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 protect your (mostly) self-sufficient feline in the event of illness, accident, injury, and aging-related health concerns. Pet insurance also covers the owner if you find yourself in a tight financial spot (and who hasn’t found themselves a little strapped for cash before?).
- How Does Cat Insurance Work?
- Best Cat Insurance
- Common Health Issues For Cats (Video)
- Get A Price Quote For My Cat
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The company will then send you a reimbursement check (or direct deposit), minus your pre-arranged deductibles. Companies base their claim reimbursement on:
- Your policy details and exclusions
- Type and cost of procedure performed
- The allowance per procedure on your policy
Reimbursement times vary by each insurance company, but most reimburse you within 10 days.
Below are our winners for best pet insurance for cats based on various factors ranging from price and coverage options to reimbursement rates and customer service.
We love that Figo offers so many options, which is why we chose them as our #1 pick. Customers can customize their policy based on deductible, reimbursement percentage, and coverage amount, allowing you to customize your plan to meet your budget. They cover periodontal disease, which is especially important for cat owners since 80% of felines over the age of three have periodontal disease.
Figo has consistently low price quotes (in our experience), comprehensive coverage, and it’s one of the only pet insurance companies 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 two-year-old, mixed breed cat from Washington D.C. came in at $19.04 a month for unlimited coverage with a $250 deductible and an 80% reimbursement rate.
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 offer unlimited lifetime benefits for your cat with no cap. They also have a reputation for excellent customer service.
Healthy Paws also weighs in with a reasonable quote of $20.70 per month (based on a two-year-old mixed breed kitty from Washington D.C.) with a $250 deductible and 80% reimbursement.
Pets Best is our third pick because of its generally low prices, multiple options for customer support, and detailed coverage. Pets Best is consistently among the least expensive options when it comes to cat insurance. Unfortunately, claim repayment is taking much longer recently (averaging 25-40 days) due to an increase in customers and not enough personnel. However, Pets Best is actively working to hire and train new employees to help get claim repayment back to a more reasonable time.
A two-year-old, mixed breed cat from Washington D.C. can have coverage that includes a $250 deductible, 80% reimbursement, and an unlimited annual maximum for $22.52 per month.
Consider getting cat insurance while your cat is young. As your cat ages, it is more likely they may contract one of these common illnesses, which would then be characterized as a preexisting condition for an uninsured pet.
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. Companies generally split these two amounts into two allowances, with the amount for radiation being much higher than 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. Companies usually list the co-payment as a percentage. For example, 80/20 means that the insurance company will cover 80% of the remaining balance after paying your deductible, leaving you to pay the remaining 20%.
- Code: The word “code” is listed on your schedule of benefits with most vet insurance companies. Underneath this term, you’ll 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 that 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 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 companies will not cover any ongoing condition your dog or cat was diagnosed with before being covered by their policy in future claims. However, some companies will cover pre-existing conditions if they’ve been “cured” after a set time. Check your policy for this possible exception.
- 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 company’s cost limit for primary diagnostic testing. Providers generally make this allowance per bodily system. In many cases, this benefit limit does not extend to specialized diagnostic tests.
- Schedule Of Benefits: The document provided to you when you sign up for your pet insurance policy. This document outlines conditions that the company covers under your plan and the monetary allowance provided for each diagnosis.
- Secondary Diagnosis or Condition: If the vet treats your pet for a second condition resulting from a primary diagnosis, the benefits listed as a secondary diagnosis or condition will provide coverage. This secondary condition will receive financial reimbursement in addition to the primary diagnosis or condition.
Rather than taking our word for it, run price quotes with a handful of highly recommended companies by completing one short form. It will give you a better understanding of the costs and reasons to consider pet insurance as a good investment for your cat.
If you aren’t 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 three picks), be sure to read our pet insurance reviews.
Which cat insurance company are you considering for your pet?