Introduction
Owning a cat can be a rewarding experience, but vet bills for care and treatment can get expensive. That’s where pet insurance for cats comes in – it helps share the cost of medical care for your furry friend. But with so many providers to choose from, how do you know which company offers the best coverage and value? We compared the top pet insurance companies for cats based on cost, coverage options, customer satisfaction, and more.
How We Evaluated the Best Pet Insurance for Cats
To find the top pet insurance companies for cats, we looked at the following key factors:
- Cost – Monthly premiums, deductibles, reimbursement rates, policy limits and overall value
- Coverage – Illness, accident, emergency, prescriptions, examinations, and non-routine care
- Reimbursement process – How easy it is to submit and get claims paid
- Customer satisfaction – Reviews, ratings, complaints
- Discounts – Multi-pet, military, senior cat
- Exclusions – Pre-existing conditions, exam fees, breed restrictions
We then identified 6 of the best pet insurance for cats options based on these criteria:
Top 6 Pet Insurance Companies for Cats
| Company | Starting Monthly Premium | Reimbursement Rate | Highlights |
| Figo | $12 | 70-100% | Comprehensive accident & illness plans, easy claims |
| Lemonade | $10 | 70-90% | Fast payment of claims, great mobile app |
| Pumpkin | $12 | 70-100% | Unlimited annual coverage, mobile app |
| ASPCA | $16 | 70-90% | Range of coverage options, not-for-profit |
| Embrace | $20 | 70-90% | Covers alternative treatments, wellness rewards |
| Healthy Paws | $15 | 70-90% | Customer service focused, easy enrollment |
Below we provide an overview of each of these top pet insurance companies for cats, including information on cost, coverage, and customer satisfaction.
1. Figo Pet Insurance
Figo Pet Insurance offers comprehensive accident and illness coverage for cats of all breeds and ages.
Key features:
- Starting monthly premium: Plans start at $12/month
- Reimbursement rate: 70-100% reimbursement after $100-$250 deductible
- Coverage highlights: Accidents, illnesses, cancer, emergency care, prescriptions, exams, surgeries, hospitalization
- Discounts: Multi-pet discounts available
Figo makes it simple to get pet insurance for cats with easy online signup. Claims can be submitted via mobile app or web portal and are usually processed within 2 business days. Many happy Figo customers praise the fast claims payments and responsive customer service.
2. Lemonade Pet Insurance
Lemonade is a tech-focused insurer with streamlined pet insurance plans and fast claims payment.
Key features:
- Starting monthly premium: $10/month
- Reimbursement rate: 70-90% reimbursement after $100-$250 deductible
- Coverage highlights: Accidents, illnesses, cancer, dental diseases, prescriptions, exams
- Discounts: Multi-pet discount
Lemonade offers simple pricing and policies for cats. Claims can be submitted and paid in seconds through the Lemonade app. Customers like the convenience, speedy claims payout, and responsiveness of the company.
Also Read:
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3. Pumpkin Pet Insurance
Pumpkin provides unlimited annual coverage for accidents, illnesses, emergencies, and preventive care.
Key features:
- Starting monthly premium: $12/month
- Reimbursement rate: 70-100% reimbursement after $100-$500 deductible
- Coverage highlights: Accidents, illnesses, cancer, hereditary conditions, emergencies, prescriptions, dental diseases, exams, alternative therapies
- Discounts: Multi-pet discounts
Pumpkin offers customizable plans and convenient mobile app claims. Customers praise the easy signup process, helpful customer service, and fast claims payments.
4. ASPCA Pet Insurance
ASPCA Pet Insurance is a reputable not-for-profit pet insurer with comprehensive coverage options.
Key features:
- Starting monthly premium: $16/month
- Reimbursement rate: 70-90% reimbursement after $100-$500 deductible
- Coverage highlights: Accidents, illnesses, emergencies, cancers, surgeries, hospitalization, prescriptions, exams, x-rays, therapies
- Discounts: Multi-pet discounts
ASPCA offers a range of plan choices for cat owners. The claims process is straightforward and payouts are prompt. Many customers recommend ASPCA pet insurance for its strong coverage and excellent service.
5. Embrace Pet Insurance
Embrace provides comprehensive accident and illness insurance tailored for cats.
Key features:
- Starting monthly premium: $20/month
- Reimbursement rate: 70-90% reimbursement after $200-$1000 deductible
- Coverage highlights: Accidents, illnesses, emergencies, cancer, dental diseases, alternative therapies, wellness rewards
- Discounts: Multi-pet discounts
Embrace allows pet parents to customize coverage with add-ons. Customers like the smooth signup and claims processes, extensive policy options, and excellent customer service.
6. Healthy Paws Pet Insurance
Healthy Paws offers comprehensive cat insurance with a focus on customer satisfaction.
Key features:
- Starting monthly premium: $15/month
- Reimbursement rate: 70-90% reimbursement after $100-$500 deductible
- Coverage highlights: Accidents, illnesses, cancer, hereditary conditions, emergencies, surgeries, hospitalization, therapies, prosthetics, chronic conditions
- Discounts: 5% for military
Healthy Paws makes enrolling easy with an online process. Claims are typically processed within 5 days. Customers like Healthy Paws for its robust coverage, seamless claims, and top-notch customer service.
What To Look for in Cat Insurance
When choosing pet insurance for cats, here are some key factors to consider:
- Age of your cat – Older cats often have higher premiums and limited coverage
- Breed – Some insurers exclude certain breeds or charge higher premiums
- Pre-existing conditions – Many providers won’t cover pre-existing conditions
- Coverage inclusions – Look for accident & illness coverage plus extras like dental, therapies
- Reimbursement process – Seek companies with fast, easy claims payments
- Deductibles – Usually $100-$500 per condition
- Reimbursement percentages – Typically 70-90%
- Policy limits – From $5,000 up to unlimited annual coverage
- Wellness add-ons – For preventive and routine care like exams, vaccines
- Customer service – Check reviews and ratings for the insurer
Working with a top pet insurance company for cats can give you peace of mind knowing you can access quality veterinary care without breaking the bank. Be sure to read policies carefully and compare options to find the best fit.
Frequently Asked Questions About Cat Insurance
How much does pet insurance cost for cats?
For cat insurance, expect to pay $10-$30 per month depending on your deductible, reimbursement rate, coverage limits, and other factors. Average costs range from $15-$25/month.
What does cat insurance cover?
Cat insurance typically covers:
- Accidents like broken bones, cuts, bites
- Illnesses like cancer, kidney disease, diabetes
- Surgeries and hospital stays
- Prescription medications
- Diagnostic tests like x-rays, MRIs
- Emergency care and urgent visits
Does insurance cover dental care for cats?
Some pet insurers include dental disease coverage for cats. Others offer it as an optional add-on for an additional premium. Be sure to check policy details for any dental coverage inclusions or exclusions.
Is there pet insurance for senior cats?
Yes, most providers offer senior cat insurance but premiums are higher and pre-existing conditions may be excluded. Some companies don’t enroll cats over age 10-12. Read the policy carefully.
Does pet insurance cover pre-existing conditions in cats?
Unfortunately, pre-existing conditions are usually excluded from coverage. Some insurers will cover conditions after 12 months of continuous coverage without symptoms, but this can vary.
Are purebred cats more expensive to insure?
Some companies charge higher premiums for purebred cat breeds prone to genetic conditions like Persian cats. But others charge the same rates regardless of breed. Shop around for the best purebred cat insurance rate.
The Bottom Line
Insuring your cat can save you thousands in vet bills over your pet’s lifetime. Comparing providers based on price, coverage, and service can help you find the right policy for your needs and budget. Sticking with a top pet insurance company for cats provides peace of mind knowing you can access quality care without financial worries. Consider Figo, Lemonade, Pumpkin, ASPCA, Embrace or Healthy Paws for quality cat insurance options.
