When it comes to best cat insurance policies for your feline friend, picking the right one is not easy. Luckily for you, here is a PURR-fect review on the brands we highly recommend.
Below we will be presenting only the best for cats and kittens. So, without further ado, here are the best of the best.
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Best for Tech-Savvy Owners
- No lifetime or per-condition limits
- An app for both iOS and Android users
- Coverage for illness visits (exam fees)
- Coverage for felines traveling in the US and Canada
- Hip dysplasia under 6 yrs.
- Simple plan
- Affordable prices
- No limits on claim payouts
Best Insurance & Wellness Combo
- Insurance and wellness plans
- Solid insurance coverage
- Multi pet and renewal discounts
- Works with any licensed veterinarian
Best for Cats With Pre-Existing Conditions
- A fairly simple yet convenient plan
- No waiting period for reimbursement
- Coverages for pre-existing conditions
- No maximum age limit
Best Coverage Options
- No lifetime limit
- No per-incident limits on claims
- Wellness rewards are optional
- Claims are usually paid within two weeks
Our Detailed Cat Insurance Reviews
We have gathered all of the vital information on the different cat insurance companies to help you decide which is best for your needs. Continue reading to find out.
Best for Tech-Savvy Owners
- Age Limit: None
- Claims Process Time: Less than a week
- Benefit Limits: 70%, 80%, and 90%
- Deductible: $100–$1,000
- Wellness: No
The company we will be discussing next was launched way back in 2003, and since then, they have been offering cat owners pet insurance in both Canada and the US. Of course, we are talking about Petplan cat insurance.
Petplan provides cat owners with fantastic coverage for all their furry companions (including dogs). This coverage has no restrictions on genetic conditions and includes accident and illness-related conditions as well. Also, irregular vet exams, hospital stays, and advanced testing are covered.
As for benefit limits, they are analogous to the benefit limits of Healthy Paws, seeing how customers are given unlimited coverage. We loved Petplan because it allowed cat owners full flexibility as they could choose from an array of different yearly benefit limits.
Petplan also offers customers per condition deductibles. Meaning, owners must pay a deductible each time the cat is treated. Last but not least, vet expenses determine the reimbursed amount.
- + No lifetime or per-condition limits
- + An app for both iOS and Android users
- + Coverage for illness visits (exam fees)
- + Coverage for felines traveling in the US and Canada
- − No multiple pet discounts
- − Regular health and dental check-ups required
- Age Limits: 8 weeks to 14 years
- Claims Process Time: Usually within two days
- Benefit Limits: 70%, 80%, and 90% of annual fees
- Deductible: $100, $200, $500, up to $750
The greatest benefits of Healthy Paws Cat Insurance include stellar customer service, annual deductibles, and no limits on annual and lifetime payouts. Healthy Paws was founded in 2009 with a mission to help pets in need and those without homes.
Another impressive thing about this insurer is that cat owners will receive one of the best coverages without caps on annual and lifetime payouts. Nevertheless, like other insurers, Healthy Paws does not cover pre-existing conditions.
On the bright side, cats under six years of age (unless it is a pre-existing condition) can get coverage for hip dysplasia. Likewise, the brand also offers coverage for hospital stays, treatments such as acupuncture, and emergency care.
What makes Healthy Paws stand out from the crowd is their standard plan — it provides unlimited coverage, unlike so many other brands that offer unlimited benefits only after the owner purchases a higher-level plan.
- + Hip dysplasia under 6 yrs.
- + Simple plan
- + Affordable prices
- + No limits on claim payouts
- − Vet examination fees are not covered
- − A one-year waiting period for Healthy Paws coverage to begin
Best Insurance & Wellness Combo
- Age Limit: Only for hip dysplasia (<6 years of age)
- Claims Process Time: Within a week
- Benefit Limits: A per-incident limit of $10,000 or lifetime limit of $100,000
- Deductible: $250, $500, or $1000
Wagmo is a trustworthy company offering two types of plans. Firstly, there are insurance plans for accidents, injuries, and illnesses. Secondly, there is a wellness plan for annual preventive and routine care. You can get both or only one.
Insurance plans start at $13, while wellness plans are available at $20, $36, or $59 per month. You must provide basic info about your pet via a short survey to get your quote. The insurance coverage list includes prescription medications (50%), hospital stays, surgeries, X-rays, ultrasounds, cancer treatment, and more. However, the list doesn’t include pre-existing conditions, vitamins/supplements, dental surgeries, and several other issues.
The company doesn’t want to charge you for unlimited coverage you’re not likely to use, so there’s a lifetime limit of $100,000 and up to $10,000 per incident. As for deductibles, Wagmo offers three options — $250, $500, or $1000. Once you meet your deductible, the company will cover the rest. In addition, wellness claims are processed within a day, whereas insurance claims are processed within a week.
- + Insurance and wellness plans
- + Solid insurance coverage
- + Multi pet and renewal discounts
- + Works with any licensed veterinarian
- − Pre-existing conditions not covered
- − Some customers wished the insurance plan was more customizable
Best for Cats With Pre-Existing Conditions
- Age Limit: None
- Claims Process Time: Within 5 days
- Benefit Limits: No set limits
- Deductible: No deductibles
This company is not like the other companies on this list, and here’s why. In short, they offer pet owners a program with different discount services. Cat owners need only pay a membership to gain access to discount services and forget about deductibles.
No deductibles, how so? Well, cat owners only need to pay a monthly or yearly premium. In the case of cats, this starts at just $8.
Additionally, owners do not fill out claims or forms. Hence, once the cat is enrolled, it is already insured. There’s no need for additional documentation. Also, customers do not have to wait for coverage to take effect, and there are no age limitations. However, cat parents have only one option — to go to pre-approved Pet Assure vets.
- + A fairly simple yet convenient plan
- + No waiting period for reimbursement
- + Coverages for pre-existing conditions
- + No maximum age limit
- − Coverage different from standard insurance companies
- − Participating veterinarians can be expensive
Best Coverage Options
- Age Limit: None for accident coverage, 14 years old for illness for new enrollments
- Claims Process Time: Typically within 2 weeks
- Benefit Limits: 70%, 80%, to 90% of annual fees
- Deductible: $200, $300, $500, $750, up to $1,000
Even though it is on the more expensive side, Embrace offers cat owners superb service and a wide range of coverage. So, why do we believe Embrace insurance for cats deserves a top spot on this list? Well, firstly, cat owners are offered a standard plan with a wide range of coverage. This includes standard illnesses and accidents, prosthetic limbs, and behavioral therapy.
Moreover, Embrace offers cat owners coverage for wellness plans, as well as prescription medication. On the downside, the plans do not offer cat owners unlimited benefits, as the limit ranges from $5,000 to up to $30,000. However, this is not entirely terrible, as clients can fully customize the options depending on their requirements.
Additionally, Embrace provides exceptional pet insurance for multiple cats. Customers are offered a selection of annual deductibles ranging from $200 to $1,000 and reimbursement ranging from 70% to 90%.
- + No lifetime limit
- + No per-incident limits on claims
- + Wellness rewards are optional
- + Claims are usually paid within two weeks
- − Only cats aged 14 or younger qualify for illness or accident coverage
- − Pre-existing conditions are not covered
Best for Senior Cats
- Age Limit: 8 weeks or older
- Claims Process Time: Typically within 2 weeks
- Benefit Limits: Three different benefit limit schedules of $5,000, $10,000, and $20,000
- Deductible: $0–$500
This reputable company does not only have several different available plans, but it also pays claims rather quickly. Here is the full scoop.
Cat owners can choose from three different plans:
- Most Popular
- Additional Coverage
The annual benefits range from $2,000, $5,000, and $10,000, depending on the plan chosen, whereas the deductible and reimbursement amounts remain the same, $250 and 80%, respectively.
Cats of all ages are eligible for each of the three plans as long as they are over 8 weeks old. So, what are the benefits of MetLife pet care plans? Well, illnesses (including chronic and hereditary conditions), accidents, diagnostic tests, exam fees, hospitalizations, and surgery fees are covered in all three plans.
Also, after 12 months, cats are also covered for medical cruciate and intervertebral disc disease. On the downside, cats with pre-existing conditions, breeding, grooming, anti-parasite treatments, as well as elective procedures are not covered.
On the bright side, if you are looking to reduce the yearly costs for wellness checkups and vaccinations, then MetLife is the way to go. Furthermore, claims are processed within 2 weeks, making reimbursement a piece of cake.
- + Broad range of coverage
- + Added routine care rider
- + Fast claim turnaround
- + No maximum age for cats
- − Deductibles are per incident
- − Doesn’t cover routine wellness
How We Reviewed and Ranked the Top Companies
When it comes to best cat insurance policies for 2022, there were a few things we had to check out. In fact, we took a couple of things into consideration before compiling our list.
Such as the following factors: benefit limits, deductibles, pre-existing health conditions coverage, monthly and annual premiums, exclusions for the age limit of the cat, and waiting time for overall coverage.
Annual vs. Monthly Premiums
What are premiums, and why are they so relevant in this cat insurance review? Well, simply put, they are the amount you pay on a monthly or yearly basis for your pet’s insurance coverage, no matter whether it is a cat or a dog.
Typically, lifetime maximums and lower deductibles are linked to higher premiums. Most importantly, the best insurance for cats comes with more significant premiums as it most often includes medication, standard vet fees, and laboratory analysis.
Of course, we understand that many cat owners are on a tight budget. Thus, we reassure you that there is nothing wrong with selecting a low-premium insurance plan. On the other hand, cat owners may find themselves spending a lot more on veterinary care throughout the pet’s life because of lower maximum benefits and higher deductibles.
In this guide, we looked for plans that offered owners a wide array of coverage, diversified deductibles, and the best benefit maximums. Yet, possibly the best choice is to find a pet insurance company that allows owners to customize their plans to suit their needs fully.
Benefit Limits and Deductibles
The majority of insurance plans for felines offer owners maximum benefit limits. Many customers have testified that the high yearly and lifetime benefits help them feel less worried in case their cat gets into an accident or becomes sick. Of course, not every cat insurance plan offers owners maximum benefit limits.
If you think selecting deductibles is not a big deal, think again. In fact, a good indicator that owners will spend less money is when a cat insurance plan offers lower deductibles.
Additionally, there are heaps of pet insurance reviews for cats that claim that owners should look for plans that offer per-condition ones instead of offering annual deductibles.
In fact, if you have a cat that has more than one health issue, then this might be an excellent option. Conversely, since cats can fall ill at any time, these plans might not be the best choice around.
What’s Not Covered by Cat Insurance?
Every plan by a cat insurance company will have insurance exclusions to some degree. For instance, these typically include prescription drugs, examination fees, laboratory services, and specialty veterinary services.
Furthermore, we found that some cat insurance companies do not accept felines over a certain age. Another common exclusion includes cats with pre-existing conditions, such as diabetes and cancer.
On a more positive note, there are cat insurance companies that provide coverage for pre-existing conditions. Nevertheless, owners have to remember that this applies only in the case the cat has been symptom-free for a certain period or after successful treatment.
Last but not least, we compared and contrasted the best cat and pet insurance options by looking at the waiting period for the coverage.
Also, before the coverage can begin, most plans have a designated waiting period. This waiting period typically takes a few weeks (at most). We made sure to choose cat insurance options that offered the lowest waiting periods for injuries and other health conditions.
What is the average cost of pet insurance for cats?
A cat insurance plan’s cost is also an essential factor, especially for owners on a tight budget. Of course, the insurance cost differs for every cat owner, judging how the prices are typically based on the animal’s gender, weight, breed, and age.
When it comes to a cat, cheap insurance will probably lack quality compared to costlier plans. And another thing, the bigger the premium, the less an owner has to pay when things go South.
Our Guide to Selecting the Best Insurance for Your Cat
So, what do you need to look out for when choosing the PURR-fect cat insurance company for your furry companion? If you are curious to find out, just keep on reading!
The Coverage of the Policy
Unfortunately, sickness and injury can always endanger your cat’s life unexpectedly. This is precisely why we believe it is crucial to get a pet insurance plan as soon as possible.
Cat insurance policies typically cover accidents and injuries such as poisonings, sprains, puncture wounds, and chronic illnesses such as allergies, arthritis, and skin conditions.
Some policies also include surgeries, endoscopies, chemotherapy, and hereditary conditions like hip dysplasia, eye disorders, and blood disorders.
However, as we mentioned in the reviews above, there are some plans on our list that do not include wellness options, such as vaccinations, heartworm/fleas, and spaying or neutering. Moreover, the majority of cat insurance plans do not cover pre-existing conditions.
What Makes a Good Policy?
What is the best pet insurance for cats? A good cat insurance policy entails a wide range of illnesses and conditions. Additionally, the exclusions should be limited at best.
Nevertheless, although one type of coverage may seem impressive (such as wellness coverage), this might end up costing you a lot of money due to the higher monthly premiums.
The Top Three Kinds of Insurance for Cats
There are three distinct options to choose from:
- Wellness coverage: This covers most standard procedures like vaccinations, spaying/neutering, and heartworm/flea examinations.
- Illness and accident care: Encompasses both illness and accident coverage. For example, these may include ear infections, broken bones, ingestion of a toxic substance, etc.
- Protection against accidents only: Petty self-explanatory. You cover your pet only for accidental injuries like cuts/lacerations, broken bones, etc.
Benefit Limits and Why They Are Crucial
No matter which plan you select for your cat or kitten, these limits depend on the company. Some pet insurance plans provide benefits that are per-condition, yearly, or lifetime capped. Also, most brands providing medical insurance offer unlimited lifetime benefits to pet owners. And we strongly recommend customers choose these as they never come with a payout cap.
The Four Types of Benefit Limits
Pet owners need to be aware of the following four benefit limits. These are:
- Annual maximum: Many insurers cap the payouts, or offer customers with a yearly limit. What does it mean to cap the payouts? Well, in the simplest terms, once a cat owner reaches a specific limit, they will not be reimbursed for the excess amount.
- Annual per incident: The total amount an insurer will pay for a specific illness, procedure, or condition on a yearly basis.
- Lifetime maximum: A lifetime maximum is the total amount the insurer will pay over a pet’s lifetime. If your feline is suffering from chronic diseases, we strongly advise against using lifetime maximums.
- Unlimited lifetime: Here, there is no upper limit when it comes to the amount of money the insurer provides for veterinary bills.
Reimbursements and Deductibles
Cat owners must take reimbursements and deductibles into serious consideration when selecting the right pet insurance plan for their furry friends. However, what do they refer to? And which is the best for cats when it comes to these two?
A deductible is the amount cat owners need to cash out before an insurance company taking over. As for the latter, reimbursement is the total percentage an insurance company will cash out for your vet bills.
We firmly believe that quality cat insurance should provide owners with complete flexibility. Hence, the reimbursement, along with the deductible, can be tweaked to the owner’s specific needs.
Are you still confused about deductibles? If so, then here are some additional details. The higher the deductible, the lower the premium. Nevertheless, keep in mind that copayment and deductible are two different terms.
Here’s an example of how low-cost pet insurance for cats works: If the deductible is $400, then the owners have to pay all the bills until they reach the $400 threshold, after which the insurance company takes over.
The Three Main Types of Deductibles
There are three main types of deductibles cat owners must know when choosing a cat insurance. These are annual deductibles, per-condition annual, and per-condition lifetime deductibles.
- Annual deductibles: This deductible includes all illnesses, accidents, and conditions over one year. Also, it resets when the year comes to an end.
- Per-condition lifetime: As the name suggests, this type is based on the condition of the cat. The insurer will pay for a specific condition based on the model of reimbursement when the deductible is valid.
- Per-condition annual: Similar to the one above, with the only difference being that it resets annually.
Compare Cat Insurance Plans: Higher vs. Lower Deductibles
- Monthly premiums are lower
- Owners may pay less in the short-run but more in the long-run
- To obtain 90% coverage of eligible conditions, owners might have to wait for longer
- Higher monthly premiums
- Cat owners save money at the vet’s office
- Cat owners obtain 90% coverage of eligible conditions sooner
The Three Main Types of Reimbursements
The majority of best value cat insurance plans use three specific types of reimbursement. These are the following:
- Benefit schedules: Despite not being as popular anymore, it is still used by some insurers. In it, the insurer has set up a fixed amount that the cat owner will be reimbursed for every condition, procedure, or illness.
- Actual cost: This popular reimbursement model implies that the insurer will cough up a percentage of the original vet bill once the deductible has been paid. Plus, most insurance companies let cat owners choose the percentage.
- Usual and customary: This one is the least popular among the three reimbursement models. It implies that the insurer has set up a fixed amount to reimburse the cat owner for every procedure. This reimbursement model is based on the cat owner’s location.
Rates of Cat Insurance
How much is pet medical insurance? Well, we think that the typical cost is somewhere between $30–$70 every month. The plan’s cost depends on the budget of the owner and the specific needs of the cat or kitten.
The most common factors that can change the quote are the following:
- Male cats cost more to insure
- Specific cat breeds cost more to insure
- Cat insurance is more affordable than dog insurance
- Older cats are more expensive to insure
- Where you live will influence the cost of the insurance (the price of veterinary treatment will be different depending on where the owner lives)
You can also learn more from our Best Pet Insurance Companies list, especially if you have multiple pets in the home in addition to your cat.
Frequently Asked Questions
What is the best insurance for cats?
This depends entirely on your needs, budget, cats breed and age, and your pet’s overall health. There are different insurance companies catering to different needs, so understanding what you need is the first step.
Once you know the details noted above and know the kind of insurance your pet will need, you can start reviewing the different options available.
Is it worth getting pet insurance for a cat?
Yes, absolutely. Even though cat insurance can be the last thing on your mind when you bring home a new kitten, it is essential to remember that illnesses and accidents happen all the time.
If you do not want to stress about your pet’s health and vet treatment costs, then getting pet insurance is the best way to go.
Can you put life insurance on a cat?
No, life insurance cannot be put on a cat. More specifically, owners cannot leave cash, life insurance money, or property directly to a cat.
Is cat insurance a waste of money?
Check out our answer to a similar question above. In short, no, it is not a waste of money.
Does cat insurance cover vaccinations?
As you may already know, proper cat care requires regular vaccinations, grooming, and much more. Having such extras as part of your plan could be of great help.
Some insurance companies provide coverage for preventive care and immunizations. However, many insurance plans do not cover vaccinations.
All in all, it is common knowledge that cats can get into some serious trouble by, well, just being cats!
Hopefully, our guide and list helped you pick the right provider for your furry friend. Don’t forget to check out our Best Dog Insurance list if you also have a pup in the home. And, although we hope nothing bad happens, we still suggest taking some smart precautions.
You never know with cats!