13 Leading Pet Insurance for Cats: Find the Best Fit for 2024

Pet insurance is an essential investment for cat owners, offering peace of mind and financial protection when your feline friend faces unexpected health issues. In 2024, numerous pet insurance providers are available, each with unique offerings. This guide evaluates 13 of the top pet insurance providers, helping you choose the best policy for your cat.

 

1. Pets Best

 

 

• Materials: Pets Best offers comprehensive coverage with customizable options, including accident and illness plans, wellness add-ons, and routine care. Policies cover vet exams, surgeries, prescriptions, and even alternative therapies.
• Benefits: Pets Best stands out for its flexibility with deductible choices, ranging from $50 to $1,000, and no upper age limit for enrollment. They also offer quick claims processing and the ability to choose any licensed vet in the U.S.
• Price Range: Monthly premiums start around $20 to $50, depending on coverage options.
• Pros: Flexible deductible, no age restrictions, broad coverage.
• Cons: Limited coverage for pre-existing conditions.

 

2. Embrace

 

• Materials: Embrace provides accident and illness coverage, including genetic conditions, cancer treatments, and dental illnesses. Their unique Healthy Pet Deductible rewards you for keeping your pet healthy by reducing your deductible by $50 for each year without a claim.
• Benefits: Embrace offers a 10% discount for multiple pets and a diminishing deductible program. Their wellness plan covers routine care like vaccinations and grooming.
• Price Range: Premiums range from $30 to $60 per month, depending on the plan.
• Pros: Diminishing deductible, wellness plan options, multi-pet discount.
• Cons: Limited coverage for older pets.

 

3. ManyPets

 

• Materials: ManyPets offers extensive accident and illness coverage, including vet exams, surgery, hospitalization, and prescription medications. They also provide an optional wellness plan for preventive care.
• Benefits: ManyPets is known for its short waiting periods—just 15 days for illnesses and 24 hours for accidents. They cover chronic conditions and offer a flexible reimbursement rate of up to 100%.
• Price Range: Monthly premiums are typically between $25 and $55.
• Pros: Short waiting periods, high reimbursement rates, wellness options.
• Cons: Limited availability in some states.

 

4. Figo

 

• Materials: Figo offers comprehensive accident and illness coverage, including emergency care, surgeries, and hereditary conditions. They also provide wellness plans for routine care.
• Benefits: Figo’s standout feature is its 1-day waiting period for accident coverage, one of the shortest in the industry. Their policies also include 100% reimbursement options and no lifetime limits on payouts.
• Price Range: Premiums range from $30 to $70 per month.
• Pros: Fast accident coverage, no payout limits, 100% reimbursement available.
• Cons: Wellness coverage is an additional cost.

 

5. AKC Pet Insurance

 

 

• Materials: AKC Pet Insurance covers accidents, illnesses, and hereditary conditions. They offer a wide range of add-ons, including wellness coverage, exam fees, and alternative therapies like acupuncture.
• Benefits: AKC’s customizable plans allow you to tailor coverage to your cat’s specific needs. They offer a 5% discount for insuring multiple pets and coverage options for cats as young as 8 weeks.
• Price Range: Monthly premiums typically fall between $25 and $60.
• Pros: Customizable add-ons, multi-pet discount, covers young kittens.
• Cons: Wellness coverage is not included in base plans.

 

6. Healthy Paws

 

• Materials: Healthy Paws offers accident and illness coverage, including surgeries, emergency care, and prescription medications. Unlike many competitors, they offer unlimited annual coverage with no caps on payouts.
• Benefits: Healthy Paws is known for its simple, straightforward plans and relatively low costs. They also offer fast claims processing and cover hereditary conditions with no limits.
• Price Range: Premiums range from $30 to $55 per month.
• Pros: Unlimited annual coverage, fast claims processing, no payout caps.

 

7. Nationwide

 

• Materials: Nationwide offers a range of plans, including accident, illness, and wellness coverage. Their Whole Pet with Wellness plan covers everything from surgeries to vaccinations and even behavioral treatments.
• Benefits: Nationwide provides comprehensive coverage that includes wellness care, making it a one-stop solution for all your cat’s needs. They also offer a 5% discount for multiple pets.
• Price Range: Premiums range from $35 to $70 per month.
• Pros: Comprehensive coverage, wellness included, multi-pet discount.
• Cons: Higher premiums compared to basic plans.

 

8. Trupanion

 

• Materials: Trupanion provides accident and illness coverage, including hospital stays, surgeries, and prescription medications. They also cover hereditary and congenital conditions.
• Benefits: Trupanion is unique in offering direct payments to vets, eliminating the need for reimbursement claims. They have no payout limits and offer a 90% reimbursement rate.
• Price Range: Monthly premiums range from $30 to $65.
• Pros: Direct vet payments, no payout limits, 90% reimbursement.
• Cons: No wellness coverage, higher premiums.

 

9. Pumpkin

 

• Materials: Pumpkin offers accident and illness coverage, as well as preventive care options. Their plans cover alternative therapies, dental illnesses, and even behavioral issues.
• Benefits: Pumpkin’s holistic approach to pet insurance ensures that all aspects of your cat’s health are covered. They also offer a 90% reimbursement rate and no upper age limit for enrollment.
• Price Range: Premiums range from $25 to $60 per month.
• Pros: Holistic coverage, 90% reimbursement, no age limits.
• Cons: Wellness coverage is an additional cost.

 

10. Spot

 

 

• Materials: Spot offers accident, illness, and wellness coverage, with options to add or remove specific benefits based on your needs. They cover surgeries, hospital stays, and alternative treatments.
• Benefits: Spot’s flexibility allows you to tailor coverage to your budget and your cat’s needs. They offer 90% reimbursement options and no lifetime limits on payouts.
• Price Range: Monthly premiums range from $20 to $60.
• Pros: Flexible coverage, no payout limits, 90% reimbursement available.
• Cons: Wellness coverage is not included in base plans.

 

11. Petsure

 

• Materials: Petsure specializes in covering chronic conditions, with plans that include accident and illness coverage, as well as ongoing treatments for long-term health issues.
• Benefits: Petsure’s focus on chronic conditions ensures that your cat is covered for the duration of any long-term illness. They also offer a 90% reimbursement rate and no upper age limit for enrollment.
• Price Range: Premiums range from $25 to $55 per month.
• Pros: Excellent for chronic conditions, 90% reimbursement, no age limits.
• Cons: Limited availability in some regions.

 

12. ASPCA Pet Insurance

 

• Materials: ASPCA offers basic accident and illness coverage, including surgeries, hospital stays, and prescription medications. They also provide wellness plan options for preventive care.
• Benefits: ASPCA’s straightforward plans are easy to understand and provide essential coverage for your cat. They also offer a 10% discount for multiple pets.
• Price Range: Monthly premiums range from $20 to $50.
• Pros: Simple coverage, wellness options, multi-pet discount.
• Cons: Limited coverage for older pets.

 

13. Lemonade

 

• Materials: Lemonade offers affordable accident and illness coverage, including surgeries, hospital stays, and prescription medications. They also provide wellness plan options for preventive care.
• Benefits: Lemonade is known for its competitive pricing and user-friendly app that makes managing your policy easy. They offer a 90% reimbursement rate and quick claims processing.
• Price Range: Premiums start as low as $10 to $40 per month.
• Pros: Affordable premiums, user-friendly app, 90% reimbursement.
• Cons: Limited coverage options compared to competitors.

 

How to Choose the Right Pet Insurance for Your Cat

 

When selecting pet insurance for your cat, consider factors like coverage limits, deductible options, and waiting periods. Assess your cat's age, health history, and potential risks. It’s also essential to compare the overall cost of premiums and ensure that the policy covers necessary treatments and services.  

 

Average Pet Insurance Costs

 

The average cost of pet insurance for cats typically ranges from $20 to $50 per month, depending on the coverage options selected. Comprehensive plans with wellness coverage can cost more, while basic accident and illness plans are more affordable.

 

Tips for Selecting a Policy

 

• Determine Coverage Needs: Assess your cat's health history and any potential risks.
• Compare Plans: Look for policies that offer the best coverage for your budget.
• Consider Waiting Periods: Shorter waiting periods are ideal for immediate coverage.
• Check for Discounts: Many providers offer discounts for multiple pets or healthy pets.