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.

In this review, we will be presenting only the best pet insurance for cats and kittens. So, without further ado, here are the best of the best.

When it comes to best cat insurance policies for your feline friend, picking the right one is not easy. Luckily…

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.

In this review, we will be presenting only the best pet insurance for cats and kittens. So, without further ado, here are the best of the best.

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The Top 12 Best Cat Health Insurance Options

COMPANY
STATS
FEATURES
PRICE
A very convenient and simple plan
No wait for reimbursement
Pre-existing conditions are covered
FROM About $8
No age restrictions for hip dysplasia
No payout limits and 90% reimbursement
Optional benefits are offered for added costs
FROM About $28
Coverage for hip dysplasia
Simple plan
Affordable prices
FROM About $25
Vet exam not required for enrollment
5% discount for multiple animals
Annual deductible
FROM About $27
A fast online quote
Insurance for exotic animals
Various budget options
FROM About $17
Customizable policies are available
Budget-friendly options
Many ways to customize
FROM About $17
Yearly deductibles for all cats
Claims are reimbursed within 7 days
A 10% discount for multiple animals
FROM About $15
No lifetime limit
No per-incident limits on claims
Wellness rewards are optional
FROM About $14
5% discount for online purchases
No per-condition or lifetime limits
Available app for ease of use
FROM About $20
Two levels of wellness care
Claims filing process is simplified
Suitable for every budget
FROM About $17
Broad range of coverage
Fast claim turnaround
Added routine care rider
FROM About $6
Single plan for all animals
Most affordable premium
No age limit for coverage enrollment
FROM About $10

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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.

Pet Assure Cat Insurance Review

Pet Assure Cat Insurance Review - Logo

Best Pet Insurance for Cats With Pre-Existing Conditions

Rating: 10

  • Age Limit: None
  • Claims Process Time: Within 5 days
  • Benefit Limits: No set limits
  • Deductible: No deductibles
  • Premium (Monthly): From $8

According to most Pet Assure reviews, 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, according to Pet Assure insurance reviews, 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.

Pros:

  • A fairly simple yet convenient plan
  • No waiting period for reimbursement 
  • Customers can save money
  • Coverages for pre-existing conditions
  • No maximum age limit

Cons:

  • Coverage different from standard insurance companies
  • Participating veterinarians can be expensive

Trupanion Cat Insurance Review

Trupanion Cat Insurance Review - Logo

Best Lifetime Pet Insurance

Rating: 10

  • Age Limit: Under 14 for lifetime coverage
  • Claims Process Time: Usually within 2 weeks
  • Benefit Limits: 90%
  • Deductible: Fully customizable from $0 to $1,000
  • Premium (Monthly): $28

Trupanion deserves a spot on our pet insurance reviews for cats because it provides unlimited insurance. The company, founded back in 1999, has been a favorite among pet owners since its launch.

In terms of coverage, cat insurance Trupanion covers a maximum of 90% of eligible expenses for both illnesses and unexpected injuries (including hereditary and congenital conditions). 

Above all, once you get Trupanion for your cat, you can rest assured your furry companion is insured for life. Nevertheless, pre-existing conditions are not covered.

Furthermore, 90% of total eligible expenses (these do not include preventative care, pre-existing conditions, wellness care, and sales tax) will be funded for life by Trupanion. 

Another benefit of this insurer is that their deductible policy is fully customizable, ranging from 0$ to up to $1,000.

Last, but not least in this Trupanion review, cat owners interested in this company will not have to wait for compensation. 

In fact, Trupanion is the exception rather than the rule when it comes to paying the vet bills — they pay a large chunk of it directly to the vet. This means that cat owners need only fund 10% of the costs that are covered.

Pros:

  • hip dysplasia has no age restrictions
  • 90% reimbursement with no payout limits
  • Customers are offered optional benefits for an extra cost
  • 30-day money-back guarantee
  • Cats are covered in the US, Puerto Rico, and Canada

Cons:

  • $35 one-time administration fee
  • An annual premium increase of up to 20%
  • Cats over 14 years of age are not eligible
  • Lack of wellness plan

Healthy Paws Cat Insurance Review

Healthy Paws Cat Insurance Review - Logo

Best Value Pet Insurance for Cats

Rating: 9.7

  • 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
  • Premium (Monthly): $25

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, according to a review of Healthy Paws cat insurance, 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.

Pros:

  • Coverage for hip dysplasia provided the cat is younger than six years of age
  • Simple plan
  • Affordable prices
  • No limits on claim payouts

Cons:

  • Vet examination fees are not covered
  • Cat needs to be under six years of age to get coverage for hip dysplasia
  • A one-year waiting period for Healthy Paws coverage to begin
  • $25 one-time enrollment fee

AKC Cat Insurance Review

AKC Cat Insurance Review - Logo

Best Pet Insurance for Multiple Cats

Rating: 9.6

  • Age Limits: 10 weeks and up
  • Claims Process Time: Usually within less than a week
  • Benefit Limits: 70%, 80%, and 90%
  • Deductible: $100–$1,000
  • Premium (Monthly): From $27

In 2003 The American Kennel Club (AKC) joined forces with PetPartners to ensure cats and dogs of all sizes and breeds were happy and safe. 

One of the main reasons we believe AKC deserves a top spot on our list is that a vet exam is not required for enrollment.

According to AKC insurance reviews, an annual deductible comes with each of their health insurance policies. Furthermore, most of the plans by AKC allow cat owners to choose their personalized deductible at enrollment. 

Additionally, most claims are processed relatively quickly. Sometimes it takes less than a week.

The downside, cats traveling outside of the US and Canada are not covered for vet care. Furthermore, AKC’s base policy is relatively limited, seeing as how it does not include elective procedures and veterinary exam fees.

On the other hand, AKC pet insurance reviews indicate that (for an extra sum) cat owners can decide on adding elective procedures and vet exam fees to their coverage.

Pros:

  • Enrollment does not require vet exams
  • A 5% discount for multiple animals
  • Yearly deductible
  • 30-day certificate
  • No maximum age limit

Cons:

  • Limited base policy
  • No coverage for cats outside of  the US and Canada
  • There’s no coverage for cats over 9 years of age

Nationwide Cat Insurance Review

Nationwide Cat Insurance Review - Logo

Voted Best Cat Insurance on Reddit

Rating: 9.5

  • Age Limit: 1-year-old to 10 years old
  • Claims Process Time: Within a month
  • Benefit Limits: 50%, 70%, and 90%
  • Deductible: $250
  • Premium (Monthly): $17

If you do not get impressed easily, then brace yourself for what you will read next. Nationwide has insured more than 700,000 pets, and since 2018, it has processed over 2 million claims. 

Furthermore, this cat insurance company provides feline owners with single-plan wellness and medical coverage. Plus, cat owners get to choose their own vet.

Most importantly of all, though, Nationwide cat insurance offers owners two options: a percentage of the invoice and a benefit schedule. 

The former reimbursing a percentage of the service costs, whereas the latter reimburses a specific amount based on the insurer’s schedule. 

We highly suggest going for the former, as cat owners who choose the latter will be required to pay a keen eye to what Nationwide might deem fair.

Another critical thing to keep in mind is that this insurer will only reimburse cat owners for the cost of treatment minus any deductibles the owner has to pay. Cat owners who decide on filing a claim via the internet typically receive reimbursement in a few days.

According to a review of Nationwide pet insurance, as for cat insurance coverage, this insurer offers three coverage plan levels: Whole Pet+Wellness, Pet Wellness, and Major Medical. 

The Whole Pet+Wellness plan includes coverage for illness, injury, lab tests, vaccinations, surgery, medications, and wellness.

Pros:

  • A fast online quote
  • Insurance for exotic animals
  • There are plans without maximum coverage (more flexible claims process)
  • Options to suit every budget

Cons:

  • Whole Pet+Wellness and Major Medical have a 2-week waiting period 
  • There’s a one-year waiting period for ACL surgery 
  • Not available in some states
  • The premiums increase with cat’s age

ASPCA Cat Insurance Review

ASPCA Cat Insurance Review - Logo

Best Cheap Pet Insurance for Cats

Rating: 9.4

  • Age Limit: None
  • Claims Process Time: Within two weeks
  • Benefit Limits: 70%, 80%, and 90%
  • Deductible: $100, $250, and $500
  • Premium (Monthly): $17

Are you a staunch supporter of animal rights? 

If so, you have undoubtedly heard of the organization devoted to teaching people about the horrendous ways animals are being treated, namely, the ASPCA. 

Not only does the ASPCA save animals, but they also licensed their name to a particular pet insurance company — C&F Insurance Agency, Inc.

According to numerous ASPCA pet insurance reviews, cat owners who decide to check out ASPCA pet health insurance will get to choose between two plans: an accident-exclusive plan, and an illness and accident plan. 

Although we recommend choosing the second plan, cat owners with a limited budget will love just how affordable the first plan is.

Illness, behavioral conditions, hereditary conditions, and accidents are all covered by the Complete Coverage plan. 

Furthermore, most medical treatments, including hospitalization, vaccinations, exam fees, surgery, and testing, are covered. On the downside, clients need to wait 14 days for accident and illness coverage.

As for the yearly reimbursement limits, ASPCA cat insurance reviews state it’s all up to the chosen benefit limit upon enrolling. 

The ASPCA doesn’t cover the following expenses: 

  • Cruelty 
  • Pre-existing conditions 
  • Ligament and knee conditions 
  • Pregnancy 
  • Breeding
  • Alternative treatments

Furthermore, ASPCA insurance reviews also show that cat owners can choose between annual deductibles of $100, $250, and even up to $500.

  • Custom-tailored policies
  • More budget-friendly than some other options
  • Coverage of behavioral issues
  • Coverage of lifetime expenses, including burial

Cons:

  • Two weeks waiting for getting coverage
  • No coverage for pre-existing conditions
  • Low reimbursements reported by some customers
  • No unlimited claims

Figo Cat Insurance Review

Figo Cat Insurance Review - Logo

Best Rated Pet Insurance for Cats

Rating: 9.6

  • Age Limit: 8 weeks and up
  • Claims Process Time: 2 weeks
  • Benefit Limits: $5,000, $10,000, or unlimited
  • Deductible: $100 – $1,500
  • Premium (Monthly): Starts from $15

With the rise of technology and the outbreak of COVID-19, many people rely on the internet for their everyday needs. This has turned many to Figo pet insurance reviews to determine if it’s a good fit for their beloved cats.

To start, one of the biggest perks of Figo Pet Insurance is that the claims are processed virtually via PetCloud. This way, kitty owners can consult licensed veterinarians through the use of video chat, file claims via an app, and more.

Figo Cat Insurance, a pet-friendly company, launched in 2012, offers cat parents ample coverage at affordable prices. 

Of course, upper-level plans offer standard coverage (including coverage for finding a lost cat), whereas lower-level plans provide coverage for accidents, prescriptions, illnesses, and behavioral problems.

We also appreciate Figo’s honesty, as do many Figo pet insurance reviews. On their website, they make it clear that they do not cover the following: 

  • Pre-existing conditions 
  • Routine
  • Wellness
  • Preventative care
  • Spaying or neutering
  • Experimental procedures
  • Breeding
  • Pregnancy
  • Giving birth
  • Cloning/cloned cats
  • Cosmetic surgery
  • Coprophagia

Furthermore, cat insurance Figo offers cat parents benefit limits ranging from $5,000 to $10,000 and annual or unlimited deductibles between $100 and $1,500. Last but not least, Figo offers owners 70%, 80%, 90%, and 100% reimbursement.

Pros:

  • Yearly deductibles for kittens and older cats
  • Claims are reimbursed within 7 days
  • A 10% discount for multiple animals
  • Vet exams can also be covered for an additional cost
  • An app available for both Android and iOS users

Cons:

  • Half a year waiting period for knees
  • A 2 week waiting period for illnesses
  • A $10 annual fee
  • Lack of wellness plan

Embrace Cat Insurance Review

Embrace Cat Insurance Review - Logo

Best Pet Insurance Coverage Options

Rating: 10

  • 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
  • Premium (Monthly): $14

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, this review of Embrace pet insurance highlights the fact that 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, based on numerous Embrace insurance reviews, 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%.

Pros:

  • No lifetime limit
  • No per-incident limits on claims
  • Wellness rewards are optional
  • Claims are usually paid within two weeks
  • A discount of 10% for more animals

Cons:

  • $25 enrollment fee and $1 transaction fee per month
  • Only cats aged 14 or younger qualify for illness or accident coverage
  • Pre-existing conditions are not covered
  • Cats not covered outside the US

Petplan Cat Insurance Review

Petplan Cat Insurance Review - Logo

Best Pet Insurance for Tech-Savvy Owners

Rating: 9.9

  • Age Limit: None
  • Claims Process Time: Less than a week
  • Benefit Limits: 70%, 80%, and 90%
  • Deductible: $100–$1,000
  • Premium (Monthly): From $20

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, according to Petplan reviews, 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 pet insurance reviews show that the insurer 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.

Pros:

  • Online customers get a 5% discount
  • 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

Cons:

  • No multiple pet discounts
  • Regular health and dental check-ups required
  • No wellness plan

Progressive Pet Health Insurance for Cats Review

Progressive Health Insurance for Cats Review - Logo

Best Pet Insurance with Wellness Benefits

Rating: 9.5

  • Age Limit: None
  • Claims Process Time: Within two weeks
  • Benefit Limits: 90%
  • Deductible: $250
  • Premium (Monthly): $17

The majority of you might know Progressive as an expert in home and auto insurance, but they also provide insurance for the furry members of the family. In 2007, Pets Best and Progressive teamed up to offer the ultimate cat and dog insurance plans.

First and foremost, we were excited to discover that Progressive pet insurance reviews claim that their policy covers a lot. For example, cancer care, injections, accidents, acupuncture, lab testing, hospitalization, surgeries, and X-rays are all paid by the insurer.

On the flip side, reviews of Progressive pet insurance show treatments and conditions not included in the policy, such as chronic conditions, spaying or neutering, behavioral therapy, and receiving vaccines. 

However, this wasn’t as surprising, considering many other insurers do not cover these either.

According to the North American Pet Health Insurance Association, cats’ national averages were $27.93 per month for accident and illness and $12.72 for accident-exclusive coverage.

What about the Progressive pet insurance reviews from customers? In a couple of words, everyone is raving about this insurer, mostly because it is suitable for every budget.

Pros:

  • Offers two ranks of wellness care (with added benefits)
  • A simple, app-powered claims process 
  • Suitable for every budget

Cons:

  • Longer waiting periods
  • The standard policy does not cover exam expenses
  • Burial and cremation are not included

Petfirst Cat Insurance Review

Petfirst Cat Insurance Review - Logo

Best Cat Insurance for Senior Cats

Rating: 10

  • 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
  • Premium (Monthly): $6

According to PetFirst pet insurance reviews, 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: 

  • Cost-Conscious
  • 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 Petfirst 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, according to Petfirst healthcare reviews, 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 PetFirst is the way to go. Furthermore, claims are processed within 2 weeks, making reimbursement a piece of cake.

Pros:

  • The company offers a broad range of coverage 
  • Added routine care rider
  • Fast claim turnaround
  • There is no maximum age for cats and other animals

Cons:

  • Deductibles are per incident
  • Yearly maximums
  • Doesn’t cover routine wellness

Bivvy Cat Insurance Review

Bivvy Cat Insurance Review - Logo

Best All-Round Pet Insurance

Rating: 9.4

  • Age Limit: 4 weeks or older
  • Claims Process Time: 2 weeks 
  • Benefit Limits: $1,000 (resets every year)
  • Premium (Monthly): $10

Even though relatively new in pet insurance companies, we believe Bivvy Pet Insurance also deserves a spot on our list. In fact, customers can get an impressive policy for as little as only $10 per month.

What is excellent about Bivvy is that it insures both cats and dogs, regardless of breed, gender, age, or size. In fact, the premium always stays the same. 

Furthermore, according to Bivvy pet insurance reviews, the benefit limit resets every year, and it adds up to $1,000. Another thing we loved was that customers could use their preferred licensed vet and not a pre-approved one.

So, what does Bivvy cover? The Bivvy Pet Insurance plan covers injuries, illnesses, accidents, diagnostic tests and treatments, veterinary treatments (such as hospitalization, surgery, and prescription drugs) and emergency care.

Bivvy’s most impressive thing is that congenital conditions, hereditary conditions, chronic conditions, endodontic conditions, and euthanasia are covered.

On the flip side, according to Bivvy insurance reviews, the following is not included in the policy: preventative or routine help, boarding the pet, pre-existing conditions, grooming and pet care products, breeding, pregnancy, giving birth, and cloning.

In sum, Bivvy offers one plan for all, for a monthly premium of only $10. Simply amazing!

Pros:

  • Single plan for all animals
  • Affordable premium of only $10 per month
  • No age limit for coverage enrollment
  • Suitable for any pet, no matter size, age, or breed

Cons:

  • $1,000 per year limited benefit level
  • Just one choice of reimbursement (80%)
  • Coverage is very limited

How We Reviewed and Ranked the Best Pet Insurance for Cats 2020

When it comes to best cat insurance policies for 2020, 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 cat health insurance review, 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

According to cat insurance reviews, 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 best cat insurance 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, a vast majority of pet insurance for cats reviews reveal 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.

Best Pet Insurance for Cats Waiting Periods

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).

In this review, 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. Hence, we made sure that we included pricing in our review as well. 

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 Pet Insurance for Cats

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.

According to best cat insurance reviews, 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 cat pet insurance 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 for Best Cat Insurance Policies

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

According to cat health insurance reviews, 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: According to pet insurance reviews concerning a cat, 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 pet insurance 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.

Deductibles

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 the best 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. According to best pet insurance for cats reviews, 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

Higher 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

Lower Deductibles:

  • 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, according to some pet insurance for cats reviews, 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?

There are always conflicting opinions on this, but it really depends on how far you are willing to go to help your furry friend in a time of need. Some emergencies or illnesses are simply beyond our budget, and difficult decisions need to be made. 

With cat insurance, you can worry only about the health of your animal and not the financial aspect of it. It’s a matter of how you feel the situation would fit you better financially.

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. Make sure to check what the insurance does and does not cover before committing. 

Final Thoughts

All in all, it is common knowledge that cats can get into some serious trouble by, well, just being cats! 

Hopefully, our best cat insurance company reviews 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!

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