Best Pet Insurance for Cats

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Top 5 Best Pet Insurance for Cats

Whether it is cuddling next to you in bed, greeting you when you come home, or bringing a “present” to your front door, everything your cat does fills you with joy. But your little adventurer has a knack for getting into trouble, and the threat of a large vet bill is constantly looming. Not to worry though. With our list of the Best Insurance for Cat Owners you will never have to stress about vet bills ever again.

These companies provide a good mix of comprehensive add-ons and high coverage limits. No matter what type of insurance you want the companies on this list can provide it for you.

ASPCA

Rating:

7.6/10

Starting at: $21.00 /mo

For cats, monthly cost will be around $7.50 for Level 1, $16 for Level 2, $23 for Level 3, and $35 for Level 4.

*Sample prices are based on a 2 year old mixed breed pet from Michigan with a $250 deductible and 80% reimbursement level.

The ASPCA is synonymous with pet care. By breaking into the pet insurance industry in 2004, they took their storied history as the oldest human society in North American and modernized in order to continue to protect pets today.

With no annual limits, 4 fantastic add-on options, and extremely flexible coverage, ASPCA will provide you with the best insurance possible for your cat. The offer great prices as well, which helps solidify them as the best insurance option for cat owners.

A Few Details about this Insurer:

Purchasing insurance from the ASPCA will cost owners and average of $21/month. This is taken as an average from the 4 levels of plans they offer.

Deductables: $100, $250, $500	Per Incidence Limits:
Co-Pay Coverage: 70%, 80%, 90%	Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks	LifeTime Claims Limits: $2,500, $5,000, $10,000, $15,000, $20,000, $25,000, No Limits
Maximum Enrollment Age: None	Effective Date: 1st and 15th of the Month (after payment)

Travel with Your Pet? The ASPCA provides a complimentary 27/7 hotline with all of their plans that provides help to customers who are more than 100 miles away from home that can help fulfill prescription, provide veterinarian referrals, or arrange travel plans to bring a pet home.

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PetFirst

Rating:

8.4/10

Starting at: $25.00 /mo

Average price for cat owners is around $25 per month.

*Sample costs based on a 2 year old mixed breed from Michigan with a $250 deductible, 80% reimbursement level, and $10,000 annual limit.

PetFirst provides everything you could possibly want in insurance for your cat. They have no lifetime limits, low monthly premiums, and great add-on packages that cover wellness and vaccinations. One of their most attractive offers that separates them from other companies is a family package that allows customers to save up to 30% when they register 2 or more pets.

With PetFirst, you will be financially protected from any trouble your cat can get its paws into.

A Few Details about this Insurer:

Cat owners typically pay a monthly premium of $25 in order to receive insurance from PetFirst. However, you can also choose to pay on an annual basis, which PetFirst gives a discount for.

Deductables: $0	Per Incidence Limits: On Wellness Plans Only
Co-Pay Coverage: 70%, 80%, 90%	Annual Claims Limits: no limits
Minimum Enrollment Age: 8 Weeks	LifeTime Claims Limits: $2,000, $5,000
Maximum Enrollment Age: None	Effective Date: Midnight (EST) after enrollment

Afraid of coverage limits? PetsFirst has no lifetime limits, so you will never have to worry about losing coverage for your cat.

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Healthy Paws

Rating:

7.8/10

Starting at: $16.00 /mo

Cat owners should only expect to pay $16/month.

*Sample costs are based on a 2 year old mixed breed pet from Michigan with a $250 deductible and 80% reimbursement level

No wellness, no problem. HealthyPaws may not have a wellness plan, but what they do have is no per incident limits, no annual limits, and no lifetime limits. This means that you will always be covered no matter how often your cat gets hurt or how much your vet bill costs.

HealthyPaws unfortunately does not offer a wellness add-on to cover routine check-ups. Since we know you like to treat your cat like a princess, this prevented HealthyPaws from ranking higher on this list.

A Few Details about this Insurer:

It is almost unfair how low the cat insurance prices are with HealthyPaws. For only $16/month, you can have access to everything they offer.

Deductables: $100, $250, $500	Per Incidence Limits: No Limits
Co-Pay Coverage: 70%, 80%, 90%	Annual Claims Limits: no limits
Minimum Enrollment Age: 8 Weeks	LifeTime Claims Limits: No Limits
Maximum Enrollment Age: 14 Years	Effective Date: 12:01am the following day after enrollment

Want to buy from an ethical company? HealthyPaws has their own charity called “Every Quote Gives Hope”. They donate a portion of each payment to this company in order to help fund medical care for sheltered animals.

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Embrace

Rating:

8.4/10

Starting at: $22.00 /mo

Embrace only has 1 main plan, and it will cost cat owners $22/month.

*Sample price based on a 2 year old mixed breed male from Michigan with a $10,000 annual limit, $300 deductible, and 80% reimbursement level, with the "rx drug coverage" included as well.

Embrace is a great all around pet insurance provider that has no gaps in coverage. They offer customizable payment options, no annual limits, and very solid add-ons. They are also a company that is very open and helpful towards customers, which can be seen in their excellent customer service and legion of loyal customers.

In a world where too many things are overcomplicated Embrace will make sure that insuring your cat is as simple and stress free as possible. What more could you really ask for?

A Few Details about this Insurer:

Embrace only has 1 main plan, and it will cost cat owners $22/month. They also have an add-on called “Wellness Rewards” which can cost anywhere between $20-$50/month.

Deductables: $200, $300, $500, $1000	Per Incidence Limits:
Co-Pay Coverage: 65%, 80%, 90%	Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks	LifeTime Claims Limits: $5,000, $10,000, $15,000
Maximum Enrollment Age: 14 Years	Effective Date: Day after purchase

Love discounts? Embrace gives 5% discounts to pets who are already spayed or neutered, active members of the military, customers who pay on an annual rather than monthly basis, and to those who register more than 1 pet.

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PetsBest

Rating:

8.3/10

Starting at: $25.00 /mo

Cat owners can expect to pay around: $18/month for the "essential" plan, $22/month for the "plus" plan, and $32/month for the "elite" plan.

Pricing is based on 4 factors: Location, age, breed, and deductible and reimbursement level.

One of the biggest names in the industry, PetsBest is extremely professional and provides everything that an insurance company should. They have a great website, extremely helpful customer service, and plans that cover almost everything. Perhaps their most appealing option is the choice of a reimbursement level of 100%, which will make sure that you will never have to worry about the cost of veterinarian care again.

PetsBest also has one of the best wellness plans on the market. It covers everything from spaying/neutering, vet exams, flea control, and dental care. When combined with their main plans which covers all of the normal issues plus rehabilitative, acupuncture and chiropractic care, you can be guaranteed to reimbursement no matter what kind of treatment your beloved cat needs.

A Few Details about this Insurer:

PetsBest has 3 main plans that will cost a cat owner an average of $25/month. Additionally, their “BestWellness” add-on will cost $23.50/month. With these 2 plans combined, your cat will be safe from everything.

Deductables: $50, $100, $200, $250, $1000	Per Incidence Limits: No Limits, On Wellness Plans Only
Co-Pay Coverage: 70%, 80%, 90%	Annual Claims Limits: no limits
Minimum Enrollment Age: 7 Weeks	LifeTime Claims Limits: $2,500, $5,000, $10,000, No Limits
Maximum Enrollment Age: None	Effective Date: The day after purchase.

Planning a trip? PetsBest allows you to go to any licensed vet in the entire world, so feel free to take your cat on your next family excursion.

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PetsBest

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