Why do I need cat insurance?
There’s no denying your cat is one of the family – they rely on you for food, they’ve got their own spot on the sofa and you’ve probably even signed their name in a Christmas card or two. So naturally, you’ll want to do whatever it takes to look after them.
Cats are curious creatures – it’s what we love about them. They’re constantly exploring new places and meeting other furry friends, but sometimes their inquisitive nature can lead to accidents. We never know what life will bring, and that’s why cat insurance comes in handy. It takes care of unexpected costs and gives you peace of mind, so you can concentrate on caring for your kitty.
M&S Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Ltd (RSA).
Benefits of cat insurance
M&S Pet Insurance provides four levels of insurance for cats, allowing you to find the perfect cover for you and your feline. Benefits include:
- Veterinary fees
- Travel expenses
- Cover for advertising
- Third-party liability
- Death from injury
- Death from illness (pets under 9 years old)
- Emergency boarding on lifetime policies
Additional benefits of cat insurance
Take a look at what else you and your cat could benefit from when you purchase an M&S Pet Insurance policy:
15% discount on new policies when buying online (excludes renewals and amendments to existing policies). Prices rise at renewal†.
24-hour vetfone™ access. Giving you 24-hour guidance from qualified veterinary nurses on this freephone helpline.
Four levels of cover with no additional cost or fees for paying monthly.
** You can insure up to 3 pets online on a new policy and you can call RSA on 0800 731 4280 if you're looking to add more pets to your quote or existing policy.
Is pet insurance worth it for your cat?
Still wondering whether cat cover is worth the payout? Take a look at some average costs to help you decide whether M&S Pet Insurance is something you could benefit from.*
Hormonal
Average cost £839.51
There are a range of hormonal conditions that can affect cats. It’s therefore necessary to look out for symptoms, including abnormal faeces and vomiting.
Traumas
Average cost £730.14
Trauma is a physical injury which could be caused by your cat getting in a scrap or falling. As well as being hurt, your cat could also experience shock as a result of trauma.
Non-illness
Average cost £190.84
Claims not related to illness or injury can add up. This could be your cat causing an expensive breakage to helping you track down your pet if they go missing.
Oral
Average cost £607.55
Oral conditions like dental disease are common and can cause cats discomfort. It can even prevent them from eating, so it’s important to get oral issues solved.
Urinary
Average cost £763.99
Urinary conditions, are common and very treatable. Keep an eye out for symptoms such as excessive urination or drinking, blood in urine, and signs of incontinence.
Skin
Average cost £487.68
From allergic reactions caused by grooming products to patches of hair loss, skin conditions are common – and most are easy to spot. Look out for excessive scratching and biting, too.
Gastrointestinal
Average cost £832.88
From common complaints like gastroenteritis disease to rarer ones like megacolon, there are a wide range of tummy upsets that can affect cats.
Heart
Average cost £858.39
Serious heart conditions like hypertrophic cardiomyopathy can be fatal, so early diagnosis is important. Symptoms are not always apparent in cats, so regular check ups with your vet are a good idea.
Claiming on and renewing your cat insurance policy
If you already hold an M&S Pet Insurance policy and need to make a claim or renew, visit the manage your policy page for support.
Tips on keeping your cat happy and healthy
Although you can’t plan for everything, there are some simple steps you can take to keep your cat healthy:
Learn more
Wondering when your new kitten needs to be vaccinated? Learn more about cat vaccinations.
Discover some easy ways to save money and keep your pets warm as the temperature drops.
Learn about common pet health issues and how to spot them.
Learn which foods can be poisonous to pets to reduce the risk of them coming to harm.
Important pet insurance information
FAQs
* Based on the average annual cat claims cost to M&S Pet Insurance between January 2024 to December 2024.
† Excludes renewals and amendments to existing policies. Your renewal price increases each year and your excess will increase when your pet turns 9 and/or if a claim is paid, the price you will pay next year can double. There is no limit to how much your renewal price can increase.