Cat Insurance

5 Essential Steps for Choosing Cat Insurance

With their curiosity and penchant for getting into pretty much everything, cats may need a trip to the vet at any time. They can eat the wrong things, get into fights or suffer from feline asthma, bladder infections, chronic vomiting or any number of other conditions.

Cat health insurance gives you peace of mind by covering vet costs and medications that can exceed hundreds or even thousands of dollars. Luckily,choosing cat insurance that works for you is as easy as following these five simple steps:

1. Choose The Right Type of Reimbursement.

Cat insurance reimbursements are either made according to a set benefit schedule or as a percentage of your actual vet bill. Set benefit schedules give you a fixed amount per condition, no matter how much you actually pay. Percentage-based reimbursements give you a percentage of the covered costs. If you’re unsure about reimbursements, refer to our pet insurance comparison chart to see exact dollar amounts by company and plan.

Cat coverage tip: Review the costs that are covered by the percentage-based reimbursements; some plans do not cover basics like vet exams.

2. Check Out What’s Covered—And What’s Not.

Thoroughly review the specific types of accidents, ailments and conditions that the various available plans cover. The list of exclusions will tell you what is not covered; thus, for instance, few if any plans will cover pre-existing conditions, and you will also want to be certain that any conditions to which your breed of cat is especially susceptible are not left out.

Cat coverage tip: Find out whether the coverage of a given plan changes over the lifetime of your cat.

3. Review Coverage Levels.

Some plans offer only bare-bones coverage for accidents; others may include accidents along with illnesses, breed-specific conditions and even routine care. Figure out what works best for you and your cat and choose your plan accordingly.

Cat coverage tip: If you are seeking coverage for annual vet checkups and other routine care, select a plan that offers a wellness option.

4. Weigh The Price Against The Value.

A low monthly premium is important, but there are equally important factors when choosing a plan. Thus it may be worth paying a higher premium in order to ensure that you will receive everything you need for your cat. Obtain several of the free cat insurance quotes that are available online and compare the yearly cost with the amount that you can expect to pay per year for your breed’s medical care.

Cat coverage tip: Deductibles can increase or lower the value of a plan. Annual deductibles are paid once for each 12-month coverage period. Per-condition and per-incident deductibles are paid regardless of how many times you visit the vet.

5. Do Your Company Homework.

Use the internet to research a company’s background, reviews and track record to ensure the plans you are considering are issued by firms that have been around for at least a decade and that have a proven history of living up to their claims.

Cat coverage tip: Companies can pay to use the name of known organizations, even if that organization has nothing to do with the insurance. Pick a company that has established a good reputation and ignore any endorsements.

A final tip is to purchase your cat insurance plan as soon as possible. The longer you wait, the greater the chances that your cat will require medical care. And since pre-existing conditions are almost never covered, it is best to enroll cats when they are young and healthy. Start collecting and comparing quotes today.


  1. Reply
    bapdxpoet 02/12/2016 at 8:52 pm

    I’ve worked in veterinary medicine for over four years, specifically in Veterinary Cardiology. I cannot tell you how relieved I am when our clients walk through the door with an insurance form in their hands! Making decisions about your pet’s care is stressful enough without having to factor in financial concerns. A cardiac emergency can easily cost $1,200+ just to stabilize your furry friend! Additionally, only 1/3 of cats with heart disease will show any overt symptoms prior to acute onset.

    This was a very well-written article, and really lends clarity to the insurance selection process. I find a lot of our clients are confused or intimidated by the number of options available. And don’t forget: if you do get lost in the process, your veterinary office will be more than happy to talk to you about the companies they have worked with!

  2. Reply
    Bronwyn 02/22/2016 at 6:36 am

    After taking in a stray who kept wandering back to our doorstep, we later discovered she was pregnant. Although it came as an unexpected addition to our family collection of pets, we couldn’t just leave her out on the streets while expecting. I am strongly considering Cat Insurance now because with an unexpected litter of kittens on the way and no immediate plans for them, it will be useful to have something just in case they end up living with us. It is always better to be safe than sorry in these situations.

    I am glad this page was able to break down 5 simple steps when considering the options. Often it can be very overwhelming to make decisions regarding a family member that can’t actually respond to you! This page has been a great help to our family in our initiative to take action to help the new litter or the way.

    • Reply
      Fran 04/03/2016 at 3:50 pm

      Aww Bronwen that is so nice to hear that you have taken in the pregnant cat and plan to give the kittens the best care – bless you!

  3. Reply
    Louise Butler 03/20/2016 at 8:48 am

    Wow! This article on cat insurance was eye-opening. I had no idea that there were so many things to consider before choosing and insurance company and plan. My new little Russian blue kitten, Mimi, is my best friend and I want to get the best insurance for her. Before I read this article, I didn’t realize that some companies do not cover certain feline health issues. Russian blue cats are prone to kidney stones so thanks to your article I now know to make sure I choose a policy which covers kidney stone removal. I am on a budget and didn’t realize that the cheaper plans weren’t necessarily the best value. After reading this, I am more inclined to weigh price against value and realize that I may need to pay a bit more than I initially thought to get insurance which is better value for my kitten.

  4. Reply
    Momi Nul 03/20/2016 at 1:36 pm

    This was a very well-written article, and really gives quality to the plan procedure. I find a lot of our customers are puzzled or anxious by the number of alternatives. And don’t forget: if you do wander away in the procedure, your vet office will be delighted to consult you about the organizations they been employed with!I’ve worked well in vet medication for over four years, particularly in Veterinary Cardiology. I cannot tell you how treated I am when our customers move through the entrance with protection type in their hands! Choice about your pet’s care is traumatic enough without having to aspect in necessity. A center urgent can easily cost $1,200+ just to strengthen your fuzzy friend! In addition, only 1/3 of kitties with cardiovascular illness will show any obvious signs prior to serious beginning.

  5. Reply
    comment_blog 03/22/2016 at 10:50 pm

    It deals with cat insurance issue, i do not cat. But i love hearing about it. The article is okay and good to read about.

  6. Reply
    asmaa303 03/23/2016 at 2:58 pm

    very useful article and that will achieve high care to my cat

  7. Reply
    Fran 04/03/2016 at 2:48 pm

    So many people overlook insuring their cat. My friend has two lovely cats and they have had their fair share of going to the vet even though they are a few years old only – get insured!

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