Why choose our cat insurance?

Whichever cover level you choose, you and your cat will receive these great benefits:
More cats, more savings

Receive a 10% multi-pet discount for each pet that you insure on the same policy with our multi-pet discount.

A welcome discount

If you're a new MORE THAN customer, you can enjoy a welcome 25% off online discount. 

Claims made easy

When times get tough, we can help with our easy claims process. Ask your vet to assist with your claims form and, if they agree, we can pay them directly.

Access to expert feline vet nurses

If you have any questions or concerns about your cat, you have freephone access to qualified veterinary nurses any time, any day with vetfone.

Multiple discounts applied consecutively.

Our cat insurance cover levels

Choose between our 4 levels of cover.

The cost of looking after your pet's health doubles every 4 to 5 years. That's why your renewal price increases each year and your excess will increase when your pet turns 9. If a claim is paid, the price you will pay next year can double.

It's important you budget for renewal prices to increase as your pet gets older, there is no limit to how much your renewal price can increase over time.

Protect your feline family

Cat insurance is there for you and your cat when you both need it most, giving you added peace of mind.

More care

If your cat isn't feeling themselves and your vet recommends alternative treatments, such as physiotherapy or osteopathy through a qualified practitioner, our complementary treatments cover may support you both throughout their recovery. This is included with our Basic, Classic and Premier cover levels.

More cover

If your cat has been gone longer than usual, you may claim towards the cost of advertising or cash rewards offered for their safe return with our lost and found cover. This is included with our Classic and Premier cover levels, and can be added to our Accidents Only and Basic pet insurance.

A few things you need to know

To become a MORE THAN cat insurance customer, you and your pet will need to meet some conditions. A few examples of these are:
Your pet

> Must be at least 8 weeks old

> Must live with you at your home address

> Is not used for breeding (this means not used for breeding more than 2 times in its life)

> Is not used as a business, to make money or earn an income


> Must be the owner and keeper of the pet

> Must be over 18

> Must live in the UK, Isle of Man or Channel Islands

> Must never have had an insurance policy declared void or cancelled by an insurer

Get in touch with us if you have any questions about the eligibilty of you and your pet.

On average 93% of all claims are paid.

We can pay your vet direct. Subject to your vet’s agreement, excess applies. MORE THAN claims January 2019 - December 2019.

Common cat treatments and costs

Even though cats are agile animals, they can sometimes feel under the weather and get injured just like us.

When they're not feeling themselves, it's best to understand the different treatments and vet costs that your cat insurance can help cover. To aid your cat's recovery, we've shared the average costs and examples of accidents, short-term illnesses and ongoing treatments for cats in our handy list here:

Unexpected accidents Average 
Accidents £644


Short-term illnesses Average
Vomiting £590
Weight loss £587
Respiratory condition £726
Loss of appetite £577
Lethargy £546



Ongoing treatment Average
Thyroid issues £798
Kidney/Renal Disease £705
Lameness £493
Kidney/Renal Failure £651
Cystitis £398

Source: all treatment costs paid in 2018 for policies underwritten by RSA, including MORE THAN.

Getting started with your cat insurance quote

We just need some details about you and your cat or kitten before we can give you an insurance quote, these include.

About your cat or kitten:

  • Name
  • Breed
  • Date of birth
  • Whether they've been neutered/spayed

About you:

  • Name
  • Address (must live in the UK, isle of Man or Channel Islands)
  • The date you'd like your policy to start
  • Contact details
Start a quote

Rewards that help towards your renewal

Purchase cat insurance today and you could join our exciting loyalty programme MORE THAN REWARDS.

Earn cash rewards on everyday spending with brands you love - there’s no limit to how much you could save to help pay for your next renewal!

Find out more

Frequently asked questions

Still got a question? Here are some answers to our customers' most asked questions.

Does cat insurance cover dental work?

Cover for teeth and gums that are damaged in an accident is included in all 4 of our cover levels. Wider cover is available under Premier cover level.


Can I get cat insurance if my pet is already sick?

You can still get pet insurance, 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.


Can I get insurance for my older cat?

Yes - we have no upper age limit on the cats we insure.


Can I insure multiple cats?

Yes - with our multi-pet option, you can insure as many as 3 pets on one policy online or up to 10 pets through our call centre. For each cat or dog you add, you will receive a 10% discount.


I am a breeder, can I get cat insurance?

No - unfortunately, we are unable to insure breeders.


Read more FAQs

What to consider when getting a kitten

Cats are our favourite fluffy companions. Check out our top tips on what to consider when getting a kitten.

Caring for your pet during the summer

Help your pet if they look like they’re struggling with the summer heat with our guide here.

Calls may be recorded and monitored.