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9 Best Pet Insurance Companies for Cats (2021)

Keeping your cat protected from accidents and illnesses with a pet insurance policy can give you peace of mind that it will get the attention it needs when an unexpected event occurs. Keep reading for our review of the best pet insurance providers for cats on the market.

A light orange cat lays on a brown textured rug in the interior of a home. Adobe

In This Review: Lemonade | Prudent Pet | Healthy Paws | Embrace | Petplan | Spot | Pawp | ASPCA Pet Health Insurance | Pumpkin | Our Conclusion | FAQs

If your cat gets sick or injured, you could be responsible for thousands of dollars in vet bills. The best way to ensure you’re able to pay for those healthcare costs and mediate the headache that comes with excessive spending is by purchasing an insurance policy for your cat from one of the top pet insurers available.

With you and your furry friend’s needs in mind, the This Old House Reviews team researched the best pet insurance companies for cats and compared them on coverage, customer service, plan options, and pricing.

To give you an idea of how much these plans cost, we included some sample quotes from each provider for four-year-old cats of various breeds located in Raleigh, North Carolina. Ultimately, we recommend getting a few quotes from different insurers to compare prices based on your ZIP code and cat’s breed, size, and age.


Top 9 Pet Insurance Companies for Cats & Kittens


Lemonade

We scored Lemonade with a 96 out of 100, making it our top pick for cat insurance. It excels in comprehensive coverage, annual limit options, and technological features, such as a mobile app and AI software for hassle-free claims filing. Not to mention, it’s the cheapest pet insurance company for cats in this review.

Lemonade lost points for limited customer service availability and a C rating from the Better Business Bureau (BBB). However, we found that complaints on the company’s BBB profile primarily reference Lemonade’s homeowners insurance or renters insurance products, rather than its pet insurance.

Pros and Cons of Lemonade Pet Insurance For Cats

✔ Has a charitable giveback program
✔ Offers a wellness coverage add-on
✔ Has a 10% discount for bundling a pet insurance policy with home insurance

✘ Doesn’t cover your cat’s behavioral issues
✘ Isn’t available in 15 states

Lemonade Pet Insurance Plans

Lemonade offers one plan for accidents and illnesses, a wellness plan add-on, and two optional coverage boosts. It excludes pre-existing conditions as well as cosmetic or elective procedures, dental care, and behavioral treatments.

Here are more details about Lemonade’s coverage plan:

  • Accident and Illness Plan: This plan covers vet bills from procedures, diagnostics, and medications related to accidents and illnesses, such as broken bones, injuries, sprains, vomiting, diarrhea, infections, cancer, skin conditions, hip dysplasia, arthritis, heart disease, and diabetes.

Here are the options for additional coverage:

  • Preventative Care Add-On
  • Vet Visit Fees Add-On
  • Physical Therapy Add-On

You can choose from the following to help customize your premium:

  1. 70%, 80%, and 90% reimbursement rates
  2. $100, $250, and $500 annual deductibles
  3. $5,000, $10,000, $20,000, $50,000, and $100,000 annual limits

Use the company’s fast online quote tool to check plan prices based on your cat’s breed and age.

Learn More: Lemonade Pet Insurance Review


Prudent Pet

With its impressive Ultimate Plan, Prudent Pet scored a 95 out of 100, making it one of our top suggestions for cat parents. Its Ultimate Plan features an unlimited annual coverage cap as well as unique coverage for advertising fees and rewards for your missing cat, boarding or cattery fees, replacement fees for stolen or lost cats, mortality expenses like cremation or burial fees, and even vacation cancellation fees for when your cat gets sick or injured.

Pros and Cons of Prudent Pet Insurance For Cats

✔ Includes access to a 24/7 vet chat with each policy
✔ Provides a 30-day money-back guarantee
✔ Has a live chat for customer service

✘ Only offers two annual limit options
✘ Prices are higher than many competitors

Prudent Pet Plans

Prudent Pet offers three plan options in addition to an add-on for exam fees and an add-on for wellness coverage. Although the annual limits are set for each plan, you can customize your premium by choosing between 70%, 80%, or 90% reimbursement percentages and $100, $250, $500, or $1,000 annual deductibles. Prudent Pet excludes any pre-existing conditions that arise before enrollment or during the waiting periods.

Below are more details about each plan:

  • Accident-Only Plan: Policies with this plan include $10,000 per year to pay for vet bills associated with covered accidents, such as bite wounds, broken bones, and swallowed objects.
  • Essential Plan: This plan includes $10,000 in payouts per year for costs related to the accidents covered in the Accident-Only Plan, plus illnesses, including cancer, growths, digestive issues, gum disease, congenital conditions, ear conditions, skin conditions, eye conditions, hereditary conditions, hip dysplasia, urinary infections, and behavioral disorders up to $250.
  • Ultimate Plan: As the most comprehensive plan, the Ultimate Plan covers unlimited costs from all of the accidents and illnesses in the other two plans, plus an extra $750 for behavioral disorders. It also includes extra coverage for vacation cancellation fees, mortality costs, pet replacement costs from theft or stray, boarding fees, and advertising costs for lost cats.

Here are the options for additional coverage:

  • Veterinary Exam Fee Coverage
  • Wellness Coverage Add-On

Learn more about the extra coverage in Prudent Pet’s Ultimate Plan and get an instant quote by visiting the Prudent Pet website.


Healthy Paws

Depending on your cat’s breed, Healthy Paws offers the cheapest unlimited coverage on the market. Its policies don’t have any per-incident, annual, or lifetime limits, meaning you never have to worry about your cat being under-covered after an accident, no matter how many claims you file or how many payouts you receive during your policy’s term.

We gave Healthy Paws a 93.5 out of 100, adding points for coverage and affordability but taking away points for minimal customizability and lack of wellness coverage.

Pros and Cons of Healthy Paws Pet Insurance For Cats

✔ Has a 30-day money-back guarantee
✔ Features an online tool for getting quotes and signing up for a policy
✔ Offers a mobile app for policy management and claims

✘ Offers less customizability than many competitors
✘ Doesn’t offer wellness or preventative care coverage

Healthy Paws Plans

Healthy Paws only offers one plan for coverage on accidents and illness, which includes procedures, treatments, and other costs for cancer treatments, diagnostic procedures, X-rays, blood tests, ultrasounds, surgery, hospitalization, prescription medications, emergency care, specialty care, and alternative treatments.

It also covers hereditary, chronic, and congenital conditions as long as they don’t manifest until after enrollment and the 15-day waiting period. Healthy Paws doesn’t cover pre-existing conditions and excludes hip dysplasia during the first 12 months of the policy and never covers elective procedures, dental care, preventative care, spaying, or neutering.

Although Healthy Paws’ plan always comes with unlimited coverage, you can customize your policy by choosing a reimbursement percentage of 70% or 80% and a deductible of $250 or $500.

If you’re a cat owner and want to avoid running out of coverage, get a quote from Healthy Paws and check prices based on your ZIP code and cat’s breed.

Learn More: Healthy Paws Pet Insurance Review


Embrace

Embrace scored a 93.5 out of 100 in our review of pet insurance companies for cats, and it impressed us most for its deductible options and unique diminishing deductible benefit called the Healthy Pet Deductible. This benefit is free with all policies and credits policyholders with $50 towards their deductible each year they don’t file a claim. Pet owners who keep their cat healthy can take advantage of this no-catch feature and save money on out-of-pocket expenses when they eventually need to file a claim.

Pros and Cons Embrace Pet Insurance For Cats

✔ Covers chronic conditions
✔ Has a 10% multi-pet discount
✔ Offers three annual limit options for additional wellness coverage

✘ Its plans are more expensive for certain pure breeds
✘ Has limited customer service hours

Embrace Plans

Embrace sells one plan for accident and illness coverage and an add-on for preventative care. Its policies exclude pre-existing conditions or health issues that are noticed by you or a vet before the end of the two-day waiting period for accidents and 14-day waiting period for illnesses.

Here are more details about Embrace’s plan:

  • Accident and Illness Plan: This plan covers accidents and illnesses, including treatments, procedures, and costs related to them, such as exam fees, allergy testing, cancer treatment, dental trauma, prescription drugs, physical therapy, acupuncture, emergency care, hospitalization, and treatments for genetic or congenital conditions.

Here is the option for additional coverage:

  • Wellness Rewards for Routine Care: This is a supplementary benefit that covers routine vet visits, prescription diet foods, vaccinations, cremation, grooming, blood tests, medicated shampoos, and more. It pays 100% up to your chosen annual amount of $250, $450, or $650.

You can customize your premium with the following options:

  1. 70%, 80%, and 90% reimbursement rates
  2. $200, $300, $500, $750, and $1,000 annual deductibles
  3. $5,000, $8,000, $10,000, $15,000, and $30,000 annual limits

Get started with the Healthy Pet Deductible by filling out this form for an instant quote.

Learn More: Embrace Pet Insurance Review


Petplan

Petplan scored a 91.5 out of 100 in our review, earning points for offering some of the most comprehensive coverage in the industry with its accident and illness plan. It stands out for its holistic care coverage, which is often limited or excluded with other providers. The holistic care provided by Petplan includes acupuncture treatments, chiropractic care, homeotherapy, stem cell therapy, and up to $1,000 in behavioral therapies.

Pros and Cons of Petplan Pet Insurance For Cats

✔ Offers an unlimited annual coverage cap option
✔ Features a helpful mobile app for submitting claims
✔ Includes coverage for exam and sick visit fees

✘ Doesn’t offer a multi-pet discount
✘ Includes a longer waiting period of 15 days for accidents and illnesses

Petplan Plans

Petplan offers one plan for accidents and illnesses, and it doesn’t offer any coverage add-ons for wellness and preventative care. Its standard plan covers injuries and conditions such as dental disease, chronic conditions, hereditary conditions, cancer, and behavioral disorders. It also pays for treatments, procedures, and vet visits related to those conditions when recommended by your vet. Covered items include X-rays, diagnostic tests, surgeries, rehabilitation, prescription medications, specialty care, hospitalization, and more.

Petplan also includes coverage for advertising and reward money up to $1,000 if your pet is lost or stolen, in addition to boarding kennel fees if you’re ever hospitalized for more than four days and need someone to care for your cat until you’re discharged.

You can customize your policy coverage and premium by selecting from these options:

  1. 70%, 80%, and 90% reimbursement rates
  2. $250, $300, and $500 annual deductibles
  3. $5,000, $15,000, and unlimited annual coverage caps

Fill out this online form to get a free quote from Petplan on your cat’s policy.


Spot

Spot scored a 91 out of 100 for its affordability and customization. Since its annual limits, reimbursement percentages, and deductibles are highly customizable, you can decrease your premium to as low as $5 per month for your cat by selecting the Accident-Only Plan with the lowest coverage and highest deductible. We recommend this provider to pet owners who are looking for minimal coverage on expensive emergencies and don’t want to spend much on monthly premiums.

Pros and Cons of Spot Pet Insurance For Cats

✔ Features helpful pet ownership resources on its website
✔ Offers a cheap accident-only plan
✔ Has an unlimited coverage option

✘ Has a long waiting period of 14 days for accidents
✘ Doesn’t cover cats under eight weeks old

Spot Plans

Spot provides two plans: one for accident coverage and one for accident and illness coverage. It also offers two preventative care options. Its policies exclude pre-existing conditions, cosmetic procedures, and breeding costs.

Here are details for the two plans offered by Spot:

  • Accident-Only Plan: This is the cheapest plan offered by Spot. It includes accident coverage for procedures, treatments, and other vet bills related to broken bones, injuries, toxic ingestions, or swallowed objects.
  • Accident and Illness Plan: This plan includes coverage for the accidents in the Accident-Only Plan, plus coverage for illnesses, cancer, behavioral issues, respiratory infections, diabetes, hip dysplasia, heart disease, intervertebral disc disease (IVDD), and more.

Here are the options for additional coverage:

  • Gold Preventive Care
  • Platinum Preventive Care

Customers can choose from the following options to lower their premium:

  1. 70%, 80%, and 90% reimbursement rates
  2. $100, $250, $500, $750, and $1,000 annual deductibles
  3. $2,500, $4,000, $5,000, $7,000, $10,000, and unlimited annual limits

Get an instant quote from Spot to see how low your premiums could be by customizing your selections.

Learn More: Spot Pet Insurance Review


Pawp

Unlike traditional pet insurance companies, Pawp offers a membership instead of an insurance policy. Despite this, Pawp scored a 90 out of 100 in our review. We recommend it to pet owners who want unlimited chat or video call access to licensed veterinarians. Members also get a $3,000 emergency fund that can be paid directly to their vet for one emergency per year.

Pros and Cons of Pawp Pet Insurance For Cats

✔ Its coverage is easy to understand
✔ Covers up to six cats with one membership
✔ Has a customer service live chat

✘ Only pays for one emergency per year
✘ Caps annual coverage at $3,000
✘ Doesn’t offer plan customization

Pawp Plans

Pawp’s membership includes a $3,000 emergency fund that can pay for emergencies related to any accidents or illnesses as long as your pet didn’t show symptoms until after enrollment and the 15-day waiting period.

However, this fund can pay for only one emergency per year. Before accessing the fund, pet owners must contact a Pawp representative within four hours of the incident so the representative can verify whether or not your pet’s condition is considered an eligible emergency.

Pawp Sample Monthly Rates

Pawp charges a flat rate of $19 per month, so it’s a great option for pet parents with expensive cat breeds or multiple cats.

Sign up for a membership with Pawp by entering your ZIP code and cat’s information into this online form.


ASPCA Pet Health Insurance

ASPCA Pet Health Insurance is another top provider for cats and kittens, scoring an 89 out of 100 in our rating. We recommend it to new cat owners, since it offers a breadth of resources on its website and mobile app, from articles about various cat breeds and pet health issues to a local vet finder tool that can help connect you to the best veterinarians in your area.

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Pros and Cons of ASPCA Pet Insurance For Cats

✔ Features a pet insurance comparison tool on its website
✔ Covers exam fees
✔ Offers an accident-only plan for inexpensive coverage on injuries

✘ Doesn’t offer coverage limits higher than $10,000
✘ Doesn’t offer a website chat for customer service

ASPCA Pet Health Insurance Plans

ASPCA Pet Health Insurance offers an inexpensive plan for accident-only coverage in addition to a more comprehensive plan for your cat’s accidents and illnesses. It also offers wellness care add-ons at two different coverage levels and price points. None of its plans will cover your cat’s pre-existing conditions, cosmetic procedures, anal gland expression, and breeding.

Here are more details about ASPCA Pet Health Insurance’s plans:

  • Accident-Only Coverage Plan: This plan covers your cat’s treatments and procedures, including diagnostic tests, medications, surgery, and tooth extractions, related to unexpected accidents such as broken bones, cuts, bite wounds, and toxic ingestions.
  • Complete Coverage™ Plan: This plan includes the same coverage in the Accident-Only Coverage Plan plus coverage for necessary treatments, procedures, and vet visits related to your cat’s illnesses and other conditions, such as cancer, hereditary conditions, behavioral issues, congenital conditions, and dental disease.

Here’s more information about ASPCA Pet Health Insurance’s preventative care add-ons:

  • Basic Preventative Plan
  • Prime Preventative Plan

To customize your monthly premiums, you can select from the following options when getting a quote:

  1. 70%, 80%, and 90% reimbursement rates
  2. $100, $250, and $500 annual deductibles
  3. $3,000, $4,000, $5,000, $7,000, and $10,000 annual coverage limits

Get a free quote from ASPCA Pet Health Insurance on the company’s website by submitting your cat’s age, breed, and location.

Learn More: ASPCA Pet Insurance Review


Pumpkin

We recommend Pumpkin for pet owners who are concerned about their cat’s dental injuries or illnesses, since this provider covers tooth extractions, periodontal illnesses, and cleanings if they’re necessary to treat an eligible condition. Pumpkin coverage includes exam fees, procedures, diagnoses, and other related costs. Scoring an 86 out of 100, Pumpkin primarily lost points for high plan prices, a lack of plan customization, and limited preventative care coverage when compared with other top providers.

Pros and Cons of Pumpkin Pet Insurance For Cats

✔ Has text message customer service availability
✔ Covers exam fees in its standard policy
✔ Includes microchipping in its standard policy

✘ Only provides two annual limit options
✘ Offers limited preventative care coverage
✘ Doesn’t have a mobile app

Pumpkin Plans

Pumpkin offers one Pet Health Insurance Plan and an add-on for preventative care. All policies come with a 90% reimbursement percentage, but you can customize your annual limit by choosing between $7,000 and $15,000. You can also lower your premium by selecting a higher deductible of $100, $250, or $500.

Here is more information on the one plan offered by Pumpkin:

  • Pet Health Insurance Plan: In addition to covering costs related to most accidents and illnesses, including UTIs, kidney disease, diabetes, broken bones, cancer, respiratory infections, and more, this plan covers behavioral issues, microchipping, and prescription diet foods for eligible conditions.

Here is the option for additional coverage:

  • Preventative Essentials Pack

Note: Pumpkin doesn’t cover any pre-existing conditions, breeding, boarding, or grooming.

To get a free quote from Pumpkin, use this easy online tool.

Learn More: Pumpkin Pet Insurance Review


Frequently Asked Questions

How much does pet insurance for cats cost?

The cost of pet insurance for cats can vary depending on their breed and age, but we found that monthly premiums are usually around $10–$30. For the most accurate pricing, we suggest getting a few quotes from different providers by entering your ZIP code and answering a few questions about your cat on each company’s website.

Is pet insurance for cats worth the cost?

Protecting your cat with pet insurance can help get it treated quickly during an unexpected accident or illness. Additionally, purchasing a policy can be a smart decision to manage costs and get additional coverage for wellness and routine care.

Can I get pet insurance while my cat is sick?

Since pet insurance doesn’t cover pre-existing conditions, you can’t wait until your cat is sick to purchase a policy. Get a policy while your cat is healthy, and any future incidents will be covered.

How do I get a pet insurance quote?

All of these companies have online quote tools that take seconds to fill out, and many of them don’t ask for phone numbers or other personal information. Typically, you’ll enter your ZIP code and email address as well as your pet’s breed, age, and size.

Will my pet insurance provider check my credit score when I purchase a policy for my cat?

No, pet insurance companies typically don’t need to run any credit checks to enroll you and your cat in a pet insurance policy. You typically only need to provide your cat’s age, gender, breed, and ZIP code to get a quote and purchase a policy.

Can these companies also cover my dog?

These companies offer comparable pet insurance policies for dogs that you can combine with your cat insurance policy. Not to mention, many of them, such as Embrace, Spot, and Prudent Pet, offer 10% discounts for adding additional pets to one policy.


Our Conclusion

Each of these nine pet insurance providers brings something unique to the table for you and your cat. Whether it’s Lemonade’s impressive overall coverage and technological features, Healthy Paws’ unlimited coverage with no lifetime caps, or Pawp’s digital clinic and coverage for up to six cats, these providers can ensure your cat is protected all year round.

Since pet insurance pricing can vary based on location, our biggest recommendation to readers is to get custom quotes from at least three different providers.

Compare Top Pet Insurance Providers

Provider Our Rating Get A Free Quote
Provider Our Rating Get A Free Quote
Lemonade 96 Get Quote
Prudent Pet 95 Get Quote
Healthy Paws 93.5 Get Quote
Embrace 93.5 Get Quote
Petplan 91.5 Get Quote
Spot 91 Get Quote
Pawp 90 Get Quote
ASPCA 89 Get Quote
Pumpkin 86 Not Available

How Does Pet Insurance for Cats Work?

Not only is pet insurance a helpful way to minimize out-of-pocket spending when your cat gets sick or hurt, but it’s also the best way to receive peace of mind that your four-legged companion will get the proper medical care it needs during an emergency.

Here are a few key pet insurance terms to know before purchasing a policy:

  • Reimbursement: Rather than paying your bill directly at the vet, most pet insurance companies reimburse you for the cost after you’ve paid for the bill. Many providers give you the option of a reimbursement percentage of 70%, 80%, or 90% to help you customize your premium. If you choose the lowest option, your monthly premium will be a few dollars cheaper. Pawp will pay your vet before you leave the clinic instead of reimbursing you for the bill at a later time.
  • Coverage limit: Each company will pay up to a set amount per year for your cat’s accidents and injuries. However, companies like Prudent Pet, Healthy Paws, and Spot all offer unlimited annual coverage caps. Some companies may also have per-incident or lifetime limits in the fine print of each policy. If you’re looking to spend less per month, consider lowering your annual limits to help decrease your monthly premiums.
  • Deductibles: The deductible that you choose on your policy is the amount you’ll owe during a claim before being reimbursed. For example, if your vet bill is $2,000 and your deductible is $500, you’ll be reimbursed for the remaining $1,500 after paying the $500 out of pocket. Choosing a lower deductible on your plan raises your monthly premium, since it requires your provider to make a bigger payout during a claim.
  • Exclusions: No companies in the pet insurance industry cover any pre-existing conditions that arise before enrollment or during your policy’s waiting period. However, this doesn’t necessarily include chronic, congenital, or hereditary conditions as long as the symptoms and issues don’t manifest until after coverage starts. Most companies also don’t cover elective procedures, such as ear clipping or declawing, grooming, pregnancy-related issues, or breeding.
  • Waiting period: Any incident that occurred during your policy’s waiting period is considered an excluded pre-existing condition. If your waiting period is 14 days for illnesses, you can’t file a claim until after those 14 days. Lemonade and Embrace have the shortest waiting periods for accidents of just two days after the policy’s effective date.
  • Claims: Making a claim with these pet insurance providers is typically an easy process. You reach out to a representative to initiate the process, send over documentation from your vet (which can typically be any licensed vet in the U.S.), wait for coverage to be declared, and receive a payout. All of these companies offer direct deposit options, so you can receive the money directly in your bank account. What’s more—Lemonade’s AI technology can offer the most hassle-free experience and make decisions without having to involve a representative at any time throughout the process.

Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.


To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.