Best Pet Insurance Companies for Cats (2024 Review)

Learn more: Spot Reviews

Spot offers a wide variety of plans, including multiple comprehensive wellness plans for cats. Spot’s wellness plans are offered in two packages and give them a significant edge over their competition. We like that it takes a holistic approach to health with coverage options for accidents, illnesses, and routine veterinary care. Spot is partnered with Cesar Millan, the famous dog trainer, and it shows in its approach to animal care. Spot has extensive coverage for behavioral issues, which many pet insurance providers don’t cover, and offers free online resources for pet parents to train their pets and prevent future problems.  

Spot’s insurance is provided by Crum & Forster Pet Insurance Group, a top-rated insurance provider that has been around since 2006. Overall, we like that Spot is backed by a strong insurer, offers a multi-pet discount, and has a strong focus on holistic health and behavioral care.

Spot offers both an accident-only and accident and illness plan for cats. Its accident-only plans start at $10 per month, while its complete coverage plans start at $16 per month. On average, you can expect to pay between $18 and $25 per month for your cat if you enroll it in a Spot pet insurance plan. We love that Spot offers a large amount of customization for its plan, including an annual limit choice of $2,500 to unlimited. It also offers multiple reimbursement rate choices, including 70, 80, and 90%. These options give cat owners a lot of control over the cost of their monthly premiums and how much coverage they want. 

In addition, Spot is well known for its multiple wellness plan options, which give cat owners financial support for routine veterinary care costs, such as wellness exams and vaccines. 

Spot’s gold plan is $9.95 per month and offers annual benefits of $250. Here is what’s included in its gold plan: 

• Dental cleaning $100
• Wellness exam $50
• Feline FVRCP vaccine/titer $20
• Rabies and or Feline FIP vaccine/titer $20
• Fecal test  $20
• Feline FELV test $20
• Deworming $20

Spot’s platinum plan is offered at $24.95 per month and has $450 in annual benefits. Here is what is included in its platinum plan: 

• Dental cleaning or spay/neuter $150
• Wellness exam $50
• Flea/heartworm prevention $25
• Feline FELV vaccine/titer $25
• Feline FVRCP vaccine/titer $20
• Feline FIP vaccine/titer $20
• Fecal test  $20
• Feline FELV test $20
• Blood test $25
• Urinalysis $25
• Deworming $20
• Health certificate $25

Learn more: ASPCA Reviews

ASPCA Pet Insurance is the result of a partnership between the respectable American Society for the Prevention of Cruelty to Animals and the top-rated Crum & Forster Pet Insurance Group. Its goal is to provide pet parents with a financial safety net so that they never have to worry about paying for necessary medical treatments for their pets. 

We love that ASPCA has an easy-to-use Member Center app, which allows you to make quick payments, submit and track claims, review your benefits, and contact its team easily. ASPCA also offers a generous multi-pet discount, many customizable coverage options, and a 30-day money-back guarantee. Other significant benefits include that ASPCA does not require an exam before enrollment, which saves you time and the hassle of taking your cat to the veterinarian before signing it up for a pet insurance plan. It also gives you the option to pay your premium monthly or annually and be reimbursed for claims through check or direct deposit.

ASPCA offers a variety of plans for cats, including a more affordable accident-only coverage plan option that will give you a financial safety net for the worst-case scenario without making a massive dent in your finances. All of ASPCA’s plans start 15 days after you enroll your cat in the policy, which is a pretty average waiting period for pet insurance. 

On average, ASPCA cat insurance will cost $29.16 per month for its accident and illness plan. This plan will cover accidents, such as broken bones, cuts, poisoning, and illnesses like diabetes, digestive problems, and dental disease. Although ASPCA offers dental coverage, we would like to note that it’s less extensive than other pet insurance providers that offer dental coverage. 

ASPCA also offers a preventative pet care plan for cats, with two options: its basic preventative plan and prime preventative plan. 

ASPCA’s basic preventative care plan includes the following:

• Dental cleaning
• Wellness exam
• Deworming
• FVRCP vaccine/titer
• Rabies or FIP vaccine/titer
• Fecal test
• FeLV test

Its prime plan includes everything above and coverage for a health certificate, FeLV vaccine, blood test, and urinalysis. Overall, the basic plan provides $250 in annual coverage, while the prime plan provides you with $450. ASPCA’s basic plan will cost $9.95 per month, and its prime plan will cost $24.95 per month. Both of these prices are in addition to your accident and illness plan premium. 

As a whole, we love ASPCA’s thorough preventative plan options, generous multi-pet discounts, and strong backing by a well-regarded insurance group. However, we don’t like that its plan stops at a $10,000 annual limit, but its accident-only and wellness plan options are great choices for pet parents.  

Learn more: Lemonade Pet Insurance Reviews

Lemonade pet insurance impresses us with its wide variety of pet insurance plans, affordable pricing, easy online interface, and many customization options. With Lemonade, you can easily customize your coverage limits, annual deductible, and reimbursement percentages. It also offers pet insurance coverage add-ons for specific treatments, like physical therapy and acupuncture. 

We also like that Lemonade has a fast claim approval process. Lemonade’s exclusive app uses artificial intelligence to process your claims, which decreases your wait time from several weeks to just minutes. Lemonade also has a heavy emphasis on giving back to the community. To date, it has given back over 2.3 million dollars to nonprofit organizations through its Giveback program. Any unclaimed money that policyholders don’t claim at the end of the year goes back to nonprofit organizations of their choosing, which is a unique feature to Lemonade pet insurance. 

Lemonade also offers renters and homeowners insurance on top of pet insurance, so you can create a custom insurance bundle to meet all your needs with one company. Our biggest dislike about Lemonade is that it doesn’t offer pet insurance for cats in 15 states currently, including Florida, Hawaii, Idaho, Alaska, Delaware, Kentucky, Kansas, Maine, Louisiana, Massachusetts, Minnesota, Vermont, South Dakota, West Virginia, and Wyoming.

Lemonade offers several cat insurance plans. Its first and primary cat insurance plan is a comprehensive accident and illness plan covering a wide variety of your cat’s health emergencies, ranging from heart disease to broken bones, poisoning, diabetes, skin conditions, and more. Like all pet insurance providers and plans, this plan will not cover pre-existing conditions, which are defined as any health condition that your pet had before your Lemonade plan became active. This plan will also not cover elective procedures and behavioral treatments. You can expect to pay around $15 per month for your cat, although some of its plans start as low as $10 per month. Your fee will depend greatly on your location, your cat’s age, and current health. 

On top of its accident and illness plan, Lemonade offers a preventative package add-on for cats. This plan can be added to your accident and illness plan but cannot be purchased independently. Lemonade’s cat preventative package is $10+/month and includes coverage for the following: 

• One annual wellness exam
• One fecal or internal parasite test
• One heartworm test
• One blood test 
• Vaccines (up to three)
• Medical advice chat

Lemonade also offers a special kitten preventative package, which is $34+/month, and includes coverage for: 

• Two wellness exams
• Two fecal or internal parasite tests
• One heartworm test
• One blood test 
• Vaccines (up to six)
• Medical advice chat
• Flea/tick or heartworm medication
• Routine dental cleaning
• Microchip
• Spay/neuter

In short, we love that Lemonade offers a comprehensive wellness package for both cats and kittens, as this gives pet owners more coverage for different points in their cat’s life. We also like Lemonade’s thorough accident and illness coverage and overall affordable pricing.

Learn more: Embrace Pet Insurance Reviews

Embrace pet insurance offers some of the most comprehensive coverage on the market. If you’re looking for true head to nose coverage for your cat, Embrace may be an excellent choice for you. On top of that, it offers a unique Healthy Pet Deductible that will reduce your deductible by $50 for each year that you don’t file a claim, which can save you money in the long run. Currently, Embrace is the only cat insurance company that offers this discount. We also like that it has many positive customer reviews, a 30-day money-back guarantee, and offers discounts for the military and pet owners with multiple pets. 

Embrace also offers some coverage for curable pre-existing conditions, which is almost unheard of in the pet insurance industry. Basically, if your cat has a pre-existing condition, such as an ear infection that can be fully cured, and your cat is shown to be symptom-free for a year, then this condition will no longer be considered pre-existing. Since the condition isn’t pre-existing anymore, your cat can receive coverage in the future for this condition through Embrace.

Embrace’s cat insurance plans average between $15 and $20 per month, making it slightly more expensive than most. However, it also offers more thorough coverage than most pet insurance providers, so this is a tradeoff that you may want to consider for your own peace of mind. 

Embrace’s cat insurance plan is an accident and illness plan that offers coverage for things such as medical emergencies, chronic illness care, dental illnesses, prescription medications, rehabilitation, cancer treatments, and more. It’s hard to find a pet insurance provider that offers more coverage for illnesses than Embrace, especially when you consider it offers up to $30,000 in annual reimbursement and up to a 90% reimbursement level for your cat’s claims. 

Embrace also offers a comprehensive wellness plan with three different tiers for cats. Each tier gives you a larger annual allowance than the next, which allows you to customize it based on your budget and how much coverage you want for your cat. Here are the three tiers: 

• $18.75/month = $250 allowance per policy year
• $35/42/month = $450 allowance per policy year
• $52.09/month = $650 allowance per policy year

Currently, its wellness plans offer coverage for the following: 

• Wellness exam fees
• Vaccinations & titers
• Flea, tick, & heartworm preventatives
• Spay/neuter surgery
• Fecal & routine blood tests
• Microchipping
• Nutritional supplements
• Grooming
• Medicated shampoos
• Toenail trimming
• Routine anal gland expression
• Wearable pet activity monitors
• Cremation or burial
• Gastropexy
• Preventative teeth cleaning
• Prescription diet food
• Training
• Routine chiropractic care
• Reiki, massage therapy, acupuncture
• Hip dysplasia exams, radiographs, or other OFA testing

Overall, we love that Embrace has comprehensive coverage that covers your pet for alternative therapies, dental care, prescription medications, prescription pet foods, and much more. Embrace’s coverage won’t leave you wanting more if you’re looking for complete coverage. On the other hand, it does come at a higher cost than many pet insurance providers, so keep that in mind as you weigh your options.

Learn more: Healthy Paws Pet Insurance Reviews

Healthy Paws pet insurance is an excellent choice for pet parents looking for pet insurance companies making a difference in the world. Healthy Paws has a huge emphasis on charitable giving and started a foundation in 2009, which has given back over a million dollars as of April 2020. It continues to donate with each pet insurance quote generated and has given to over 300 pet nonprofits to date. 

We love that Healthy Paws has unlimited maximum payouts, fast claims processing, and a 30-day money-back guarantee. It’s also underwritten by the Chubb Group, which is an A+ rated insurer that financially backs Healthy Paws. Healthy Paws also has a great mobile app, allowing policyholders to submit claims and receive reimbursement quickly. Healthy Paws can reimburse you as soon as 24 hours after your claim has been processed due to its mobile app. Like most pet insurance providers, Healthy Paws has a 15-day waiting period for accidents and illnesses. It also has a specific 12-month waiting period for ailments related to hip dysplasia, which is something to consider when enrolling with Healthy Paws. 

Healthy Paws has a straightforward cat insurance plan that helps keep things simple for cat owners looking for coverage. Its cat insurance plans start at just $8 per month and average $12 per month. All cats need to be signed up with a Healthy Paws pet insurance plan by their 14th birthday to be eligible for coverage. 

Healthy Paws’ pet insurance plan will cover accidents and illnesses, such as hereditary conditions, cancer, diagnostic tests, emergency care, alternative treatments, surgery, X-rays, and more. At this time, Healthy Paws does not offer an accident-only plan, so your only choice is its accident and illness coverage. However, we do like that its plans are very affordable compared to other options. 

Like all pet insurance providers, Healthy Paws’ plan will not cover pre-existing conditions. It also won’t cover any type of routine veterinary care because Healthy Paws does not offer a wellness plan or preventative care package. Unlike most of its competitors, Healthy Paws offers no wellness coverage or add-on to help with your cat’s regular veterinary care costs. Depending on what you are looking for, this can be a significant disadvantage to going with Healthy Paws over another provider. 

Customizable coverage options: 

Cats 5 years and under:

• 90, 80, and 70% reimbursement
• $100, $250, and $500 deductible

Cats 6 and 7 years old:

• 80, 70, or 60% reimbursement
• $250, $500, or $750 deductible

Cats 8 years and older: 

• 50 or 60% reimbursement
• $750 or $1,000 deductible

As a whole, Healthy Paws offers a great accident and illness plan at an excellent price point. However, it falls short when it comes to wellness plans or offering an accident-only plan. We also don’t love that its deductibles go up and its reimbursement percentages go down as your pet ages because this means that you’ll receive less money back for your older pet’s claims.

Learn more: Prudent Pet Insurance Reviews

One of our favorite aspects of Prudent Pet’s coverage is that it offers an ultimate plan, which features unlimited annual coverage. If its ultimate plan is more than you’re looking for, Prudent Pet also offers an accident-only insurance plan and a less extensive accident and illness pet insurance plan, which are more affordable options. In addition to its great customization, Prudent Pet also has a high customer satisfaction rating and an A+ rating from the Better Business Bureau. Trustpilot has even ranked it as the number one pet insurance provider. 

Like Lemonade, Prudent Pet processes its pet insurance claims with artificial intelligence, so its claim processing is faster than average. You can also choose to be reimbursed through a check or direct deposit.

Overall, Prudent Pet is one of our favorite pet insurance companies when it comes to thorough coverage, an unlimited annual coverage cap, and unique coverage. It also covers things that most pet insurance providers don’t, such as advertising and reward money for a lost pet or money for vacation cancellation fees, such as boarding fees, if your cat is injured or becomes ill.

Prudent Pet offers three primary accident and accident and illness cat insurance plans. 

Accident-Only Plan: Prudent’s accident-only cat insurance plan will cover your cat for up to $10,000 annually. Accident-only plans will provide you with coverage for accidents such as broken bones, poisoning, swallowed items, bite wounds, tooth injuries, and more. 

Essential Plan: Prudent’s Essential Plan is an accident and illness plan that provides your cat with coverage for everything in the accident-only cat insurance plan and developed illnesses. This could include illnesses such as diabetes, hip dysplasia, digestive diseases, cancer, stomachaches, infections, and more. Please keep in mind that this will not cover your cat for any pre-existing health conditions that it had before the waiting period was over and your insurance policy became active.  

Ultimate Plan: Prudent Pet’s ultimate plan has unlimited annual coverage and even offers reimbursement for advertising and reward money if you lose your cat. Other extras include boarding kennel fees, vacation cancellation fees, and mortality costs. Everything in the Essential plan is also covered within this plan. 

In addition to these plans, Prudent Pet also offers a comprehensive wellness plan which helps with routine care costs for cats. Its wellness plan offerings come in low, medium, and high tiers depending on the amount of coverage you want, which will cost anywhere from $7.95, $13.95, or $19.95, respectively. 

The following are included in Prudent’s wellness plans (depending on the tier you choose): 

• Wellness checkups (up to two per policy)
• Rabies vaccine
• DHLPP vaccine
• Bordetella or Lyme Disease vaccine
• Heartworm test or FELV screen
• Fecal exam
• Wellness blood screen
• Health certificate
• Microchip
• Deworming
• Dental cleaning or spay/neuter

Overall, we like that Prudent Pet offers so many types of plans at a wide range of prices, making its plans more attainable for more pet parents. We don’t like that its plans all have set coverage limits. However, Prudent’s unlimited coverage plan is a significant benefit for pet owners looking to cover their pets thoroughly.