Best pet insurance companies for cats
You have several quality pet insurance options to choose from when buying the best coverage for your cat. Learn more about some of the best pet insurance companies below.
Figo: Best for reimbursement
Figo offers an affordable cat insurance plan with coverage that includes holistic and alternative care, like acupuncture and chiropractic care. Cat parents can either design a custom plan or choose between three comprehensive plans that vary in annual and maximum lifetime benefits. Figo also provides optional vet exam fees and wellness coverages.
Figo offers reimbursement rates of 70%, 80%, 90%, and 100%, and you’ll only have to wait one day for coverage to kick in for injuries caused by an accident.
ConsDoesn’t cover most parasites
Doesn’t cover prescription food
Six-month waiting period for orthopedic conditions
Embrace: Best for multiple pets
Embrace’s accident and illness plan includes coverage for cancer and congenital and genetic conditions. The cat health insurance plan covers prescriptions, dental diseases, diagnostic testing, and more. Embrace also lets pet owners add a wellness plan for routine care, like spaying or neutering, annual checkups, and routine blood tests.
The insurer offers a 10% discount for policyholders with multiple pets. You can buy coverage for kittens as young as 6 weeks old. The accident and illness plan can cover cats until they turn 15, while the accident plan covers cats 15 and older.
Pros Multi-pet discount of 10%
Covers alternative therapies
Deductible can range from $100 to $1,000
ConsPets ages 15 and older only eligible for accident coverage
Prescription food not covered under accident and illness plan
Limit of $650 for wellness care through the wellness plan
Trupanion: Best for no payout limits
Trupanion offers a pet insurance policy with a $0 deductible option, but you can select a deductible of up to $1,000. The payout limit is uncapped.
Trupanion’s coverage includes hereditary and congenital conditions, hospital stays, surgeries, medications, advanced dentistry, and unexpected injuries. But you won’t find coverage for pre-existing conditions, exam visits, or wellness care.
Pros Option for $0 deductible
Pays your vet directly
No limits on payouts
ConsNo coverage for vet exam fees
Doesn’t offer routine care options
One-time administration fee to set up policy
Pets Best: Best for direct vet payments
Pets Best offers accident and illness plans that cover congenital, hereditary, and chronic conditions. The company also offers accident-only plans. Pets Best also includes coverage for prescriptions and dental diseases, which other companies may not. Add-on wellness plans are available and cover routine care like vaccinations, deworming, and FeLV screenings.
Pros Deductible ranges between $50 and $1,000
Coverage for congenital, hereditary, and chronic conditions
Company can pay vet directly if vet allows it
ConsNo parasite testing or treatment coverage
May be eligible only for an accident-only policy if your pet has severe pre-existing chronic conditions
No 100% reimbursement option
Spot: Best for senior cats
If you have a senior cat, Spot’s plans can reimburse you for 90% of eligible veterinary expenses. Spot plans also have no upper age limit for enrolling your cat, though the older your pet, the more you’ll likely pay for pet insurance coverage.
Spot offers a wide range of options for different deductibles, annual limits, and reimbursement rates, including unlimited coverage for your cat’s insurance plan. Pet parents can choose the best plan for their cat and make adjustments to these features to lock in a plan that suits their monthly budget. Coverage options include accident-only and accident and illness plans as well as an optional preventative care plan.
ConsWaiting period of 14 days
Company won’t pay vet directly
No 100% reimbursement rate option
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