Top 10 Cat Insurance in USA

Looking for the top 10 best cat insurance in the USA? We’ve compared top providers to help you find the perfect coverage for your furry friend. Get a quote today!

Top 10 Cat Insurance in USA

Owning a cat can bring a lifetime of joy and companionship. But unexpected vet bills can quickly turn into a financial burden. Cat insurance can help you manage these costs by covering accidents, illnesses, and even routine care depending on the plan you choose.

Finding the right cat insurance can feel overwhelming with many companies and available options. This guide will explore the top 10 cat insurance providers in the USA, highlighting their strengths and what makes them a good fit for different cat owners. We’ll consider factors like coverage options, reimbursement rates, customer service, and affordability to help you find the best plan to keep your feline friend purring with happiness and good health.

Importance of Cat Insurance

  • Unexpected Vet Bills: Accidents and illnesses can happen anytime. Cat insurance helps offset the financial burden of surgeries, medications, and other treatments.
  • Peace of Mind: Knowing your cat’s health is financially protected allows you to focus on their well-being without worrying about the cost.
  • Early Detection and Treatment: Insurance often encourages preventive care, leading to early detection of potential health issues and better treatment outcomes.

Top 10 Cat Insurance Providers in the USA

Here are the top 10 cat insurance providers in the USA

Pets Best

Pets Best Known for their flexible plans and variety of coverage options, Pets Best allows you to customize a plan that fits your budget and your cat’s needs. They offer accident-only coverage, accident and illness coverage, and wellness plans that cover preventative care.


Embrace is a good option for pet parents looking for multiple ways to save on their cat insurance. They offer discounts for enrolling multiple pets, young cats, and military members. Embrace also has a wide range of coverage options and customization possibilities.


Spot provides straightforward accident and illness coverage plans with clear waiting periods. They offer a user-friendly mobile app for easy claim submission and tracking.


Lemonade is a relatively new pet insurance company known for its transparent pricing and commitment to charitable giving.  Their accident and illness plans are customizable with add-on options for wellness coverage.

ASPCA Pet Insurance

ASPCA Pet Insurance Backed by the American Society for the Prevention of Cruelty to Animals (ASPCA), this company offers comprehensive accident and illness coverage plans.  They also have a wellness add-on option and are known for their broad coverage.


Figo is a popular choice for cat owners because they focus exclusively on feline health insurance. They offer accident-only and accident and illness coverage plans with wellness add-on options.


Nationwide offers accident and illness coverage plans for cats of all ages and breeds. They also have a wellness add-on option and are known for their coverage of exotic pets.

Healthy Paws

Healthy Paws is a good option for cat owners looking for a high-reimbursement accident and illness insurance plan. They offer one accident and illness plan with avariousdeductible and reimbursement level options.


Trupanion is another good option for cat owners who want a high-reimbursement accident and illness insurance plan. They offer unlimited lifetime coverage for covered conditions.

Hartville Pet Insurance

Hartville Pet Insurance offers accident and illness coverage plans with avariousdeductible and reimbursement level options. They are known for their affordable rates and lifetime coverage options.

Remember, the best cat insurance provider for you will depend on your individual needs and budget. Consider factors such as your cat’s age, breed, and health history, as well as your desired level of coverage and your budget when making your decision.

Factors to Consider When Choosing Cat Insurance

  • Coverage: Accident & illness coverage is essential, but some plans offer add-ons for wellness care, behavioral therapy, or rental care.
  • Deductible: This is the amount you pay upfront before the insurance kicks in. Lower deductibles typically mean higher premiums, and vice versa.
  • Reimbursement Rate: This is the percentage of covered vet bills the insurance company reimburses you for. Aim for a high reimbursement rate (around 80% or more).
  • Annual Coverage Limit: This is the maximum amount the insurance company will pay out per year for covered expenses. Choose a limit that reflects your cat’s age and potential health risks.
  • Pre-existing Conditions: Most plans exclude pre-existing conditions, so consider enrolling your cat when they’re young and healthy.
  • Customer Service: Look for companies with a good reputation for responsiveness and helpfulness when dealing with claims.


Is cat insurance worth it?

Cat insurance can be a lifesaver if your cat gets sick or injured. Unexpected veterinary expenses can be high, and insurance can help manage those costs.

How much does cat insurance cost?

The cost of cat insurance depends on several factors, including your cat’s breed, age, location, and the type of coverage you choose. Generally, expect to pay between $10-$50 per month.

What does cat insurance typically cover?

Most cat insurance plans cover accidents, illnesses, surgeries, diagnostics, and hospitalization. Some plans may also offer wellness benefits like routine check-ups and vaccinations.

What doesn’t cat insurance cover?

Pre-existing conditions, routine care (unless a wellness plan is included), cosmetic procedures, and behavioral problems are typically not covered.

When should I get cat insurance?

Enrolling your cat when they’re young and healthy typically offers lower premiums.  Pre-existing conditions are excluded by most insurers, so early enrollment is ideal.

How do I file a claim?

Most insurers allow online or app-based claim submissions.  Keep receipts for covered treatments and follow your provider’s claim process.

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