What a recent BBC story reveals about pet insurance in the UK
aaA pet owner was faced with an £8,000 bill after their insurance did not cover the treatment as expected.
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Published: 4 June 2026
It’s one of those pet-owner moments that can turn your stomach a bit: you’re stroking your cat and feel a small, firm bump you don’t remember being there.
In the UK, ticks are most common when cats spend time outdoors in long grass, woodland edges, gardens and parkland. Most of the time a tick can be removed safely at home — but it’s important to know what you’re looking at, how to remove it properly, and when it’s safer to let a vet handle it.
This guide covers how to spot ticks on cats, how to remove them calmly and safely, what to do afterwards, and the signs that mean it’s time to call your vet.
On this page
What are ticks (and why do cats get them)?
How to spot ticks on cats
How to remove a tick from a cat safely
What to do after you remove the tick
When to call the vet (and when to go urgently)How to prevent ticks on cats in the UK
What are ticks (and why do cats get them)?
Ticks are small parasites that attach to animals (and sometimes people) to feed on blood. They’re not insects — they’re more closely related to spiders.
Cats pick up ticks by brushing past vegetation where ticks are waiting. Outdoor cats that explore hedgerows, fields and gardens are most at risk, but ticks can occasionally hitch a ride into the home on other pets or clothing.
If you’d like a general overview for all pets, you may also find our guide on how to spot and remove ticks on pets helpful.
Why does this matter for UK cat owners?
A tick bite can irritate the skin, and sometimes a small lump or scab can remain for a while after removal. The bigger concern is that ticks can carry infections.
Most cats will be absolutely fine after a tick is removed — but knowing what’s normal and what’s not helps you act quickly if anything seems off.
For additional welfare advice, you can read the RSPCA’s guidance on ticks on dogs and cats and Blue Cross advice on cats and ticks.
How to spot ticks on cats
Ticks can be tiny before they feed, and larger and darker once they’ve been attached for a while. They often feel like a small, rounded bump on the skin.
Common places ticks hide
When checking for ticks on cats, focus on warm, protected areas:
Quick “tick check” routine (30 seconds)
If your cat goes outdoors, a simple routine after they come in can help:
NOTE
A tick can look a bit like a small skin tag or a wart at first glance. If you’re unsure, take a clear photo and call your vet for advice before trying to remove it.
How to remove a tick from a cat safely
If your cat is calm and you can clearly see the tick, many owners can remove it safely at home.
Before you start, it’s worth reading our step-by-step guide on how to remove a tick safely and making sure you have the right tool.
What you’ll need
Safe tick removal steps
What not to do
These common “old-school” methods can make things worse:
If your cat won’t tolerate removal, or the tick is in a sensitive area (like deep inside the ear), it’s safest to stop and call the vet.
It’s normal for the skin to look slightly red or irritated afterwards. Some cats may scratch at the area for a day or two.
Normal after-effects (usually mild)
Call your vet if you notice any of the following after a tick bite (or after tick removal):
If you’re not sure whether something is urgent, it can help to phone your practice and describe the symptoms (and share a photo of the bite site).
If you need tips on making the appointment less stressful, see our guide on taking your cat to the vet.
When to call the vet (and when to go urgently)
Every cat is different, and what’s “fine to monitor” for one may be more concerning for another — especially kittens, older cats, or cats with ongoing health conditions.
Situations where you should call your vet today
Situations that are more urgent
Seek urgent veterinary advice if your cat has:
IMPORTANT
If you’re ever unsure, it’s completely reasonable to call your vet for guidance. A quick conversation can save a lot of worry.
How to prevent ticks on cats in the UK
Prevention tends to be easier (and kinder) than dealing with ticks after they’ve attached.
Practical prevention tips
For a broader approach to parasite control, you might also like our guide to flea, tick and worm prevention.
Key takeaways (a simple checklist)
Protecting your cat after a tick bite
Finding a tick on your cat can be unpleasant, but it’s also something many UK cat owners deal with at some point. A calm tick-check routine, the right removal tool, and knowing the warning signs can make the whole situation much less stressful.
If your cat needs veterinary treatment after a tick bite, having pet insurance in place can help with unexpected vet bills. With any policy, cover depends on the terms and conditions, and pre-existing conditions are typically excluded — so it’s always worth checking what’s included before you need to claim. You can learn more about our approach to cat insurance when you’re ready.