Domestic Shorthair (Moggy) insurance, explained
The healthiest, cheapest cat to insure — and the most common in UK homes.
- Premium loading
- Base rate
- Adult weight
- 3.5–6 kg
- Lifespan
- 12–18 years
The humble moggy is the cheapest cat to insure — no breed loading, no inherited heart problems, and typically a long healthy life. That said, the two big senior-cat conditions (hyperthyroidism and kidney disease) make lifetime cover the only sane long-term choice.
Common health conditions to insure against
These are the conditions most commonly claimed for in Domestic Shorthair (Moggy)s. They're the reason a lifetime policy with a high annual vet fee limit matters for this breed.
Dental disease
£400–£900 per cleaningThe single most common claim in UK pet insurance.
Hyperthyroidism (older cats)
£40–£80/month, lifelongLifetime cover is the only way to keep claiming year after year.
Chronic kidney disease
£50–£120/month, lifelongAffects up to 1 in 3 senior cats. Lifetime cover essential.
Best insurers for Domestic Shorthair (Moggy)s
Based on the conditions above, these are the insurers we'd shortlist for a Domestic Shorthair (Moggy). All offer lifetime cover with vet fee limits high enough to handle the breed's typical claims.
Don't be tempted by accident-only cover just because moggies are healthy. The £80/month lifelong meds for an 11-year-old hyperthyroid cat will dwarf any premium savings.