearN/A
Essential Care £4,000
56%Lifetime - an annual limit which renews each year56%
Lifetime £3,000
56%Lifetime - an annual limit which renews each year54%
Lifetime £3,500
55%Lifetime - an annual limit which renews each yearN/A
Lifetime £3,500
53%Lifetime - an annual limit which renews each yearN/A
Permanent Health £3,000
53%Lifetime - an annual limit per condition which renews each year, with no overall annual limitsN/A
Lifetime Lite £3,000
51%Lifetime - an annual limit which renews each year68%
Bronze £3,000
50%Lifetime - an annual limit which renews each yearN/A
Maximum Benefit £6,000
50%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Maximum Benefit £7,500
50%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Max Benefit £6,000
50%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Lifetime Care £3,000
49%Lifetime - an annual limit which renews each year68%
Lifetime (PCWs) £3,000
49%Lifetime - an annual limit which renews each yearN/A
Maximum Benefit £5,000
49%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Lifetime £3,000
49%Lifetime - an annual limit which renews each yearN/A
Maximum Benefit £5,000
48%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Lifetime £3,000
48%Lifetime - an annual limit which renews each yearN/A
Max Benefit £5,000
47%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Lifetime £3,000
47%Lifetime - an annual limit which renews each yearN/A
Classic £8,000
47%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Lifetime £3,000
47%Lifetime - an annual limit which renews each yearN/A
Maximum Benefit £4,000
46%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Lifetime Plus £2,000
46%Lifetime - an annual limit which renews each yearN/A
Lifetime £3,000
45%Lifetime - an annual limit which renews each year59%
Lifetime £3,000
45%Lifetime - an annual limit which renews each yearN/A
Lifetime £2,000
45%Lifetime - an annual limit which renews each year54%
Max Extra £4,000
44%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excluded59%
Essential Care £3,000
43%Lifetime - an annual limit which renews each year56%
Bronze (Lifetime) £3,000
43%Lifetime - an annual limit which renews each yearN/A
Classic £4,000
43%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Lifetime £2,500
42%Lifetime - an annual limit which renews each yearN/A
Premier £2,000
40%Lifetime - an annual limit per condition which renews each year, with no overall annual limitsN/A
Lifetime £2,500
40%Lifetime - an annual limit which renews each yearN/A
Permanent Health £2,000
40%Lifetime - an annual limit per condition which renews each year, with no overall annual limitsN/A
Lifetime Care £2,000
39%Lifetime - an annual limit which renews each year68%
Lifetime (PCWs) £2,000
38%Lifetime - an annual limit which renews each yearN/A
Time-limited £3,000
38%Time limited - pays out for a claim or condition for a limited period of time, after which it is excluded54%
Lifetime £2,000
38%Lifetime - an annual limit which renews each yearN/A
Max Benefit £3,000
37%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Lifetime £2,000
37%Lifetime - an annual limit which renews each yearN/A
Lifetime Superior £2,000
37%Lifetime - an annual limit per condition which renews each year, with no overall annual limits59%
Standard £4,000
37%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Time-limited £5,000
36%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Maximum Benefit £3,000
36%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Time-limited £2,500
36%Time limited - pays out for a claim or condition for a limited period of time, after which it is excluded54%
Essential £3,000
36%Time limited - pays out for a claim or condition for a limited period of time, after which it is excluded64%
Lifetime £2,000
36%Lifetime - an annual limit which renews each yearN/A
Lifetime £2,000
36%Lifetime - an annual limit which renews each yearN/A
Time-limited £5,000 (direct only)
36%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Time-limited £4,000
35%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Lifetime £2,000
35%Lifetime - an annual limit which renews each year59%
Lifetime £2,000
34%Lifetime - an annual limit which renews each yearN/A
Lifetime Plus £1,000
34%Lifetime - an annual limit which renews each yearN/A
Time-limited £4,000
34%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Time-limited £4,000
34%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Time-limited £5,000
34%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Time-limited Prime Plus £4,000
34%Time limited - pays out for a claim or condition for a limited period of time, after which it is excluded59%
Lifetime £1,000
33%Lifetime - an annual limit which renews each year54%
Time-limited £1,500
33%Time limited - pays out for a claim or condition for a limited period of time, after which it is excluded54%
Essential Care £2,000
33%Lifetime - an annual limit which renews each year56%
Blue (Lifetime) £2,000
32%Lifetime - an annual limit which renews each yearN/A
Standard £3,000
32%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Time-limited £1,000
31%Time limited - pays out for a claim or condition for a limited period of time, after which it is excluded54%
Time-limited £3,000
31%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Time-limited £3,000
30%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Max Benefit £2,000
30%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Veteran £4,000
30%Accident only/accident & injury onlyN/A
Extra (Time-limited) £4,000
30%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Max Plus £2,000
29%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excluded59%
Standard £2,000
29%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Basic £3,000
28%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Time-limited £2,000
28%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Veteran £3,000
27%Accident only/accident & injury onlyN/A
Time-limited £2,500
27%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Premier £1,000
27%Lifetime - an annual limit per condition which renews each year, with no overall annual limitsN/A
Lifetime (PCWs) £1,000
27%Lifetime - an annual limit which renews each yearN/A
Time-limited £2,000
27%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Time-limited £2,000
26%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Time-limited Prime £2,000
26%Time limited - pays out for a claim or condition for a limited period of time, after which it is excluded59%
Veteran £2,000
25%Accident only/accident & injury onlyN/A
Time-limited £2,000
25%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Lifetime £1,000
24%Lifetime - an annual limit which renews each yearN/A
Lifetime £1,000
24%Lifetime - an annual limit which renews each yearN/A
Maximum Benefit £1,000
23%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excludedN/A
Essential (Time-limited) £2,000
23%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Lifetime £1,000
23%Lifetime - an annual limit which renews each yearN/A
Basic £1.5,000
23%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Lifetime £1,000
23%Lifetime - an annual limit which renews each yearN/A
Lifetime Super £1,000
22%Lifetime - an annual limit per condition which renews each year, with no overall annual limits59%
Time-limited £1,000
22%Time limited - pays out for a claim or condition for a limited period of time, after which it is excludedN/A
Essential Care £1,000
22%Lifetime - an annual limit which renews each year56%
Lifetime £1,000
22%Lifetime - an annual limit which renews each year59%
Max Value £1,000
21%Max benefit' - a fixed available amount per condition over the pet's life. Once the limit is reached the condition is excluded59%

Lifetime policies: These cover your pet for any conditions it develops during the life of the policy. Some have overall 'annual limits' (these renew each year). Others have separate annual limits 'per condition' – with no overall yearly limit. Others have an annual limit – while also having lower 'condition limits'.

Table note: Tables last updated in December 2025 – check policies before buying. Based on expert analysis of pet insurance policies, see full methodology below.

*Following an intellectual property dispute, this insurer is now called Petgevity (previously Petsure).

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Best Buy cat insurance policies

In total, we named 37 cat policies as Which? Best Buys. Here we take a deeper look at the three highest-scoring Best Buys —  find the rest in the table above:

best buy

Agria, Lifetime Premium £20,000

Agria's policy is our highest-rated Best Buy for cats,  with a massive annual vet fee limit of £20,000. The provider also had the highest Customer score. 

Policy score

81%

2

of 189 cat insurance policies

best buy

Petplan, Covered For Life £12,000

Petplan's Covered For Life £12,000 policy soared ahead in our analysis and it was one of the higher scoring providers in our customer survey.

Policy score

78%

9

of 189 cat insurance policies

best buy

Napo, Lifetime £16,000

Napo offers lifetime policies with levels ranging from £4,000-£16,000. Those from £8,000 and higher were Best Buys.

Policy score

78%

21

out of 189 cat insurance policies

How can you save money on cat insurance?

1. Find out the needs of your cat breed

According to the Association of British Insurers, the value of the average pet insurance claim in 2024 was £685. Factoring in the possibility of you needing to make multiple claims, and the fact that vets' prices are rising, we don't recommend polices that would pay less than £2,000 annually.

But all pets are different, so it's important to understand your pet's needs to be sure you get adequate cover.

Cats are generally cheaper to insure than dogs, but can still be prone to chronic conditions, such as hyperthyroidism, later in life. And certain breeds can have more expensive health needs than others.

Talk to your vet about common conditions and what level of cover they recommend.

2. Buy insurance when your cat is healthy

This might seem counterintuitive, but as most policies exclude pre-existing conditions, buying early means you're maximising the cover your pet will get.

3. Make sure your cat is up to date on its jabs

Make sure your cat gets the appropriate inoculations and injections, including boosters, to minimise the chance of getting an illness that could lead to expensive premiums.

4. Get your cat microchipped

Since June 2024, it's been a legal requirement for your cat to be microchipped. If you've not done this, it could affect your cover with insurers.

5. Pay annually (if you can)

Your insurer may charge you interest if you pay monthly, rather than annually, which can be surprisingly expensive.

6. Haggle at renewal

If the insurer increases your cat's premiums without good reason, call it to discuss prices. It might be open to negotiation. 

key information

Why should you trust Which? research?

We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.

'Could you self-insure your cat?'

Dean Sobers, Which? insurance expert, says:

Dean Sobers

You're not legally required to have cat insurance, so it's your choice as to whether you want to fork out for premiums.

With no NHS for cats – and some vet procedures costing thousands of pounds – insurance means you'll have significantly less to worry about if your cat requires expensive medical treatment.

The main downside is that cat cover can also be fairly pricey (especially for older cats), and exclusions or high compulsory excesses can chip away at the policy's value.

One alternative is 'self-insuring' — in other words, paying for your cat's medical care out of savings. If you choose this option, it's worth putting aside regular amounts into a savings account (or even better, a cash Isa) so you have a growing fund to help pay for steep vet bills.

Check you're getting a great deal and search for a new pet insurance policy using the service provided by Stickee. Get a quote now.

 Types of cat insurance

 About Which? cat insurance research

In November 2025, we analysed 180 cat insurance policies. We examined the amounts they paid out in vet fees and other benefits they provide, including costs for holiday cancellation, dental cover, and advertising and reward costs to help find your cat if it goes missing.

To create a policy score, we compared 37 policy features, plus the amount each pays in vet fees. The higher the score, the more comprehensive the policy's cover.

Our Best Buys are all lifetime policies that did well in our analysis, scoring at least 67%. In addition:

  • each will pay out a minimum of £2,000 a year in vet fees. 
  • each will pay out a minimum of £1,000 for any single condition in a year, if an annual condition limit applies.
  • they all provide dental cover for both accidents and illnesses.

Customer service

In October 2025, we carried out a survey of 1,156 Which? members that own pet insurance. Customers were asked how satisfied they were with their provider, and how likely they would be to recommend it. We used answers to these questions to generate our customer score.

Customer Score sample sizes: Agria (71), Animal Friends (93), John Lewis (47), LV (78), Many Pets (137), Petplan (322), Sainsbury's (37) and Tesco Insurance (57). 

We didn't receive enough respondents in our customer survey to provide customer scores for each brand considered. This means we can't assess the levels of service for each Best Buy provider. However, we haven't included providers we were able to rate that received poorer-than-average customer or claims scores. We've additionally not included other providers that, at the time of the analysis, had a poorer-than-average complaints record with the Financial Ombudsman Service.

We've also examined data published by the Financial Conduct Authority on how often pet insurers have accepted claims and how often customers making claims complained to the insurer. We've not given our Best Buy award to providers shown to accept fewer than average numbers of claims or where 10% or more claimants made a complaint. 

  

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