Best Cat Insurance Companies & Plans
With the rising costs of veterinary treatments and the unpredictable nature of accidents and illnesses, picking the right cat insurance is important to ensure your pet is healthy and safe. Discover the 15 best cat insurance companies and plans in the US, each one offering an individual approach for the best possible care. ❤️ 🐾 🐈
Overall Rating 4.6 / 5
Embrace Cat Health Insurance
Embrace’s cat insurance plans are known for offering comprehensive coverage at an affordable price. These plans are designed with kittens and senior cats in mind and include Wellness Rewards and flexible policy customization options. Embrace handles hassle-free claims and customer service, as a cat’s health is always a priority.
- Average monthly cost for cats – $18
- Maximum annual coverage – Unlimited
- Deductible – $100 to $1,000
- Max age limit – 14 years
Overall Rating 4.5 / 5
Spot Cat Insurance
Spot offers cat insurance plans covering every stage of life, including accidents, illness, and preventive care. Their policies can be tailored to suit personal needs, with options for deductibles, limits, and reimbursement choices. The Spot is known for making claims a breeze and having a customer support team always there when you need them. It’s a reliable choice for comprehensive cat care.
- Average monthly cost for cats – $23
- Maximum annual coverage – Unlimited
- Deductible – $100, $250, $500, $750, and $1,000
- Max age limit – No limit
Overall Rating 4.5 / 5
FIGO Cat Insurance
FIGO’s cat insurance offers a range of plans for accidents and illnesses, and it’s made it easy to manage and file claims using technology. There’s no age limit for enrollment, and the coverage covers a wide range of conditions, including chronic and hereditary issues. What sets FIGO apart is its speedy reimbursements and flexible policy options, which make it easy to manage your cat’s healthcare.
- Average monthly cost for cats – $17
- Maximum annual coverage – $5,000 to unlimited
- Deductible – $100 to $750
- Max age limit – No limit
Overall Rating 4.4 / 5
Fetch Cat Insurance
Fetch offers an all-inclusive cat insurance plan that covers accidents, illnesses, and even holistic treatments. Fetch is flexible, accepting visits to any licensed vet in the U.S. or Canada. Plus, you can customize deductibles, limits, and reimbursement rates, making managing a cat’s healthcare easy.
- Average monthly cost for cats – $20
- Maximum annual coverage – $15,000
- Deductible – $250 to $500
- Max age limit – No limit
Overall Rating 4.3 / 5
Pets Best Cat Insurance
Pets Best is a popular choice for cat insurance, offering affordable, flexible coverage plans. They’re experts in accident and illness coverage and have options for senior cats, too. Their policies can be tailored to suit your needs, focusing on making the claims process as simple as possible and providing excellent customer service.
- Average monthly cost for cats – $28
- Maximum annual coverage – $2,500, $5,000, $10,000 or unlimited
- Deductible – $50 to $1,000
- Max age limit – No limit
Overall Rating 4.3 / 5
Trupanion Cat Insurance
Trupanion cat insurance covers unique features like direct vet payments and no payout limits, which is great for chronic conditions. Their plan covers a lot of bases, including hereditary conditions, with a lifetime per-incident deductible. Trupanion is a great choice for cat owners looking for comprehensive coverage because they emphasize straightforward, pet-centric care.
- Average monthly cost for cats – $40
- Maximum annual coverage – Unlimited
- Deductible – $0 to $1,000
- Max age limit – 14 years
Overall Rating 4.2 / 5
Lemonade Cat Insurance
Lemonade pairs modern technology with affordable, comprehensive cat insurance plans. With basic accident and illness coverage and optional wellness add-ons, Lemonade is known for its quick claims processing and socially responsible business model. This insurance company is great for cat owners who want a tech-savvy, flexible provider.
- Average monthly cost for cats – $17
- Maximum annual coverage – $100,000
- Deductible – $100, $250, $500
- Max age limit – 14 years
Overall Rating 4.2 / 5
Pumpkin Cat Insurance
Pumpkin provides great coverage, including some unique benefits for dental and behavioral treatments and pre-existing conditions. Pumpkin’s has a great accident and illness plan and a 90% reimbursement rate for all policies, so it’s a flexible choice for cat insurance, no matter your budget or needs.
- Average monthly cost for cats – $61
- Maximum annual coverage – Unlimited
- Deductible – $100, $250, $500, or $1,000
- Max age limit – No limit
Overall Rating 4.2 / 5
Healthy Paws Cat Insurance
Healthy Paws has a simple yet comprehensive cat insurance plan without annual or lifetime limits. They’re known for being affordable and transparent, but their plan isn’t as customizable for older cats. However, it’s straightforward, and customers are happy, so it’s a reliable choice for cat owners.
- Average monthly cost for cats – $36
- Maximum annual coverage – $5,000
- Deductible – $250 or $500 (under 6 years), $500-$1,000 (6 years and older)
- Max age limit – No limit
Overall Rating 4.0 / 5
ASPCA Cat Insurance
The ASPCA’s cat insurance plans include customizable coverage, such as vet exam fees and microchipping. With flexible deductibles and a 10% discount for multi-pet households, ASPCA cat insurance helps cover the costs of a cat’s regular check-ups and visits to any licensed vet in the US or Canada.
- Average monthly cost for cats – $16
- Maximum annual coverage – $10,000
- Deductible – $100 to $500
- Max age limit – No limit
Overall Rating 4.0 / 5
Metlife Cat Insurance
Metlife Pet Insurance gets top marks for offering comprehensive and customizable cat insurance solutions. They’re known for their industry legacy and affordable premiums, and their plans cover accidents, illnesses, and even alternative treatments. Focusing on a hassle-free insurance experience, they combine an efficient claims process with responsive customer support.
- Average monthly cost for dogs – $30
- Average monthly cost for cats – $17
- Maximum annual coverage – $10,000
- Deductible – $50 to $2,500
- Max age limit – No limit
Overall Rating 4.0 / 5
ManyPets Pet Health Insurance
ManyPets provides unique cat insurance coverage, including accidents, illnesses, and wellness care. They stand out for covering pre-existing conditions often excluded by others. With competitive pricing and customer-friendly policies, ManyPets offers an appealing choice for cat owners seeking comprehensive, straightforward insurance.
- Average monthly cost for cats – $25
- Maximum annual coverage – Unlimited
- Deductible – $250, $500
- Max age limit – No limit
Overall Rating 3.9 / 5
Wagmo Cat Insurance
Wagmo combines traditional accident and illness coverage and unique wellness plans for cats. These wellness plans give pet owners more access to preventive care. Wagmo’s open to making policies fit your needs and emphasizes making cat insurance simple so pet owners can focus on their cats’ health.
- Average monthly cost for cats – $28
- Maximum annual coverage – up to $20,000*
- Deductible – $250, $500, $1,000
- Max age limit – No limit
Overall Rating 3.8 / 5
Prudent Cat Insurance
Prudent Pet offers customizable cat insurance coverage with plans including accident, illness, and accident-only options. Prudent Pet has a customer-centric approach, flexible options, competitive pricing, and a straightforward claims process, making cat insurance accessible and stress-free.
- Average monthly cost for cats – $40
- Maximum annual coverage – $5,000 or unlimited
- Deductible – $50, $100, $200, $250, $500 or $1000
- Max age limit – No limit
Overall Rating 3.8 / 5
Hartville Cat Insurance
Hartville covers all cat insurance needs with customizable plans that include coverage for accidents, illnesses, and preventive care. The plans are designed to fit different budgets and needs while still being affordable and flexible.
- Average monthly cost for cats – $28
- Maximum annual coverage – $10,000
- Deductible – $100, $250 or $500
- Max age limit – No limit
What is Cat Insurance?
Cat insurance is a specialized insurance policy crafted exclusively for cats. It serves as a financial safety net designed to mitigate the cost burden associated with veterinary expenses, such as treatments for illnesses, injuries, and other health complications specific to felines.
Purpose of Cat Insurance
The main objective of cat insurance is to provide cat owners with financial security, particularly for unexpected veterinary expenses. These costs can quickly escalate in emergencies, chronic diseases, or ongoing medical treatments.
Cat insurance ensures pet owners are not overwhelmed by these costs, making it easier to afford the best care for their beloved pets.
Why Cat Insurance is a Smart Choice
There are 5 reasons to invest in cat insurance:
- Financial Protection. It protects against unexpected and expensive vet bills, so you can ensure your cat gets the medical care it needs without worrying about the cost.
- Access to Quality Care. Cat insurance lets pet owners get the best possible treatments, including advanced medical procedures and specialized care, without worrying about the cost.
- Promotes Regular Veterinary Visits. Many policies cover or encourage routine check-ups, which helps detect and manage potential health issues early on.
- Chronic Condition Support. It’s especially helpful for cats with ongoing health needs, so the regular treatments and long-term care are more affordable.
- Peace of Mind. Cat insurance gives pet owners comfort, knowing they’re prepared to handle unexpected medical situations with their cats.
Finding the best pet insurance for your cat involves understanding your pet’s needs, researching various insurance providers, and comparing their plans. Here’s a simple, step-by-step guide we at American Paws Club recommend to follow while making a decision:
1. Assess Your Cat’s Needs
Every cat is unique, and their insurance needs vary based on breed, age, and health history. Some breeds are more likely to get certain illnesses, so choose a plan that covers those. For instance:
- Persian Cats often have respiratory issues like brachycephalic airway syndrome and eye conditions such as tear duct problems.
- Maine Coons are prone to hypertrophic cardiomyopathy (HCM), which is a type of heart disease.
- Sphynx Cats may develop skin conditions due to their lack of fur and are also at risk for heart disease.
- Siamese Cats can be susceptible to gastrointestinal issues and respiratory problems.
2. Research Insurance Providers
Look for a reputable insurance provider that specializes in pet insurance. We recommend looking at some of the following companies: Pets Best, Trupanion, and FIGO. Check their ratings and read reviews from other pet owners to get a feel for their reliability and customer service quality.
3. Compare Coverage Options
Different insurance plans offer varying levels of coverage. Here is a quick coverage comparison:
| Insurance Company | Coverage for Accidents | Coverage for Illnesses | Preventive Care | Wellness Add-ons | Holistic Treatments | Customizable Policies |
|---|---|---|---|---|---|---|
| Embrace | Yes | Yes | No | Yes | No | Yes |
| Spot | Yes | Yes | Yes | Yes | No | Yes |
| FIGO | Yes | Yes | Yes | No | No | Yes |
| Fetch | Yes | Yes | Yes | Yes | Yes | Yes |
| Pets Best | Yes | Yes | Yes | Yes | No | Yes |
| Trupanion | Yes | Yes | No | No | Yes | No |
| Lemonade | Yes | Yes | Yes | Yes | No | Yes |
| Pumpkin | Yes | Yes | No | Yes | Yes | Yes |
| Healthy Paws | Yes | Yes | No | No | No | No |
| ASPCA | Yes | Yes | Yes | Yes | No | Yes |
| Metlife | Yes | Yes | No | Yes | Yes | Yes |
| ManyPets | Yes | Yes | Yes | Yes | Yes | Yes |
| Wagmo | Yes | Yes | Yes | Yes | No | Yes |
| Prudent Pet | Yes | Yes | Yes | Yes | No | Yes |
| Hartville | Yes | Yes | Yes | Yes | No | Yes |
4. Consider the Cost
Premiums can vary widely based on factors like:
- cat’s age
- breed
- health condition
Look at the cost of premiums, deductibles, co-pays, and reimbursement levels and see how they compare. A plan with a lower premium might have higher out-of-pocket costs, so finding a balance that fits your budget is important.
5. Evaluate the Claims Process
Pick a provider with a simple claims process. Look for companies that reimburse quickly and have an easy-to-use online portal or app for managing claims.
Why Trust American Paws Club
Veterinary professionals review APC’s (American Paws Club) information, ensuring accuracy and reliability. They offer detailed reviews of insurance providers, considering every aspect from coverage options to ease of claims, helping pet owners make informed decisions.
Our ethical approach promotes responsible pet ownership and preventive care, aligning recommendations with best practices in pet health. With a combination of expert insights, comprehensive reviews, and a focus on pet safety, we at APC ensure you choose the best coverage for your cat’s well-being.
Frequently Asked Questions❓🙋
What exactly does cat insurance cover?
Cat insurance generally covers accidents, illnesses, and may include preventive care, covering treatments, surgeries, and medications.
Is cat insurance necessary?
Cat insurance is recommended to mitigate high veterinary costs, especially for emergencies or chronic conditions, ensuring affordable care for your cat.
How to choose the right cat insurance policy?
Select a policy based on your cat’s age, breed, health conditions, and your financial capacity, focusing on the coverage most relevant to your cat’s needs.
Can I insure an older cat?
Yes, older cats can be insured, though coverage options might differ compared to younger cats.
What are common exclusions in cat insurance?
Exclusions often include pre-existing and certain hereditary conditions, routine care, and breeding expenses.
How do I file a claim for cat insurance?
After paying for your cat’s veterinary care, you submit a claim to your insurance provider, usually through an online portal or mail. The provider then reviews the claim and, if approved, reimburses you according to your policy’s terms.
Is it possible to customize my cat insurance policy?
Yes, many cat insurance providers offer customizable policies where you can choose the coverage level, deductible amount, and reimbursement percentage that best suits your needs and budget.
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