Comparing Puppy & Cat Insurance Plans: Find & Compare the Top Pet Insurance Companies
Cat Insurance: Compare Pet Insurance Providers, Policies & More
Writer Mary Anne Radmacher says, “Unexpected events can set you back or set you up--it’s all a matter of perspective.”
At Pet Insurance Review, we want to make sure you don’t get set back when your cat unexpectedly gets sick or injured. Cat insurance provides invaluable peace of mind that your pet is protected should the unexpected happen, regardless of your financial situation.
How does cat insurance work?
Simply put, pet insurance helps you cover the cost of vet bills, so you can rest assured that your cat will receive the best possible care regardless of what your bank account looks like when the unexpected happens.
Similarly to car insurance, the cost of your cat insurance will vary depending on what’s included in your policy as well as other factors like the age/breed of your cat and where you live.
When you choose a policy, you will pay a premium, which is usually monthly, to carry the insurance. Your chosen policy will define what is covered, such as accidents only or more expanded coverage of wellness visits, etc., as well as how much of the cost will be covered by your insurance policy.
When your pet needs care that is covered by your policy, you will pay a deductible, which is stated in your policy. After your deductible, your insurance company will typically work with the veterinarian to pay their portion of the cost of care. A representative from your chosen health insurance company can talk you through the specifics of how the claim process works for that company.
For example, if your policy offers 90% coverage for new illnesses with a $100 deductible, you will pay $100 at checkout and then 10% of the remaining balance. If your pet gets sick again in that year (or the period of your deductible), you will only pay 10% of the bill, since your deductible has already been met.
Who is cat insurance for?
Everyone! The cost of veterinary care can add up very quickly, especially as your cat ages or if he/she has a chronic illness. Even if you believe you have plenty of money saved up for emergencies, the cost of treatment and follow-up care will bring a quick financial burden on you and your family. Cat insurance will lessen the blow of an unexpected accident or a long-term medical condition so that your money is still safe for you to enjoy your pet and your life.
By considering cat health insurance as an investment and protection in case of emergency, it becomes less of a question of if you should consider pet insurance and more of a question of which cat insurance policy is best for you and your cat.
What should I keep in mind when searching for a cat insurance policy?
Many factors go into your choice of which cat insurance policy works best for you and your pet.
1. Cost of Cat Insurance
One of the biggest things to consider is cost. You will want to determine what you can afford to pay in a monthly premium as well as how well you might be able to manage the deductible should your pet get sick. Often, plans with a low monthly premium have a higher deductible and vice versa. If you don’t have much flexibility in your budget for a larger deductible, for example, it may be best to choose a plan that costs a little more each month in order to have a lower deductible.
2. Age of Your Cat
Age of your pet is also important to consider. Many plans require that a kitten reach a certain age (often between six and eight weeks) before offering coverage. Additionally, some plans do not cover senior cats. Plans that do cover senior cats may have varied levels of coverage as your pet ages.
3. How Much You Want Your Cat Insurance Policy to Cover
Finally, you’ll want to consider how much you want your pet insurance policy to cover. Besides accident and illness coverage, many providers now offer wellness plans that cover the cost of routine veterinary care, and advanced treatment for conditions such as cancer. Additionally, you’ll need to think about things such as cat dental care being included in your plan. Of course, plans that cover more often also cost more, so you will have to decide how much you will want to pay up front versus at the time your pet becomes sick or injured.
With a growing range of cat health insurance policies and alternative methods of funding pet health care, we're confident that you'll find the best pet insurance options that work for your cat and your finances.
How do I use the cat insurance comparison charts below?
The cost of your cat insurance will vary depending on what’s included in your policy. Your level of coverage, co-payment amount, deductible options, and even the age and breed of your cat and where you live, can all affect your monthly insurance premiums, which is why it’s important to compare a range of insurers to find a policy which best suits your individual needs and budget.
The charts below highlight plans from the United States, Canada, or both. You’ll find basic information for a variety of companies, including monthly cost, coverage, deductible, and age limit (if any). You’ll also find a rating and number of reviews, which you can click on to read hundreds, even thousands, of reviews from actual pet owners who have worked with that company.
We’ve provided a variety of information to help you compare and research plans to find the best fit for you. When you’re ready to move forward with a company, click “Get a quote” to get started!
US Insurers
US Insurers | Cost per month | Coverage | Deductible | Age Limit | Rating* | Review Volume | |
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Policies start at $10/Month |
Accident and Illness coverage, with optional wellness package at reimbursement levels of 70%, |
$100, $250 or $500 annually. |
Pets must be at least 8 weeks old to enroll. Lemonade does not terminate coverage |
Reviews
570
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Get a quote | |
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Your monthly rate is determined by multiple factors, including your pet’s species, breed, age at the time of enrollment, and gender. Other factors include what deductible amount, if any, you choose and the average cost of veterinary care in your area.
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The Trupanion policy pays 90% of the bill for all covered expenses once your deductible is met. Plus, we cover:
We also offer a Recovery and Complementary Care rider to expand your policy to include additional treatments like:
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Customize your deductible to fit your budget, from $0 to $1,000. You can choose to lower your deductible within the first 30 days of enrollment, or increase it at any time. Plus, Trupanion policy deductibles are per-condition and good for the life of your pet. That means no annual resets—once a deductible is paid, it stays paid. Forever. [quote size="medium" /]
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All cats and dogs under the age of 14 can enroll. Birthdays are for celebrating; so unlike other providers, we don’t factor getting older into your pet’s rate. If you enroll your cat or dog at 6 weeks, they’ll always be 6 weeks—and priced like a 6 week old—in our eyes.
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Reviews
47024
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Get a quote | |
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$15 - $90, depending on breed, zip code, age of pet and choice of deductible and co-pay. |
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. |
You can choose an annual deductible of $100, $250, $500 or $750* *Choice depends on age of the pet |
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. |
Reviews
6959
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Get a quote | |
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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. |
We cover based on the actual vet bill and have options for 90%, 80% or 70% reimbursement. |
Choose a deductible that works best for you and your family, we offer $100, $250 and $500 options. |
We have no age limits, but your pet will need to be at least 8 weeks old to enroll. |
Reviews
124
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Get a quote | |
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Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location. |
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70% |
$100, $250, $500, $750 or $1000 annually. |
No upper age limits. Pets must be at least 8 weeks old to enroll. |
Reviews
131
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Get a quote | |
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Policies start at approximately $12 per month. |
Nationwide offers a variety of plans offering varying levels of coverage. The company’s most popular plan, Whole Pet with Wellness, offers 90% reimbursement for accident, injury, illness and wellness care, inclusive of exam fees. All Nationwide members have complimentary 24/7 access to vethelpline. |
Annual deductibles range from $0 to $1,000. Most popular annual deductible for Whole Pet with Wellness is $250. |
No age restriction to enroll in company’s most popular plan, Whole Pet with Wellness. Other plans may have age restrictions. |
Reviews
21345
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View Details | |
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$13 - $100, depending on your chosen plan. |
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. |
Annual deductible options from $100 - $1,000. |
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. |
Reviews
10220
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Get a quote | |
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Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location. |
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70% |
$100, $250 or $500 annually. |
No upper age limits. Pets must be at least 8 weeks old to enroll. |
Reviews
152
|
Get a quote | |
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$5 - $90 depending on coverage options chosen. |
You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill. |
Choose from $100 - $1,000 annual deductible. |
Pets must be at least 8 weeks old to enroll with no upper age limit Coverage options available for senior pets. |
Reviews
98
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Get a quote | |
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$12 - $80, depending on your chosen plan. |
Select either the Accidents Only Coverage or Total Coverage plan. Both plans have annual limit options of $2,500, $3,000, $4000, $5,000, $7,000, $10,000, $15,000, $20,000 and unlimited. You can also select a Reimbursement percentage of 70%, 80% or 90% and an Annual Deductible of either $100, $250 or $500. The Total Coverage plan covers accidents and illnesses, hereditary and congenital conditions. Behavioral Treatments, as well as Alternative Therapies are covered. The Accident Only Plan does have allowances for Alternative therapies. Both plans offer a Wellness plan as an extra option. |
$100, $250 or $500 annually. |
Pets must be at least 8 weeks old to enroll. There is no upper age limit. |
Reviews
85
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View Details | |
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Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location. |
Every pet is covered by a 90% reimbursement rate to make it easier to say “yes” to the best possible care. |
3 options: $100, $250, and $500 |
No upper age limits. Pets must be at least 8 weeks old to enroll. |
Reviews
45
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Get a quote | |
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Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location. |
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70% |
$100, $250 or $500 annually. |
No upper age limits. Pets must be at least 8 weeks old to enroll. |
Reviews
5574
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Get a quote | |
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$6 and up, depending on your chosen plan. |
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. |
$50 - $1,000 annually. |
Pet must be at least 7 weeks old to enroll. Pets Best does not restrict coverage or availability for older pets. |
Reviews
6985
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View Details | |
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$5 - $90 depending on coverage options chosen. |
You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill. |
Choose from $100 - $1,000 annual deductible. |
Pets must be at least 8 weeks old to enroll with no upper age limit. Coverage options available for senior pets. |
Reviews
879
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Get a quote | |
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$9 to $135 on average depending on chosen plan. |
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. |
$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location. |
Must be 8 weeks or older to enroll. No upper age limits apply. |
Reviews
582
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Get a quote | |
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$17-$65 max, depending on the monthly expenses in the community. |
Comprehensive: accident, illness, and wellness. ~80% reiumbursement, based on the average national pricing for a procedure. A regional variance in veterinary costs is taken into account. |
$250 out-of-pocket |
No age limits |
Reviews
18
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Get a quote | |
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$16 - $100, depending on your chosen plan. |
You have a co-pay of 10% - 30% after your deductible. The pay-out amount is based on your actual vet bill. |
$50 - $500 per incident. |
Pet must be at least 8 weeks old to enroll. No upper age limits apply. |
Reviews
1412
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Get a quote | |
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$11 – over $100, depending on your chosen plan and other variables including but not limited to species, location, breed and age.
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You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill.
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$100 - $1,000 annually.
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Pet must be at least 8 weeks old to enroll. Dogs must be under 11 years to enroll and cats must be under 13 years old to enroll.
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Reviews
1129
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View Details |
US Discount and Pet Health Protection Providers
US Insurers | Cost per month | Coverage | Deductible | Age Limit | Rating* | Review Volume | |
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$9.95 to $21.95 per month depending on whether you have cats or dogs and how many. |
Pet Assure is a savings plan that offers a 25% discount on all veterinarian treatment from participating practices for in house medical services and can be used alongside Pet Health Insurance. |
No Deductible |
No age Limits |
Reviews
9
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View Details |