The Best Pet Insurance for Cats and Kittens: Reviews and Ratings to Keep Your Kitty Healthy

Before a friend of mine started work as a dog walker several years back, I had never heard of pet health insurance. I just assumed that everyone did what I did: pay out of pocket for all pet care expenses.

And in recent years, I’ve noticed that the trend in pet health insurance has risen with dog owners but has yet to become popular for cats.

Perhaps this is the case because dogs more visibly show their illnesses and injuries, while cats tend to be quiet about them. A lot of cat owners may not even realize their cats are suffering.

Or maybe it’s just because pet health insurance is still seen as a luxury by many and most people don’t realize how beneficial it can be for their kitties and their pocketbooks.

That’s a lot of why I’m advocating for insurance and giving you as much information as I can to help you determine which insurance is valuable for your furry family members.

Quick-Find Top Picks Table

  • Annual deductibles
  • Very reasonably priced, especially with the benefits they offer
  • Easy to use app for claims
  • Annual deductibles
  • Very reasonably priced, especially with the benefits they offer
  • Easy to use app for claims
  • Alternative care covered
  • Easily submit claims
  • No upper age limit for enrollment
  • Alternative care covered
  • Easily submit claims
  • No upper age limit for enrollment
  • Coverage – after 365 days – for pre-existing conditions
  • Excellent customer service
  • Best pet insurance for older cats
  • Coverage – after 365 days – for pre-existing conditions
  • Excellent customer service
  • Best pet insurance for older cats
  • 90% Reimbursement
  • Unlimited lifetime coverage
  • Holistic treatment plans available
  • 90% Reimbursement
  • Unlimited lifetime coverage
  • Holistic treatment plans available

female vet checking a cat for cat insurance

What is Pet Insurance?

Cat health insurance is very similar to health insurance for humans. It’s designed to help cover a variety of health care related costs, including but not limited to:

  • Medications
  • Vet visits
  • Specialist care
  • Shots
  • Surgery
  • Emergency Care

What Does Pet Insurance Do for My Cat?

Probably the main the thing that insurance will do for your cat is cover big expenses now or over time. What’s covered will vary depending on the exact policy you choose.

Average costs for medical procedures and treatments will vary greatly depending on where you live, but some of the general figures I’ve found for the more common issues look like:

  • Common antibiotics – $10 to $150 per treatment supply
  • Common surgeries – $100 to $3000 or more
  • Annual shots – $50 to $150
  • Vet visits – $50
  • Emergency care visits without treatment costs – $100 to $300
  • Specialist care visits – $400 to $500

Some of those aren’t too bad – Amoxicillin for $10, for example. But some are way unrealistic for the average person to shell out a couple of times a year.

With the right pet insurance, the majority of those costs are going to be covered.

When is Pet Insurance Worth the Cost?

Some folks have a pet health care savings account. They store away money, a little at a time, with the intention of using that cash to take care of unexpected costs that arise when Tiger gets ill. This is a great idea.

But health insurance for your cat does so much more than just cover the big expenses that come up. Health insurance also covers the basics of everyday care – much like our own health insurance does for us.

If your cat gets mildly ill or needs shots, pet insurance should cover that. Since common illnesses and the need for shots comes up one to four times a year for most pets, that could wind up being pretty expensive and tear down that savings account quickly.

Instead, the small premiums you pay on the health insurance help make sure that the little and the big expenses are covered.

When is Pet Insurance Not Worth the Cost?

Generally speaking, pet insurance is a good idea. There aren’t a lot of instances when I would say a cat owner shouldn’t have it.

Generally, that’s going to only be in very specific situations: A cat with hereditary health issues or non-curable pre-existing conditions that insurance policies won’t cover.

Unfortunately, both of these circumstances render most feline insurance policies nearly worthless. There may, however, still be some value in having some insurance for your cat that would cover things like check-ups, standard care, et cetera.

So, What Should I Look for in Pet Insurance?

I know cats. I know the health issues, the breed information, nutritional needs, et cetera. But I admit, I’m not an insurance expert.

However, I have done a ton of study and review on the subject for this article because I want the best insurance for my cats, and I know you want the best for yours.

So, studying the ins and outs of insurance, in general, is the first thing to do when looking for insurance.

The second thing is looking at how insurance applies to our cats.

After the research, these are the things I’ve concluded we all need to examine and review before making any decisions about the right pet insurance for our cats.

man in suit holding an insurance form and a pen for cat insurance

1. Comprehensive Coverage

If you’ve ever shopped for any kind of insurance – for your cat, your house, your car, or even your boat – you’ve heard this term: comprehensive coverage.

But what does this mean?

As I’ve researched and asked questions, I’ve learned that comprehensive plan coverage means: Insurance plans that cover a wide range of medical care. This is often called “major medical health care.”

That means that comprehensive coverage isn’t going to limit the coverage to one or two areas of care, but will cover most health issues. This does not guarantee any particular area is covered, including pre-existing conditions. You will need to check individual policies to know which things are and are not included in the wide range of coverage.

2. Hereditary and Pre-Existing Condition Coverage

The policy that covers either hereditary conditions or pre-existing conditions is going to be rare and most likely very pricey. If you have a Persian, for instance, you likely know that your kitty is prone to hereditary health conditions such as Polycystic Kidney Disease and Progressive Retinal Atrophy.

This means that those conditions will not be covered under the standard health care policy since you do have a Persian.

If you do have a cat with hereditary conditions or a kitty who’s already been diagnosed with a chronic illness, you will want to pair your cat insurance with a savings account that will build to larger amounts of money to cover the costs of possible health care needs in the future.

3. Coverage Based on Actual Vet Bills

This is a big one. A lot of times, people think that medical coverage means doctor bills – or in this case vet bills – will be completely covered by the insurance.

Insurance companies, however, have a lot of confusing language that may hide the fact that vet visits are not covered, or that only part of the vet bill will be covered.

It’s important to know which portion of the vet bills will be taken care of by insurance, and which ones you’ll be paying out of pocket.

Don’t be shy about asking direct questions on this. It’s important for you to know what you’re really paying for.

4. No Limits for Specific Conditions

Verify that the pet insurance company doesn’t limit coverage for things like diabetes or other chronic health conditions kitty has or might incur.

5. Coverage for Prescription Costs

As we all know, medications can get darn expensive. Antibiotics for an infection, creams for treating stitches, and other basics can all add up to a ton of money.

It’s important to find an insurance that will cover the cost, or at least part of the cost, of prescriptions for your fur-babies. Paying out of pocket can take you way beyond your budget. It can also kind of make you feel like you’re wasting your money on paying for insurance if it’s not covering the basics.

6. The Overall Cost

Whether you pay an annual amount for your vet insurance for cats or have a month-to-month plan, the cost of the overall fees for the coverage, deductibles, prescription coverage, et cetera will all factor together to help you understand and decide which plan is best for Garfield.

If everything is pretty much covered, you’ll obviously have a higher per month premium. But knowing everything is covered may well be worth the slightly larger monthly/annual cost than other plans might run.

7. The Customer Service

This is a critical issue for all cat medical insurance companies. How much red tape do people have to cut through to get reimbursed or payment made for treatment? How long do you have to wait for said reimbursement? And how difficult is it to get ahold of a human being at the company?

Just like in every other kind of bureaucracy, there has to be a way through. If other pet owners are complaining online about how difficult it is to get payments made or treatments approved, you want to steer away from that pet insurance company.

8. The Deductibles

Finally, you’ll want to see the options on deductibles. Again, just like human health insurance, the amount on the deductibles will have an impact on the affordability and value of the insurance at all.

Obviously, the lower the deductible/the higher the reimbursement, the higher the cost of the premiums will be. But you’ll need to decide which is most important for you now: lower up-front or lower-long-term costs.

Deductibles basically work this way.

Per-Incident Deductibles

“Per-incident” means that every time your pet has a medical incident, you will pay a deductible that may or may not be higher than the amount you’ll be reimbursed.

In other words, you could have a $500 per-incident deductible and your pet has a surgery that costs $400. You won’t see any of that $400 from the insurance.

This type of deductible is more beneficial for cats who are not very likely to have recurrent injuries or issues with getting ill.

Annual Deductibles

An annual deductible means that you pay a single deductible once per term. That means if your cat has two accidents in a year, you pay one deductible, not two.

Per-Illness Deductible

This less common deductible plan is available from some insurance providers, but not all. This type of deductible gives a different cost per illness type that has to be paid per illness. That means that Fifi having issues with her kidney may have one deductible cost while later on in the year her battle with urinary tract issues will have a different deductible.

Per-Condition Deductible

The final deductible type that I could learn about is similar to “per-incident” deductibles but is tied to particular chronic conditions rather than injury or singular illnesses. This means that if Tigger has a chronic illness but is otherwise healthy, you’re paying the deductible cost on treatment for that illness.

9. The Other Common Exclusions

Finally, be sure you know what common things are being excluded by the policies you’re looking into. Some of these will be more important to some pet parents than others, but you’ll still want to know about some of them.

  • Non-veterinary care expenses
  • Holistic health care
  • Parasite treatment
  • Age limits

How to Get the Insurance

Finally, before we dive into my reviews on the various pet insurance companies, let’s talk about the process of getting the insurance itself.

1. Look into Multiple Companies

While my reviews should certainly narrow down the list, you will want to get up-to-date quotes for the costs of the insurance for your kitty today. These will vary by age, breed, and gender with most companies.

Call up, email, or fill out the online forms for the various providers you’re interested in, and compare the quotes side-by-side.

Never commit to the first insurance you talk to. The third or four option may turn out to have better coverage for your cat’s specific needs, but you won’t know that if you went without comparisons among the handful of worthwhile options you’ve got.

Give yourself a couple of days to gather the quotes and review, just don’t wait too long to decide.

2. Call and Ask Questions

I’ve found that the most effective way of knowing exactly what a policy covers and doesn’t cover is calling to ask questions.

When you do call, be direct with what you want to know. Don’t beat around the bush is your cat has a chronic condition or comes from a long line of kitties with hypertrophic cardiomyopathy in their genes. If the insurance doesn’t cover the issues, it won’t matter if you ask about them ahead of time.

3. Do a Side-by-Side Comparison

Once you’ve had your questions answered and gotten all those quotes together on the different prices and coverages, look at each policy side-by-side.

It may be a super easy decision. One policy could have all the features you’re looking for. Or they could all look basically the same to you.

If you find yourself unsure of which to choose, go read a few more reviews on the ones you’re most interested in and see what real pet parents have to say about it, and think through the qualities I’ve listed above.

Other Important Things to Note

The next few things are just some handy tips I’d like to pass along. All my research and study indicates these are important to do to make sure your cat receives the best care possible.

Insure Your Kitty as Soon as Possible

Instead of waiting until after Garfield’s been around for six months, make sure you insure him right away. As soon as you can, get those quotes going and make a decision.

Always Carry the Documents with You

I’ve learned that it’s important to always carry your pet insurance information with you, just like your personal health care information. You never know when the information might be necessary.

Catological’s Cat Insurance Reviews: The Four Best Feline Insurance Companies

I found tons of pet insurance companies. In fact, way more than I thought existed. I went through a process to decide which ones I’d want to suggest to you and narrowed down the list to ones I would entrust with the health of my Fluffballs.

vet holding needle about to inject it in the cat for pet insurance

How We Decided Which Insurances to Suggest

Doing a simple Google search of “cat insurance reviews” dropped me into a world of information I didn’t know what to do with. There were dozens of companies who offer protection for cats. I knew they couldn’t all be that great, so I started asking a lot of questions.

  • What should cat insurance cover?
  • What are the prices?
  • Which companies have been around a while?
  • Which policies cover the needs of my own cats, and the needs of other cats I know?

I searched about 50 different review websites looking for answers and did cat insurance comparisons from these to start my investigation.

I eliminated any companies that didn’t have high customer ratings. I didn’t want to waste my time – or yours – on any that didn’t meet all the standards I’ve set out for us here.

I then eliminated any that weren’t readily available to everyone. I want to make sure my suggestions are universal.

That left me with about a dozen options to really look into and ask questions on.

Finally, I created a profile for my friend’s cat, Stardust, a little gray ball of fluff, one-year-old, and saucy as you’d ever hope to meet. As I received quotes, I aged her in five-year increments to see how prices increased. You’ll see quotes based on a mixed-breed female cat at one, five, ten, and fifteen years of age (where possible).

This is my list of the absolute best cat insurance companies in the business.

#1. The Best Overall Feline Insurance: Healthy Paws Pet Insurance (EDITOR’S CHOICE)

healthy paws pet insurance

Overall Rating: 4.8 out of 5 stars

As you can tell by my numbering, I’ve ranked Healthy Paws as my choice for best pet insurance for cats. They offer very comprehensive coverage, flexible deductibles, have amazing customer satisfaction ratings, and are reasonably priced.

Here’s the breakdown.

  • Common Exclusions: Some age restrictions
  • Deductibles: Flexible
  • Cost: Very reasonable
  • Customer Service: Excellent
  • Pre-Existing Conditions Policy: Not covered
  • Prescription Coverage: Yes
  • Comprehensive Coverage: Yes
  • Vet Bills Based: Reimbursement
  • Bonus Benefits: Yes
  • Premium Increase with Age: Moderate

Quotes Given:

  • 1 year old – $11.57 monthly
  • 5 years old – $16.82 monthly
  • 10 years old – $32.55 monthly
  • 15 years old – N/A

The Positives of Healthy Paws

Of course, the biggest and most important thing in all insurance is the comprehensive coverage. Healthy Paws covers all illnesses and accidents, so that’s a massive win, to begin with. There are unlimited lifetime benefits as well, and no claim caps. Also huge.

As to deductibles, honestly, going with an annual deductible is usually the best option from everything I’ve learned in my plunge into the insurance world, though it can depend on the exact deductibles plan.

The price for Healthy Paws is also a huge deal: Even with the better coverage plans, it’s still reasonably priced, and even, in some cases, lower than the competition on less comprehensive plans.

I also love that when you do need to file a claim you get great response time via the phone app, and you can opt for direct deposit instead of having to receive a check and drive to the bank.

Another nice thing with Healthy Paws is that you can find a variety of discounts available. Win-win-win!

Finally, your cat is covered when you travel together in either the United States or Canada. If you tend to stay close to home that doesn’t matter, but since my cat is a weirdo and likes new places, I love this feature.

The Negatives of Healthy Paws

No policy or insurance company is perfect, and these are the things I don’t love about Healthy Paws for my kitty or yours.

  • Vet exams and behavioral therapy isn’t included
  • There are some age restrictions – cats over 14 can’t start a new policy
  • There’s a 15-day waiting period for both accidents and illnesses reimbursement
  • There’s an initial one-time fee of $25

Our Verdict

After investigating the benefits of using Healthy Paws, I wasn’t surprised that they had made it into the top five lists on many sites, often as the number one choice. And, as you can see, they’ve made it to my number one choice slot as well.

Their comprehensive coverage, reasonable price, and great benefits and bonuses make them, in my opinion, the absolute best option in veterinary care insurance for cats for most cat households.

>> Click Here To Get Your Free Quote From Healthy Paws <<

#2. Second Choice for Overall Best Pet Insurance for Cats: ASPCA Insurance

aspca pet insurance

Overall Rating: 4.6 out of 5 stars

Another one of the best insurance companies I found for pets is the ASPCA. We know the organization for their reputation in animal rescue and advocacy, and now we can know them for great health care insurance for kitties.

Here’s the breakdown.

  • Common Exclusions: Fewer than others
  • Deductibles: Various
  • Cost: Moderate
  • Customer Service: Not the best
  • Pre-Existing Conditions Policy: 180 symptom-free days not counted as pre-existing
  • Prescription Coverage: Yes
  • Comprehensive Coverage: Yes
  • Vet Bills Based: Option to pay vets directly
  • Bonus Benefits: Yes
  • Premium Increase with Age: Significant

Quotes Given

  • 1 year old – $23.85 monthly
  • 5 years old – $27.82 monthly
  • 10 years old – $49.68 monthly
  • 15 years old – $89.42 monthly

The Positives of ASPCA Insurance

The ASPCA knows animals, and they care about them.

Their insurance offerings consider that need for care for all critters and offer good options.

For example, there is no upper age limit for your cat to enroll. Most companies put an upper and lower age limit because of the vulnerability, but ASPCA believes all pets should have the right to coverage.

You can receive up to 90% reimbursement for expenses, and you actually receive lower rates for multi-cat pet insurance plans.

One of the other things I love about the ASPCA insurance is that the plans are highly customizable. That means I can focus more on holistic type care for kitty if that’s what I prefer.

With the ASPCA, I love that you can also visit any vet or specialist. So, if you know that your Clyde gets along well with the staff at Lake Hill Veterinary, you can still bring him now that he’s insured.

And while there are other great features, I want to also mention that one of the biggest reasons the ASPCA insurance made my top picks list is because you can much more easily submit claims and get reimbursed than with a number of other companies. For me, that’s huge.

The Negatives of ASPCA Insurance

Of course, even the best things in life have some downsides. The ones I noticed for the ASPCA insurance plans include:

  • Annual limits
  • Preventative care coverage is an optional extra insurance plan
  • While you can receive up to 90% reimbursement, it’s not guaranteed
  • There’s often a 14-day waiting period for illnesses and accidents

Our Verdict

Overall, the ASPCA insurance option is one of the best in the industry. There are moderate and subtle differences between it and Healthy Paws and the others listed. It’s honestly probably going to come down to your specific cat’s needs on whether you choose ASPCA or Healthy Paws, or possibly some other option with benefits for pre-existing conditions or hereditary problems.

>> Click Here To Get Your Free Quote From the ASPCA <<

#3. Best Plans for Cats with Chronic, Hereditary and/or Pre-Existing Conditions: Figo Health Insurance for Pets

figo pet insurance

Overall Rating: 4.3 out of 5 stars

Figo pet insurance is a solid choice for health insurance for your pets. There are certain aspects that I love about it more than others, but some I love less.

One huge deal for me, though, is that once you put Kit-Kat on the policy, if she has a curable pre-existing condition, she starts receiving coverage on that treatment a year after the policy starts.

So, if your bank account can hold out until then – and let’s face it, you’d be paying these costs anyway – your vet bills will start going down once 365 days have passed.

Here’s the breakdown.

  • Common Exclusions: Pet must be 8 weeks to enroll
  • Deductibles: from $50 to $500
  • Cost: Slightly higher than average, but low as cat ages
  • Customer Service: Excellent
  • Pre-Existing Conditions Policy: Yes, after 365-days on policy
  • Prescription Coverage: Yes
  • Comprehensive Coverage: Yes
  • Vet Bills Based: Reimbursement
  • Bonus Benefits: Yes
  • Premium Increase with Age: Minimal

Quotes Given

  • 1 year old – $14.33 monthly
  • 5 years old – $20.48 monthly
  • 10 years old – $15.08 monthly
  • 15 years old – $17.69 monthly

The Positives of Figo

I was slightly skeptical of Figo when I first started looking into cat health insurance. They are on a number of top 10 lists and highly rated by reviewers, but rarely at the top. Which spoke to the fact that they’re good, but I wasn’t thinking they’d make it on my list for that reason.

I was proven wrong, however, when I started examining the coverage and care plans they offer. In fact, I was highly impressed with their options, coverage packages, and the fact that they have something that no one else on my list has: Coverage for pre-existing conditions.

There are limitations, of course, to all of this, but the main positives I found for Figo include:

  • They waive copays and deductibles for lifesaving care of cats
  • There’s the possibility of 100% reimbursement
  • The coverage is very comprehensive
  • They’ve got great customer service
  • They’re in the Cloud
  • They have discounts – when I got quotes, they asked for promo codes

Some of the bonus benefits aren’t a make-it-or-break-it kind of thing for me – like the Cloud insurance plan – but they certainly could be a tie-breaker for some if it came down to that.

I would also note that this is probably the best pet insurance for older cats.

The Negatives for Figo

Of course, no insurance plan is perfect. A big negative is that the annual limits on the policy could be reached on a single incident – like a major surgery or illness – and that’s a big downer for me.

I love my cats, and the idea that I might use all their pet insurance coverage in a year on a single event causes me pause.

Also, there’s no routine or preventative care coverage. That’s another huge issue for me. I want my kitties safe and healthy – which means I want preventative care options. This would especially be true for any kitties that have potential hereditary issues or signs of potential illnesses coming on.

They also have limited business hours, which though they have great customer service means that I can’t always get through if there’s an issue – especially since pets don’t hold to weekends and after office hours.

Our Verdict

There are a couple of significant downsides to Figo insurance, but if you’ve got a cat who’s got a curable pre-existing condition or an elderly furball, this is probably the most reasonable and logical plan for you. Make sure you ask questions about the particular condition(s) your cat has, though, before choosing this plan.

>> Click Here To Get Your Free Quote From Figo <<

#4. Best Plan for Holistic Coverage: Trupanion Insurance

trupanion pet insurance

Overall Rating: 3.6 out of 5 stars

Trupanion is one of the most highly-rated cat health insurance options available. As I searched for the best feline insurance, Trupanion topped the lists of most of the sites I reviewed. And as I investigated into the coverage plans, I discovered why.

Here’s the breakdown.

  • Common Exclusions: Allows pets from birth
  • Deductibles: Various
  • Cost: Rather pricey
  • Customer Service: Slightly above average
  • Pre-Existing Conditions Policy: Not covered
  • Prescription Coverage: Covered
  • Comprehensive Coverage: Yes
  • Vet Bills Based: May pay vet directly
  • Bonus Benefits: Yes
  • Premium Increase with Age: Significant

Quotes Given

  • 1 year old – $19.71 monthly (lowest)
  • 5 years old – $29.71 monthly (lowest)
  • 10 years old – $43.95 monthly (lowest)
  • 15 years old – N/A

The Positives of Trupanion Insurance

Trupanion has a very versatile coverage plan with a lot of things covered that a number of other companies don’t insure.

Some of the great things about Trupanion that earned it a place on our list includes the following benefits:

  • You receive 90% reimbursement on all of the policy options.
  • There’s unlimited lifetime coverage, which is pretty important, especially as our furry friends start to age.
  • Your kitty can receive holistic and non-traditional treatments like acupuncture, hydrotherapy, and physical therapy if the need arises. This comes from optional benefits coverage, however, and is not a part of the standard policy.
  • Trupanion also offers a wide variety of deductible options so that you can choose the right plan for your family.
  • Trupanion even offers insurance coverage for working animals like service animals.

The Negatives of Trupanion Coverage

There are a few negatives I need to point out. They’re not horrid for most of us, but they should be mentioned.

  • There’s a somewhat long-waiting period for reimbursements and payments. 5 days for accidents and 30 days for illnesses.
  • Some states have a $35 enrollment fee.
  • Overall, this tends to be a little bit pricier than a number of other insurance providers, though that is, of course, subject to the deductible and policy plan chosen.
  • Pets must be enrolled before their 14th birthday to be eligible.
  • There is no wellness plan coverage, and the standard exam fees are not covered.

Our Verdict

What I love about Trupanion is that they allow you to take a more natural approach to giving your cat health care. I’ve not studied why a cat might need acupuncture, but when she does, it’s good to know there’s a plan that covers that.

I also love how very flexible the plan is – you really can build your own policy as you need and want. That’s a giant bonus for me because I know that we all have odd needs, and so do our kitties.

>> Click Here To Get Your Free Quote From Trupanion <<

Other Insurance Companies We Didn’t Review

There are dozens of companies out there that look pretty much the same. I didn’t take the time and space to review them in this article, as I was only moderately impressed with them. They’re decent, even good, companies, but they just didn’t strike me as the best.

If you want more options than I gave, you can, of course, check out the runners-up. They’re highly recommended by a lot of folks, but they didn’t quite make the cut for us on what we’d consider the absolute best.

  • Embrace Insurance
  • Hartville Pet Insurance
  • Pets Best
  • Petplan Insurance

One of the big ones that I skipped on my list was the popular Nationwide Pet Insurance. If you look at a number of review sites, you’ll find it’s listed as one of their top ten, often top-five. However, I found that one of my biggest concerns wasn’t met: Customers rated it poorly.

I don’t base my decisions on customer reviews in general, but I do heavily account for the thoughts of real cat people.

Generally speaking, if they don’t like something for their cats, it means their cats aren’t happy. And since this is such a vital topic – your pet’s health – I couldn’t justify suggesting a company that cats and their pets aren’t happy with.

Your Cat’s Health, Covered

Your cat’s health is one of the most important things in the world. And because of that, I highly recommend you not only have health care insurance for your cat but using one of the best ones available to make sure her health needs are all covered.

I’ve dug through the coverage, details, reviews, and options on all of the companies mentioned above, and truly, honestly believe that one of the four I reviewed for you will meet your needs.

Whether kitty’s prone to accidents, illness, hereditary diseases, or just plain dumb luck, insurance companies like Healthy Paws and Figo want to help make sure she’s cared for.

Feline Insurance FAQs

What does pet insurance do?

It helps you pay vet bills, prescription costs, surgery fees, and more, both in regular daily care and emergency situations.

Does every cat need health insurance?

Most cats would benefit from some kind of coverage. Rare exceptions include non-curably afflicted kitties – i.e. those with pre-existing conditions that won’t be covered by any health care plan.

What’s the most important thing to look for in animal insurance for cats?

There are three primary things to make sure your insurance covers for the average, healthy cat:

  • Prescription costs
  • Emergency care
  • Comprehensive coverage of most illnesses and conditions – non-pre-existing

How much is cat insurance?

On average, insurance policies for cats will range between $11 and $50 per month. Older cats will have higher premiums ranging up to $150 per month, depending on breed and previous medical issues.

Do any companies offer kitten insurance?

There are several companies that do offer kitten insurance. Most require the kitten to be eight weeks of age or older to start a new policy, however.

I found a cheap cat insurance policy. Is it worth getting?

Most likely, a cheap pet insurance policy means cheap coverage that won’t meet your furry friend’s needs. Some very respected companies, like Figo, start low and stay low through a cat’s lifetime. Anything less than $10 a month probably isn’t worth bothering with, however, unless you’ve got a major discount on a well-trusted company’s policy.

Is pet life insurance a part of standard pet insurance?

Life insurance is a different kind of insurance than cat health care insurance.

Is pet dental insurance included?

Some plans will include pet dental insurance. Be sure to look carefully at the details, or ask questions, to discover which plans cover this option.

What does all this terminology mean?

For a great key to insurance terms, check out the canine journal’s list.

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Emily Parker

Emily Parker is the Content Manager at Catological. She's passionate about helping cat parents love their cats better by providing the best information and recommendations about everything you'll need to know about your cat, from kitten to senior years. She believes natural, biologically-appropriate products are best...why wouldn't you provide the best for a member of your family?!

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