How Much Is Cat Insurance?

What determines the cost of cat insurance, including age, breed and indoor or outdoor lifestyle, and how to compare estimates for your cat.

By FurrChoice Editorial Team Last updated

What affects cat premiums

Age is a major factor, and some insurers also consider breed. Your ZIP code matters because local vet costs differ.

Typical price ranges

[DATA VERIFICATION REQUIRED: cite a current named source for cat premium ranges before publishing figures.]

Indoor cats

Indoor cats still face illness, dental disease, urinary conditions and accidents like swallowing a string or toy. Whether accident-only or accident-and-illness coverage suits your cat depends on your risk tolerance and budget.

Compare on equal settings

To compare fairly, hold the deductible, reimbursement rate and annual limit constant across providers, then look at differences in dental, prescription and exclusions.

Sources and further reading

This guide explains general industry practice. For the terms that apply to you, rely on the policy documents from each insurer you consider and on the consumer resources published by your state insurance department. Additional cited sources: [DATA VERIFICATION REQUIRED]

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.

Are the prices on this site real quotes?

Prices shown during comparison are estimates based on the information you enter. Your final price is set by the insurance provider and can differ once they confirm details about your pet. We label estimates and actual quotes separately.

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