The most common cat health issues claimed on pet insurance

We love our cats and would do anything to keep them healthy and happy. But there’s no denying that vet bills can leave a hefty dent in our finances. Knowing the most common issues cats face—and the average cost of a claim—can help you stay prepared. 

What are the most common cat health issues?

Here are the top 10 most common cat health issues claimed on pet insurance, including the average claim paid*.

1. Gastrointestinal disorder finding - £464.63
2. Hyperthyroidism - £218.41
3. Diabetes mellitus - £33.18
4. Feline infectious peritonitis (FIP) - £1,002.70
5. Osteoarthritis (osteoarthrosis, degenerative joint disease (DJD))(unspecified) - £163.92
6. Renal (kidney) disorder - £325.97
7. Vomiting - presumed self-limiting - £354.05
8. Diarrhoea - presumed self-limiting - £192.54
9. Lethargy finding - £421.39
10. Gingivitis/gingival (gum) disease - £413.02

*Figures are based on all Agria Pet Insurance claims paid between Nov 2023 and May 2024.

Here’s a look at each issue in turn, including symptoms and treatment.

1. Gastrointestinal disorders (£464.63 average claim)

Gastrointestinal disorders in cats are a common reason for vet visits. Symptoms include vomiting, diarrhoea, or loss of appetite. They can be caused by a number of things, such as food intolerances, infections, or even stress.

Treatment can involve putting your cat on a special diet, making sure they’re hydrated, and giving them medication. Costs can add up quickly if tests like ultrasounds or bloodwork are needed. If your cat shows signs of tummy trouble, don’t wait to contact your vet.

2. Hyperthyroidism (£218.41 average claim)

Hyperthyroidism is more common in older cats. It happens when their thyroid gland (located in the neck, halfway down the windpipe) produces too much hormone, leading to things like weight loss, more frequent urination, and increased thirst and appetite. Treatment ranges from medication to special diets, or even surgery. Early diagnosis can make a huge difference in managing this condition, with cats potentially able to live many years if treated properly.

3. Diabetes mellitus (£33.18 average claim)

Diabetes in cats is like diabetes in humans, meaning their bodies can’t properly process sugar. Symptoms include weight loss, increased thirst, and urination. It tends to be more common in older or overweight cats.

Treatment often involves insulin injections and a carefully controlled diet. While average claim costs are low, long-term care can become expensive. Monitoring your cat’s weight and diet can help prevent diabetes.

4. Feline infectious peritonitis (FIP) (£1,002.70 average claim)

FIP is a severe and often fatal viral disease. It mainly affects young cats or those with weaker immune systems. Symptoms vary but may include fever, weight loss, and fluid in the abdomen or chest. 

It's one of the priciest conditions to claim for, which is shown in the relatively high cost of the average claim. This is because it can be tricky to diagnose and expensive to treat, with costs adding up fast for tests, specialist care, and antiviral treatments.

Until recently it was considered incurable, however FIP is now being treated with promising new drugs, though studies are still assessing recurrence rates.

5. Osteoarthritis (£163.92 average claim)

Pet owners might associate arthritis with older dogs— but it can affect cats too. Osteoarthritis causes joint pain and stiffness, making movement difficult. Signs include reduced activity, trouble jumping, or reluctance to climb stairs. Treatment includes anti-inflammatory medication and joint supplements. A cosy, easy-to-access resting spot can help your cat stay comfortable. 

The cost of treating arthritis in cats tends to add up as it’s a longer-term condition, meaning ongoing pain relief medication or regular treatments like acupuncture may be necessary,

For more information on how to detect osteoarthritis in cats, read our guide.

6. Renal (Kidney) disorder (£325.97 average claim)

Kidney problems are common, especially in older cats. Signs include increased thirst, weight loss, and vomiting.

Chronic kidney disease often develops gradually but requires lifelong management. Treatment can involve special diets, medication, and fluids. Regular vet checks can catch kidney issues early.

7. Vomiting – presumed self-limiting (£354.05 average claim)

Cats vomit occasionally, but frequent or severe vomiting can indicate a problem. Causes range from hairballs to eating something they shouldn’t. The term “self-limiting” simply means that a vet expects the issue to resolve on its own without treatment.

However, the cost of a pet insurance claim for vomiting can still be quite high. This is because vets often run diagnostic tests to rule out any serious issues. These tests might include blood work, X-rays, ultrasounds, or even hospitalisation for monitoring, which can quickly add up.

8. Diarrhoea – presumed self-limiting (£192.54 average claim)

Diarrhoea happens for many reasons, from diet changes to mild infections. Self-limiting cases often resolve within a day or two. If it lasts longer or is severe, your vet may suggest tests – which can add to the cost of treatment and any pet insurance claim. Treatment might include probiotics or a bland diet. Keeping fresh water available can help prevent dehydration while your cat recovers.

9. Lethargy (£421.39 average claim)

Lethargy can be a sign of many underlying issues. A quiet, less active cat may have an infection, or something more serious.

Costs vary depending on the cause and tests needed to diagnose it. Always monitor your cat for other symptoms, like appetite changes or fever. Early vet intervention can save both money and stress.

10. Gingivitis and gum disease (£413.02 average claim)

Dental issues are surprisingly common in cats. Gingivitis starts with plaque build-up and can progress to painful infections if untreated.

Signs include bad breath, drooling, and difficulty eating. Regular dental care, like brushing or dental treats, can help prevent this. Severe cases may require professional cleaning under anaesthetic.

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Regular check-ups, vaccinations, a good diet, and attention to their behaviour can prevent many issues in our furry friends. 

Pet insurance is also vital to help cover unexpected costs. As long as there were no pre-existing symptoms, many of the common conditions listed above are covered, including dental illness (excluding routine care), diabetes, and hyperthyroidism.

What’s more, all Agria policies come with 24/7 access to vet video calls through the Agria app, giving you peace of mind should you need to speak with a professional.