If your feline friend became ill or was injured, would you be able to afford the vet bills for the treatment it needed? Taking out cat insurance gives you peace of mind that you would be covered if this were to happen to your cat or kitten.
| Name | Logo | Excess | Vet Fees | 3rd Party Cover | GMG Rating | CTA | Feature | Expand |
|---|---|---|---|---|---|---|---|---|
 | Excess £0 | Vet Fees £15,000 | 3rd Party Cover 83% | GMG Rating | Regulation:
| Petgevity Review: Lifetime pet cover that goes the extra mile Summary Petgevity is a UK pet insurance provider specialising in lifetime cover, widely considered the most comprehensive type of pet insurance because it pays out year after year for ongoing conditions. The brand was formerly known as Petsure before rebranding in 2025, and is part of the Staysure Group, a well-established name in UK insurance. Where Petgevity stands out is in its inclusivity. Unlike many rivals, it does not impose an upper age limit, and it will consider pets with pre-existing conditions through its “Lifetime Plus” policies. That makes it attractive for owners of older pets or breeds prone to hereditary conditions, where many insurers simply refuse cover. Customers can choose annual vet fee limits between £1,000 and £15,000, and policies can be tailored with or without an excess or “bill share.” Optional add-ons cover dental illness, complementary therapy, behavioural treatment, overseas travel, and even farewell cover (euthanasia costs). Another strength is added value. All policies include 24/7 video vet consultations via FirstVet, giving owners immediate access to professional advice without a trip to the surgery. Multi-pet discounts are also available, and policies can be managed online, which keeps the admin simple. How Petgevity compares to competitors Compared with other leading pet insurers, Petgevity sits in the upper middle ground. It is more flexible than budget providers like Animal Friends, who often exclude chronic or pre-existing conditions, and offers more customisation than Waggel, which takes a one-size-fits-all approach. Its benefits are comparable to ManyPets, another strong choice for lifetime cover and pre-existing conditions. Where Petgevity falls short is in claims performance. Independent research by Which? found Petgevity paid 83% of claims in 2023, against an industry average of 95%. That doesn’t mean most claims fail—thousands of customers report smooth, fast payouts—but it does suggest stricter policy definitions or exclusions than some rivals. It’s also worth noting that customer feedback shows premiums can rise sharply at renewal, particularly for older pets or after a claim. Customer experience and reputation On Trustpilot, Petgevity scores around 4.3 out of 5 from thousands of reviews, with 80% rating it excellent. Many highlight friendly, responsive staff and claims settled within a week. However, a minority report frustration with price hikes and claim denials over what the insurer deems pre-existing. Reviews on Smart Money People echo this picture: generally positive, but with enough negative feedback to make prospective customers cautious about reading the small print. Is Petgevity a good pet insurance provider? Petgevity is a strong choice for pet owners who want lifetime protection, tailored policies, and cover for pets often excluded elsewhere. Its extras, such as 24/7 vet video calls, are genuinely useful, and its flexibility on pre-existing conditions makes it stand out. However, its claims ratio lags behind the best in the market, and the possibility of steep renewal increases should be factored into budgeting. For pet owners who want certainty of cover and are prepared to pay for peace of mind, Petgevity is a competitive, feature-rich option worth considering alongside rivals like ManyPets and Waggel. Pros
Cons
Overall4.2 |
What is cat insurance?
Cat insurance pays out to cover the vet bills you need to pay if your cat is ill or injured, to avoid you having to stump up the hundreds or even thousands of pounds they could cost. You can choose to take out an accident-only policy or cover for illnesses as well, which is more expensive.
Depending on the policy, it can also cover advertising to help you find your cat if it’s lost or stolen, or compensation if it isn’t found, cattery fees if you can’t look after it for any reason, third-party liability if your cat causes damage to property or injury to others, the cost of putting your cat to sleep if necessary, and compensation if it dies.
You can also add cover for taking your cat abroad with you on holiday or if you need to cancel your holiday because something happens to your cat.
Pros:
- Cat insurance covers you if you need to get veterinary treatment for your cat so you don’t have to find large sums to pay vet bills unexpectedly.
- You can choose to have less cover, such as for accidents only, to keep costs down if necessary.
Cons:
- If you need to claim, you’ll have to pay a certain amount of it yourself, known as the excess. This helps to reduce the cost of your policy and could apply to each claim or just once a year if you claim more than once. With some policies, you also have to make a co-payment, which is a percentage of the remaining claim once the excess has been deducted. So if the treatment is expensive, you could have to pay a significant amount.
- Pre-existing conditions – anything that occurred before you took the policy out – aren’t covered but you can pay more for a policy from a specialist insurer if you do want to cover any.
How does cat insurance work?
As with other types of insurance, you pay a monthly or annual premium to an insurer in return for financial protection if you need to pay for veterinary treatment for your cat if it’s ill or injured. All policies have annual limits on how much you can claim and sometimes limits for each condition as well or instead.
If you choose to take out cover for illnesses as well as accidents, there are three options:
- Time limited – you can claim for a particular condition for a limited period, such as 12 months, up to the cover limit, but can’t claim for it again after that.
- Maximum benefit – you can claim for a particular condition up to a certain amount of money but there’s no time limit. Once you’ve reached the limit, you won’t be able to claim for the condition again, even if you renew your policy with the same insurer.
- Lifetime – this is the most expensive and covers you for any condition throughout your cat’s life, so you can claim for it again if the condition recurs. There will be an overall annual limit or per-condition limit, which means you won’t be able to claim for more money than this each year, but the limit will reset when you renew the policy.
What Is The Cheapest Cat Insurance Comparison Site?
We gathered cat insurance quotes from the four biggest price comparison sites – Compare the Market, Confused.com, GoCompare and MoneySuperMarket – for three different scenarios to give you an idea of how much you might pay and how quotes differ.
| Cat Insurance Comparison Site | 2-month-old | 3-year-old | 6-year-old | Comparison site rewards | Customer Reviews |
|---|---|---|---|---|---|
 | £142.14 (Pet-insurance.co.uk), excess £130 per condition per year plus 5% of the remaining amount of each claim, £3,500 annual limit | £131.62 (Pet-insurance.co.uk), excess £130 per condition per year plus 5% of the remaining amount of each claim, £3,500 annual limit | £157.24 (4Paws), excess £85 per condition per year plus 30% of the remaining amount of each claim, £4,000 annual limit | 2 for 1 cinema tickets on Tuesdays and Wednesdays; discounts on takeaway food and eating out | (Based on 1 reviews) |
 | £152.99 (4Paws), excess £85 per condition per year, £4,000 annual limit | £150.77 (Bought by Many), excess £99 per year plus 20% of the remaining amount of each claim, £3,000 annual limit | £174.46 (Bought by Many), excess £99 per year plus 20% of the remaining amount of each claim, £3,000 annual limit | None | (Based on 1 reviews) |
 | £152.99 (4Paws), excess £85 per condition per year, £4,000 annual limit | £146.18 (4Paws), excess £85 per condition per year, £4,000 annual limit | £157.24 (4Paws), excess £85 per condition per year, £4,000 annual limit | None | (Based on 0 reviews) |
 MoneySuperMarket | £152.99 (4Paws), excess £85 per condition per year, £4,000 annual limit | £152.99 (4Paws), excess £85 per condition per year, £4,000 annual limit | £196.58 (4Paws), excess £85 per condition per year, £4,000 annual limit | None | (Based on 0 reviews) |
Notes: Quotes gathered on 24 June 2021 for a policy starting on 1 July 2021.
As you can see in the table above, quotes can vary widely from different comparison sites for the same scenario. This could be because of the different deals they have with insurers or because they’re quoting you for a slightly different policy.
For this reason, it’s a good idea to use more than one comparison site to find the best price for you. The site that gives you the cheapest quote one day also won’t necessarily give you the cheapest on another as prices can change frequently.
Methodology: The quotes are the lowest on each comparison site for lifetime cover for accident and illness for a 2-month-old, 3-year-old and 6-year-old male British shorthair bought for £800. Policies have at least £3,000 of cover per year, with either no per-condition limit or one that is the same as the annual limit.
Prices are per year. The cheapest quotes for each scenario are shown in bold.
Some comparison sites offer rewards when you take out certain types of insurance with them. Compare the Market is the only one of the four we looked at to give you rewards for taking out cat insurance.
Cat Insurance FAQs:
From our research Compare The Market was consistently cheapest for cat insurance from kittens to old cats.
You should use two or three comparison sites to get the full picture, and make sure you’re comparing like for like in terms of what’s covered, the excess, cover limits and any extras that are included.
Before you take a policy out, make sure it suits your needs rather than choosing one based on price alone or any rewards you’ll get from the comparison site.
Compare the Market works with the most pet insurers at 32, while MoneySuperMarket works with 24, Confused.com works with 23, and GoCompare works with 21. A comparison site being able to gather quotes from more insurers doesn’t mean they’ll offer you the cheapest price though.
Based on our scenarios above, you can get insurance for a 3-year-old cat for less than £132 a year. You would pay even less if you took out time-limited or maximum-benefit cover instead of a lifetime policy.
According to Compare the Market data from November 2020, you could pay as little as £81, based on 50% of customers being able to achieve a quote of £80.76 per year across all types of cat insurance.
Aspects that affect the price of your policy include your cat’s age, its breed – as some are more prone to falling ill with certain conditions than others – and where you live, but these are things you can’t change.
You can choose to pay a higher excess or make a co-payment, take out a policy with lower per-condition or annual limits, or take out accident-only cover to reduce the price you pay. If you have more than one pet, you can also save money by taking out multi-pet insurance rather than a separate policy for each one.
Making sure your cat’s vaccinations are up to date and that it’s microchipped is also likely to give you cheaper insurance.
Cat insurance is designed to cover unexpected injuries or illnesses that occur after you take the policy out. It doesn’t cover pre-existing conditions as standard, routine or preventative treatment, such as vaccinations, or pregnancy and birth.
Instead of paying premiums to an insurer, you could save money into a savings account to help you pay for vet treatment if your cat needs it, but there’s a risk you won’t have enough money to cover the bills.
If you’re on a low income and on certain benefits, you may be able to get free or low-cost treatment for your cat through animal charities such as Blue Cross and the People’s Dispensary for Sick Animals (PDSA).
Yes – cat insurance is affordable and means you won’t have to cover huge vet bills yourself if your cat is ill or injured. Just make sure you get a policy that suits your needs and shop around to get the best price.