why so many cats are uninsured

Why So Many Cats Are Uninsured in the UK and Why It Could Cost You

Written by Ryan Gliozzo

Index:

Discover why most UK cats are uninsured, the hidden costs of vet bills, and how Waggel's lifetime cat insurance can provide peace of mind for unexpected illnesses and accidents.
Ginger cat walking along fence

It’s no secret that we love our feline friends. From sleepy sofa loafs to garden explorers, cats have an uncanny knack for stealing our hearts (and our favourite seats).

But here’s a worrying truth: most cats in the UK aren’t covered by pet insurance, leaving their owners exposed to hefty vet bills when accidents or illnesses strike.

Key takeaways

  • Only around 15% of UK cats are insured, meaning over 10 million cats have no cover.

  • Common issues like kidney disease, dental problems, or road accidents can cost £1,000–£4,000.

  • Cats are often seen as “low-maintenance”, leading owners to underestimate potential health costs.

  • Vet bills for cats average around £572, and complex treatments can quickly climb into the thousands.

  • Insuring your cat can cost less than you think and provide peace of mind for life’s surprises.

kitten sitting in hand of owner

The hidden cost of not insuring your cat

Cats may seem self-sufficient; they clean themselves, nap endlessly, and often act like they run the house, but their independence can be deceiving.

Health problems such as thyroid disease, diabetes, and kidney failure are common in older cats, while outdoor adventurers risk fights, abscesses, or even traffic accidents.

Some of the treatment costs for common issues can creep into the thousands, so it makes sense to have some sort of cover, and Lifetime cat insurance can be a great safety net.

Common feline condition

Average treatment cost

Vomiting or diarrhoea

£100–£2,000

Road traffic accident

£500–£4,000

Kidney disease

£1,500 +

These average figures highlight why so many owners are shocked when they receive a vet bill. Even a minor incident can wipe out savings or force a heartbreaking decision.

For helpful info on Lifetime cat insurance, you might also enjoy our dedicated cat insurance page.

Why so few cats are covered

So, why are cats so under-insured compared to dogs? One theory is that many owners assume cats don’t need cover because they appear low-maintenance.

According to Waggel’s CEO, Andrew Leal, this misconception can be costly:

“Cats often mask pain and illness extremely well, so by the time symptoms appear, treatment is already more complicated and expensive.”

Indoor cats are not immune either. Conditions like urinary blockages, obesity, or tooth resorption can all occur without any outdoor mischief involved.

If you’d like to learn more about types of cat insurance and other info, check out our complete guide to cat insurance here.

gigner cat lying on floor with string

When vet bills strike: what cat owners face

A recent look at our claim data shows that even simple treatments quickly add up. On average, cat owners pay over £570 per claim, and complex cases can exceed £4,000. Without insurance, that’s money straight out of pocket.

Why cat insurance matters more than ever

At Waggel, we believe insurance isn’t just about money; it’s about peace of mind. Knowing that you’re covered means you can focus on your cat’s recovery, not your bank balance.

With Waggel’s Lifetime cover, your claim limit resets each year, and you can choose the right annual limit for your cat’s needs. This ranges from £1,000 to £15,000. Every policy also includes free video vet consultations, because reassurance shouldn’t come with a price tag.

If you’re considering getting covered, explore our cat insurance plans and get a quote in minutes.

tabby cat lying on bed with owner

Final thoughts

Cats might have nine lives, but our wallets don’t. With most UK cats uninsured and vet bills on the rise, protecting your feline friend is one of the smartest (and kindest) decisions you can make.

After all, your cat gives you comfort, companionship, and countless purrs, making sure they’re protected is the least we can do in return.

Waggel Pet Insurance

Need more help? You're in luck if you're a Waggel Pet Insurance member. Along with our excellent coverage, we offer access to a 24/7 online vet to answer all your sticky questions, especially if you need grooming assistance.

Not a member? Why not get a quote now and cover your furry friend for a range of illnesses, all while enjoying our amazing perks and rewards.

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