Best Toyger Pet Insurance of 2022

Lisa Scott

If you have a Toyger, chances are they’ve already become a loved member of your family. 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.

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 Toyger?

Toyger cat breeds are generally healthy cats with few hereditary problems. They can develop conditions common to other breeds, including eye problems and hypertrophic cardiomyopathy. Like all purebreds, Toygers require proper care and attention from their owners

Medical treatment for your Toyger can become very expensive, especially if they encounter a more serious issue that requires invasive treatment. Medical bills for treating a sick Toyger 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 pet’s medical treatments and procedures, while you focus on your cat’s 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 important and beneficial for your pet.

Common health conditions for a Toyger

Typically, a Toyger is a healthy breed and has a long lifespan. You can expect your cat to live somewhere between 10 – 15 years. However, like all cat breeds, there are certain medical conditions that your pet could develop. The common health problems to watch out for your cat include:

  • Dental disease: Like all cats, a Toyger can suffer from periodontal disease, which can cause pain and decaying teeth. Regular teeth cleaning is necessary to prevent dental disease. You will need to brush your cat’s teeth daily and take them for professional cleanings at the veterinarian a couple of times a year.
  • Hypertension (high blood pressure): This condition can result from kidney disease or hyperthyroidism, and blindness. Signs of hypertension include dilated pupils, head tilts, circling, and seizures.
  • Polycystic kidney disease (PKD): This is an inherited condition in which clusters of cysts grow in the kidneys. Signs include decreased appetite and lethargy, as well as enlarged kidneys.
  • Heart murmurs: If your vet detects a heart murmur during a routine check-up, it simply means your Toyger has an abnormal sound when their heartbeats. This is usually harmless, but sometimes it’s caused by a more serious condition like hypertrophic cardiomyopathy (HCM). If the problem is with the valves between the heart chambers, it can be fatal.
  • Gastric torsion: Bloat is a life-threatening condition that can affect any cat breed. It occurs when the stomach fills with gas, fluid, or food, causing it to expand and twist out of shape. It’s a medical emergency that requires immediate treatment.

What does pet insurance cover for a Toyger?

Pet insurance covers a range of diagnostics, treatments, and procedures for your cat. Based on your plan, you are eligible for the following coverage:

  • Accidents: This coverage pays for emergency care after an accident and is the most popular type of coverage.
  • Illness: This coverage pays for emergency care after an illness. It may also pay for ongoing medical conditions and routine care.
  • Routine care: This coverage pays for routine veterinary costs, like wellness exams, vaccinations, spay/neuter, and dental cleanings. This is usually an add-on from your standard plan.

In addition, most insurance providers will not cover pre-existing conditions that were established before you registered your pet for coverage. Be sure to 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 are pet insurance premiums determined for a Toyger?

There are many factors that will determine the monthly premium rate for your Toyger (included but not limited to):

  • Location: In certain areas, usually cities, tend to have high veterinarian costs, so your premiums will be higher.
  • Age: The older your cat is when you get insurance, the more it will cost because older pets are more susceptible to health conditions.
  • Deductible: This is what you will pay out of pocket before your policy starts to cover treatments. If you pay a higher deductible, you will have lower premiums.
  • Gender: Males tend to cost more than females because they’re at higher risk for certain conditions like prostatic hyperplasia or perineal hernia. Also, male cats tend to be more aggressive than female cats resulting in higher premiums.

How to choose the best pet insurance plan for a Toyger

There are many pet insurance options available for a Toyger, 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:

  • Check out the company’s reputation: Look for companies that have been offering insurance for pets for a long time and check with your vet on how they experienced certain providers. It’s also important to make sure that the company you choose is financially secure to be able to pay your claims if needed.
  • Consider your budget: It’s important to have a clear idea of how much you can afford to spend on pet insurance per month before choosing a plan to avoid overspending.
  • Consider pre-existing conditions: Some pet insurance plans will only cover medical emergencies from unforeseen accidents or injuries — they won’t generally cover pre-existing conditions. You should ask your vet about any pre-existing conditions that might affect the terms of your coverage.
  • Define your needs: You should look at what’s covered by a policy before buying it. If you want to protect yourself against routine costs, like vaccinations and annual check-ups, you’ll need to make sure the policy offers such coverage.