Best Pet Insurance for Cats in 2021
Top 6 cat insurance in 2021
This one is among the most popular options in the best pet insurance for cats reviews. Let’s see what Embrace has in store for us.
Embrace pet insurance for cats is highly flexible and, therefore, affordable for pet owners. You can choose among several coverage combinations, with three types of reimbursements: 70%, 80%, or 90%, based on veterinary bills. Also, the range of deductibles here is from $200 to $1,000. The annual payout maximum ranges from $5,000 to $30,000, depending on the insurance plan you choose.
The company offers “Accident-only” and “Accident and illness” plans. Both cover emergency expenses at any licensed vet hospital, with all the benefits starting only two days after enrollment. Cats up to age 14 are free to choose between all the plans available, while Embrace pet insurance for older cats offers the “Accident-only” coverage only.
Besides two primary insurance plans for cats, Embrace also has Wellness Rewards: It’s an additional plan working as a flexible saving account for your cat’s routine care expenses. Wellness Rewards covers up to $650 for prescribed vaccines, flea control, and more.
What customers think of this cat insurance:
The reviewers of Embrace pet insurance give it 3 out of 5 stars on Yelp. Negative feedback is mainly about the company’s tendency to deny claims, linking them to pre-existing and, therefore, unrelated conditions. Positive reviews describe the provider as compassionate and affordable, with a 30-day money-back guarantee as an extra advantage.
In a word:
- Pros: Embrace insurance for cats is affordable, thanks to their flexible offers. The provider covers emergency care and hospitalization, a wide range of conditions and treatments, and bases their reimbursements on actual medical costs. Customers also point out a $50 “Healthy Pet Deductible benefit” you can get for every year with no claims.
- Cons: Embrace doesn’t have unlimited benefit options and takes additional fees for paying monthly. According to customers and some pet insurance reviews, this provider is not that generous with wellness options. Also, they may deny claims, writing them off as “unrelated.”
Most pet insurance reviews describe PetFirst as an affordable option with the best value for routine care. Let’s see what other benefits it offers.
Annual benefits of this cat health insurance start at $125 and go up to $575. The point to remember is that, unlike Embrace insurance, PetFirst doesn’t carry over any unused benefits to the next year. Also, each preventative treatment has an individual limit.
Pet owners can choose among three coverage limits: $2,000, $5,000, and $10,000. With a reimbursement percentage of 80%, PetFirst pet insurance for cats offers limited types of coverage.
The top plan here is “Accident and illness,” covering all the essential components of vet visits: exam fees for each appointment, procedures, medications, etc. Thanks to three different combinations of annual limits available, pet parents can customize the plan to meet their needs.
PetFirst doesn’t offer an “Accident-only” plan but covers routine visits and specific preventive care types. Their “Wellness” plan includes vaccinations, spay/neuter surgery, microchipping, behavioral training, and more. Plus, PetFirst is a cat dental insurance, covering your costs on corresponding procedures. These routine care moments fall within the total annual benefits (those between $125 and $575).
What customers think of this cat health insurance:
Pet owners value PetFirst vet insurance for cats for its affordability and the wide variety of policy terms it covers. Although accident and injury limits are just $10,000 (max) per year, the provider is easily accessible and ready to help. Negative comments are mainly about the absence of an “Accident-only” plan and about a limited trial period.
In a word:
- Pros: PetFirst is cheap cat insurance; all its wellness benefits come from $125 to $575 annually. They have responsive customer service and an online resource center to answer all the questions pet owners might have on health, breed specifics, or behavioral problems. One more positive note is that accident coverage at PetFirst begins just one day after enrollment.
- Cons: No “Accident-only” plans, a limited 14-day trial period, individual limits for each preventive treatment, and a relatively low annual limit ($10,000 max).
This one is vet insurance for cats, founded by Dr. Jack Stephens and based in Boise, Idaho. Pet parents love it for the mission to “end economic euthanasia of pets.”
It seems that Pets Best is the most flexible cat insurance provider on our list. They allow choosing a deductible of $0 to $1,000 and a reimbursement level of 70%, 80%, or 90%. At the same time, their annual limit is $5,000 max for the “Accident and illness” policy, which is relatively low if compared with others. However, you can always choose an unlimited option, too.
Also, Pets Best gives several discounts for those signing up online and enrolling multiple pets. If you plan to take an “Accident-only” plan, get ready for a $250 deductible.
This pet insurance for cat offers three general plans: “Accident-only,” “Accident and illness,” and “Wellness.” In its turn, their “Accident and illness” plan has a complicated structure, falling into three different sub-plans with different types of treatment. It can be a bit confusing for pet owners to decide on the best one to choose.
Pets Best’s “Accident-only” plan is not customizable. With 90% reimbursement for all treatments, it comes with a $10,000 limit only. All the plans cover examinations, rehabilitation, therapy, prescription medications, and more. Their “Wellness” package comes as an add-on to any primary policy.
What customers think of this cat health insurance:
Pets Best has an average customer rating of 3 out of 5 stars, and the main reason for this is their complicated policies for the “Accident and illness” plan. Some pet owners find it challenging to get right into the nuts and bolts of “who is who” there, but they choose Pets Best cat pet insurance for their moderate prices and broad coverage.
In a word:
- Pros: Customers value Pets Best for their highly flexible pricing and fast reimbursements. Unlike most other cat insurances, they have no upper age limit: They charge age-based premiums for illness coverage only. Plus, this provider offers low premiums (less than $10 per month for younger cats).
- Cons: Relatively low annual maximums, quite complicated plan structures, and only two annual limits available.
Founded in 2003, this top-rated pet insurance boasts high customization and reimbursements for a range of unexpected costs.
With Petplan, you can choose among 16 deductibles, three reimbursement levels, and seven annual limits. Limits start at $2,500 and go up to $25,000. Premiums will depend on a pet’s age and breed; cats aged ten and up get the only option: $750 deductible, 70% reimbursement, and a $15,000 annual limit.
The lower annual limit you choose, the less you’ll pay monthly. And yet, a minimum price per month is $20.16, and the lowest possible deductible is $250 here. All this makes Petplan less affordable than other insurance providers on our list.
Petplan offers one single plan to pet owners: “Accident and illness,” reimbursing expenses for examinations, tests, medical prescriptions, and treatment. They don’t cover any preventive care or end-of-life costs. But, unlike most other providers, Petplan has no upper age limits for cats. It covers dental care, alternative therapies, and rehabilitation.
This only plan is highly customizable. Pet owners with annual limits of $15,000 or more can expect additional benefits such as behavioral therapy or ads and rewards coverage if a cat is lost. No wellness benefits are available for the policyholders of Petplan’s standard plans.
What customers think of this cat pet insurance:
Customers give 3 out of 5 stars to Petplan, complimenting the provider for flexibility and highly comprehensive coverage. When it comes to negative reviews, they are mostly about a company’s tendency to deny claims, defining those as pre-existing conditions. Also, customers don’t like a high transaction fee of $3 and the absence of preventative care and discounts.
In a word:
- Pros: With only one plan available, Petplan offers many ways to customize it according to a pet owner’s needs. The provider has no upper age limit for pets, covers a wide range of injuries and illnesses, provides helpful online resources, and has no network limitations. If you’re a vet professional, this cat health insurance offers a discount for you.
- Cons: Unlike most pet insurance providers, Petplan doesn’t have any form of preventive care coverage for policyholders. Also, pets who enroll at age six and up must undergo a vet exam.
Trupanion cat pet insurance offers one plan for both felines and canines. With no annual limits, it looks reasonable for many pet owners to choose.
This pet insurance provider has a $0 deductible available, with no annual limits and a 90% reimbursement for all covered treatments. Unlike some other insurers, Trupanion has a pricing guarantee and doesn’t raise their premiums each year while your enrolled cat gets older.
And yet, if we take a look at their monthly fee for a one-year-old cat, for example, it’s clear that Trupanion is not the #1 cheap cat insurance on this list. Their cost estimate starts from $17.23 to $54.62 per month, which can run much more expensive than other plans with similar terms.
The one single base plan is “Accident and illness,” and a pet owner can customize the only part of it – a deductible, between $0 and $1,000. For those looking for additional coverage, two policy enhancements are available: Recovery and Complementary Care and Pet Owner Assistance.
The former covers some non-clinical procedures, a la physical therapy or behavioral treatment. The latter is about some unexpected costs, a la ads and rewards for a missing pet or burial if a pet dies in accidents. But please note that the base plan from Trupanion doesn’t cover any preventative care.
What customers think of this pet insurance for cats:
Pet owners value the insurer for their affordable plans and low deductibles. For those in need of unlimited annuals that would cover all the standard medical procedures, Trupanion is a great option to consider. This provider has also got high ratings from multi-pet households, with both a cat and a dog on board. Negative reviews specify a relatively long waiting period (five days for injuries and 30 days for illnesses) and the absence of preventative care.
In a word:
- Pros: Trupanion cat pet insurance has no annual limits and offers 90% coverage. With a $0 deductible and pricing guarantee available, it’s worth trying for multi-pet households.
- Cons: The insurer doesn’t offer any discounts and preventative care. Policyholders also report limited payment terms and few customization options.
Pet Assure is not exactly insurance for cats, with no traditional policies but attractive terms and discounts for families with multiple pets.
Two factors determine Pet Assure costs for pet owners: location and number of pets they have. Entering your ZIP on their website, you’ll get specific info about monthly and annual payment plans in your area. You can save 25% or more on membership fees. Plus, you can save at least 40% by enrolling multiple pets.
Unlike traditional insurance for cats, Pet Assure has no annual limits, deductibles, and waiting limits. It covers pre-existing conditions, offers a 45-day money-back guarantee, and requires nothing but a membership fee that’s relatively lower than most pet insurance premiums.
Pet Assure is not a traditional cat insurance provider. It offers an alternative: a 25% discount for examination and treatments at participating veterinary clinics. You can purchase it on its own or as a supplement to your existing cat insurance policy.
It covers almost all treatments, including injuries, illnesses, wellness, preventive care, and pre-existing conditions. The discount works for all the registered Pet Assure vet clinics. This insurance is not for cats or dogs only; it applies to all pets, including fish, rodents, reptiles, etc.
What customers think of this cat insurance:
The affordability and comprehensible application instructions are among the top benefits customers attribute to Pet Assure. They love that it covers all pets with pre-existing conditions and doesn’t require any deductibles or waiting periods. The only minus is the provider’s limited network size: Only registered vets can provide a discount, and they should perform the treatment only in-house.
In a word:
- Pros: Pet Assure is not a traditional insurance provider. It has no annual limits or deductibles, covering all pets with their pre-existing conditions and offering a 25% discount for registered vet clinic services. For multi-pet households, there’s an additional discount of 40%.
- Cons: It has a low reimbursement percentage and a limited network size. If your vet is not a registered partner of Pet Assure, you won’t be able to use the discount there.
Cat insurance cost
The cost of pet insurance for cats depends on a few factors: a chosen type of coverage, annual limits, and required deductibles. As you can see from the chart where we compare pet insurance options for cat parents, an average cat insurance cost is $10-12 per month.
Cat health insurance is different from dog insurance
When looking for a pet insurance comparison, we may notice a slight difference between insurance for cats and dogs.
First, unlike dog owners, cat parents don’t need public liability insurance. That’s because the law considers felines “free spirits,” mentioning that owners can’t be responsible for what their cats do.
Second, pet insurance companies regard the health risks of cats and dogs differently. They count the probability of cats’ need in the treatment lower than dogs’ one, making cat insurance cheaper. Another reason for such a difference in cost is that vet treatment for cats appears to be significantly less than for canines in the first place.
And third, statistics say that feline owners don’t hurry up to buy cat health insurance as much as dog parents do. Some believe it doesn’t worth the costs; others hope their cats won’t need any severe treatment during a lifetime, reckoning with certainty on preventive care.
Do I need to buy insurance for my cat?
It’s a difficult decision for some pet owners, and all the doubts come to a financial situation in most cases. Cat owners want to have top-rated pet insurance for their four-legged friends but aren’t sure if they can afford a cat insurance cost.
On the other hand, some pet parents doubt if they need to buy pet insurance for a cat, assuming they may never need to file a claim. But when it comes to health issues, there can’t be any place for doubts:
Cat insurance is a must-have, especially for the breeds that are more prone to health issues. Understanding the peculiarities of their cats’ physical condition, pet parents can choose the most affordable insurance option. Some of us also put more value on peace of mind than money: Knowing that our cats are covered is more important than cost.
Now, back to cat breeds:
Vet insurance for cats may help us save money if our feline is prone to definite health issues because of her breed peculiarities. For instance, Persian, Siamese, and Abyssinian often have teeth problems, and cat dental insurance may come in handy. Ragdoll and Burmese are prone to urinary tract issues, including kidney and bladder stones.
Manx and Maine Coon suffer from spinal issues (spina bifida, spinal muscle atrophy, etc.). Norwegian forest cats and Bengal have to deal with hip dysplasia and knee dislocation. (The latter is also true for breeds like Cornish and Devon Rex.)
More than that, all the cats often suffer from heart and eye problems, where insurance can help too. It’s a surefire way to save some health screening costs once an owner notices troubles in a cat’s condition or behavior. Cat insurance allows us for more opportunities to diagnose felines and obtain treatment. It protects our furry friends from missing out on the care they might need.
Another perk of buying pet insurance for cats: It allows owners to pick a veterinarian. Unlike human insurance policies that may require working with a specific health care provider, pet ones give freedom of choice here.
However, please keep in mind that insurance should be a part of preventive actions like high-quality nutrition, tracking your cat’s wellbeing with pet cameras even when you are away, training, and regular vet visits.
What does pet insurance for cats cover?
It depends on the type of policies it provides. Before we choose the top-rated pet insurance for our felines, let’s find out which are available on the market:
- Accident-only. This type of cat insurance plan covers only injuries and health problems that were caused by specific accidents. For example, it may include cases when a cat gets run over by a car or ingests something poisonous. Such insurance plans don’t cover illnesses.
- Accident and illness. This cat pet insurance plan is among the most popular ones, providing coverage for accidents and conditions like heart or lung disease, digestive issues, or even allergies.
- Accident, illness, and wellness endorsement. Most pet owners prefer this one because of its comprehensiveness. This insurance plan provides coverage for diseases, accidents, and some routine vet care, such as flea control, dental care, and vaccines. It may also include pet insurance for older cats and cover a funeral cost when a feline passes away.
- Endorsement. It’s not an independent cat pet insurance plan but add-on coverages for a chosen policy. They vary and allow pet owners to customize their insurance plans with what matters most for their felines.
According to NAPHIA (North American Pet Health Insurance Association), 98% of pet owners who decide to cover their furry friends choose “Accident and illness” or “Accident, illness, and wellness endorsement” plans. Other 2% prefer “Accident-only” cat health insurance.
Lifetime cat insurance
For those looking for lifetime cat insurance for their felines, consider the following vendors from our list:
- Pets Best (No end-of-life expenses covered, but they have no upper age limit for enrollment.)
- Petplan (They offer a $15,000 annual limit for cats aged ten and up.)
- Pet Assure (They cover end-of-life expenses and enroll pets with no age limit.)
Most pet insurance for cat providers offer any of these three options: “Accident-only” (covers injuries and health problems caused by accidents), “Accident and illness” (covers both accidents and all the other health conditions), and “Wellness” (covers routine care beyond diseases: vaccines, dental care, flea control, etc.).
Please choose cat insurance depending on what medical procedures you want to cover. Some don’t offer preventive care, while others are for accidents only. Plus, pay attention to its cost estimate and annual limits. Cat insurance with the “Accident and illness” plan is worth your consideration.
Willing to protect their indoor felines from accidents or health issues, pet parents start buying insurance after a cat gets eight weeks old. Now she’s active enough for the risk of getting injured or eating something unwanted; so, an insurance plan for indoor kittens won’t hurt anyway.
Please, remember that insurance is supposed to be a part of your complex cat maintenance strategy that includes proper nutrition, care, and preventative measures such as monitoring her with a cat camera or using a cat tracker to easily find her.
Now that you’ve checked our pet insurance comparison and revealed all the pros and cons of the top-rated pet insurance providers on the market, it’s time to choose:
Which one does look the most appropriate for your four-legged friend? Or, maybe you’ve already purchased a cat pet insurance for your feline? Please share your experience in the comments.