Best Cat Insurance 2020: Who’s The Pick Of The Litter?

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They say cats have nine lives, but if you love your little purr-baby, it’s probably not best to test that theory.

Cat insurance is a great way to ensure that your (mostly) self-sufficient feline is protected in the event of illness, accident, injury and even aging-related health concerns. Pet insurance also protects the owner, in case you find yourself in a tight financial spot (and who hasn’t found themselves a little strapped for cash before?).

Article Overview

How Does Cat Insurance Work?

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 Most pet insurance companies require you to pay your pet’s vet costs upfront. After paying your vet bill, you’ll then send the insurance company an itemized receipt and all required claim forms. The company will then send you a reimbursement check, minus your pre-arranged deductibles. These deductibles are based on: a) your policy details and exclusions, b) type and cost of procedure performed, and c) the allowance per procedure on your policy. Reimbursement times vary by each insurance company, but the average is 4 weeks.

Best Cat Insurance Providers

Below are our winners for best pet insurance for cats based on a variety of factors ranging from price and coverage options to reimbursement rates and customer service.

Healthy Paws Review


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Healthy Paws was a clear choice for first in feline insurance based on their well-rounded performance. Healthy Paws has an annual deductible, reimburses up to 90% of the actual vet bill post-deductible, covers all accidents, illnesses and hereditary conditions (so long as they weren’t pre-existing), and they’ll never place a number on any of your claims. This means unlimited lifetime benefits for your cat with no cap.

As if that’s not enough, Healthy Paws also weighs in with a more than reasonable quote of $12.63 per month (based on a four-year-old mixed breed kitty from Illinois) with a $250 deductible and 80% reimbursement.

Coupon Code

Use this link to receive the best price we can offer you and get a quote for your pet from Healthy Paws. You can also visit our dedicated Healthy Paws promotions page to discuss current discounts.

Pets Best Review


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Pets Best is our second pick because of their generally lower prices, reasonable claim repayment and multiple options for customer support. Pets Best is consistently one of the least expensive options when it comes to cat insurance. They typically pay claims within 8 days, and they offer multiple forms of customer service, so you’re bound to reach them one way or another.

A four-year-old, mixed breed cat from Illinois can have coverage that includes a $250 deductible, 80% reimbursement and an unlimited annual maximum for $18.64 per month.

Coupon Code

Pets Best offers two discounts that you may be eligible for when you use this link:
  • 5% multi-pet discount
  • 5% discount for military members and their families
You can also visit our dedicated Pets Best promotions page to discuss current offers.

Figo Review


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We love that Figo offers so many options, which is why we chose them as our #3 pick. Customers can customize their policy based on deductible, reimbursement percentage and coverage amount. They cover periodontal disease, which is especially important for cat owners since 80% of felines over the age of 3 have periodontal disease.

Figo earned a spot in our top three due to its consistently low price quotes, comprehensive coverage, and it’s the only pet insurance company we review with a 100% reimbursement option.

You won’t know the actual price for your feline until you run quotes from multiple companies. One quote we ran on the Figo website for a four-year-old, mixed breed cat from Illinois came in at $16.92 a month for unlimited coverage with a $250 deductible and an 80% reimbursement rate.

Coupon Code

Our readers have access to an exclusive 5% off a new Figo pet insurance policy - just use this link to get started.

Common Cat Health Issues

Be sure to get cat insurance before these common illnesses occur with your kitty.


Now that we’ve covered the important stuff, we want to arm you with an extra bit of knowledge. Here are a few need-to-know terms to help you navigate policy jargon when looking for your purr-fect cat health insurance policy.

  • Chemotherapy and Radiation Treatment Allowance: The schedule of benefits will also list the maximum reimbursement limit for chemotherapy and radiation treatments as they apply to specific conditions. These two amounts are generally split into two allowances with the allowance for radiation being much higher than that of chemotherapy.
  • Co-Payment: Just as it applies to human insurance, the co-pay is the amount of out-of-pocket expense you must cover per incident after your deductible. The co-payment is usually listed as a percentage, for example, 80/20 means that the insurance company will cover 80% of the remaining balance after your deductible is paid and you must pay the remaining 20%.
  • Code: The word “code” is listed on your schedule of benefits with most vet insurance companies. Underneath this term, you will see a number listed. This is the “code” the company uses to identify the diagnosis given to your pet.
  • Deductible: The deductible is the amount of money you must pay out of pocket before you receive reimbursement from your pet’s insurance plan.
  • Exclusions: Exclusions are items which are not covered by your pet insurance policy, this can include: pre-existing conditions, certain musculoskeletal disorders, congenital disorders, hereditary disorders, intentional injuries caused by you or your family and elective or cosmetic procedures. Read your policy for exact exclusions.
  • General Anesthesia Allowance: On the schedule of benefits, companies will also outline the maximum limit for general anesthesia costs as they apply to specific conditions.
  • Incidents: The term incident refers to the condition that is causing you to visit the veterinarian. Chronic conditions, such as skin allergies, are considered to be a single incident even if you pay your veterinarian multiple visits.
  • Pre-Existing Conditions: Every major pet insurance company excludes pre-existing conditions from their coverage. This means that any ongoing condition your dog or cat was diagnosed with before being covered by their policy will not be covered in future claims. However, some companies will cover pre-existing conditions if they’ve been “cured” after a set time. Check your policy to see if this is mentioned.
  • Primary Diagnosis or Condition: This term will appear on your schedule of benefits and refers to the financial limit that the company places on a primary diagnosis or condition, which includes injections, hospitalization, exams, surgery and treatment.
  • Primary Diagnostic Testing Maximums: This term also appears on your schedule of benefits and refers to the cost limit the company places on primary diagnostic testing. This allowance is generally made per bodily system. In many cases, this benefit limit does not extend to specialized diagnostic tests.
  • Schedule of Benefits: The document that’s provided to you when you sign up for your pet insurance policy. This document outlines conditions that are covered under your plan and the monetary allowance you’re provided for each diagnosis.
  • Secondary Diagnosis or Condition: If your pet is treated for a second condition that occurs as a result of the primary diagnosis, it will be covered under the benefits listed as a secondary diagnosis or condition. This secondary condition will receive financial reimbursement in addition to the primary diagnosis or condition.

Get Cat Insurance Quotes

Rather than taking our word for it, run price quotes with top recommended companies when you complete just one short form to get a better understanding of why pet insurance is a good investment for your cat.

If you aren’t so sure whether you need pet insurance, read our Is Pet Insurance Worth It? overview. To learn about the other pet insurance carriers (beyond our top 3 picks), you should check out our pet insurance reviews.

Which cat insurance company do you trust most with your pet?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

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