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What's the best cat health insurance companies?

Insurer Rate Price Direct Pay Vet Exam Fee Reimbursement Percentage Deductible Annual Policy Limits
4/5 45 reviews

from $20 per month

90% of vet bill $250 Unlimited Get Quotes PetPlan Reviews
4.1/5 80 reviews

from $29.8 per month

90% $200 $30 000 Get Quotes Embrance Reviews
4.1/5 19 reviews

from $15 per month

90% $250 Unlimited Get Quotes PetFirst Reviews
4.1/5 70 reviews

from $17.68 per month

90% of vet bill $100 Unlimited Get Quotes HealthyPaws Reviews

Is cat Insurance Worth It?

Having cheap cat insurance is what got me the best benefits! My cat had a urinary tract blockage, and I rushed her to the emergency clinic, as she whined constantly. Even though it wasn’t necessary to undergo surgery, the vet put her on IVs, specific treatment, and even kept here on site for a couple of days. The vet’s bill totaled $2000, but the insurance covered almost everything, which saved me a lot of money!

Total Vet Cost Insurance Companies Pays
Vanila $2000

from $1600

Сost of cat insurance

All cats are not the same – from their energy level, likes and dislikes, size, etc. – and this is why our prices vary. How much you pay for canine insurance will be based on a number of factors tied to your specific cat. There will be a list offered.




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Where to buy best cat insurance

We rate over 20 top cats and kittens insurance companies to find the policy that fits you best

Cat Insurance Reviews

Joy (AZ)

I was concerned about my cat’s health, and I was wondering how can I get the best cats’ insurance to be prepared for the unexpected. And the answer came in the form of the service offered by PetInsuranceFinder. Reading those cat insurance reviews convinced me this is the place to start. With a couple of research on this platform, I got the best cat insurance ever. Now I am at ease knowing my furry friend is covered in case of emergencies!

Veronica (CA)

It’s great to finally find a place that cares as much about my cat as I do. Cat health insurance has gone up recently and these Healthy Paws really polite and had all kinds of coverage options for my cat. They even gave me some useful tips for keeping my cat safe. Highly recommend.

Hector (NV)

I wasn’t convinced this was a reliable source to find policies, but reading the cat insurance reviews encourage me to submit a query. Even though this started as a mere curiosity, I was pleasantly surprised when I got a great quote for the best cats’ insurance. The provider I chose is great, while the package I received with my policy covers all sorts of incidents. I recommend this platform to any pet owner that wants to receive great quotes for pet insurance policies.

We are dedicated to distributing reviews that are based on a person's experience and opinions of their insurance company. It's not uncommon for reviews to be "reviewed" to ensure there is no offensive material. However, no review is a representation of our company and employees.


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Cat Insurance Q&A

Q&A overview

Cat insurance is similar to your own health care insurance policy. It covers the cost of medical procedures, surgeries, tests, and treatment. The services your pet insurance policy covers will depend on the company that you choose.

Practically all pet insurance policies work the same regardless of what company you choose. However, there may be some differences in coverage options that you should be aware of before you decide. Reading up on cat insurance reviews can be useful when you are trying to find a plan. It's essential to research each company and choose a plan you will benefit from financially. You also should find a plan your pet will benefit from it based on the coverage offered.

If you have a cat with a severe health condition and your policy has an affordable premium, but doesn't pay much for treatment, it isn't going to save you much money over time. Cat insurance can help make those routine visits to your veterinarian more affordable. You could be saving hundreds of dollars at each checkup by just paying a small co-pay instead of the full amount. It can also be a lifesaver when you have to take your pet in for urgent care, and they need expensive treatment such as surgery. You could avoid trying to come up with thousands of dollars to save your faithful pet and instead pay a more reasonable amount for the care that your kitty needs.

Overall, pet insurance for cats, kittens, or dogs is a worthwhile investment. For a small fee each month, you can ensure your fur baby will be with you for as long as possible. Feel free to browse our website to learn more about the top pet insurance companies and what each one has to offer.

Pet insurance is not a requirement for owning a dog or cat. There are no laws that say a cat owner must take out a pet insurance policy. It's strictly an optional service. But it is a beneficial one for those who had difficulty paying for routine veterinarian services or emergency care.

Depending on the age of your cat and treatment required, routine vet visits can cost between $50 and $400. And an emergency visit could cost as much as $2000. Most people do not have that much money lying around to pay for urgent care for their cat. That is where cat insurance can be extremely beneficial.

Some pet owners may look at cat insurance as just another monthly expense they don't need. But they are missing out on so many benefits they can receive from having a policy for their cat.

Anyone who owns a pet and wants to provide them with the care they need at all times should consider buying a pet insurance policy. If you think that your pet may require expensive medical care in the future and are unsure about how you will afford to pay for it, cat insurance can provide you with peace of mind.

There are plans out there designed for every type of pet owner, and every type of budget. While the more affordable plans may not offer as much coverage, you will still be able to save money on the most common types of injury and illness care.

And, if you are unable to get pet insurance because your cat has a preexisting condition, or you are unable to find a policy you are happy with, it's still possible to ensure against potential problems. You can do this by opening a high-interest savings account and self-insuring against high vet bills all on your own.

Starting a pet insurance policy for your cat couldn't be easier. Visit our homepage at Petinsurancefinder and enter your zip code. You will then need to input some additional data such as your name, the breed of your cat, and their age. You will also need to add if your cat has any preexisting conditions. Finally, you will need to include your current veterinarian's name and their contact information. Next, you will need to decide on a price range. Once you compare prices and premium quotes, you should have everything you need to decide on a plan that's right for you. It's a good idea to take your pet to the vet if they haven't been within the past year. You should do this before attempting to buy a pet insurance policy. A checkup can be useful because there may be some preexisting conditions you didn't know about.

Insurance providers such as PetPlan will allow you to get a quote online and help you get started on your policy within minutes. All you will need to buy a policy is your credit card and a few minutes of your time. In most cases, you will receive an insurance policy online that you can print out. Most companies will also send you a printout of your policy for you to keep in your records.

The majority of all companies provide insurance that renews annually. This is true if you choose to pay for your premium annually, bi-annually, or monthly. Although your pet's policy is paid for, coverage may not begin right away. Most providers have a waiting period for new enrollees. And that means you will not be able to get coverage immediately following a recent accident or illness. Doing this helps insurance companies guarantee that pet owners don't sign up for a new policy only when they are expecting to pay a big bill soon. If you feel that you could benefit from a cat insurance plan, the best time to purchase a policy is now.

When comparing companies, it's essential to know the inclusions and exclusions with each plan. Pet insurance is designed to help pay for those unexpected injuries or illnesses that no one plans for. The most affordable policies out there will often pay for minimal treatment such as wound care, broken bones, or if your cat accidentally swallows a foreign object. Comprehensive plans cover a broader range of treatment options like emergency surgery or treatment of severe illnesses such as cancer.

With most pet insurance plans, common injuries and illnesses will be eligible for coverage. This is if they are not related to any preexisting health issues or hereditary conditions. The same scenario is true with practically all policies out there. There are currently no companies that will cover preexisting conditions. The refusal to pay for preexisting conditions can make it difficult for some cat owners to take out a policy. If a cat was diagnosed with a health condition before you take out a policy, that could make them ineligible for health insurance. Or their coverage options may be limited from some providers.

Let's use hypothyroidism as an example. Hypothyroidism causes the thyroid gland not to be as active as it should be, and the endocrine system doesn't yield the correct amount of thyroid hormone. This condition could lead to other serious health concerns such as kidney disease or heart issues.

Even if your cat who has hypothyroidism is eligible for pet insurance, they still may be denied coverage or provided a limited amount of coverage since the disease can lead to other severe conditions. Therefore, it's essential to understand the exclusions of a policy before you apply. Consider your cat's previous health issues. Use this information to find out about any potential conditions or follow up treatments that may be excluded due to this past diagnosis.

Also, most companies will not provide coverage for routine checkups, grooming services, or cat dental health services. But some providers will allow you to pay extra for wellness and dental care.

Here are some of the current statistics for cat insurance. These facts and figures may help make your decision to purchase pet insurance much easier.

  1. According to statistics from the North American Pet Health Insurance Association (NAPHIA), 68% of all households in the United States own pets. But only 1% of those households currently have pet insurance.
  2. Although the number of households that have pet insurance is still relatively low, the marketplace has grown from a single company, Nationwide (formerly known as Veterinary Pet Insurance), to more than ten companies available today.
  3. The average monthly cost of insurance for cats is $27.93. This is for policies that cover both illnesses and injuries due to accidents.
  4. The average price range of plans for cats is between $10 and $40.
  5. The most affordable monthly premium for cat insurance is offered by PetsBest for around $9.84. The highest plan is offered by 24PetWatch. It costs $40.69 per month with a $100 deductible.
  6. As we have mentioned in other sections, the breed of cat you have will determine how much you pay for cat insurance. Exotic breeds tend to be easier to insure. They are also more affordable at around $12.78 per month, while the British Shorthair and Persian cats have higher premiums at $20.76 and $19.17, respectively.
  7. To be sure that you get the best rate, you should ensure your cat as early as possible. Younger cats are less prone to develop diseases or suffer from serious injuries. Therefore, their monthly premiums will be much lower.
  8. Treatment for common health conditions for cats can range between $215 and $295 out-of-pocket. Urinary tract conditions often cost the most at an average of $295.18, while treatment for hypothyroidism generally costs around $215.75.
  9. The average annual expenses for health care for cats include $245 for a surgical visit, $182 for a routine checkup, and at least $46 for vitamins to keep your cat healthy.

You should think about purchasing a cat insurance plan the same way you would your health care plan. First, you will need to look at the options for deductibles. Deductibles are determined either per incident or per year. Next, you will need to choose your reimbursement level or your percentage for co-pays. Remember that a lower monthly premium will usually result in a higher co-pay and vice versa.

You will then need to think about how frequently you make your payments. Some companies may offer convenient monthly premium payments, while others may offer annual or bi-annual payments with special discounts. Choose the payment plan that works best with your budget.

Here are some more in-depth details on what you should know before buying a cat insurance policy.

Pet insurance companies are very similar to all other providers. That's because each company has something unique to offer customers that their competitors do not have. Therefore, it's best to shop around until you find the policy that works best for you and your pet.

Core Coverage for Your Cat

Core coverage includes the general type of coverage that all pet insurance policies offer. Most pet insurance plans will pay for accidents and illnesses. Accident coverage includes bodily injuries that are a result of an unexpected event. These events can involve swallowing a foreign object, breaking a bone, or enduring insect bites.

Illness coverage often takes care of treatment for infections for diseases. This can include a flea-borne illness or an illness that affects the ears or eyes.

Additional Accident and Illness Coverage

The more inclusive pet insurance policies will offer a broader range of coverage for your cat. These plans may cost $20 to $30 more than basic policies, but they provide coverage to more areas of pet care.

Some of the conditions that these plans cover include:

  • Cancer
  • Diabetes Mellitus
  • Allergies
  • Intestinal Issues
  • Urinary Tract Infections
  • Ear Infections
  • Kidney Failure.

Unfortunately, there are many types of accidents, injuries, and illnesses that most pet insurance companies will not cover.

Here are some of the most common exclusions.

Preexisting Conditions

A preexisting condition includes any illness that was diagnosed by a veterinarian before you enrolled your pet in an insurance policy. There are no companies that offer coverage for preexisting conditions. Additionally, pet owners should know that injuries or illnesses that may be caused by a previous disease are also considered preexisting and not eligible for insurance coverage.

Bilateral Conditions

Bilateral conditions are in the same category as preexisting conditions. If your cat has an injury to one side of their body, such as a torn ligament on their left, many insurance companies feel your pet has a much higher risk of having the same issue on the right side of their body. Due to the increased risk, these insurance providers will not offer coverage for your pet if they already had the same ailment on one side of their body.

Hereditary Conditions

Some pet breeds are more prone to certain diseases than others. If that is the case with your cat, it's possible your pet insurance provider will not offer coverage for an illness considered heredity for your breed.

Routine and Preventative Care

Routine and preventative care are often the least expensive vet visits for your cat. That's why many pet insurance companies do not pay for these services. Some companies offer a wellness plan you can add to your policy for an additional fee. While a wellness plan will help pay for routine care, over time, it doesn't help you save money since you are paying out more for coverage. In most cases, it's best to pay for these services out-of-pocket.

Veterinary Exam Fees

Exams are a regular part of your cat's routine checkup with their veterinarian. These exams alert you and your vet of any current or potential issues your pet may experience. It is a very crucial part of their checkup visit. But many pet insurance providers will not cover exams, especially if they are not part of your cat's routine health care plan. This means if you take your cat to the vet due to an accident or illness, their exam during that visit may not be covered. Some pet insurance providers will reimburse for exam medical, even if the exam doesn't take place during a routine visit. However, most plans will not do this. Exams can cost between $50 and $250 in most practices.

What About Direct Pay?

Direct Pay is an optional reimbursement feature offered by some companies such as Pets Best Insurance. With this feature, pet owners can have the insurance company pay their veterinarian directly for any claim reimbursement amount. Pet owners still need to submit a claim along with a vet reimbursement release form to be directly reimbursed. It is a good option for those unexpected and costly trips to the veterinarian.

Learn About Your Pet Insurance Company's Reimbursement Percentage

Reimbursement is the amount that your pet insurance company will pay back to you for your pet's veterinarian expense claims. The percentage you receive can range between 60% and 100%, depending on the company you choose. The most popular cat insurance plans in the industry offer a reimbursement percentage of 80% to 90% of your total bill for each vet visit.

For Example, your total vet bill is $10,000, and your reimbursement rate is 90%. Once you subtract your deduction, which is typically around $200, you will be reimbursed $8,800 for your payment.

What is the Deductible?

All insurance policies have deductibles, whether you are talking about cat insurance, your own health insurance plan, or cat insurance.

A deductible is the amount of the vet bill you must pay before the insurance company starts to pay you a reimbursement. Depending on the deductible amount you chose when you first took out your policy, you can pay this amount all at once or have it paid off over time.

Deductible options for pet insurance policies range from $0 to as much as $1000. With any type of insurance, a lower deductible leads to much higher monthly premiums.

What are the Annual Policy Limits?

An annual policy limit is a maximum amount your insurance company will pay toward your cat's vet bills every year. The amount for most companies often ranges between $5,000 and $15,000. There are some pet insurance plans that offer incident or lifetime maximum amounts; however, they are rare in this industry.

Pet insurance has been around for quite a while, but it is still considered a new concept. Therefore, you must find out the advantages and disadvantages of having one of these policies.

The Pros of Cat Insurance

The top reasons why you should consider buying a plan.

  • It's Easier to Shop Around and Compare Options. Unlike health insurance for humans, pet insurance is more straightforward. There aren't as many options out there for pet insurance. Therefore, there's not as much to compare.
  • The Premiums Can Be Very Affordable. If your cat is young and has no health issues, you can often get coverage for around $10 to $20 per month. That's a small price to pay for the peace of mind in knowing your cat will be cared for if needed.
  • Deductibles are Also Reasonable. When you consider the cost of emergency surgery, or how much it is for your cat to stay overnight in a pet hospital, the deductibles for car insurance are more than fair. On average, the deductible for a cat insurance policy is $200.
  • You can Choose Your Own Vet. There are no out-of-network providers with insurance like there is with your own health insurance. So, you can visit the same veterinarian or choose a different one when you take out a policy.
  • You can do More for your Pet. According to statistics from the NAPHIA, pet owners who have insurance are more likely to seek out medical treatment for their pets and save their lives than those who do not have pet insurance.

The Cons of Pet Insurance

Things you should consider when buying a plan.

  • Premiums are Higher for Older Pets. If you have an older cat that you want to insure or one who has a preexisting health condition, you should be prepared to pay out more than others for your premium. Therefore, it's important to compare prices for cat insurance plans and premiums. You don't want to end up paying more annually for an insurance plan you won't benefit from much.
  • It Doesn't Cover Everything. Routine checkups and treatment for some health conditions are not covered by the majority of all pet insurance companies. On average, most pet owners still end up paying for at least 20% of their pet's health care needs.
  • You Will Still Need to Pay for Procedures Up Front. While you may be reimbursed later for some procedures, you will still need to pay for many forms of treatment upfront. Therefore, it is a good idea to set up a savings account that will help pay for those unexpected emergencies.
  • Coverage Limitations. Many pet insurance plans will limit the amount you can claim either annually or throughout the lifetime of your pet. It can be unfortunate to learn your pet needs serious, yet expensive treatment, and you have already gone over your limit.

Because pet insurance works differently than health insurance for humans, it's important to understand the process of filing a cat insurance claim.

When you take your cat to the vet for treatment that is covered by your pet insurance provider, you will pay your vet out-of-pocket as normal. The representative will provide you with an itemized invoice.

You will then need to complete the claim form with all the necessary details. By completely filling out the claims form as accurately as possible, you can ensure that you receive a fast reimbursement.

Next, you will need to submit your completed claims form and any relevant invoices using the methods that your pet insurance provider accepts. Most will allow you to send your documents via email, fax, or mail.

Some companies will allow you to submit all files through a Patient Portal on their website. Or they may have an app that allows you to file a claim directly from your iOS or Android device.

If you need a claim form, you can usually download one from your provider's website. Print it and add in the required information before scanning and submitting it to the company.

Claims are often processed within a week after they are received. Any missing information or records from your vet could cause a delay in claims processing. You must contact your provider if you have any questions or concerns during the claims process.

After the claim is processed successfully, you will receive reimbursement for all eligible charges. An individual claim evaluation helps determine which expenses are eligible. The payment is made on reasonable fees in your area for eligible testing and treatment. Your plan's deductible will also be applied if you have not met it yet. Most pet owners will receive a reimbursement that is at least 80% of the amount they paid upfront for their pet's treatment.

The cost of cat insurance is based on several factors. On average, it ranges between $10 and $80 per month. While the lower price range plans may seem like a good choice, they do not cover as much as the higher plans. Most policies that cost between $10 and $20 are accident-only plans.

These are good for pets that are generally healthy and only need to visit the vet for injuries due to an accident.

Many of the comprehensive plans that cover accidents and illnesses will cost between $20 and $40 each month. These plans cover more services, such as treating serious health conditions to treating infections or wounds.

The monthly premium for your cat insurance may also be higher or lower, depending on your cat's breed. Your cat's genetic makeup could cause you to pay less or more for your pet insurance policy. Playful, active breeds like the Abyssinian have a higher risk of developing kidney disease, knee problems, or vision issues. They are among the highest breeds to insure.

Healthier cat breeds such as the Tonkinese, are some of the cheapest to insure. That's because they have healthy genes and a stronger immune system, which means you will have fewer visits to the veterinarian.

The age of your cat is another factor that will determine the price of your monthly premium. It costs much more to insure an older cat than a younger cat or kitten. That's because kittens and young cats often have very few health issues. Older cats tend to have more accidents that lead to severe injuries. They are also more likely to be diagnosed with a critical health condition that requires frequent visits to the vet. On average, the monthly cost for a cat insurance premium for a one-year-old cat is around $21.87. The monthly fee to ensure a cat that is approximately ten years of age is $48.57 per month.

Buying a cat insurance policy can provide you with peace of mind as a pet owner. But it’s important that you understand what this covers and what it doesn’t. For some pet owners, their savings may not be substantial enough for them to take out a policy. But you never know when an accident or sudden illness may occur. There are several affordable cat insurance plans out there, and for less than a dinner for two each month, you could help guarantee that your cat remains happy and healthy by purchasing a policy today.

To learn more about your options for cat insurance, contact the experts at Petinsurancefinder for more details. Our licensed professionals will be happy to answer any questions you have.