Best Bengal Pet Insurance of 2022

Lisa Scott

Insuring your Bengal can help secure their long-term health and safety. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m


Coverage Up To


Reimbursement Rates


Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it for a Bengal?

Bengals are beautiful cats that love to stay active and curious. They make a great addition to any family and are very affectionate and friendly cats. It is critical to provide your Bengal cat with the right food and access to care so they can maintain their well-being.

While Bengals are a relatively healthy breed, they are predisposed to some genetic health conditions. In the event that they develop one of these genetic conditions, you will want to be able to provide them with medical care as soon as possible.

Insurance coverage for your Bengal is important in helping you be able to take care of them in several ways. This includes veterinary care, which can be expensive and the bills can add up quickly. You don’t want to be in a situation where you have to choose between your pet’s health and what you can afford. Pet insurance can alleviate the costs of your Bengal’s healthcare, and you can solely focus on your cat getting better.

Common health conditions for a Bengal

Like all breeds, Bengals are more susceptible to certain health conditions based on genetics. Some of the most common conditions your Bengal cat may be predisposed to include:

  • Patellar Luxation: Bengal’s kneecaps may slip off to the side, causing patellar luxation. Although this develops overtime, it can lead to significant issues with your Bengal’s movement and activity, especially if left untreated. In more severe cases, surgery is required.
  • Pyruvate Kinase Deficiency: this is an inherited disease caused by a deficiency in the pyruvate kinase enzyme, affecting blood cell production. Overtime, this can cause severe anemia resulting in other serious health issues.
  • Progressive Retinal Atrophy: this inherited disease causes Bengals to lose their sight overtime. This disease often occurs in the first few weeks of a Bengal’s life, causing them to go fully blind after a couple months.

What does pet insurance cover for a Bengal?

Depending on the pet insurance plan you sign up for, your Bengal could be covered for a range of health procedures. Most insurance providers offer plans that cover injury-only, illness-only, or a combination of injury and illness medical coverage. Some of the most common procedures covered by pet insurance include:

  • Blood tests and diagnostics: by doing a blood test and/or a diagnostic test, the veterinarian can determine which treatment is required for your Bengal cat.
  • Surgery and hospitalization: if your Bengal cat requires surgery to treat its medical condition, it will be covered under your pet insurance plan. Additionally, if your cat needs to be hospitalized before or after its surgery, your plan will cover the costs associated.
  • Torn ligaments and broken bones: if your Bengal cat gets injured or tears a ligament, your pet insurance coverage will help you pay for the costs associated with the treatment and aftercare.

While pet insurance helps to cover the cost of medical treatments, it may not cover every visit to the veterinarian. If you would like coverage for specific treatments, you will either need to add it to your existing plan through your provider or take advantage of a new plan altogether.

How are pet insurance premiums determined for a Bengal?

Insurance premiums vary depending on the provider, but many other details will factor into the overall cost to cover your Bengal cat. Some of the most common factors include:

  • Age: older Bengals are more likely to have a higher overall pet insurance cost as opposed to younger Bengals. You will want to take advantage of pet insurance while your Bengal is young for a lower rate.
  • Gender: male Bengal cats are more likely to have a higher overall rate than female Bengals. Male Bengals are more susceptible to developing serious health conditions compared to female Bengals.
  • Plan details: your plan details will largely determine how much you pay monthly. If you opt for a higher overall insurance cap or a lower yearly deductible, you can expect to pay more overall for coverage.

Additionally, your location may factor into your monthly insurance premium. Areas that have less veterinary coverage available are likely to have higher insurance rates.

How to choose the best pet insurance plan for a Bengal

With tons of different insurance plans available, it can be difficult to determine which one is best for your Bengal cat. To help you make the right choice, here are some things to consider:

  • Your cat’s health history: if your Bengal cat has a history of medical conditions, or requires more complex health care, you will want to factor that into your pet insurance plan.
  • Budget: each plan differs in cost based on the specific details of your plan. Depending on your budget, you will want to narrow down your selection of plans so you can choose one that offers everything your Bengal cat needs.
  • Customer reviews: be sure to read customer reviews on any insurance plans you are considering. This will help you get an understanding of what to expect if you file a claim in the future.