15 Best Pet Insurance for Cats in 2022 | Complete Guide

There are numerous pet insurance companies for cats in the United States that provide different services and cover different pet cases.

Although they all provide similar services, some of them are peculiar from the rest and provide services that others do not.

Also, some charge less than others while providing pretty much the same services, and this has set them apart from the rest. This has also caused some of the pet owners to choose pet insurance for cats over others.

Because of this, we would be searching for the best pet insurance companies for cats, in an attempt to help you, our reader, make the best insurance decision for your cats.

Before we get into the list proper, let’s understand what insurance is all about.

What is insurance?

According to Investopedia.com, insurance is a contract, represented by a policy, in which a person or entity receives financial protection or reimbursement for losses from an insurance company.

The company  pools clients’ risks  to make payments more affordable for policyholders.

Insurance policies are used to  cover  the risk of economic loss, both large and small, that may result from damage to the insured or their property, or from liability for damage or harm caused to a third party.

How does pet insurance for cats work?

In simple terms, pet insurance helps you pay for unexpected medical expenses, so you can be sure your cat will receive the best possible care, regardless of your financial situation.

Cat insurance costs vary depending on what’s included in your policy, as well as other considerations, such as your cat’s age/breed and where you live, just like auto insurance.

When you choose a policy, you will need to pay a premium, which is normally paid monthly. Your insurance policy will specify what is covered, such as accidents only or broader coverage that includes wellness visits, etc., as well as how much of the cost will be reimbursed.

You will pay a deductible, which is specified in your policy, when your pet requires care that is covered by your policy.

Your insurance provider will usually cooperate with the vet to pay half the cost of care after you’ve met your deductible. A representative from your selected health insurance company can explain the details of how that company’s claim procedure works.

For example, if your policy covers 90% of new illnesses with a $100 deductible, you’ll pay $100 at checkout, then 10% of the balance.

Because your deductible has already been met, if your pet gets sick during that year (or during the time of your deductible), you’ll only be responsible for 10% of the bill.

Types of pet insurance

  • Accident and Sickness Insurance:  These policies cover your pet in the event of an injury or illness.
  • Wellness Insurance: Wellness  policies generally cover more routine matters such as exams, vaccinations, sterilization and nail trimming.
  • Exotic Pet Insurance:  This type of insurance covers pets other than cats and senior dogs. Very few companies offer this type of insurance.

Who should get pet insurance

Everyone who has a cat should. No one should allow the bill to slip by them like they do in an emergency situation. It will set you back financially, especially if your cat is aging or has a serious, chronic illness.

Getting insurance for your cat should no longer be a debate. If there is any question, it should be finding the best insurance company for you and your cat.

What factors should influence my decision when choosing an insurance company?

The following are things to consider before choosing an insurance company for your cat.

# 1. Cost

While it’s important that you get coverage for your cat, it’s even more important that you get something you can afford. This is to ensure that you stay current on your monthly premium and deductible payments when the need arises.

It’s important to note that insurance policies with small monthly premiums may require a higher deductible. So keep this in mind before choosing, so you don’t get stranded.

#2 The age of your cat

The older pets get, the more susceptible they are to certain diseases. It’s important that you get coverage that cares for your cat in the best possible way.

While there are insurance coverages that won’t cover older cats, there are others that will. Finding these companies would be your best bet for your aging cat.

#3. How much do you want the policy to cover?

Think about how much coverage you want from your pet insurance policy. Aside from accident and illness coverage, several companies also offer wellness plans that cover the costs of normal veterinary care as well as advanced cancer treatment.

You’ll also need to consider whether or not your plan covers items like dental care for cats. Of course, more frequent coverage comes at a higher price, so you’ll need to determine how much you’d rather pay up front rather than when your pet is sick or injured.

We’re convinced you’ll find the best pet insurance solutions that work for you among the growing number of cat health insurance policies and alternative means of financing pet health care.

Knowing that there are so many, we will look at the 15 best pet insurance for cats in 2022.

# 15. Lemonade

Accident and Sickness coverage includes a wellness package option, with reimbursement amounts of 70%, 80% or 90% after deductible.

Enrollment is only open to pets that are at least 8 weeks old. Lemonade coverage for dogs doesn’t end when they get older.

# 14. Petplan

If you’re too busy to get to your vet’s office, consider this insurer: They pay for virtual vet visits. However, you would have to come to the office for a serious problem.

They will also cover boarding fees if you must be hospitalized.

#13. pets better

Pets Best’s standard plan covers cat and dog accidents and illnesses, and there are no age restrictions on membership. There are three levels in this plan: Essential, Plus and Elite.

As you progress through the tiers, you’ll gain access to additional benefits, such as exam coverage for accidents and illnesses, as well as rehabilitation coverage.

#12. Adopt pet insurance

Embrace has insurance that will cover your pet’s emergency expenses at any registered veterinary hospital in the event of an injury. Accident benefits start after just two days, which is much less time than most competitors.

#eleven. figure

For pet owners looking to explore alternative treatments for their pets, Figo is the friendliest insurance.

Figo has three pet insurance policies to choose from, all of which cover accidents and injuries. Degrees of Essential, Preferred and Maximum coverage are provided, with increasing levels of annual coverage:

#10. PetFirst pet insurance

With adjustable benefits that can be matched to your average annual spend, the PetFirst Wellness Rider provides the best value for routine treatment.

That’s why it’s on our list of pet insurance companies for cats.

#9. pet insurance

Although Pet Assure is not a traditional pet insurance company, its low cost and flexibility make it one of the best pet insurance for cats.

Pet Assure has low monthly rates and pays for pre-existing problems your cats may have.

#8. ASPCA Pet Health Insurance

The ASPCA offers coverage for dogs and cats, as well as a 10% discount for multiple pets, making it the best option for families with multiple furry members.

# 7. Nationwide

As the first insurer to offer pet insurance nationwide, it covers both routine and preventive care for your pets, including a separate plan for accidents or illness.

Find more about Nationwide here.

#6. 24PetWatch

If your pet has a chronic illness, 24PetWatch’s annual maximum limit of $20,000 will be more than enough to fund treatment. After 24 months without symptoms, most pre-existing conditions are no longer excluded from coverage.

#5. Progressive

Progressive’s pet insurance packages start at $6 per month and include a variety of discounts, making it one of the most cost-effective options on this list.

# 4. USAA

Pet insurance is no exception for USAA, which is the go-to military provider for all forms of insurance. Pet owners may be eligible for up to a 25% discount on their premiums.

#3. Hartville

Hartville will allow your pet to sign up for a policy no matter how old they are. Older dogs can purchase not only accident coverage, but also sickness and accident coverage.

#two. trupanion

Trupanion is perhaps the most unique of all. They pay veterinary expenses on the spot and have no payment limits.

That’s why it’s our number two pet insurance company for cats.

#1.Healthy legs

With an annual deductible and no payment restrictions, Healthy Paws offers a single pet insurance plan that covers accidents and illnesses. Healthy Paws gives you the option to increase your deductible or lower your reimbursement amount to lower your premiums.

Healthy Paws also covers what is known as alternative pet care, which includes hydrotherapy, acupuncture, and chiropractic care.


If you’ve ever had to pay out of pocket to cover your cat’s medical bills, you’ll appreciate the importance of pet insurance for cats.

This post has looked at some of the best pet insurance companies for cats, in an attempt to help you choose the one that suits your needs.

We sincerely hope that you find what works for you and your cats.

Good luck.


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