Comprehensive Cat Insurance Comparison
24PetWatch
About: 24PetWatch specializes in comprehensive plans for cats, covering accidents, illnesses, and some routine care. They also provide lost pet recovery services and microchip registration.
Starting Price: $35/month
Deductible: $100 - $1,000
- Includes microchip registration
- Lost pet recovery services
- Comprehensive accident and illness coverage
Pros:
- Unique recovery services for lost cats
- Comprehensive illness and accident coverage
Cons:
- Higher premiums compared to competitors
- Limited routine care options
AKC Pet Insurance
About: AKC Pet Insurance offers customizable plans for cats, including coverage for hereditary conditions. They are an excellent option for owners looking for tailored coverage for purebred cats.
Starting Price: $25/month
Deductible: $100 - $1,000
- Customizable plan options
- Coverage for hereditary conditions
- Affordable premiums
Pros:
- Tailored coverage for purebred cats
- Budget-friendly options
Cons:
- No coverage for pre-existing conditions
- Claims processing can be slow
Animalia
About: Animalia provides holistic coverage for cats, including accidents, illnesses, and alternative therapies. They focus on overall wellness, offering a unique option for cat owners who prioritize preventive care.
Starting Price: $20/month
Deductible: $200 - $1,000
- Covers alternative therapies
- Affordable monthly premiums
- Comprehensive accident and illness plans
Pros:
- Focus on holistic cat wellness
- Flexible and affordable plans
Cons:
- Limited routine care options
- Shorter claims filing window
Fetch by The Dodo
About: Fetch offers up to 90% reimbursement on vet costs, with no upper age limit for cats. Their comprehensive accident and illness plans are perfect for aging felines.
Starting Price: $35/month
Deductible: $250 - $1,000
- Up to 90% reimbursement
- No upper age limit for coverage
- Comprehensive accident and illness plans
Pros:
- High reimbursement rates
- No age restrictions for cats
Cons:
- Higher premiums for older cats
- No routine care coverage
Figo
About: Figo offers cloud-based pet health management and customizable insurance plans, making it an excellent choice for tech-savvy cat owners. Their app provides 24/7 virtual vet access.
Starting Price: $30/month
Deductible: $100 - $750
- Cloud-based pet health app
- 24/7 virtual vet access
- Customizable plans for any need
Pros:
- Innovative tech solutions for pet care
- Flexible and comprehensive coverage
Cons:
- Higher premiums for older cats
- No routine care options included
Healthy Paws
About: Healthy Paws is known for offering unlimited lifetime benefits with no caps on claims. Their simple, easy-to-understand plans provide excellent value for cat owners.
Starting Price: $25/month
Deductible: $100 - $750
- Unlimited lifetime benefits
- No annual or lifetime caps
- Quick claims processing
Pros:
- No payout limits on claims
- Simple and comprehensive plans
Cons:
- Does not cover preventive care
- Premiums may increase with age
Embrace Pet Insurance
About: Embrace provides customizable plans for cats with a unique diminishing deductible feature that rewards claim-free years. Their Wellness Rewards add-on helps cover routine care.
Starting Price: $13/month
Deductible: $200 - $1,000
- Diminishing deductible rewards
- Wellness Rewards program for routine care
- Coverage for alternative therapies
Pros:
- Highly customizable plans
- Comprehensive wellness add-ons available
Cons:
- Higher premiums for older cats
- Does not cover pre-existing conditions
Nationwide Pet Insurance
About: Nationwide is one of the most trusted providers for cats, offering comprehensive plans and optional wellness coverage. They are a top choice for multi-pet households, including exotic pets.
Starting Price: $35/month
Deductible: $250 - $1,000
- Covers exotic pets along with cats
- Optional wellness coverage for routine care
- Comprehensive accident and illness plans
Pros:
- Excellent option for multi-pet households
- Wellness plans available
Cons:
- Higher premiums for exotic pets
- Claims processing times may vary
Fetch by The Dodo
About: Fetch provides extensive accident and illness coverage for cats with reimbursement rates up to 90%. They are ideal for aging cats, as there’s no upper age limit for coverage.
Starting Price: $35/month
Deductible: $250 - $1,000
- Reimburses up to 90% of vet bills
- No upper age limit for cats
- Comprehensive accident and illness coverage
Pros:
- High reimbursement rates
- Excellent coverage for senior cats
Cons:
- Premiums increase with pet age
- No routine care options included
Pumpkin Pet Insurance
About: Pumpkin focuses on preventive care for cats, offering wellness packages that cover routine exams, vaccinations, and essential treatments. They also provide comprehensive accident and illness plans.
Starting Price: $30/month
Deductible: $100 - $500
- Preventive care coverage available
- High reimbursement rates
- Easy-to-understand plans
Pros:
- Wellness packages for routine care
- Simple and clear coverage options
Cons:
- Higher premiums for wellness add-ons
- Does not cover alternative therapies
Spot Pet Insurance
About: Spot offers flexible insurance plans for cats, allowing owners to customize their deductible and reimbursement rates. Their plans cover behavioral therapies and accidents, along with illnesses.
Starting Price: $25/month
Deductible: $100 - $1,000
- Customizable coverage options
- Covers behavioral therapies
- No upper age limit for cats
Pros:
- Highly customizable plans
- Comprehensive behavioral therapy coverage
Cons:
- Routine care not included in base plans
- Claims processing may take time
Trupanion
About: Trupanion stands out by directly paying veterinarians for covered treatments, eliminating reimbursement claims. Their comprehensive plans include 90% coverage with no payout limits.
Starting Price: $59/month
Deductible: $0 - $1,000
- Direct payment to participating vets
- 90% reimbursement for eligible treatments
- No payout limits
Pros:
- Convenient direct payment system
- Comprehensive and simple plans
Cons:
- Premiums are higher than average
- No routine care or exam fee coverage
TrustedPals
About: TrustedPals provides flexible and customizable insurance plans for cats of all ages. They allow you to choose your reimbursement rates and deductibles, making it easy to find a plan that fits your budget.
Starting Price: $20/month
Deductible: $100 - $750
- Flexible reimbursement and deductible options
- Covers cats of any age
- Comprehensive accident and illness coverage
Pros:
- Highly flexible plan customization
- Coverage for senior cats
Cons:
- Routine care not included
- Claims processing times may vary
ASPCA Pet Insurance
About: ASPCA Pet Insurance offers affordable plans for cats, covering accidents, illnesses, and behavioral therapies. Optional wellness add-ons help cover routine care costs.
Starting Price: $20/month
Deductible: $100 - $500
- Behavioral therapy coverage included
- Optional wellness add-ons available
- Comprehensive accident and illness plans
Pros:
- Behavioral therapy included in base plans
- Budget-friendly starting price
Cons:
- Wellness coverage costs extra
- Claims processing may take longer
Prudent Pet Insurance
About: Prudent Pet provides highly customizable plans, including wellness care add-ons for routine exams and vaccinations. Their accident and illness coverage is comprehensive and backed by a 24/7 vet helpline.
Starting Price: $18/month
Deductible: $100 - $1,000
- Highly customizable coverage
- Wellness add-ons available
- 24/7 vet helpline included
Pros:
- Flexible and comprehensive plans
- Wellness care options
Cons:
- Routine care requires additional cost
- Premiums can increase with pet age
Odie Pet Insurance
About: Odie offers affordable insurance options for cats, with low-cost wellness care add-ons for preventive treatments. Their simple pricing structure appeals to budget-conscious cat owners.
Starting Price: $10/month
Deductible: $50 - $1,000
- Affordable premiums
- Low-cost wellness add-ons
- Comprehensive accident and illness plans
Pros:
- One of the most affordable options
- Easy-to-understand plans
Cons:
- Limited plan customization
- No coverage for pre-existing conditions
Bivvy
About: Bivvy provides simple and affordable flat-rate plans for cats. Their focus is on accident and illness coverage without complex options, making it ideal for budget-conscious pet owners.
Starting Price: $10/month
Deductible: $50
- Flat-rate pricing for all pets
- Covers accidents and illnesses
- Simple, easy-to-understand plans
Pros:
- Very affordable monthly cost
- Streamlined, no-frills coverage
Cons:
- No routine care coverage
- Limited reimbursement options
PetFirst Pet Insurance
About: PetFirst offers customizable plans for cats, with optional wellness care add-ons. Their straightforward coverage makes them a great choice for first-time pet insurance buyers.
Starting Price: $15/month
Deductible: $50 - $500
- Customizable coverage options
- Optional wellness care add-ons
- Quick claims processing
Pros:
- Flexible and affordable plans
- Wellness coverage available
Cons:
- Limited coverage for alternative therapies
- Not ideal for older cats
MetLife Pet Insurance
About: MetLife offers customizable plans for cats, with fast claims processing and coverage for chronic and hereditary conditions. Their plans appeal to busy pet owners who want simplicity and reliability.
Starting Price: $15/month
Deductible: $50 - $500
- Quick claims processing
- Coverage for chronic and hereditary conditions
- Flexible plan options
Pros:
- Fast reimbursement times
- Comprehensive accident and illness coverage
Cons:
- No routine care coverage
- Higher premiums for extensive coverage
Hartville Pet Insurance
About: Hartville provides comprehensive plans for cats, including accident, illness, and exam fee coverage. They also cover alternative therapies like acupuncture and chiropractic care.
Starting Price: $25/month
Deductible: $100 - $1,000
- Comprehensive accident and illness coverage
- Exam fee coverage included
- Alternative therapy options
Pros:
- Wide range of coverage options
- Includes alternative treatments
Cons:
- Premiums can increase with age
- No routine care coverage
