FROM OUR PARTNERS

Best Cameo Longhair Pet Insurance of 2025

Lisa Scott

If you have a Cameo Longhair, they’ve already become a loved family member. Keep them healthy and safe by considering quality pet insurance for expensive veterinarian bills. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

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 pumpkin.care/insurancepolicy. 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 pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

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

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

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

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

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

$3,000

Coverage Up To

100%

Reimbursement

Overview

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

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it for a Cameo Longhair?

The Cameo Longhair is affectionate and energetic, taking well to training. Cameo longhair cats are known for being very sweet. They’re also known for being particularly active and playful, making them an excellent choice for families with young children or older people looking for companionship.

Medical treatment for your Cameo Longhair can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Cameo Longhair can quickly add up, costing up to a few thousand dollars. In these situations, you don’t want to be in the middle of a crisis and have to choose between your beloved cat and the affordability of their medical treatment.

To prepare for these unexpected circumstances, consider investing in pet insurance. It can help you afford your cat’s medical treatments and procedures while focusing on its recovery. 

Pet insurance can also provide peace of mind that your cat can be covered for the necessary treatments when it has an accident, injury, or illness. This includes (but is not limited to) broken bones, cancer treatment, harm caused by another animal, and prescriptions for chronic conditions. Therefore, pet insurance can be essential and beneficial for your pet.

Common health conditions for a Cameo Longhair

Typically, a Cameo Longhair has a longer lifespan than the average cat, and you can expect your cat to live somewhere between 12 to 18 years. However, like all cat breeds, there are certain medical conditions that your cat could develop, such as:

  • Cardiomyopathy (diseases of the heart muscle): Cameo Longhair is particularly susceptible to cardiomyopathy, which causes an enlargement of the heart and can lead to congestive heart failure. If your cat has difficulty breathing or appears to tire quickly while playing, give him a thorough checkup by your veterinarian.
  • Chronic kidney disease: Early detection is critical for chronic kidney disease, leading to kidney failure if left untreated in Persian cats. Make sure you take your cat for regular vet visits to catch any symptoms early. Symptoms include excessive thirst and urination, lethargy, and weight loss.
  • Diabetes mellitus (sugar diabetes): This condition is becoming more and more common in cats, and when it shows up in a Cameo Longhair, it’s usually due to obesity. There is no cure for diabetes, but maintaining your cat’s weight can help prevent or alleviate the symptoms.
  • Ear infections: Another common problem for Cameo Longhairs is ear infections. These occur when bacteria or yeast get into the ear canal and lead to inflammation in the inner ear. You might notice that your cat frequently scratches his ears or shakes his head.
  • Hyperthyroidism (overactive thyroid gland): Hyperthyroidism is a medical condition with much thyroid hormone in the bloodstream. A hyperthyroid cat will need medication for life, but with proper care (and frequent checkups), most cats live for many years with this condition.

What does pet insurance cover for a Cameo Longhair?

Pet insurance covers a range of diagnostics, treatments, and procedures for your cat. Depending on the pet insurance plan, you may be covered for injury-only, illness-only, or combination. Based on your plan, you are eligible for the following coverage:

  • Diagnostic and blood tests: Diagnostic tests include CT scans, MRIs, ultrasounds, bronchoscopy, and biopsies to find the cause of your pet’s illness. Blood tests measure different substances in your cat or dog’s blood, and these tests are often required to diagnose an illness or injury.
  • Hereditary and genetic conditions: This is one of the essential parts of a pet insurance policy. Sadly, it is also one that many people don’t know about until it’s too late. Many breeds are susceptible to certain hereditary and genetic conditions, so you will want to make sure this coverage is included in your plan before you buy.
  • X-rays and surgeries: Your Cameo Longhair is covered for x-rays and surgeries related to an accident or illness. The primary purpose of these tests is to help us figure out what’s wrong with your pet to get them healthy again quickly.
  • Medication and hospital stay: Your Cameo Longhair is covered for medicines and hospital stays related to an accident or illness. These are essential elements of getting them healthy.

Pet insurance covers a range of treatments, but it does not cover preventative or wellness care. Regular check-ups with the veterinarian will not be covered under most pet insurance plans. You will need to take advantage of an individual wellness plan or see if the provider has any add-ons for wellness visits. Most providers do have it as an add-on.

Moreover, most insurance providers will not cover pre-existing conditions before registering your pet for coverage. Review everything your potential pet insurance plan covers and what types of pre-existing conditions they exclude to ensure your pet will be eligible for coverage.

How much does pet insurance cost for a Cameo Longhair?

Cameos Longhairs are a medium-sized breed that typically weighs between 51 and 60 pounds. Cameo Longhairs are affectionate and energetic. Because they are prone to many diseases, the average cost of pet insurance for a Cameo Longhair is $47 per month or $564 per year.

How are pet insurance premiums determined for a Cameo Longhair?

Many factors will determine the monthly premium rate for your Cameo Longhair (included but not limited to):

  • Age: Pet insurance companies consider your pet’s age when determining what you should pay in premiums. If your Cameo Longhair is older than six years old, you may have a hardcore challenge getting coverage, as some companies won’t insure pets over this age. Also, you may have to pay more if your pet is a senior since they are more likely to become ill or injured.
  • Location: The area where you live has a significant impact on the cost of your premium. If you reside where vet bills tend to be higher than average, or if there are common health problems in the area specific to your pet’s breed, you may pay more for insurance.
  • Gender: Females are typically cheaper to cover than males. The reason is that males are playful and hence encounter accidents frequently compared to calm females.
  • Medical History: It’s essential to be transparent about your pet’s health history when applying for pet insurance. Providing information about any pre-existing conditions can help estimate what you should expect in terms of future medical costs and adjust your premium accordingly so that the insurance can be able potential expenses that may arise from those pre-existing conditions.
  • Deductible: A deductible amount you’ll pay out-of-pocket before coverage begins. Higher deductibles generally lead to lower premiums because the insurance companies know they’ll be paying less money overall for claims. It’s essential that your deductible not be more than you can comfortably afford.
  • Reimbursement rate: You will pay a higher premium if you choose a higher reimbursement rate. If you choose a lower reimbursement rate, you will pay a lower premium.
  • The coverage amount: The coverage amount factor indicates how much you would like to spend on your pet’s care per year. You may have a set budget for what you’re willing to pay out-of-pocket each year, or there may be a common illness or condition among cameos that you would like covered regardless of cost. Knowing this amount can help determine which policy matches your needs best.

How to choose the best pet insurance plan for a Cameo Longhair

Many pet insurance options are available for a Cameo Longhair, so how do you choose the best one? Here are some key factors to keep in mind as you are deciding on the right plan: 

  • Budget: Finding a plan that fits your budget is critical. For most people, there will be a tradeoff between what you’re willing to pay monthly and what you’re ready to pay out of pocket if something happens. It takes a bit of trial and error to figure out what makes sense for you financially, but once you have an idea of what you can afford, it’s much easier to decide which company or plan might fit you.
  • Customer Feedback: Customer feedback is one of the most insightful ways to narrow down your options. Don’t hesitate to ask friends for recommendations or check online review sites for experiences other customers have had with specific companies or plans. This can help guide you toward companies with better services and more reliable reimbursements.
  • Conditions covered:  Most plans will cover accidents and illnesses but not pre-existing conditions, which are those that existed before you took out your policy. If you haven’t had your pet since they were a baby, be sure to find out whether any current medical issues would be considered preexisting so that you aren’t surprised later when your policy doesn’t cover them. Be sure also to ask about exclusions; some plans don’t cover hereditary conditions.
  • Reimbursement rate: Refers to how much of the cost of a service will be reimbursed. Some plans reimburse 100% of costs, while others deduct a certain percentage from each bill. For example, if your plan covers 80%, you’ll get $80 for every $100 spent.
  • Coverage amount: Refers to how much you’ll be charged for services in total for a year. Some plans have an annual maximum per-incident or condition; once your pet’s medical costs reach that amount within that period, you won’t be covered for any more treatment until the following year.
  • Deductible: Deductible is the amount of money you have to pay for veterinary services before your insurance company pays for any covered expenses. Your deductible can be an annual sum or a per-incident amount.

Ultimate Guide to Keep Your Pet Happy and Healthy
Learn how to provide the best care for your furry friend with practical tips and expert advice in this FREE comprehensive e-book.
GET THE EBOOK