Having a cat isn’t always cheap, with vet bills running into the thousands of dollars. If you haven’t had to pay them yet, you’ve probably got a friend or relative who did. Yet, did you know that fewer than 1% of pet owners have pet insurance according to Embrace?

As you probably already guessed, today we want to talk about pet insurance, the extreme importance it has for your cat, for your financial obligations, for your own peace of mind, and, of course – for your future moments with your furball.

So, what is pet insurance exactly and why should you get it for your cat?

Chances are you’re keeping your precious kitty indoors. This means no outdoor trips, no visits to your neighbor’s backyard and no playtime outside the safe surroundings of your home. And there’s nothing wrong with that. In fact, this is actually one of the best ways to keep your cat safe from all sorts of dangers and diseases.

Unfortunately, cats aren’t perfectly safe even when they’re living only indoors. They are prone to getting themselves into some dangerous trouble mainly thanks to their playful, adventurous and whimsical nature. Jumping from cabinets, climbing the curtains, exploring every single corner of your house or apartment with curiosity – all of these things can lead to a nasty accident.

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Cats can get injured or sick just like we, humans, do.

Accidental injuries aren’t the only trouble your kitten could face. Cats of all breeds and ages are prone to developing a variety of diseases and illnesses, especially as they become older and in need of a special health care and a change of diet.

Newborn kittens are just as fragile as human babies and young kittens can also develop various illnesses even when they’re kept far away from the dangers of the outside world. As time goes by and they grow older, they become more prone do experiencing health related issues. And having to deal with a sick pet is definitely one of the hardest and most heartbreaking things any pet owner could go through.

On top of it all, your feline friend is never fully protected against aging, developing an unexpected new disease or getting diagnosed with a life-threatening condition. Fortunately, there are ways to make sure these unfortunate cases won’t cost your kitty’s life and won’t make you spend a fortune on vets, treatments, procedures and medications. And these ways are called pet health insurance plans.

What is pet insurance?

It’s just like life insurance, health insurance or accident insurance for you or your property. In this case, it’s for your precious furball.

Pet owners from all over the globe opt for various pet insurance plans for their cats, dogs, rabbits, horses. If you’re a pet parent and you want to make sure you’ll be able to fully take care of your cat in case of an emergency, you should definitely get pet insurance for your feline friend even before something bad happens to him or her.

Pet insurance can cover all sorts of bills, taxes, treatments – basically, it saves you all the hustle and it eases the financial strain of the unpleasant emergency situation. It will cover vet bills and further treatments in a case of an accidental injury, an unexpected diagnosis, or any type of sickness.

It will help you financially.

Not only that, but it can also put your mind at ease even in the lack of any emergencies – just because of the fact that you have pet insurance for your cat.

The veterinary costs are constantly rising and providing the best health care and medical treatment for your fluffy friend can be quite challenging. The fact that your pet’s sickness or injury can also bring you down emotionally makes things even worse. Pet insurance offers you and your cat health safety, emotional assurance and financial comfort.

How does it work?

It’s actually a lot like property or life insurance.

Pet insurance works in four different categories. You can get insurance for accidents alone; a time-limited insurance in case of injuries or sickness; unlimited insurance for various conditions, or even a life-time insurance for every possible situation.

(Expensive health care for cats – is it worth it? Yes!)

Is pet insurance expensive? Here’s the short answer – it’s less expensive than all the bills, medications, treatments and vet taxes you’ll have to pay if something happens to your little loved one.

The price of the different types of cat insurance is actually quite relative. There’s no ultimate price, since the fees depend on your cat’s breed, age, genetics, current health, possible medical complaints, health history, and so on. It also depends on your own current whereabouts and on your own financial status. But before we delve deeper into prices, let’s review the four types of pet insurance again, only this time in further detail.

  • Insurance for accidents

The accidents-only insurance will cover your kitty’s accidental injuries. Each type of injury and each part of your kitten’s body represents a different amount of money, which the insurance will pay in case of an injury. This means that if your kitten injures its leg, the insurance will cover a different fee than the one you’ll receive if your furball injuries its tail. The severity of the injury will also play a big factor in the medical fees, which your pet insurance company will cover. This particular insurance plan, however, does not cover your bills when it comes to illnesses and diseases.

  • Time-limited insurance per condition

The time-limited insurance plan usually covers your cat’s medical needs for injuries and sickness over a fixed period of time, which is usually 12 months. This type of health insurance also comes with a fixed price, which means that if your bills exceed the price, you’ll have to pay the rest on your own.

  • Unlimited insurance for various conditions

The fees for the unlimited insurance cover all sorts of health conditions, including the accidental injuries. All you have to do in this case is keep on renewing the insurance policy. It falls under the mid-level insurance category and some pet insurance companies might deny paying you the insurance in the case of a re-occurring health condition.

  • Insurance for a life time

The life-time insurance is your safest bet. It covers everything – from unexpected diagnosis and the consequences of nasty incidents, to constantly re-occurring health problems.

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What type of insurance is the best one for you and your cat?

PetsBest is the most flexible, most responsible and the most pet owner-friendly pet health insurance company out there. Their rapid claim processing, their various health care programs and their lack of deductible fees are outshining other big companies like ASPCA and VPI. Here are some of the main reasons as to why you should choose PetsBest over every other major company.


The BestBenefit Accident and Illness plan

If you choose to go for one of the accident and illness plans for your adored feline, you will get a fully customized health care insurance plan, which will cover your medical expenses and vet bills for a large variety of conditions, including the following:

  • Accidental injuries

Poisoning, broken or injured body parts, car accidents, swallowing a foreign object, laceration

  • Illnesses

Cancer, skin infections, diabetes, urinary tract infections, allergies, arthritis, epilepsy, ear infection, hip displacement, glaucoma, elbow dysplasia, IVDD (Intervertebral Disk Disease), cherry eye, other forms of congenital diseases

  • Surgery

Surgery bills, test taxes, pre-anesthesia tests, emergency hospitalization

  • Medications and treatment procedures

The health insurance plan covers bills for prescribed medications, physical therapy, hydrotherapy, other types of rehabilitation procedures, wheelchairs, prosthetic devices and other types of aiding equipment.

  • Diagnostics

Various diagnostics-related bills, including taxes for MRIs, blood exams, X-ray scans, pathology reports

  • Behavioral conditions

This plan covers taxes related to behavioral problems and bills for behavioral consultations with specialists.

  • Pregnancy

The accident and illness plan also covers any fees that your vet might charge you if something goes wrong with your cat’s pregnancy.

  • Coverage while traveling

Insurance coverage while traveling is available for cats just like it’s available for us, humans, and it’s just as important.

  • Insurance coverage for worst case scenario

In the unfortunate case of a need of euthanasia or cremation, the insurance plan will cover your medical expenses

The BestWellness Routine Care Coverage plan

Apart from the unexpected injuries and the expected health problems, your kitten also needs to visit the vet’s office for medical routine check-ups on regular basis. And that doesn’t come cheap, especially if your vet is great at what he/ she does, and especially if you happen to be the proud owner of a feline furball of a rare breed. These routine check-ups aim at keeping your cat healthy and happy by regularly checking your pet’s health condition.

PetsBest’s routine care coverage plan will pay you the following amount of money for check-up procedures:

  • Annual Exam – $50
  • Heartworm Test – $25
  • Urinalysis Test – $25
  • Felv Test (Leukemia) – $60
  • Fecal Test – $15
  • Blood Panel – $60
  • Spay / Neuter – $100
  • Teeth Cleaning – $100
  • Microchip – $20
  • Flea, Tick & Heartworm Prevention – $25
  • Rabies Vaccination – $15
  • Leukemia Vaccination – $25
  • FVRCP Vaccination – $25
  • FIP Vaccination – $20

Basically, the total amount of the annual benefits you’ll receive from this health care insurance plan is more than $560. While each plan can be unique the prices may vary according to your location. All of the above stated benefits and coverage are paid annually.


How To Get A Quote For The Best Price On Insurance

First, click here to go to the Pets Best website.

Next, enter your zip code in the box provided, and click “GET QUOTE”.



You will be taken to a page asking you for some details about your cat. Fill these in based on the arrows in the next image, then click the “Get My Quote” button at the bottom.


Next, you get to customize your plan! This will depend on your personal circumstances, so I can’t help you out too much, but they give you a lot of options when it comes to making the perfect plan for you and your cats’ needs. Choose each option next to the arrows in the image below, and then either add another pet to the quote (for a discount!), or click “Continue”.


If you’re ready to protect your cat and your wallet from unexpected (and even expected) vet bills, then go ahead and fill out your payment information. They accept credit, debit, or prepaid cards, as well as direct payments from your bank account. Remember that you save money by paying a year in advance, so if that works with your budget, it’s an option!

Oh, and one of the best parts? They actually give you a 30 day money-back guarantee! On insurance! As long as you haven’t made any claims, they will happily refund your first month’s payment if you decide it’s not for you, so there is literally no risk.

Fill in all your details, agree to the terms and conditions, hit “Review Info” to check things over one last time, and relax knowing your kitties’ covered!


They will also send you an email with a link to your quote, in case you want to come back to it later on after thinking on it a bit more.

Ready to go?


So, which plan best suits you and your cat?

It doesn’t matter if you’re a first-time, brand new cat owner, if your kitty is a newborn, an elder or if it’s making its way into a grown-up cat. You should first and foremost get the routine care coverage plan. Each cat needs routine check-ups even if it has an outstanding health history and no genetic problems. And these things don’t come cheap or easy.

The vet fees can set you back with more than you’d think!

Your feline friend is just as important as any part of your actual human family and getting a pet insurance is not only a way to ease up your possible financial strains, but it’s also the best way to provide a healthy future for your cat filled with happiness and lovable purring.

If your financial status allows you to get both of PetsBest’s plans, you should most definitely do it as soon as possible!

They are flexible, they won’t make you wait forever until they cover your unexpected or expected expenses, and they will help you with any health problem your cat might develop – from treating life-threatening conditions like cancer to performing various cosmetic procedures like dental cleanings. On top of all that you can create your very own, special health care insurance plan, which will be just as unique as your bond with your kitty is.

And do you want to hear the best part? You’ll get a discount on PetsBest’s plans if you enroll more than one furry friend in their accident and health insurance plans!

Vitamins, exercising and supplements won’t do you much if your cat needs serious medical help. Not to mention the fact that supplements, minerals and vitamins also cost money and won’t ever stop your kitten from getting sick or from injuring itself.

With PetsBest’s pet insurance plans for our little feline friends your cat will get the chance to spend more purr-ing moments with her/ his owner and you’ll get to enjoy the health and monetary benefits the insurance plans can offer.

Ensure your cat’s safety and health as soon as you can, so that when the time comes you wouldn’t have to worry between choosing your pet’s needs and your financial status’ setbacks. You should do it even if you think it’s too expensive for you.

After all, a cat deserves just as much treatment as you do as a human being, and your precious kitty’s needs should never be neglected – especially if it means easing up your future financial problems.


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  • Updated March 8, 2017
  • Health
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