Written By: Melanie MussonReviewed By: Dr. Pippa Elliott BVMS, MRCVSUPDATED: Nov 18, 2020Fact Checked

It’s always discomforting when your cat gets sick or hurt.

And it can be difficult to decipher when your cat is sick because cats are very good at masking their feelings.

As always, the sooner you can get your cat to the vet, the sooner you will find out why your cat isn’t feeling well.

If your cat has any illness, long-term or even short-term, you want to make sure you can cover the vet bill.

Related: 10 Things You Must Know Before You Buy Pet Insurance

If your cat has been diagnosed with kidney disease, which is extremely common in older cats, the vet bill can be more than $5,000.

And your cat will need continuous treatment for the rest of his or her life.

By having pet insurance, your bills can be reimbursed up to 90% of the total, which can be a financial and emotional relief.

common cat health problems

A solid, comprehensive pet insurance policy will cover the treatment of any condition or illness as well as the cost of the diagnosis and any testing that occurs.

We always recommend enrolling in pet insurance when your cat is a kitten and before kidney disease or any other condition becomes pre-existing.

Certain cat breeds are pre-disposed to some hereditary and congenital conditions that are inherent in that breed.

Another reason to get pet insurance! If you need a little primer on how pet insurance works, this should answer most of your questions.

Below is a list of just some of the common health conditions that can occur with your cat along with the typical cost of the treatment:

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Common Cat Health Problems

  • Arthritis $50 to $500
  • Cancer $5,000 to $25,000
  • Cystitis – $150 to $5,000
  • Declawing
  • Dental Problems – $300 to $1,400
  • Diabetes – $50 to $100 a month
  • Diarrhea – $50 to $150
  • Drooling – could be a sign of a more serious problem
  • Ear Mites – $150 to $200
  • Ear Infection – $250 to $1,000
  • Eye Infection – $75 to $150
  • FIV(Feline Immunodeficiency Virus) – $500 to $1,000
  • FLV(Feline Leukemia Virus) – $1,000 to $5,000
  • Fleas – $50 to $150
  • Glaucoma – $500 to $5,000
  • Gum Disease – $400 to $1,000
  • Hypoallergenic
  • Hypothyroidism – $50 to $100 a month
  • Hyperthyroidism – $75 to $100 a month
  • Injured Paw –  $150 to $500
  • Heartworm – $175 to $500
  • Kidney Disease – $1,000 to $15,000
  • Overweight / Obesity $75 a month – prescribed food
  • Rabies – $75 to $500
  • Ringworm – $175 to $500
  • Upper Respiratory Infection – $500 to $1,000
  • Urinary Tract Infection – $500 to $10,000
  • Urinary Crystals – $500 to $1,500
  • Vomiting

If you think your kitten or cat is suffering from any of these health conditions, make sure to take your cat to the vet for testing, diagnosis, and the best treatment for your cat.

Now you can see why pet insurance is so important and why it’s best to enroll before your cat gets hurt or sick.  If you continue to wait, your pet could experience health problems as they get older.

Our list of the top cat insurance companies can help you get started.


Other articles you may find helpful: 


Best Pet Insurance Companies

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds


We have worked hard to provide you with all the free resources possible to help give you insight into the best pet insurance for cats, additional cat breeds info, common cat health issues, and a fun look at frequently asked cat questions


Learn more about common cat health problems:

Arthritis in Cats, Cancer in Cats, Declawing Cats, Diabetes in Cats, Eye Infection in Cats, Hypoallergenic Cats, Hyperthyroidism in Cats, Overweight Cats, Vomiting Cats


We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Written by Melanie Musson
Published Insurance Expert Melanie Musson

Dr Pippa Elliott BVMS, MRCVS is a veterinarian with over 30 years experience in companion animal practice. In 1987 she graduated from the University of Glasgow, with a degree in veterinary medicine and surgery. A love of the sea meant accepting her first job in the port town of Portsmouth, England. A fter working in private practice for two years, her next position was as a vet at the People’...

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Reviewed by Dr. Pippa Elliott BVMS, MRCVS
Veterinarian Dr. Pippa Elliott BVMS, MRCVS