Compare Cat Insurance

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

US Insurers

Cost per month Coverage Deductible Age Limit Rating* Review Volume

Monthly cost varies due to multiple factors including: your pet's breed, age at enrollment and gender and the chosen deductible and the cost of veterinary care in your area.

Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim. Premium changes over time are due to changes in the average cost of care for pets similar to yours based on claims made and inflation.

 

90% of eligible expenses are covered with all Trupanion policies (after deductible).

All plans cover:

  • Hereditary conditions (i.e. hip dysplasia, diabetes, etc.)
  • Congenital conditions (i.e. heart disease, cataracts, liver disease, etc.)
  • Unidentified conditions (i.e. vomiting/diarrhea, cough, change in weight, etc.)

Additional riders offer coverage for:

  • Recovery and Complementary Care (acupuncture, chiropractic, physical therapy, etc.)
  • Pet Owner Assistance (boarding costs if you are hospitalized, advertising a lost pet, etc.)

Plans do not cover:

  • Exam fees
  • Wellness, elective and cosmetic care
  • Taxes
  • Pre-existing conditions

Offers a flexible deductible from $0 - $1000, to fit any budget and can be raised or lowered at any time.

A lifetime, per condition deductible means that once the deductible is met for a condition your policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. *Trupanion say:"This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer".

[quote size="medium" /]

 

The Trupanion policy allows you to enroll your pet from birth until their 14th birthday.

Once enrolled, pets stay insured regardless of age and coverage will not change.

 

9.5 Out of 10
Reviews
27564
Get a quote

$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. 

9.3 Out of 10
Reviews
10066
Get a quote

$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.

9.1 Out of 10
Reviews
6626
Get a quote

$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.

9.7 Out of 10
Reviews
6035
Get a quote

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.

9.1 Out of 10
Reviews
5540
Get a quote

Depends on your chosen plan.

You have a co-pay of 10%, 20% or 30% after your deductible.

The complete sick visit, including the exam fees, are covered. The pay-out amount is based on your actual vet bill.

Use your current veterinarian or any veterinarian in the US or Canada, including ER and specialty hospitals.

Comprehensive non-routine dental coverage for oral disease and injuries, including periodontal disease, extractions, and advanced treatments such as root canal therapy are covered as standard in the policy with no dental condition limits. 

 

Alternative, holistic and homeopathic therapies are covered as standard on every policy at no extra cost, including acupuncture, physical therapy and hydrotherapy.

 

Coverage is available for boarding kennel fees, advertising and reward costs for lost pets, vacation cancellation and death benefits for policies with a $15,000 or greater annual limit. 

 

Covered for Life® guarantee – Petplan will never terminate your policy based on your claims history or just because your pet is sick.

 

No Claims Credit: For each consecutive 12-month policy period that a pet has been insured by Petplan and has gone without a paid claim, a credit shall be awarded to the customer at renewal.

 

Behavioral treatments, including anxiety disorders such as travel and separation anxiety, noise phobia, and house soiling, are covered for policies with an annual limit of $15,000 or more.

Annual deductible from $250 to $1,000.

Per condition deductibles from $250 to $2,500 also available.

Pet must be at least 6 weeks old to enroll. 

No upper age limits for enrollments apply.

9.2 Out of 10
Reviews
5047
Get a quote

$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.

7.6 Out of 10
Reviews
1267
Get a quote

$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.

8.7 Out of 10
Reviews
738
Get a quote

$9 - $135, depending on your 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.

Pet must be at least 8 weeks old to enroll.

No upper age limits apply.

8.8 Out of 10
Reviews
575
Get a quote

$11 – over $100, depending on your chosen plan and other variables including but not limited to species, location, breed and age.

 

You have a co-pay of 20% after your annual deductible.

The pay-out amount is based on your actual vet bill.

 

$100 - $1,000 annually.

 

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.

 

5.8 Out of 10
Reviews
862
View Details

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.

9.4 Out of 10
Reviews
140
Get a quote

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.

9.7 Out of 10
Reviews
124
Get a quote

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, $500, $750 or $1000 annually.

No upper age limits. Pets must be at least 8 weeks old to enroll.

10.0 Out of 10
Reviews
93
Get a quote

$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.
 

9.2 Out of 10
Reviews
96
Get a quote

$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.

9.2 Out of 10
Reviews
81
View Details

$18.95 for dogs and puppies, $11.95 for cats.

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.

9.6 Out of 10
Reviews
13
Get a quote
 

us

US Discount and Pet Health Protection Providers

Cost per month Coverage Deductible Age Limit Rating* Review Volume

The One-time initial refundable deposit is $48 per pet. The monthly subscription fee is $10 per pet. Typical monthly costs will be $10-$58 max per month (Including the subscription fee of $10/month), depending on the number of claims submitted by our members to the community for reimbursement.

Eusoh brings people together in the only community-based cost-sharing solution to cover the cost of veterinary expenses. Members submit claims and reimbursement is at 80% of each expense claim.

$250 per pet per year.

No age restrictions.

8.5 Out of 10
Reviews
13
View Details

$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

9.9 Out of 10
Reviews
7
View Details

canada

Canadian Insurers

Cost per month Coverage Deductible Age Limit Rating* Review Volume

Monthly cost varies due to multiple factors including: your pet's breed, age at enrollment, and gender, the chosen deductible and the cost of veterinary care in your area.

Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim.

 

90% coverage for all new injuries and illnesses—once the deductible is met, Trupanion pays 90% of the remaining invoice.

Coverage for all hereditary and congenital conditions, as well as hip dysplasia without any additional waiting periods.

Alternative therapies, such as acupuncture, physical therapy, hydrotherapy, are available under the Recovery and

Complementary Care Rider.

Trupanion pays off the invoice, no “usual & customary” limits and has the ability to pay your veterinarian directly and in as little as 5 minutes. You simply pay your portion at check-out and Trupanion works with your veterinarian directly to take care of the rest.

 

Offers a flexible deductible from $0 - $1000, to fit any budget and can be raised or lowered at any time.

A lifetime, per condition deductible meaning that once the deductible is met for a condition is met you policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. *This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer.

 

Pet must be at least 8 weeks old and under 14 years old to enroll.

Once enrolled, pets stay insured regardless of age and coverage will not change.

 

9.3 Out of 10
Reviews
14096
Get a quote

$16 - $60, depending on your chosen plan.

You have a co-pay of 10%, 20% or 30% after your deductible. 

Non-routine exam fees, including at ER and Specialists, are covered.

The pay-out amount is based on your actual vet bill.

Use your current veterinarian or any veterinarian in the US or Canada.

Annual deductible from $100 to $2,500.

Per condition deductibles from $100 to $2,500 also available.

Pet must be at least 6 weeks old to enroll. 

No upper age limits apply.

9.1 Out of 10
Reviews
3859
Get a quote

$11 – over $100, depending on your chosen plan and other variables including but not limited to species, location, breed and age.

 

You have a co-pay of 20% after your annual deductible.

The pay-out amount is based on your actual vet bill.

 

$100 - $1,000 annually.

 

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.

 

5.8 Out of 10
Reviews
862

$19 - $89, depending on your chosen plan.

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.

$100 - $700 age-based annual deductible.

Pet must be at least 7 weeks old to enroll. 

8.2 Out of 10
Reviews
367
Get a quote

Premiums will vary depending on your plan choice, breed and location. 

 

Choose between 4 levels of cover for Accident, Illness and Dental treatment.

Secure 1 offers $1,000 per Accident cover, $1,000 Illness cover per condition, per year and $200 Dental cover.

Secure 2 offers $2,500 per Accident cover, $2,500 per condition, per year Illness cover and $300 Dental cover.

Secure 3 offers $5000 per Accident cover, $5,000 per condition per year cover and $400 Dental cover. 

Secure 4 offers unlimited cover for Accidents and Illness and $600 per year Dental cover, and Wellness cover.

Plans offer 80% coverage (20% co-insurance) after annual deductible satisfied.

 

Annual- Age Based Deductibles

Deductible A

$100 - $500

Deductible B

$200 - $700

 

*Secure 4 with Wellness Care

Deductible A

$250 -$500

Deductible B

$300 - $700

 

Pet must be at least 8 weeks old to enroll. 
No age limit

 

4.8 Out of 10
Reviews
185