They say cats have nine lives, but if you love your little purr-baby, it’s probably not best to test that theory.

Cat insurance is a great way to protect your (mostly) self-sufficient feline in the event of illness, accident, injury, and aging-related health concerns. Pet insurance also covers the owner if you find yourself in a tight financial spot (and who hasn’t found themselves a little strapped for cash before?).

Article Overview

How Does Cat Insurance Work?

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 Most pet insurance companies require you to pay your pet’s vet costs upfront. After paying your vet bill, you’ll then send the insurance company an itemized receipt and all the necessary claim forms. The company will then send you a reimbursement check, minus your pre-arranged deductibles. Companies base their claim reimbursement on a) your policy details and exclusions, b) type and cost of procedure performed, and c) the allowance per procedure on your policy. Reimbursement times vary by each insurance company, but the average is four weeks.

Best Cat Insurance Providers

Below are our winners for best pet insurance for cats based on various factors ranging from price and coverage options to reimbursement rates and customer service.

Healthy Paws Review

#1

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Healthy Paws was a clear choice for first in feline insurance based on their well-rounded performance. Healthy Paws has an annual deductible, reimburses up to 90% of the actual vet bill post-deductible, covers all accidents, illnesses, and hereditary conditions (so long as they weren’t pre-existing), and they’ll never place a number on any of your claims. This means unlimited lifetime benefits for your cat with no cap.

As if that’s not enough, Healthy Paws also weighs in with a reasonable quote of $12.63 per month (based on a four-year-old mixed breed kitty from Illinois) with a $250 deductible and 80% reimbursement.

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Pets Best Review

#2

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Pets Best is our second pick because of their generally lower prices, reasonable claim repayment, and multiple options for customer support. Pets Best is consistently one of the least expensive options when it comes to cat insurance. They typically pay claims within eight days, and they offer multiple forms of customer service, so you’re bound to reach them one way or another.

A four-year-old mixed breed cat from Illinois can have coverage that includes a $250 deductible, 80% reimbursement, and an unlimited annual maximum of $18.64 per month.

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Pets Best offers two discounts that you may be eligible for when you use this link:

  • 5% multi-pet discount
  • 5% discount for military members and their families

You can also visit our dedicated Pets Best promotions page to discuss current offers.

Figo Review

#3

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We love that Figo offers so many options, which is why we chose them as our #3 pick. Customers can customize their policy based on deductible, reimbursement percentage, and coverage amount. They cover periodontal disease, which is especially important for cat owners since 80% of felines over the age of 3 have periodontal disease.

Figo earned a spot in our top three due to its consistently low price quotes, comprehensive coverage, and it’s the only pet insurance company we review with a 100% reimbursement option.

You won’t know the actual price for your feline until you run quotes from multiple companies. One quote we ran on the Figo website for a four-year-old, mixed breed cat from Illinois came in at $16.92 a month for unlimited coverage with a $250 deductible and an 80% reimbursement rate.

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Common Cat Health Issues

Be sure to get cat insurance before these common illnesses occur with your kitty.

Terminology

Now that we’ve covered the important stuff, we want to arm you with an extra bit of knowledge. Here are a few need-to-know terms to help you navigate policy jargon when looking for your purr-fect cat health insurance policy.

  • Chemotherapy And Radiation Treatment Allowance: The schedule of benefits will also list the maximum reimbursement limit for chemotherapy and radiation treatments as they apply to specific conditions. Companies generally split these two amounts into two allowances, with the amount for radiation being much higher than chemotherapy.
  • Co-Payment: Just as it applies to human insurance, the co-pay is the amount of out-of-pocket expense you must cover per incident after your deductible. Companies usually list the co-payment as a percentage. For example, 80/20 means that the insurance company will cover 80% of the remaining balance after paying your deductible, leaving you to pay the remaining 20%.
  • Code: The word “code” is listed on your schedule of benefits with most vet insurance companies. Underneath this term, you will see a number listed. This is the “code” the company uses to identify the diagnosis given to your pet.
  • Deductible: The deductible is the amount of money you must pay out of pocket before you receive reimbursement from your pet’s insurance plan.
  • Exclusions: Exclusions are items that are not covered by your pet insurance policy. This can include pre-existing conditions, certain musculoskeletal disorders, congenital disorders, hereditary disorders, intentional injuries caused by you or your family, and elective or cosmetic procedures. Read your policy for exact exclusions.
  • General Anesthesia Allowance: On the schedule of benefits, companies will also outline the maximum limit for general anesthesia costs as they apply to specific conditions.
  • Incidents: The term incident refers to the condition that is causing you to visit the veterinarian. Chronic conditions, such as skin allergies, are considered a single incident even if you pay your veterinarian multiple visits.
  • Pre-Existing Conditions: Every major pet insurance company excludes pre-existing conditions from their coverage. This means that companies will not cover any ongoing condition your dog or cat was diagnosed with before being covered by their policy in future claims. However, some companies will cover pre-existing conditions if they’ve been “cured” after a set time. Check your policy for this possible exception.
  • Primary Diagnosis Or Condition: This term will appear on your schedule of benefits and refers to the financial limit that the company places on a primary diagnosis or condition, which includes injections, hospitalization, exams, surgery, and treatment.
  • Primary Diagnostic Testing Maximums: This term also appears on your schedule of benefits and refers to the company’s cost limit for primary diagnostic testing. Providers generally make this allowance per bodily system. In many cases, this benefit limit does not extend to specialized diagnostic tests.
  • Schedule Of Benefits: The document provided to you when you sign up for your pet insurance policy. This document outlines conditions that the company covers under your plan and the monetary allowance provided for each diagnosis.
  • Secondary Diagnosis or Condition: If the vet treats your pet for a second condition resulting from a primary diagnosis, the benefits listed as a secondary diagnosis or condition will provide coverage. This secondary condition will receive financial reimbursement in addition to the primary diagnosis or condition.

Get Cat Insurance Quotes

Rather than taking our word for it, run price quotes with top recommended companies when you complete just one short form to get a better understanding of why pet insurance is a good investment for your cat.

If you aren’t sure whether you need pet insurance, read our Is Pet Insurance Worth It? overview. To learn about the other pet insurance carriers (beyond our top 3 picks), be sure to check out our pet insurance reviews.

Which cat insurance company do you trust most with your pet?



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