Best UK pet insurance for Maine Coons in 2026
Last updated
Maine Coons are large, beautiful, and prone to several serious conditions. Hypertrophic cardiomyopathy (HCM), hip dysplasia, spinal muscular atrophy and an above-average cancer incidence mean cumulative claims across the cat\u2019s life can easily exceed £20,000. The right policy gives you lifetime cover, a £7,000 to £10,000 vet fee limit, and clean wording on hereditary cardiac and orthopaedic conditions. Below are our four strongest picks for the breed.
Our top four Maine Coon picks
Lifetime cover with high vet fee tier (£15,000 available), strong cardiac and orthopaedic claims history, multi-pet discount. The cleanest fit for the breed in 2026.
Covered For Life with explicit cover for HCM, hip dysplasia and SMA when not pre-existing. Long claims-paid track record on pedigree cats and clean wording on hereditary feline conditions.
Lifetime plan with no upper age limit on entry and long-standing relationships with cat breed clubs. Strong on hereditary cardiac and orthopaedic risks.
Lifetime plan with dental, behavioural and complementary therapy included, free 24/7 video vet for cardiac and breathing questions between cardiology checks.
Side-by-side comparison
| Brand | ManyPets | Petplan | Agria | Napo |
|---|---|---|---|---|
| PetCoverPro score | 4.6 / 5 | 4.4 / 5 | 4.5 / 5 | 4.4 / 5 |
| Cover style | Lifetime | Lifetime | Lifetime | Lifetime |
| Plan tiers | Complete | Essential, Classic, Ultimate | Lifetime | Lifetime |
| Vet-fee limit | Up to £15,000 per year | Up to £12,000 per year on Ultimate | Up to £12,500 per year | Up to £15,000 per year |
| Excess from | From £99 | From £99 | From £99 | From £99 |
| Dental cover | Yes | Yes | Yes | Yes |
| Behavioural cover | Yes | Yes | Yes | Yes |
| Mobile app | Yes | Yes | Yes | Yes |
| Direct vet payment | Yes | Yes | Yes | Yes |
| Multi-pet discount | Up to 15% per additional pet | 10% off each additional pet | Up to 10% multi-pet discount | 10% off each additional pet |
| Max new-policy age | 8 years for dogs, 10 years for cats | No upper age limit at sign-up | No upper age limit at sign-up | 8 years for dogs and cats |
| Underwriter | Great Lakes Insurance UK Limited | Allianz Insurance plc | Agria Försäkring (UK branch) | Inter Partner Assistance SA / AXA |
| Get a quote | Visit ManyPets → | Visit Petplan → | Visit Agria → | Visit Napo → |
Limits and prices change. Confirm current figures on each brand\u2019s site before buying. We last refreshed this table at the date stamped on the page.
What to look for in a Maine Coon policy
Cardiac wording is the test that matters most. HCM is well-known in the breed and a small number of insurers either exclude it as breed-typical or apply a sub-limit. ManyPets, Petplan, Agria and Napo all cover HCM as standard when the cat is not symptomatic at the start of cover. Pair that with a £7,000 vet fee limit (£10,000 is sensible for the breed), lifetime structure, hip dysplasia cover with no inner limit below the headline figure, dental cover, and complementary therapy at £1,000+ inner limit. DNA-test the kitten for HCM and SMA, book an annual cardiac auscultation from age three onwards, and keep the records on file; the combination makes future claims very hard for an insurer to dispute.