FROM OUR PARTNERS

Best Domestic Longhair Pet Insurance of 2024

Lisa Scott

Domestic longhairs are healthy, but they have some genetic issues that can be very costly if not covered by pet insurance. 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 Domestic Longhair

Pet insurance, also known as animal insurance, is an all-encompassing term used to describe a variety of health coverage plans for dogs and cats. It’s a policy that you can purchase to help cover the cost of unexpected veterinary services.

For many pet owners, their cat is a beloved member of their family. But sometimes the unexpected happens, and you end up with an injured or ill pet. Emergency care for cats can be extremely expensive, so it’s important to know what your options are. 

Pet insurance is a great way to protect your wallet from unexpected veterinary bills. Pet insurance is there for you when you need it most. Whether your pet eats something poisonous or needs surgery, pet insurance will reimburse you for most of the costs.

Common health conditions for Domestic Longhair

The Domestic Longhair is generally a healthy breed of cat. However, there are some conditions to be aware of, which include:

  • Hereditary myopathy: This condition causes an abnormal muscle structure, resulting in progressive muscle weakness, exercise intolerance and a “bunny hopping” gait.
  • Hypertrophic cardiomyopathy: HCM is the most common form of heart disease in cats. It affects the heart muscle and can lead to heart failure. HCM is genetic in some breeds, but it’s believed to be caused by other factors in longhaired cats.
  • Polycystic kidney disease: This inherited condition is characterized by numerous cysts on the kidneys. It often leads to kidney failure and is more common in Persian and Exotic Shorthair cats.
  • Lower Urinary Tract Disease: Bladder stones and bacterial infections sometimes cause inflammation of the lower urinary tract, which may result in bloody urine, difficulty urinating and straining to urinate.
  • Pancreatitis: Pancreatitis is inflammation of the pancreas that may occur due to an infection or certain drugs or toxins. It can lead to weight loss and diabetes mellitus. Like many other diseases, pancreatitis tends to strike older pets more often than younger ones.

What does pet insurance cover for Domestic Longhair

Pet insurance helps cover accidents to illnesses, pet insurance with Wellness Rewards provides you with the coverage you need for your Domestic Longhair. Coverage is customizable so you can tailor it to fit your needs and budget. Domestic Longhair pet insurance covers these:

  • Accidents: This covers incidents such as ingesting poison or getting hit by a car. It also covers diagnostics, treatment and recovery, such as surgery and hospitalization.
  • Illness: This covers the diagnosis and treatment of conditions such as allergies and ear infections. It also covers chronic conditions like diabetes and arthritis that require ongoing treatment.
  • Routine care: This adds coverage for routine visits to the vet for checkups and vaccinations. It also includes spaying/neutering, teeth cleaning, flea control and more.

How are pet insurance premiums determined for Domestic Longhair ?

Pet insurance is a worthwhile investment that can help to protect you against the high cost of veterinary care. The purpose of insurance is to help you plan for the future and protect your finances from an unexpected event. When it comes to pet insurance, we recommend that all pet owners consider purchasing pet insurance. Determining your pet’s insurance premium is a combination of the cat breed, age, location, and individual health history.

  • Location: Certain regions have higher rates of medical issues than others, so where you live can affect your pet’s monthly premium.
  • Age: Puppies and kittens have lower premiums because they’re typically healthy. Older animals may have higher premiums to help offset the cost of any medical care they need.
  • Deductible: The deductible is the amount you pay out-of-pocket before your policy begins covering a percentage of the cost for your pet’s vet visits and treatments. If you choose a higher deductible, you’ll pay less each month for your pet’s insurance.
  • Gender: Male pets typically have lower premiums than females because they tend to be healthier and aren’t as prone to certain conditions.

How to choose the best pet insurance plan for Domestic Longhair 

Choosing the best pet insurance plan for your Domestic Longhair can be a challenge. The market is saturated with so many different policy types and companies that it can be hard to know where to start. Here are  tips for choosing the best pet insurance plan for your cat:

  • Check out the company’s reputation: Before you purchase any pet insurance plan, make sure you’re buying from a reputable company. Check out the company’s financial strength and customer ratings at a third-party review . You can also see how customers rate providers on sites such as Google, Yelp and Trustpilot.
  • Consider your budget: The cost of veterinary care is constantly rising, which is why it’s so important to budget appropriately for your pet insurance plan. Your monthly premiums will vary depending on what type of coverage you choose and factors such as your cat’s age, breed, location and deductible amount. .
  • Consider pre-existing conditions: Most plans won’t cover pre-existing conditions, so if your pet has any major health issues or allergies, it’s important to consider that when deciding which policy is best for them. Some plans will cover routine care like vaccinations, spaying/neutering, dental cleanings and much more. These plans can be very beneficial in keeping up with important preventative care for kittens.
  • Define your needs: Determine whether there are certain health problems you would like to be covered by your pet’s insurance plan, like hereditary myopathy in Domestic Longhair, and look for policies that offer coverage specifically for those issues.

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