Cat insurance provides you with peace of mind that your pet is protected should the unexpected happen. You could save on large vet bills through reimbursements for pet illnesses, injuries, accidents, and wellness routine care. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.
ASPCA® Pet Health Insurance program offers coverage on accidents , illnesses, and preventive care at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and ensure your pet receives the best care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.
Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.
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.
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.
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.
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 $19, 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.
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.
Embrace pet insurance provides comprehensive coverage from accidents all the way to dental care. Their comprehensive coverage attracts pet owners with its affordable pricing, and polices that can be customized to suit the pet's needs.
Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc. + Wellness Rewards not available in Rhode Island.
Pet Assure is not like other traditional insurance providers that reimburse you on claims. Instead, the digital platform offers a flat rate discount of 25% on all pet-related medical costs when you visit a participating veterinary doctor. The discount program applies to your vet bills checkout after every visit.
PetFirst offers coverage for dogs and cats at an affordable price. Pet Parents are able to take charge of their monthly premiums by customizing a policy that suits their financial situation. It offers policy add-ons, such as preventive and wellness coverage that keeps your pet protected all year round. The agency operates in all States and allows pet parents to visit any licensed vet of their choice.
The insurance agency does not provide any restrictions on the maximum age limit allowing pet parents to enroll even older pets. According to PetFirst, every pet deserves the best healthcare coverage without discriminating on age.
Cats are some of our best companions that possess uncanny abilities to shake off our anxiety and stress. However, the American Pet Products Association reveals that only 1% of cat owners have insured their pets. Medical emergencies can strike any minute, and you may have to break into your savings or borrow money to give the best healthcare to your pet. A cat insurance plan gives you full control of your pet’s health by allowing you to visit a licensed veterinarian or specialist by minimizing vet costs.
Aside from protecting your finances and the cat’s health, an insurance plan for your pet gives you much-needed peace of mind when an emergency occurs. With affordable monthly premiums and high reimbursement levels, pet insurance could extend the life of your pet by enabling you to provide medical care for your cat even when it develops serious conditions, such as cancer or diabetes.
Cat insurance reimburses a certain amount of money for their pet’s medical costs. The amount reimbursed varies depending on the reimbursement option selected in the policy. Cat insurance agencies offer different policies that cover certain conditions and exclude others. Before you settle on an insurance agency, ensure you read and understand the terms of your policy to determine if it suits your financial situation and pet’s needs. Other insurance agencies allow cat owners to customize their policies and configure them based on their budgets or to include pre-existing health conditions.
Below are some facts you need to understand in your policy:
Some of the coverages offered by insurance providers for your pet include:
Depending on your insurance provider, you may need to get a medical examination for your cat to determine any pre-existing conditions. Most of the agencies do not provide coverage for pre-existing conditions. Ensure you ask about this coverage before you make up your mind. Insurance agencies also provide a waiting period before your coverage. The average waiting period for illness coverage is usually 14 days.
Cat insurance costs depend on several factors, including:
If you are shopping around for the best cat insurance plan, you may need to consider the following factors:
Most insurance agencies provide limitations on the minimum and maximum age to enroll your pet. However, some providers do not have age restrictions on their policies. The average minimum age of enrolling your cat is usually 6 to 8 weeks, while the average maximum age ranges between 10 years and 14 years.
Cat insurance is a safety guard against unexpected expenses. It is best to insure your cat while it is still a kitten or at a young age. Also, insuring your cat at a young age avoids claim rejection for a pre-existing condition that could potentially develop later in life in your pet.
You can still enroll your cat at an older age to ensure it receives the best care during emergencies while protecting your finances at the same time.
Comprehensive cat coverages are good as they cover a wide range of conditions. To choose the best plan, consider some of the pointers below: