Thinking about getting pet insurance for your cat? As any pet owner knows, an injured or sick pet’s vet costs can add up quickly. That’s why buying pet insurance for cats may be something you can do now to save money later.
Pet insurance is a great way to zero in on savings for your wallet. Here’s all the information you need to find out whether a pet insurance policy is a right fit for you and your feline.GET A FREE QUOTEPrudent Pet InsuranceRated the #1-Pet Insurance company on Trustpilot, it’s no wonder why customers love Prudent Pet.
The Best Insurance for Cats:
- High-Quality Pet Insurance: Spot Pet Insurance
- Best for Preventive Care: Pumpkin
- Best for Breed-Specific Conditions: Allstate
- Best for Giving Back: Lemonade Pet Insurance
- Best for Live Vet Chat: Prudent Pet
- Most Customizable for Cats: Petplan
- Best for Training and Grooming: Embrace Pet Insurance
The Best Cat Insurance
The best pet insurance for your cat will depend on personal factors. Your cat’s health, your financial situation and the kind of coverage you want play a large part. Each cat owner’s needs are different, so there’s no way to pick a one-size-fits-all insurance plan. Instead, you can decide what aspects of pet insurance are most important to you.
Starting Rate
$10/month
Best For
Best Overall
Pros
- Multiple pet discount
- Covers prescription food and supplements
- No upper age limit for coverage enrollment
- 30-day money-back guarantee*
- More reimbursement options: 70%, 80% and 90%
Cons
- Doesn’t cover exotic pets
1. High-Quality Pet Insurance: SPOT Pet Insurance
SPOT Pet Insurance is the No. 1 pet insurance provider recommended by Cesar Millan, the leading expert in dog behavior. Some insurance highlights:
- Between 70% to 90% reimbursement on eligible vet bills
- No age cap on coverage; insures from 8 weeks old
- Plans start as low as $1 a day
You can customize your coverage and can even add special SPOT-On coverage. Coverage options include accidents, behavioral issues, dental disease, illnesses, preventive services and even hereditary and congenital conditions.
SPOT recently added a 24/7 Helpline for SPOT Pet Insurance
SPOT’S claims service is easy. Just visit your vet (don’t forget to give your pet a treat on the way out!), send SPOT the bill and get reimbursed.
Take 30 seconds to fetch your free quote now.
*Rates vary based on plan type, species, breed, age and location
Starting Rate
Varies
Best For
Extensive Coverage
Pros
- No upper age limit
- Multiple pet discount
- An extensive list of covered procedures
Cons
- Plans only cover cats and dogs — no other pet types
2. Best for Online Visits: Pumpkin
Your cat or kitten deserves the very best care possible, and Pumpkin Pet Insurance gives you that opportunity.
Pumpkin’s site notes that after Pumpkin reviews your claim and determines whether your cat can be covered, you’ll receive a robust 90% reimbursement for the covered costs on your claim.
Pumpkin offers robust pet insurance plans for cats of all ages. Pumpkin provides preventative coverage, emergency care and general healthcare. If you’re considering Pumpkin as your pet insurance provider, know the annual coverage limits and reimbursement limits in its policies.
Reach out to Pumpkin for a sample quote.
3. Best for Breed-Specific Conditions: Allstate Pet Insurance
Allstate Pet Insurance covers dogs and cats. They specifically mention that genetic and breed-specific conditions are covered in their policy as long as the pet doesn’t show signs or symptoms of the condition before becoming insured.
Here is a quick rundown or what Allstate Pet Insurance does cover:
- Accidents and treatments for illnesses and diseases
- Cancer and chemo
- Surgery, hospital stays and nursing care services
- Labs, diagnostic tests (which include x-rays and MRIs)
- Medications
- Genetic and breed-specific conditions
- Complimentary therapies
- chronic/recurring conditions
They also have an optional Wellness Rewards plan that provides reimbursement for routine care, vaccinations, dental cleanings and more.
Get a custom quote for your pet from Allstate Pet Insurance today.
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Starting Rate
Depends on plan & pet
Best For
Affordability
Pros
- Super customizable so you get everything your pet needs without paying for stuff you won’t use
- Discount for having Lemonade home or renters insurance
- Very high cap on annual limits
Cons
- Only offers coverage for dogs and cats
- Not available in all states
4. Best for Giving Back: Lemonade Pet Insurance
Insurance companies keep extra dollars for profit, but Lemonade is unique in that after it pays your claims and its expenses, it gives any remaining premiums to a charity that you choose when you sign up for a policy. You can select charities like the American Red Cross, the Trevor Project, and many pet-centric causes. The downside to Lemonade pet insurance is that you can only insure dogs and cats (no exotic animals).
Lemonade offers easy-to-understand coverage options for dogs and cats. It’s even better for those who already have Lemonade renters or homeowners insurance as you get a discount for bundling your policies.
5. Best for Live Vet Chat: Prudent Pet
Prudent Pet offers Accident Only, Essential and Ultimate pet insurance policies that are customized to your cat’s individual needs.
They will reimburse up to 90% back on eligible cat medical costs based on the plan you choose.*
Prudent Pet also offers flexible options like wellness coverage that covers annual exams and dental cleanings. One other thing we like about Prudent Pet is that there is only a 5 day waiting period for accidents and a 14 day waiting period for illnesses, which is shorter than some of the competitors.
There are no in-network requirements and you get to keep your local veterinarian. You can expect a quick claims process and budget-friendly plans with Prudent Pet.
Get started with a quote now.
*Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply.