Cat insurance
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Do you have pet insurance with us?
Visit our existing customer page to find out how to make changes to your policy. You can also read our FAQs for answers to key questions.
Cat insurance to suit your pet
Our cat insurance is here to help:
Choice of vet fee limits
Choose a vet fee limit to suit you, with different amounts for each cover level.
Help with medication costs
Your cover includes the cost of vet prescribed medication.
Physiotherapy and more
We'll cover treatments such as physiotherapy and homeopathy when recommended by a vet.
We can settle most vet bills directly
Saving you the hassle and expense of upfront payments. Subject to vet agreement. Excess applies.
Why it's worth getting cat insurance
Choose from our 3 cover levels
Basic, also known as Time Limited:
- Covers for each new accident or illness within a defined period
- This will be for 12 months from either the first clinical signs or first treatment until the vet fee limit is reached whichever happens first
Classic, also known as Maximum Benefit:
- Covers vet fees up to your chosen vet fee limit for each new accident or illness
- If you renew your policy without a break in cover, there is no time limit in which you can use your vet fee limit
Premier, also known as Lifetime cover:
- Covers vet fees up to your chosen limit
- If you renew your policy without a break in cover, the vet fee limit resets each year
Compare our cat insurance cover levels
Basic (Time Limited) |
Classic (Maximum Benefit) |
Premier (Lifetime) |
Vet fees limit |
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Vet fees limit |
Vet fees limit |
Vet fees limit |
Vet fees limit |
Accident cover |
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Accident cover |
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Illness cover |
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Illness cover |
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Third party liability (for dogs) |
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Third party liability (for dogs) |
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Accidental damage |
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Accidental damage |
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Dental – Accident only |
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Dental – Accident only |
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Dental – Accident and Illness* |
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Dental – Accident and Illness* |
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Emergency boarding |
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Emergency boarding |
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Lost and found cover |
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Lost and found cover |
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Pets abroad cover |
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Pets abroad cover |
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Complementary treatment cover |
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Complementary treatment cover |
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Farewell cover |
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Farewell cover |
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*Dental care up to £2,000. Your cat must have a dental check every 12 months.
After your cat has had their first check and any necessary work has been completed, we pay for treatment for tooth decay or gum disease that occurs before the next 12 month check or at the time of the next check.
- For teeth or gums that have been damaged in an accident
- If an underlying illness causes tooth decay or gum disease
- To remove teeth to treat an illness that is not gum disease or tooth decay
Getting your cat insurance quote
We just need a few details about you and your cat or kitten. This includes both your names, age, address and your cat's breed, plus the following:
About your cat or kitten
- 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
Personal information
- 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
- If you have had an insurance policy declared void or cancelled by an insurer
Ready to start a cat insurance quote?
Experts rate our Premier insurance
Defaqto** has awarded our pet insurance a 5 Star Rating. Proving that we offer one of the highest quality options available for your furry friend.
15% discount for additional cats
If you have more than one cat at home, you could save time and money by insuring them on the same policy. With our multi-pet policy you'll receive a 15% discount for each cat you insure
We don't offer cover for general dental hygiene and care. Cover for teeth and gums that are damaged in an accident is included in all three of our cover levels.
You can still get pet insurance with MORE THAN, but it will not cover pre-existing conditions. These are health issues, concerns, illnesses and injuries which have developed or are showing signs of developing which you or your vet were aware of before you took out the policy.
Yes - we have no upper age limit on the cats we insure.
Yes, you can insure multiple cats with our multi-pet option. You can insure as many as 5 cats on one policy online or up to 10 cats through our call centre. For each cat (or dog) you add, you will receive a 15% discount. The discount is applied automatically.
No - unfortunately, we are unable to insure breeders.
When buying a pet insurance policy, you might qualify for more than one of our discounts. You do not need to do anything; we will apply any discounts from your final quote automatically.
Consecutively means we will apply the discounts one at a time.
Your cat is unique, which is why we give personalised quotes depending on your cat and their needs. There are a few things that will impact the cost of your insurance:
- Age: This is because older cats are more likely to experience health problems
- 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 3 different cover level options to choose from. The cost of each option can vary due to the level of cover given
- Claims: Cats are naturally adventurous creatures. Sometimes their adventures can lead to 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
- Location: Where you live can affect how much you pay for vet fees. Generally, fees are higher in towns and cities compared to rural areas
Indoor cats can still have accidents or develop illnesses. Without insurance you would need to pay vet bills, which can add up to high amounts. At MORE THAN, we have 3 levels of cover to choose from for your cat or kitten.
Important information
Your renewal price may increase each year, and your co-insurance amount will be applied at the renewal following your pets 9th birthday. If a claim is paid, the price you will pay next year can double. There is no limit to how much your reneweal price can increase.
** Our Defaqto Rating applies to Premier £1,000, £2,000, £4,000 and £6,000, and Classic £8,000