Pet insurance for cats
Cats often live long lives, so how a plan handles chronic conditions and rising age matters. Compare plans using your cat’s age, breed and ZIP code.
What cat owners should compare
- Age at enrollment: enrolling a young, healthy cat keeps the most options open.
- Dental and chronic-condition coverage: both are common reasons for repeat vet visits in cats.
- Accident-only versus accident-and-illness: indoor cats still face illness and accidents like swallowed objects.
- Annual limit and reimbursement: check how each plan pays on larger bills.
Popular cat breeds
Frequently asked questions
How much does pet insurance cost?
Price depends on your pet’s species, breed, age, and location, and on the plan you choose: deductible, reimbursement percentage, and annual limit. Younger pets usually cost less to insure than older pets. The only way to know your price is to compare estimates for your pet, then confirm the final quote with the insurer.
What does pet insurance cover?
Accident-only plans generally cover injuries such as broken bones or swallowed objects. Accident-and-illness plans add covered illnesses such as infections, allergies or cancer. Optional wellness add-ons can reimburse routine care such as vaccines and checkups. Coverage for dental, prescriptions, exam fees and alternative therapies varies by plan.
Is pet insurance worth it?
It depends on your finances and risk tolerance. Insurance can reduce the impact of an unexpected, expensive vet bill, but it costs money every month whether or not you make a claim. A useful test: could you comfortably pay a large emergency bill out of savings? If not, coverage may deserve a closer look.
Does pet insurance cover pre-existing conditions?
Generally no. A pre-existing condition is one your pet showed signs of, or was diagnosed with, before coverage began or during a waiting period. Some insurers treat certain curable conditions differently after a symptom-free period. Read the policy definition carefully before you enroll.
Keep reading
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