Best Cat Insurance Companies & Plans

Discover the leading cat insurance providers in the US, offering specialized plans for the best possible care.

Embrace pet insurance review
star reviews 4.5

Overall Rating 4.6 / 5

Embrace Cat Health Insurance

Embrace’s cat insurance plans are known for their comprehensive yet affordable coverage. Tailored for kittens and senior cats, these plans include Wellness Rewards and flexible policy customization options. Embrace excels in hassle-free claims and customer service, ensuring your 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

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Spot pet insurance review
star reviews 4.5

Overall Rating 4.5 / 5

Spot Cat Insurance

Spot offers cat insurance plans that cater to all stages of your cat’s life, including accident, illness, and preventive care. Their customizable policies allow cat owners to choose deductibles, limits, and reimbursement options that suit their needs. Spot is known for its easy claims process and dedicated customer support, making it 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

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FIGO Pet Insurance Review
star reviews 4.5

Overall Rating 4.5 / 5

FIGO Cat Insurance

FIGO’s cat insurance provides tiered accident-and-illness plans, focusing on technology for easy management and claims. They offer coverage for a wide range of conditions, including chronic and hereditary issues, with no age limit for enrollment. FIGO stands out for their fast reimbursements and flexible policy options, ensuring effective healthcare management for your cat.

  • Average monthly cost for cats – $17
  • Maximum annual coverage – $5,000 to unlimited
  • Deductible – $100 to $750
  • Max age limit – No limit

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Fetch pet-insurance review
four star review

Overall Rating 4.4 / 5

Fetch Cat Insurance

Fetch provides an inclusive cat insurance plan covering accidents, illnesses, and even holistic treatments. Known for their flexibility, Fetch allows visits to any licensed vet in the U.S. or Canada. They offer customizable deductibles, limits, and reimbursement rates, making cat healthcare management straightforward and stress-free.

  • Average monthly cost for cats – $20
  • Maximum annual coverage – $15,000
  • Deductible – $250 to $500
  • Max age limit – No limit

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Pets Best Pet Health Insurance
star reviews 4.5

Overall Rating 4.3 / 5

Pets Best Cat Insurance

Pets Best is a preferred choice for cat insurance, offering affordable, diverse coverage plans. They specialize in both accident and illness coverage, including options suitable for senior cats. Their policies are customizable, focusing on smooth claims processing and attentive customer service dedicated to your cat’s health and happiness.

  • 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

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Trupanion Pet Insurance Review
star reviews 4.5

Overall Rating 4.3 / 5

Trupanion Cat Insurance

Trupanion cat insurance offers unique features like direct vet payments and no payout limits, ideal for chronic conditions. Their plan covers a wide range of needs, including hereditary conditions, with a lifetime per-incident deductible. Emphasizing straightforward, pet-centric care, Trupanion is a great choice for cat owners looking for comprehensive coverage.

  • Average monthly cost for cats – $40
  • Maximum annual coverage – Unlimited
  • Deductible – $0 to $1,000
  • Max age limit – 14 years

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Lemonade pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Lemonade Cat Insurance

Lemonade combines modern technology with affordable, comprehensive cat insurance plans. Offering base accident and illness coverage with optional wellness add-ons, Lemonade is known for its swift claims processing and socially responsible business model. This is an excellent choice for cat owners who value technology and flexibility in their insurance provider.

  • Average monthly cost for cats – $17
  • Maximum annual coverage – $100,000
  • Deductible – $100, $250, $500
  • Max age limit – 14 years

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Pumpkin Pet Insurance
star reviews 4.5

Overall Rating 4.2 / 5

Pumpkin Cat Insurance

Pumpkin provides extensive coverage, including unique benefits for dental and behavioral treatments and some pre-existing conditions. Their comprehensive accident and illness plan, combined with a uniform 90% reimbursement rate, makes Pumpkin a versatile choice for cat insurance, catering to various budgets and needs.

  • Average monthly cost for cats – $61
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, or $1,000
  • Max age limit – No limit

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Healthy Paws pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Healthy Paws Cat Insurance

Healthy Paws offers a simple, yet comprehensive cat insurance plan without annual or lifetime limits. Known for its affordability and transparency, their plan is less customizable for older cats but excels in simplicity and customer satisfaction, making it 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

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ASPCA Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ASPCA Cat Insurance

ASPCA’s cat insurance plans offer customizable coverage, including vet exam fees and microchipping. With flexible deductibles and a 10% multi-pet discount, ASPCA cat insurance supports comprehensive wellness for your feline friend, allowing 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

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Metlife Pet Insurance
four star review

Overall Rating 4.0 / 5

Metlife Cat Insurance

Metlife Pet Insurance offers comprehensive and customizable insurance solutions for cats. Known for their industry legacy and affordable premiums, Metlife’s plans cover accidents, illnesses, and even alternative treatments. They focus on a hassle-free insurance experience, combining an efficient claims process with responsive customer support.

  • Average monthly cost for dogs – Β $30
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $10,000
  • Deductible – $50 to $2,500
  • Max age limit – No limit

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Many Pets Pet Insurance Review
four star review

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

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WAGMO pet insurance review
four star review

Overall Rating 3.9 / 5

Wagmo Cat Insurance

Wagmo caters to diverse pet care needs with its combination of traditional accident and illness coverage and unique wellness plans for cats. These wellness plans make preventive care more accessible. Wagmo’s flexibility in policy customization and strong customer support focus on simplifying cat insurance and ensuring pet owners can prioritize 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

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Prudent Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Prudent Cat Insurance

Prudent Pet offers customizable cat insurance coverage with plans including accident, illness, and accident-only options. Noted for its customer-centric approach and flexible options, Prudent Pet provides 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

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Hartville Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Hartville Cat Insurance

Hartville provides comprehensive, customizable cat insurance plans, with coverage options for accidents, illnesses, and preventive care. Tailored to fit various budgets and needs, Hartville’s plans emphasize affordability and flexibility, ensuring a user-friendly claims process and dedicated customer support.

  • Average monthly cost for cats – $28
  • Maximum annual coverage – $10,000
  • Deductible – $100, $250 or $500
  • Max age limit – No limit

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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 a range of 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 cases of 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

Investing in cat insurance is a prudent decision for several reasons:

  • Financial Protection: It offers a buffer against sudden and potentially hefty veterinary bills, ensuring your cat can receive necessary medical attention without financial hindrance.
  • Access to Quality Care: Cat insurance enables pet owners to seek the best possible treatments, including advanced medical procedures and specialized care, without worrying about cost.
  • Promotes Regular Veterinary Visits: Policies often cover or encourage routine check-ups, helping in early detection and management of potential health issues.
  • Chronic Condition Support: It’s particularly beneficial for cats with ongoing health needs, making regular treatments and long-term care more manageable financially.
  • Peace of Mind: Cat insurance provides reassurance to pet owners, knowing they’re prepared to handle medical situations that may arise with their cats.

How Does Cat Insurance Work?

Cat insurance parallels human health insurance in several ways. Pet owners pay a regular premium to maintain coverage for their cat’s medical expenses. These policies vary in terms of what they cover and to what extent, with different options for deductibles, reimbursement percentages, and coverage limits. Coverage typically spans a range from accident and illness treatments to preventive and wellness care, allowing owners to choose plans that best suit their cat’s needs.

Choosing the Right Cat Insurance Company

When it comes to selecting a cat insurance provider, there are several factors to consider:

  • Understanding Your Cat’s Needs: Assessing the specific health risks and potential medical needs of your cat, based on factors like breed, age, and existing health conditions.
  • Research and Comparison: Investigating various insurance providers, their reputation in the market, and customer reviews. Comparing the details of different policies in terms of coverage, exclusions, and limitations.
  • Policy Details and Costs: Examining each policy’s inclusions, exclusions, premiums, deductibles, and copayments. Considering any available discounts or special offers.
  • Flexibility and Customer Support: Looking into each company’s customer service record, the ease of filing claims, and the flexibility to adjust coverage as your cat’s needs change over time.
  • Informed Decision Making: Weighing all these factors and choosing a plan that provides a balance between immediate coverage needs and long-term care considerations.
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Frequently Asked Questionsβ“πŸ™‹

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.