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.)


What does cat insurance cover?

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.).

What cat insurance should I get?

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.

When start to buy insurance for indoor cats?

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.

Bottom line

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.

I am Claudine, a College of Veterinary Medicine alumni and cat health & lifestyle specialist. In this blog, I share my personal experience and recommendations on improving cat’s diet, behavior, and both physical and psychological state.

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