Best Cheap Cat Insurance Plans of July 2021

Lisa Scott

Through cheap cat insurance, you can rest assured your cat’s treatments are covered, giving you the ability to get the help it needs whenever sickness or injuries happen unexpectedly. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

Unlimited

Annual Coverage

90%

Reimbursement Rate

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great 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.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

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.

Extensive coverage to help keep your pet healthy

$20,000

Annual Coverage

90%

Reimbursement Rate

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.

Affordable prices with a fast reimbursement process

$100,000

Annual Coverage

90%

Reimbursement Rate

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

Pre-existing conditions and 6 pets covered for $19/m

$3,000

Annual Coverage

100%

Reimbursement Rate

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 $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.

What we like

  • Monthly premiums as low as $19
  • Allows coverage on 6 pets for $19 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

No exotic pet left out - every single one is covered

Unlimited

Annual Coverage

25%

Reimbursement Rate

Overview

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.

What we like

  • Covers all health conditions (including pre-existing)
  • All animals are eligible for coverage
  • No exclusions on pet age
  • No deductibles
  • Visit participating vets as much as you like
  • Lost pet recovery service

What we don't

  • Not all vets participate in the discount program
  • Does not cover prescription drugs

Is cheap cat insurance worth it?

Just like humans, cats can get sick unexpectedly. Cats don’t always show symptoms of illness, especially early on; often, we don’t know our cat is sick until a routine checkup, or they start to exhibit more serious symptoms.

Because it’s difficult to catch if your cat is sick or injured early on, there is often a high likelihood any treatments necessary will come at a high price. Visits to the vet for various medical treatments and procedures can get expensive fast. Even if your cat is healthy or relatively young still, you never know when something may cause them to get sick or hurt. In these cases, you want to have a plan to get them the help they need.

One of the best ways to plan for these unexpected illnesses is by getting your cat insurance coverage. By insuring your cat, you will be able to qualify for reimbursements following medical procedures done at your pet’s vet office. Depending on the details of your insurance plan and what is covered, you may qualify to receive a significant portion of your money back following a claim – helping you feel more confident in paying for treatments your cat may need.

Though you can’t predict when and how your cat will get sick or injured, insurance is a great way to prepare for the unexpected.

What does cheap cat insurance cover?

Getting your cat insured does not have to cost you a ton of money each month. You can find a reasonable plan that fits into your budget and covers everything you need to keep your cat safe and sound.

Most insurance providers offer coverage for cats that cover injuries and illnesses. Plans often include injury-only coverage, illness-only coverage, or a combination of both. Additionally, some providers offer wellness plans that cover some wellness routines, including check-ups and vaccinations.

Here are some of the main things cat insurance often covers:

Treatments for accidents and injuries depend on whether you have an injury-only, illness-only, or combination plan. Your insurance may cover the following types of treatments:

  • Surgery procedures
  • Hospitalization costs
  • Diagnostic testing and X-rays

Depending on your insurance plan, you may get coverage for additional treatments like medicine and procedures related to chronic conditions.

When it comes to pre-existing conditions, many insurance providers have rules around what they will cover. Some insurance providers will not cover cats with certain pre-existing conditions, including cancer. Before you choose the plan for your cat, be sure to evaluate what the plan in question covers. Also, check whether or not your pet will qualify and if you will receive coverage for the treatments they may need.

How are cheap cat insurance premiums determined?

There are many things that determine your cat’s monthly insurance coverage premium. Here are some of the key factors providers consider:

  • Age: Depending on your cat’s age, you may be expected to pay more if they are older. This is due to older cats having a higher likelihood of getting sick with more serious illnesses, or being more susceptible to injury, than younger cats.
  • Breed: Certain breeds of cats may register a higher monthly premium if they are more likely to develop long-term illnesses or conditions.
  • Location: Insurance providers may vary their plan costs based on your location due to the availability of veterinarians and treatment centers.
  • Plan details: What your specific plan entails will play a large part in determining your monthly premium. Some providers give you options for your deductible amount and reimbursement percentage, which will affect your monthly premium amount.
  • Add-ons: Some providers may offer add-ons to create a more robust coverage plan. Add-ons may include wellness, exams, vaccines, or other types of coverage outside of your typical insurance plan.

How to choose the best cheap cat insurance plan?

What is best for your cat’s insurance is just as unique as your pet itself. You will want to consider a range of variables as you decide which plan to move forward with:

  • Your cat’s age and breed: You will want to check that your potential insurance plan covers your cat’s breed and see whether they have an age cap for older cats. If your cat’s breed is susceptible to certain types of injuries or illnesses, checking that your insurance will cover the necessary treatments will be critical.
  • Consider your budget: Deciding how much you can afford monthly will give you a good idea of what you can handle for your insurance plan. Determining a budget will help you narrow down your options.
  • Compare options: Once you’ve found plans that meet your cat’s needs and fit your allotted budget, you can start to compare and contrast what different plans have to offer. Take a look at what is covered under each plan, what your options are in terms of deductible and reimbursement, and see what makes the most sense for your unique situation.
  • Review insurance provider credentials: Before you move forward with your insurance plan, be sure to check their credentials to ensure they are reputable. Take a look at their ratings from customers and trusted organizations, such as the Better Business Bureau, to determine how they process claims and overall customer service activities. We’ve also written a review on certain providers that can be helpful for you to decide on which insurer to go with.