Compare cat insurance
With policies as low as $20/month, pet insurance could pay for itself in the first vet visit
Is cat insurance worth it?
Cat insurance helps you pay for costly vet visits without footing the entire bill yourself. Even the most fiercely independent cats get injured or sick, and the vet bills that follow can add up despite your cat’s small size.
While many cat owners don’t opt for pet insurance, you could find yourself in a financial bind or choosing to have to make a tough choice if your beloved cat faces serious injuries or diseases.
How much is cat insurance?
You can expect to pay around $23 a month for cat insurance. However, a number of factors influence your premium, including your cat’s age, breed and overall health at the time you apply.
Since providers offer different benefits, plans and payouts, compare deals to find the best policy for your budget.
How does pet insurance for cats work?
Using your coverage for a cat works similar to other types of insurance with a deductible and coinsurance involved. Expect to pay:
- Pay premiums regularly. The cost of your cat’s health insurance plan, paid monthly or annually.
- Pay your deductible before making claims. The amount you pay upfront before your policy kicks in for vet bills. You choose the amount, such as $100 or $250.
- Pay for bills upfront and get reimbursement. Most insurers pay a percentage of your bills after you meet your deductible, often up to 90%. But some companies offer policies that limit the amount paid per condition, leaving you to pay the costs that exceed your limits.
- Watch your annual limit. Some insurers set an annual or lifetime limit on the amount they will pay for medical bills. Others don’t have a limit at all.
What does cat insurance cover?
Cat insurers offer a few different types of coverage to help you pay for emergency and routine vet visits, including:
Your frisky feline can get protection for accidents and illness like:
- Common illnesses, like vomiting and diarrhea
- Major and chronic illnesses
- Hereditary conditions
- Diagnostic treatment
- X-rays, blood tests or ultrasounds
- Hospitalization and surgery
- Emergency care
- Veterinary specialists
- Prescription medicine
- Holistic and alternative treatments, based on your insurer
- Expert advice line
Several insurers offer wellness plans as a separate product or bundled with your cat’s medical coverage. With this plan, your cat can receive:
- Physical exams
- Routine blood, heartworm or fecal tests
- Flea and heartworm preventatives
- Nail trims
- Behavioral treatment
Consider this type of coverage if you own a valuable breed or don’t have pet liability coverage under another policy like home insurance. Optional ownership coverage may include:
- Liability for the injuries or property damage of other people
- Advertising for lost or stolen cats
- Boarding if the owner needs hospital care
- Vacation cancellation reimbursement if your cat needs urgent treatment
- Burial expenses
What’s not covered by cat insurance?
Just as with other insurance policies, cat insurance comes with a few exclusions:
- Pre-existing medical conditions
- Exam fee, depending on the insurer
- Breeding or pregnancy
- Grooming, unless otherwise specified
- Sales tax
- Credit card fees
- Waste disposal fees
How do I compare cat insurance?
Know what to look for when shopping for cat insurance. Factors you should consider:
- Quick claims reimbursement. Find out how much time a company takes to reimburse you since you pay the vet bill up front.
- No policy caps. Policies that don’t limit the amount paid out can lend you extra help for expensive treatments.
- Low deductibles. Vet bills for cats may not cost as much as large animals, so keeping your deductible low could save you more money.
- Health or payment discounts. Cat insurers don’t always offer discounts. You might look closely at the ones that do, especially if you own a healthy cat or can pay your premium in full.
- Specific illnesses covered. Know your policy’s specific set of exclusions — each one has its own differences.
- Contact for questions. Because cat insurers differ on how they handle certain conditions and claims, don’t hesitate to ask questions before purchasing coverage.
- Customer ratings. Reputable review sites like the Better Business Bureau and Trustpilot can give you an insider look at an insurer’s customer service.
What common traps should I avoid?
Although cat insurers set fairly straightforward rules, watch out for these conditions that affect your coverage:
- Age limits. Most insurers set age limits for insuring cats. You may need to enroll your cat before a certain age to get full coverage on older cats, such as 14 years old. Most insurers cover senior cats, but only for accident coverage, excluding wellness coverage for older cats.
- Waiting periods. Your policy includes a waiting period for using coverage, often 14 to 30 days for accidents and illness.
- Lifetime condition exclusions. You might find exclusions for certain conditions like hearing loss or joint conditions, so check the specific illnesses covered for a complete understanding of your policy.