The Different Pet Cat Insurance Plans You Should Know About

Cat sitting next to an easel with "Pet insurance?" written on it
© Red Bow Tie Photo/

Written by Kirstin Harrington

Published: September 20, 2022

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Owning a cat is one of life’s greatest pleasures. Out of all of the possible companions, there aren’t many that are as low-maintenance as our feline pals. Keeping your pet’s health in check should be one of your main priorities as a cat owner.  

There’s no doubting that visits to the veterinarian may add up rapidly. The average price of a visit to the clinic for a cat parent is just under $200. If your cat has an emergency, needs surgery, or requires specific medical care for a disease, you may expect to spend a lot of money.

Fortunately, there is cat insurance! You’ll discover all you need to learn about it below, including what cat insurance is, what it covers, how much it costs, and more! Before you know it, you’ll never have to think about whether or not you can afford a trip to the vet. 

Different Types of Cat Insurance 

Accident-only insurance, accident and illness coverage, and wellness coverage are the three primary coverage choices available from insurers. Since the benefits and limitations of each plan vary by business, we look at pet insurance pricing independently. 

Restrictions, such as age limits, are put in place by some enterprises. Some cat insurance providers have no restrictions in the same scenarios, which is why shopping around is so important.

Accident-Only Coverage

Accident-only insurance covers the costs of treating injuries due to accidents, despite whether the animal or the owner is at fault. Although claims for accidents caused by such behavior will have no effect on your base prices, the cost of accident insurance and comprehensive plans that incorporate the coverage could be affected. 

Accidents that can be linked directly to the pet owner, such as intentional injuries or those resulting from the employment of cats in betting fights or any type of contest will not be covered. 

Striped cat with case on front foot with plastic cone around head

Accident-only insurance will cover treatment if your cat is injured.


Accident and Illness Coverage

Although some carriers offer illness insurance on its own, it’s far more frequent to see it combined with an accident policy. Accident and illness insurance, often known as comprehensive coverage, is a type of insurance that covers a wide range of conditions. This covers less dangerous illnesses like gastrointestinal distress. 

This type of insurance can also protect you against the unforeseeable, such as cancer. This can include, hospital treatment, procedures, tests, and prescription medicine expenses, as well as any veterinarian assessment and examination fees. The majority of insurance plans will cover your cat’s genetic and congenital illnesses, which are breed-specific.

Something to consider when you have insurance – your veterinarian has to figure out what ailment or health problem your fuzzy friend has. Pet insurance companies seldom cover pre-existing diseases. Other policies should address certain medical conditions if they arise after a set length of time has elapsed. 

For example, you may need to have pet insurance for six months before some joint treatments are covered. It’s also worth mentioning that some medications, particularly those for behavioral problems like separation anxiety, will not be covered by the insurance. The majority of severe and significant disorders are part of this coverage.

Standalone Wellness Coverage

Wellness insurance, sometimes known as “preventative medicine,” is provided as a supplement or add-on to a larger coverage or, in certain cases, as a standalone policy. Most common veterinary treatments are often addressed. Other services, like grooming and training, are available on a case-by-case basis.

Comprehensive Plus Wellness Coverage

Some comprehensive insurance provides wellness benefits. Psychiatric therapy, reflexology, and pain medication are all examples of alternative therapies. Wellness coverage may include alternative therapies and hydrotherapy. Other choices for managing your kitten’s health condition are supplements and prescription food.

Veterinarian examining an orange cat

You may be able to insure your cat even if it has a pre-exisiting condition.


How Much Does Cat Insurance Cost? 

A monthly or annual charge for cat insurance is payable by the pet owner. The price varies depending on the cat’s lineage, gender, age, and location. Female cats are less costly than male cats, and the older your cat is, the more you’ll pay. Insurance will be more costly in major cities than in more rural locations like the suburbs. 

All of these factors have an influence on the monthly cost of insurance coverage. According to NAPHIA, monthly insurance fees for cats can range from $10 to $50. A plan that covers accident and sickness coverage will cost most pet owners $30 to $50 per month. Accident-only insurance is typically the most cost-effective option, with premiums ranging from $10 to $20.

The cheapest choice isn’t always the greatest, which is why you ought to think about your financial stability as well as the health of your pet. Accident-only may be a reasonable option for you and your cat if you’re ready to pay for yearly wellness expenditures in advance. 

The cost of cat insurance will rise over time. On the other hand, Feline insurance companies enable consumers to personalize their plans to meet their budgets. You may pick from a range of yearly criteria, premiums, copays, and extra add-ons. 

A to Z Animals advises that you get the most comprehensive coverage you can reasonably afford when you sign-up, with the premise that you could alter coverage as needed to keep costs within your budget if they surpass your assumptions.

Best Cat Insurance 

With so many options on the market, it can be intimidating to even know where to start. We hope the chore of finding the best insurance for your feline friend is a bit easier by the following reviews! 

Pets Best

Because of its relatively affordable costs, several alternatives for customer service, and comprehensive coverage, Pets Best is our top overall recommendation for pet insurance. Pets Best is regularly one of the most affordable cat insurance solutions. However, due to an increase in consumers and limited employees, claim processing has taken substantially longer lately, averaging 25-40 days.

Pets Best, on the other hand, is constantly recruiting and training new personnel to assist speed up claim processing. It has gotten more reasonable as more and more people start working again. Pets Best also covers periodontal illness, which is especially significant for cat owners because periodontal disease affects 80 percent of cats over the age of three. This is not part of many pet insurance plans.


You might have an interest in Embrace if you have many cats in your home. It gives you up to a 10% discount on each pet you cover. Embrace provides comprehensive coverage, a solid reputation, prompt claim processing, and a variety of plan customization possibilities. 

The disadvantage is that Embrace’s rates are frequently higher than those of the other leading pet insurance providers. It’s not a bad idea to acquire an estimate so you can check rates for your cat.

Embrace offers a few different discounts. For multiple pets, you’ll receive a 10% discount and 5% if you live in New York. New York also has a special discount where you’ll receive 5% off if you pay annually. Lastly, thanks to USAA insurance company’s partnership with Embrace, USAA customers can receive a discount of up to 15% off! Talk about savings! 


Lemonade is standing out from the crowd with its AI-driven claims processing. This allows them to reach out to you within seconds of pressing the submit button in some cases. Its prices are frequently among the cheapest, but its coverage is less extensive than that of the competitors. 

We are hesitant to sign up since it is new to the pet insurance sector. There is the possibility of big changes as it adapts to optimize revenue based on realistic cost and claims payments over time. Lemonade, on the other hand, may be a decent alternative if this risk isn’t a worry. Even when they are new to insurance coverage, they have been providing house and vehicle insurance since 2015.


Consider Figo if you’re looking for a low-cost choice. Dog and cat owners should consider Figo insurance. They offer protection against both accidents and infections. Its mission is to alleviate the financial burden that pet owners have when it comes to routine checkups and emergency care. 

Figo, like the other options on this list, is analogous to individual health insurance. Before coverage begins, you must first pay a yearly deductible. Figo makes it simple to see what they include (and what they don’t) in their programs.

Pre-existing conditions are not covered by most pet insurance policies, and Figo is no different. It’s possible that if your pet shows indications of an illness before your coverage begins, it won’t be covered. Figo does, however, allow exceptions for disorders that are curable.

Many purchasers may be able to get equivalent insurance from Figo at a fair price, because of its 5% discount for multiple cats. This combination might result in the highest value of insurance coverage for a variety of pets. 

It’s also one of the few businesses that will cover all of your expenses. According to our analysis, Figo may be difficult to surpass in terms of pricing while yet providing comprehensive coverage for your pets

3 kittens in a vet's arms

Embrace Pet Insurance is a good choice if you have multiple cats, since it gives you a discount of up to 10% on each pet that you cover.

©beton studio/

Do I Need Cat Insurance?

Pet medical emergencies, like human health problems, can strike at any time. Unexpected veterinary bills can result in further credit card debt or the depletion of a savings account. It may even entail declining suggested diagnostic tests or treatments in certain sad circumstances. Pet insurance pays for eligible veterinarian expenditures, allowing you to focus on your kitten’s care rather than the cost. 

Quality veterinarian care is becoming increasingly expensive, particularly as more modern medical procedures for pets become accessible. MRI, laser surgery, radiotherapy, and chemotherapy are just a few of the therapies available to our dogs these days. Pet insurance can provide you with the financial security you need to offer your pet the finest possible care.

What to Look for When Comparing Insurance 

The greatest cat insurance coverage is one that matches both your cat’s demands and your budget. When looking for pet insurance coverage, keep the following aspects in mind:

Plan Type 

We went over the main types of plans earlier in this article. Because some cover fewer areas of medical expenditures, accident-only and wellness insurance are less expensive than comprehensive plans. The right choice for your cat will be determined by your budget and the medical needs of your pet.

Waiting Period

Most pet insurance policies include waiting periods, which are periods of time following the purchase of a policy when you have restricted or no coverage. Some policies may allow you to start using your coverage right away. 

Waiting periods are in place to avoid people from buying pet insurance when they have a medical problem and then utilizing it right away.


You pay a monthly or yearly premium for pet insurance, and you must satisfy an out-of-pocket deductible before your insurer will cover a portion of your vet expenditures. Pet insurance policies also work on a reimbursement basis, which means you pay the vet cost out of pocket and afterward file a claim with the carrier to be paid for a pre-determined proportion of the bill’s qualifying items. 

Pet insurance policies with a high deductible and a low reimbursement percentage, on average, have cheaper rates than policies with a low deductible and high reimbursement amounts. Comprehensive policies are often more expensive than accident-only or wellness plans, and the kind of plan is also a large role.

Age of Your Pet

Pet insurance may be purchased at any time during your pet’s life. Nevertheless, because most pet insurance policies don’t cover pre-existing conditions, it’s frequently best to get a policy as soon as possible. Because of the greater health risks connected with older cats, some insurance companies may reject to cover an older cat.

Up Next

Check out these other great posts about our feline friends! 

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About the Author

Kirstin is a writer at A-Z Animals primarily covering animals, news topics, fun places, and helpful tips. Kirstin has been writing on a variety of topics for over five years. She has her real estate license, along with an associates degree in another field. A resident of Minnesota, Kirstin treats her two cats (Spook and Finlay) like the children they are. She never misses an opportunity to explore a thrift store with a coffee in hand, especially if it’s a cold autumn day!

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