Comparing Cat Insurance
Find & Compare the Top Pet Insurance Companies
The best cat insurance plan is custom to your pet
By purchasing cat insurance, you promise the best healthcare for your cat.
Things to consider when searching for a health insurance plan for your cat:
What is the cost of cat insurance?
Deductibles and monthly premium offers will be determined by factors like your cat’s breed and age. Cat insurance is generally cheaper than dog insurance.
What do you want your plan to cover?
Comprehensive plan options include routine care throughout your cat’s life, or emergency-based plans cover accidents and illness. It’s also important to look into pet insurance providers’ health care networks to ensure you can take your cat to your veterinarian of choice.
What are other cat owners saying about the provider?
Pet Insurance Review is a dedicated platform for pet owners to share their real-life experiences with pet insurance companies. We believe in understanding insurance offerings and affiliated costs.
Here are the top pet insurance companies based on reviews from pet parents just like you!
US Providers
- US Providers
- US Discount and Pet Health Protection Providers
- Canadian Providers
- Provider
- Rating
- Review Count
- Deductible
- Age limit
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Cost per month
Policies start at $10/Month
Coverage
Accident and Illness coverage, with optional wellness package at reimbursement levels of 70%,80%, or 90% after the deductible.
Deductible
$100, $250 or $500 annually.
Age Limit
Pets must be at least 8 weeks old to enroll. Lemonade does not terminate coveragefor pets as they age.
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Cost per month
Your monthly rate is determined by multiple factors, including your pet’s species, gender, breed, age, and zip code, and the deductible amount you choose.
Coverage
The Trupanion policy pays 90% of the bill for all eligible expenses once your deductible is met. Coverage includes: new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. If you want extra coverage for your pet, Trupanion has three additional riders you can add on for an extra fee.*Coverage varies by state. Please review your states policy for full coverage details.
Deductible
Customize your deductible to fit your budget, from $0 to $1,000, in increments of $5. Plus, Trupanion policy deductibles are per-condition and good for the life of your pet. That means no annual resets—once a deductible is met, you never have to pay the deductible for that condition again.
Age Limit
All new pets can enroll from birth until their 14th birthday, once your pet is enrolled, they are enrolled for their life
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Cost per month
$15 – $90, depending on breed, zip code, age of pet and choice of deductible and co-pay.
Coverage
One plan covers accidents, illnesses, cancer, emergency care, genetic conditions, alternative care and more.You can choose a co-pay of 10%, 20%, 30% or 40%.The pay-out amount is based on your actual vet bill.
Deductible
You can choose an annual deductible of $100, $250, $500 or $750**Choice depends on age of the pet
Age Limit
Pets must be at least 8 weeks old and under 14 years old at time of enrollment.Once enrolled, pets can stay insured regardless of age.
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Cost per month
Monthly rates start at $10 for Accident only and $16 for Accident & Illness coverage.Those rates vary based on species, age, breed as well as your location.
(Video) Best Cat Insurance in USA [Reviews] | Top 4 Pet Insurance for CATS, kitten insuranceCoverage
We cover based on the actual vet bill and have options for 90%, 80%or 70% reimbursement.
Deductible
Choose a deductible that works best for you and your family, we offer $100, $250 and $500 options.
Age Limit
We have no age limits, but your pet will need to be at least 8 weeks old to enroll.
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Cost per month
Plans average $35/month for dogs and $25 /month for cats
Coverage
You choose a reimbursement level of 70%, 80% or 90% after your deductible.
Deductible
$250, $300 and $500
Age Limit
Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old.Some providers limit coverage for older pets to accident-only.Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.
- Spot
9.5
142
$100, $250, $500, $750 or $1000 annually
At least 8 weeks old to enroll
Cost per month
Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location.
Coverage
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%
Deductible
$100, $250, $500, $750 or $1000 annually.
Age Limit
No upper age limits. Pets must be at least 8 weeks old to enroll.
- Embrace
9.3
10224
$100 – $1,000 annually
At least 6 weeks old to enroll
Request a quote
Cost per month
$13 – $100, depending on your chosen plan.
Coverage
You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan.The pay-out amount is based on your actual vet bill.
Deductible
Annual deductible options from $100 – $1,000.
Age Limit
Pet must be at least 6 weeks old to enroll.New pets over 14 are eligible for accident-only coverage.Once enrolled, pets can stay insured regardless of age.
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Cost per month
Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.
Coverage
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%
Deductible
$100, $250 or $500 annually.
Age Limit
No upper age limits. Pets must be at least 8 weeks old to enroll.
(Video) Best Pet Insurance for Cats (Our Top 6 Recommendations) -
Cost per month
$5 – $90 depending on coverage options chosen.
Coverage
You have a co-pay of 20% after your annual deductible.The pay-out amount is based on your actual vet bill.
Deductible
Choose from $100 – $1,000 annual deductible.
Age Limit
Pets must be at least 8 weeks old to enroll with no upper age limitCoverage options available for senior pets.
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Cost per month
Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.
Coverage
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%
Deductible
$100, $250 or $500 annually.
Age Limit
No upper age limits. Pets must be at least 8 weeks old to enroll.
- Pumpkin
9
47
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At least 8 weeks old to enroll
Cost per month
Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.
Coverage
Every pet is covered by a 90% reimbursement rate to make it easier to say “yes” to the best possible care.
Deductible
3 options: $100, $250, and $500
Age Limit
No upper age limits. Pets must be at least 8 weeks old to enroll.
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Cost per month
$6 and up, depending on your chosen plan.
Coverage
Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible.Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states).Two optional Wellness plans to cover routine care.24/7 Pet Helpline, powered by whiskerDocs is included on all policies.The pay-out amount is based on your actual vet bill.
Deductible
$50– $1,000 annually.
Age Limit
Pet must be at least 7 weeks old to enroll.Pets Best does not restrict coverage or availability for older pets.
- AKC
8.8
879
$100 – $1,000 annually
At least 8 weeks old to enroll
(Video) Top Pet Insurance Companies 2022 | Vet RecommendationsCost per month
$5 – $90 depending on coverage options chosen.
Coverage
You have a co-pay of 20% after your annual deductible.The pay-out amount is based on your actual vet bill.
Deductible
Choose from $100 – $1,000 annual deductible.
Age Limit
Pets must be at least 8 weeks old to enroll with no upper age limit. Coverage options available for senior pets.
- Figo
8.7
582
$100, $250, $500, $750, $1,000 or $1,500 annually
At least 8 weeks old to enroll
Cost per month
$9 to $135 on average depending on chosen plan.
Coverage
You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible.The pay-out amount is based on your actual vet bill.
Deductible
$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.
Age Limit
Must be 8 weeks or older to enroll. No upper age limits apply.
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Cost per month
Plans can start at just $29
Coverage
Customizable reimbursement rates from 70% to 100% of vet costs.
Deductible
Customizable deductibles from $50-$500
Age Limit
No upper age limits. Pets must be at least 8 weeks old to enroll.
- Provider
- Rating
- Review Count
- Deductible
- Age limit
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Cost per month
$9.95 to $21.95 per month depending on whether you have cats or dogs and how many.
Coverage
Pet Assureisa savings plan that offers a 25% discount on all veterinarian treatment from participating practicesfor in house medical servicesand can be used alongside Pet Health Insurance.
Deductible
No Deductible
Age Limit
No age Limits
- Provider
- Rating
- Review Count
- Deductible
- Age limit
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Cost per month
As low as $15.50 per month for cats and $17.28 per month for dogs.
Coverage
Comprehensive accident & illness coverage with up to 80% reimbursement. Use any licensed vet in Canada or the U.S.All plans include coverage for exam fees & taxes, 24/7 telehealth powered by Vetsdirect Limited, and over $3000 in additional pet owner support benefits annually.
Deductible
$100 – $1,150 annually, options vary by pet age.
Age Limit
Pets must be at least 7 weeks and under 14 years old to enroll. Once enrolled, coverage will continue for as long as the pet remains enrolled.
(Video) The Ultimate Pet Insurance Guide | How to Find The Best Insurance For Cats and Dogs -
Cost per month
Plans average $35/month for dogs and $25 /month for cats
Coverage
You choose a reimbursement level of 70%, 80% or 90% after your deductible.
Deductible
$250, $300 and $500
Age Limit
Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old.Some providers limit coverage for older pets to accident-only.Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.
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Cost per month
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and zip code.
Coverage
One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice.To view a full list of inclusions and exclusions, check out our sample policy here.
Deductible
Offers a flexible deductible from $0 – $1000, in $5 increments, to fit any budget.Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for a condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.
Age Limit
All pets under 14 years old can enroll.Once enrolled, pets stay insured regardless of age.
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Cost per month
As low as $10.19 per month for cats and $15.20 per month for Dogs
Coverage
PHI Direct will cover:Alternative TherapiesAnesthesia & SurgeryApplicable TaxesBehavioural TherapyDental Tooth FractureDiagnosticsEmergency CareEuthanasiaExam FeesHospitalizationImaging – CT Scans, MRI and X-RaysMedical DevicesMedical ProceduresPrescription MedicationsReferral and Specialist FeesParasites
Deductible
$200 Annual Deductible
Age Limit
7 WeeksMust be enrolled prior to the pets 14th Birthday, coverage will continue for as long as the pet remains enrolled
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Cost per month
$19 – $89, depending on your chosen plan.
Coverage
You have a co-pay of 10%, 20% or 30%.The pay-out amount is based on your actual vet bill and includes coverage of exam fees and taxes.
Deductible
$100 – $700 age-based annual deductible.
(Video) Best Pet Insurance in USA [Detail Reviews] 2022 | Top 10 US Pet Insurance Companies, Cost & CoversAge Limit
Pet must be at least 7 weeks old to enroll.
FAQs
Which pet insurance has the best reviews? ›
- Lemonade – Best Price For Kittens And Puppies.
- Spot – Best For Annual Coverage Choices.
- ASPCA – Great For No Waiting Period For Special Conditions.
- Nationwide – Best For Unlimited Wellness Coverage.
- Prudent Pet – Great For Extras.
- TrustedPals – Great For Service Dogs.
Petplan has a rating of 'Excellent' on Trustpilot with a score of 4.7 out of 5.0 stars from over 10,000 reviews. 85% of customers rated it as 'Excellent' citing a friendly and professional service and no problems when it comes to paying out claims.
Is it worth shopping around for pet insurance? ›In the end, you'll likely pay thousands of dollars for insurance if you maintain the policy over the life of your pet. Keep in mind that these are sample numbers for one pet insurance company in one ZIP code. Your own price will vary, so it's worth shopping around.
Is it worth insuring an indoor cat? ›Cat insurance can help protect you against this financial risk and ensure your loved one has access to gold-standard veterinary care, if and when they need it, by reimbursing you for covered vet costs paid out-of-pocket. Some clients wonder if cat insurance is worth it for indoor pets, and the answer is yes.
What is the most cost effective pet insurance? ›- Lemonade: Most affordable plans.
- Spot: Most customizable.
- Healthy Paws: Our pick for unlimited coverage.
- Embrace: Our pick for savings.
- ASPCA: Most experienced.
- Fetch by The Dodo: Our pick for therapy coverage.
Does pet insurance cover vaccinations? Vaccinations are not covered by pet insurance. Neither is spaying or neutering. But, having all your animal's vaccinations up to date could mean lower insurance premiums.
Is petplan overpriced? ›Of the ones there are, many talk about how expensive PetPlan becomes as their pets get older. Once your pet reaches a certain age, you'll need to pay the excess, plus 20% of the claim. This means some customers start to find their policies become too expensive to be worth it.
Do petplan pay out? ›Petplan has been around for more than 40 years and currently insures 1.3 million pets. That's more than any other provider. Our years of experience mean we cover a wide range of injuries and illnesses – and we pay out on 97% of claims we receive. We also want to help owners get their pets the best care.
Does petplan go up every year? ›The main reason why your premium will increase each year is due to advances in a range of diagnostic, medical and surgical procedures, which means that veterinary fees will inevitably rise. These improvements will go a long way to making sure your cat, dog or rabbit remains healthy for longer.
What should I look for when buying pet insurance? ›These can include (but are not limited to): the type of policy; age of your pet; your pet's health; claims or treatment history; where you live; purchase price; the breed of your pet; and if it is male or female. Claims costs and the amount vets charge for treatment can also impact premiums.
Does claiming on pet insurance increase premium? ›
Will my pet insurance costs go up if I make a claim? More than likely, yes. Your insurance provider may take the view that if you've made one claim, you're more likely to make another – bumping up your premiums as a result. The same is true if you've had to claim for accidents or for losing your pet.
Should you get pet insurance before going to the vet? ›I recommend getting pet insurance BEFORE ever bringing the pet in for an exam. In my experience, owners with pet insurance are able to make decisions based on expected prognosis rather than cost when they know that some or all of the veterinary care is covered.
When should I get pet insurance for my indoor cat? ›The best time to buy cat insurance is when your pet is young, healthy and has had few, if any, medical problems in the past. The monthly cost of insuring your kitten will be much lower if you buy a plan early, although premiums will rise as your pet gets older. For older cats, pet insurance might not be worth it.
Why should I insure my cat? ›Why insure a cat or kitten? Cat insurance is there to protect your pet against injuries and illness that they may suffer from. Vet bills can be expensive, and depending upon the treatment your cat needs costs can run into thousands of pounds. A cat insurance policy can help to protect you against those costs.
At what age is pet insurance the Cheapest? ›Our analysis found that the best prices were after a pet's first birthday until around age six. As your pet gets older, pet insurance costs can increase when you renew the policy.
What is the annual deductible for pet insurance? ›Deductibles generally range from $50 to $1,000. The most common deductible chosen by pet owners is $250. When we think of a pet insurance deductible, we typically think of it as being an annual deductible because this is the most common.
Can I get pet insurance after diagnosis? ›Can you get pet insurance after a diagnosis? Yes, you can still get pet insurance to cover future injuries and/or illnesses, depending on your pet insurance coverage type.
Does my cat need to be vaccinated to be insured? ›While you probably won't be denied insurance for your pet, having them vaccinated could mean you are offered a higher insurance premium, or lower cover, or both. Vaccination appointments are also a great time for your vet to give your animal a top-to-tail health check and get a full update on how they're doing.
How much do cat vaccinations cost? ›That said, for your kitten's first year of shots, you can expect to pay a low average of $115, a middle average of $160, and a high average of $210. Keep in mind, you'll pay $30–$50 for a general exam when your kitten goes in for the first round of vaccines (but this may be higher in some areas).
How often do indoor cats need to go to the vet? ›It's very important for indoor cats to see the vet at least once a year, ideally every six months. This will ensure that they get the vaccinations they need, and enable you to detect and act on any health issues that may be developing before it's too late.
Why is my cat insurance so expensive? ›
As any animal ages it becomes more likely to suffer an illness and so this is a primary driver of price increases year on year. Most, but not all, insurers work on a model where the price increases as time passes giving them scope to react to vet price increases and manage their overall risk, too.
Can you negotiate pet insurance? ›Negotiating Premiums
While many people will simply "buy" the plan at this quote, you will want to negotiate with the company for the best premium you can achieve. If you have a healthy pet who has already undergone necessary medical treatments, like a spay or neuter process, you can use this to reduce your premiums.
The sex of your pet can also influence the cost of insurance cover, for example male cats are often more expensive to insure than females as they are more prone to suffering from blocked bladders.
Does Petplan cover death? ›The team will be able to help you complete any open claims or submit claims for any treatment your pet was undergoing. You may also be eligible to receive a death benefit within your policy. If this is the case, the benefit will automatically be transferred to you upon notification of your pet's passing.
Does Petplan cover MRI scans? ›We cover the cost of MRI scans, CT scans and ultrasounds so your vet can diagnose problems quickly.
Will Petplan pay vet directly? ›Can Petplan pay my vet directly? How does this work? Yes we can pay your vet directly if they are happy to receive payment in this way. In most cases, your vet can submit an eclaim which is the fastest way to get the information to us.
Do lifetime pet insurance premiums go up with age? ›You pay premiums every year during your pet's life, and the insurer will have to keep covering you – regardless of age or any existing conditions (subject to conditions). As your pet gets older, your premiums are likely to increase.
Why would pet insurance premium increase? ›Why do pet insurance premiums increase each year? The older your pet becomes, the more likely he or she is to encounter health issues, some of which may be age-related (or exacerbated by age), resulting in higher veterinary costs that, in turn, may increase your likelihood of filing a pet insurance claim.
Does Petplan renew automatically? ›If you pay your premium by Direct Debit your policy will renew automatically and we will notify you of your renewal premium each year before your renewal date. If you pay your premium by Direct Debit your policy will renew automatically and we will notify you of your renewal premium each year before your renewal date.
Who is the best pet insurance provider UK? ›- Petplan is the UK's No.1 pet insurer.
- Petplan insure over 1.3 million pets.
- Award winning pet insurance.
- Petplan covers things others don't.
- 98% of Covered for Life® claims paid.
- You won't pay more for claiming.
- Petplan have over 40 years experience helping to keep pets healthy.
Is petplan expensive? ›
PetPlan aren't cheap. In fact, they're among the most expensive pet insurers. How much you'll pay depends on; Your pets breeds.
How is petplan? ›Petplan's offerings and services are limited. It doesn't pay your vet directly for claims, and it also has a longer waiting period for accidents compared to other pet insurance companies. Petplan also doesn't offer lots of extras, like wellness coverage or a helpline.
What should I look for in dog insurance? ›These can include (but are not limited to): the type of policy; age of your pet; your pet's health; claims or treatment history; where you live; purchase price; the breed of your pet; and if it is male or female. Claims costs and the amount vets charge for treatment can also impact premiums.
What is a good annual limit for pet insurance UK? ›As a general rule, cover less than £5000 is likely to leave you with problems if your dog gets in a serious accident, and £7000 is the minimum most vets would consider to be fairly comprehensive.
How much is cat insurance per month UK? ›The average cost of cat insurance is around £24.43 per month*. When it comes to pet insurance for cats, age and health are what really affect the cost of your policy, as well as your cat's medical and behavioural history.
What do you get with petplan? ›- Vet fees. ...
- Complementary treatment. ...
- Dental. ...
- Third Party liability insurance. ...
- The cost of finding a lost pet. ...
- Purchase price. ...
- Hospital visits.
As any animal ages it becomes more likely to suffer an illness and so this is a primary driver of price increases year on year. Most, but not all, insurers work on a model where the price increases as time passes giving them scope to react to vet price increases and manage their overall risk, too.
When should I insure my cat? ›Whether you have a young puppy or kitten, or you've chosen to rehome an older pet, the first few weeks of getting to know each other are a lot of fun. But pets are unpredictable, and an illness or injury can happen at any time. That's why it's best to insure your pet as soon as you can.
Can you negotiate pet insurance? ›Negotiating Premiums
While many people will simply "buy" the plan at this quote, you will want to negotiate with the company for the best premium you can achieve. If you have a healthy pet who has already undergone necessary medical treatments, like a spay or neuter process, you can use this to reduce your premiums.
premium you have paid for cover after that renewal date. If you cancel at any other time, we will refund any amount you have paid for cover after the cancellation date. You can find our contact details on the back of this booklet.
Does Petplan cover diagnostic tests? ›
Petplan's Covered For Life® insurance is designed to give pets like Murphy the best possible care. We offer a breadth of cover that allows you to go ahead with the diagnostic tests and treatment that your vet recommends.
How long do Petplan take to pay out? ›We pay 90% of claims within 5 working days once we receive the claim form. Our experienced team are ready and waiting to help, and will be in touch if we need any more information about your claim.
Should you get pet insurance before going to the vet? ›I recommend getting pet insurance BEFORE ever bringing the pet in for an exam. In my experience, owners with pet insurance are able to make decisions based on expected prognosis rather than cost when they know that some or all of the veterinary care is covered.
Does claiming on pet insurance increase premium? ›Will my pet insurance costs go up if I make a claim? More than likely, yes. Your insurance provider may take the view that if you've made one claim, you're more likely to make another – bumping up your premiums as a result. The same is true if you've had to claim for accidents or for losing your pet.