10 Best Cat Insurance Companies for 2019: Pros & Cons of Each

Over 47 million American households include a cat, for a total of more than 94 million pet felines, according to the Insurance Information Institute.

In exchange for cuddles and unconditional love, we spend almost $1,000 a year on our cats, nearly half of that on veterinary care, according to American Pet Products.Close up view of Gray tabby cute kitten with blue eyes.

Veterinary care can get expensive, especially if your cat has a medical condition or if it’s an outdoor cat prone to accidents.

Enter cat insurance, which is becoming increasingly popular with each passing year.

Cat insurance gives you peace of mind knowing that, no matter what happens to your beloved feline, you can cover the costs of treating an accident or illness.

The cat insurance market is multiplying, which can make it hard to sort through all the different insurance companies and policies available.

But not to worry.

We’ve done the hard work for you by carefully evaluating more than 30 pet insurance companies and their offerings to present you with the best pet insurance for cats.

Here, then, are our top 10 picks.

10 Best Cat Insurance Companies: Get Quotes & Compare Coverage Today

1. PetPremium Pet Insurance

PetPremium offers cat insurance starting at eight weeks old and capping out at 14 years old, longer than the typical age cap of 10 years.

Like most pet insurance policies, PetPremium lets you select your own vet and doesn’t restrict you with a predetermined network of providers.

Cat health insurance policies through PetPremium are highly flexible: you can choose your coverage cap, which ranges from $2,500 to unlimited, and your reimbursement percentage, from 70 to 90 percent.

The annual deductible is also flexible, ranging from the minimum of $100 to a maximum of $500.

PetPremium offers two different cat insurance plans.

The Accident-Only coverage pays a portion of expenses related to injuries sustained in an accident, such as poisoning or an animal attack.

This policy covers imaging tests, prescription medications, surgery, hospitalizations, lab tests, and other essential services.

The Total Coverage plan encompasses both accidents and illnesses, including chronic, hereditary, and congenital conditions.

It also covers cancer and behavioral treatments, unlike many other policies.

Preventive care add-ons are available for both Accident-Only and Total Coverage policies and include routine exams, tests, and vaccinations.

2. Embrace Pet Insurance

Embrace pet insurance earns 8.8 points out of 10 for its stellar customer service and coverage options.

Embrace covers a range of services not typically provided under other companies’ standard plans, including prosthetic limbs, behavioral therapy, and alternative treatments.

Other treatments covered include diagnostic testing, surgery, hospitalization, prescription medications, and emergency, specialty, and alternative care.

Embrace cat insurance plans are among the most customizable in the industry, encompassing your choice of anywhere from 65 to 90 percent reimbursement of the actual costs of services.

You can also choose a $100, $200, $300, $500, or $1,000 deductible, making this an excellent plan for any budget.

Another thing that sets Embrace apart from the competition is the Healthy Pet Deductible program, which reduces your deductible by $50 for each year you don’t receive reimbursement from a claim.

3. Blue Cross Blue Shield Pet Insurance

Blue Cross Blue Shield cat insurance is more expensive than other insurance policies, but it’s also more comprehensive than most, covering all accidents and new illnesses without restrictions for chronic, hereditary, or congenital conditions.

Unlike most other plans, Blue Cross Blue Shield also includes treatments for noise phobias, separation anxiety, and other behavioral problems.

It includes a wide range of dental services, including dental injury, periodontal disease, and advanced dental treatments like root canals.

All plans cover all non-routine veterinary exams, including those conducted at specialists and emergency hospitals.

Customizable plans let you choose the policy’s annual coverage caps, from the minimum of $2,500 to the maximum, which is unlimited yearly coverage.

You can also select the reimbursement percentage from 70 to 90 percent, and you can pick your deductible, which ranges from $100 to $1,000 annually.

Pricing for Blue Cross Blue Shield is competitive and in line with comparable plans, but unlike most other insurance companies, it has a No Claims Credit of up to 10 percent for each 12-month period during which you don’t file a claim.

Blue Cross Blue Shield offers a 30-day free look period and begins accident coverage five days after enrollment.

4. Farmers Pet Insurance

Farmers offers standard coverage for a range of services and, unlike most pet insurance companies, doesn’t have an upper age restriction, which means it covers your cat no matter its age.

Farmers’ Essential, Plus, and Elite plans encompass both illness and accidents and include coverage for hereditary and chronic conditions.

These plans also deliver prescription coverage, which not all companies do.

The Plus and Elite plans cover exam fees, rehabilitative therapies, chiropractic, and acupuncture.

Farmer’s pricing is highly flexible when compared to some other pet insurance companies.

You can choose a deductible between $50 and $1,000 and a reimbursement percentage of 70 to 90 percent.

For those on a budget, an affordable accident-only policy features a $10,000 annual coverage cap with 90 percent reimbursement and a $250 deductible.

You can add two tiers of wellness plans to any Farmers policy to cover routine vet exams and tests, vaccinations, and other scheduled services.

One of the few companies to allow enrollment at any age over seven weeks, Farmers also has a three-day waiting period for accidents, one of the shortest accident waiting periods in the industry.

The illness waiting period is a standard 14 days. Farmers typically reimburses within a week if you opt for direct deposit, and a 24/7 veterinary support line provides answers to any pressing questions about your cat’s health.

5. Figo Pet Insurance

What sets Figo pet insurance apart from its competitors is its paperless claims mobile platform that’s fast and easy to use.

You can take a picture of the bill with your phone, submit it over the internet, and have your reimbursement in five days or less.

Figo offers three tiers of coverage, all of which provide excellent benefits for their price compared to most other pet insurance companies.

Figo’s least expensive cat insurance plan covers accidents and illnesses along with prescriptions and exam fees.

Unlike most companies, Figo plans also include hip dysplasia, alternative treatments, prosthetics and mobility devices, and behavioral therapies.

There are no exclusions for hereditary or congenital conditions, and preexisting conditions that have been cured for one year are considered new.

Top-tier plans contain lost pet advertising and rewards as well as vacation cancellations. Figo lets you choose your reimbursement percentage from 70 to 100 percent; most other insurance companies max out at 90 percent reimbursement.

6. AAA Pet Insurance

For members of the Automobile Association of America, cat insurance comes with a member discount.

AAA pet insurance earns one of the highest ratings in the industry, offering competitive prices and comprehensive coverage.

All AAA cat health insurance plans cover accidents and illnesses, including hereditary, congenital, and chronic conditions.

Its plans cover services like advanced testing, surgeries, hospitalization, and prescription medications, and it also pays for emergency care and alternative therapies like acupuncture.

However, AAA doesn’t offer a wellness plan for routine exams and other scheduled health maintenance.

AAA pet insurance really shines in terms of its benefit limits: regardless of the plan, there are never annual, per-incident, or lifetime caps on coverage.

Plans are highly customizable, letting you choose your deductible and reimbursement percentage.

AAA insures cats from eight weeks to 14 years of age.

7. Banfield Pet Hospitals Pet Insurance

Banfield Pet Hospital operates over 900 pet hospitals across the nation, including clinics in PetSmart stores.

Instead of the traditional accident and illness pet insurance policies, Banfield Pet Hospital offers an Optimum Wellness Plan that lets you access services at every Banfield Pet Hospital location.

The plan covers 100 percent of the cost of comprehensive exams, nutritional consultations, dental care, and services required to diagnose, treat, and prevent medical conditions.

Banfield Pet Hospital doesn’t provide accident coverage, but what it does offer is unlimited office visits and unparalleled protection against illness.

Covered medical conditions include hereditary, chronic, and congenital conditions, cancer, dental illnesses, and breeding.

Treatments include diagnostic testing, hospitalization, prescription medications, and emergency and specialty care.

Unlike many cat health insurance plans, Banfield Pet Hospital includes behavioral therapy, prosthetics, and mobility devices.

Depending on your coverage level, Banfield also covers preventative X-rays and electrocardiograms.

Since you receive all care from Banfield Pet Hospitals, you never have to file a claim or wait for reimbursement.

The starting monthly membership rate for cat owners is $23.95.

8. Healthy Paws Pet Insurance

Healthy Paws scores 9.8 out of 10 points for their top-notch services: everything from benefit limits and deductibles to claims and customer satisfaction to ease of enrollment.

Pricing is the same as, or lower than, less comprehensive plans from other insurance companies, and there’s never a cap on coverage, meaning Healthy Paws pays whatever it takes to make your cat better.

Policies are highly flexible.

You can choose a reimbursement percentage of 70, 80, or 90 percent and a deductible of $100, $250, or $500.

For cats, the minimum monthly premium is just $17.19, far less than the average annual premium of $27.93, according to the North American Pet Health Insurance Association.

Healthy Paws insures cats from eight weeks to 13 years of age.

The accident and illness waiting period is 15 days, which is in line with most other pet insurance companies, and it has a free-look period of 30 days.

The company processes most claims in just two days, far faster than the industry standard.

9. PetFirst Pet Insurance

While PetFirst doesn’t offer unlimited coverage, the company protects against conditions that many other providers don’t, including orthopedic ailments, alternative therapies, and behavioral therapy.

PetFirst policies also cover chronic, hereditary, and congenital conditions as well as dental illnesses, cancer, surgery, and hospitalization, among other services.

The enrollment process for PetFirst is easier than most, since it doesn’t require a vet exam, and unlike most companies, accident coverage starts in just 24 hours.

PetFirst policies are customizable.

You can choose an annual coverage cap of $5,000, $10,000, or $20,000 and a 70, 80, or 90 percent reimbursement.

Deductibles range from $50 to $500 per incident.

PetFirst is one of a handful of companies that don’t have an upper age limit for coverage, and it offers a free-look period of 30 days.

PetFirst provides a healthy pet discount for every year you don’t file a claim, and it never increases your premium due to the number of claims you file.

10. Petplan Pet Insurance

Petplan offers highly flexible mix-and-match components so you can create a plan that works for your cat and your budget.

The coverage is extremely comprehensive compared to many other companies in the business of insuring pets.

All Petplan policies provide coverage for behavioral treatments, which many other companies don’t, and all non-routine vet exam fees, including those at emergency and specialist hospitals.

Comprehensive dental coverage pays for accidents and injuries, including broken teeth, periodontal disease, and advanced dental treatments like root canals.

The Covered for Life guarantee ensures that your plan is never terminated based on your claims history.

Petplan’s annual coverage cap can range from $2,500 to unlimited, and you can choose a 70, 80, or 90 percent reimbursement.

Annual deductibles range from $100 to $1,000.

Discounts are available for pet owners associated with AAHA, AARP, the Best Friends Animal Society, and the National Police Dog Foundation.

Policyholders who go 12 consecutive months without filing a claim get a No Claims Credit of up to 10 percent.

The top-rated plans mentioned above provide you with extensive coverage options at competitive prices.

This way, you’ll be able to protect your finances from unexpected pet medical bills and gain some much-valued peace of mind.

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.