Best Cat Health Insurance Companies

Best Cat Health Insurance Companies

Best Cat Health Insurance Companies

Our furry feline friends might appear aloof and independent, but that doesn't mean we love them any less, and we definitely want to look after them if they are injured or unwell.

Vet bills can be unexpected and astronomical, and without appropriate insurance, you could be facing hefty out-of-pocket costs that could mean making a tough decision.

Cat insurance is a simple way to ensure that if the worst should happen, you can get the best care for your cat, whether they are ill or injured in an accident.

Designed to cover the cost of unexpected vet treatments and sometimes funding more routine care, cat insurance is usually composed of simple monthly or annual payments that provide cover up to a specific amount of care.

Part of the cost will be covered by you as the owner, depending on the level of deductible or excess that you pay for a claim and whether you will pay a percentage of the remaining charges.

Why Get Cat Insurance?

Cat insurance is there to ensure that you don't need to worry about finances when your pet is unwell or injured.

Considering that average vet bills for a pet cat are second only to dogs, insurance could be, literally, a lifesaver.

There is no legal requirement to have cat insurance, but as a responsible pet owner, it's worth being sure that you can afford to look after your furry friend. Everything from food to behavioral training and unexpected bills are all part of the package with a cat.

While a monthly or annual payment might seem like an unnecessary expense, investing in the right cat insurance offers peace of mind that could be considered priceless.

However, insurance isn't the only way to get this type of coverage. You might have savings that you can use or you could put away a set amount each month to cover unexpected costs.

There are several types of pet insurance available, and different policies are more suitable for different households and budgets.

  • Accident-only – Often the standard option, this is a low-cost option that covers emergency treatment for injuries. Some accident-only policies will also include some cover if your cat needs ongoing treatment following an accident.
  • Time-limited – Usually 12 months, this type of insurance allows you to claim multiple times over a set period – but you must pay for further treatment once the time has ended
  • Maximum Benefit – With this policy, there is a specified limit that you can claim back, and you must pay for any further treatment once the limit has passed
  • Lifetime – This is the most comprehensive type of insurance. With lifetime cover, you can claim for any new condition (up to a set amount), and the limit resets every year.

In some cases, insurance can be a better choice if ongoing costs begin to rise.

Relying on one simple monthly payment to cover your cat's health needs leaves your savings for other emergencies.

What Does Cat Insurance Cover?

Not all insurance policies are created equal. In fact, although there are major similarities regarding what is not covered, the specifics about injuries and illnesses that can be paid out are not always the same, so be sure to check the individual policy.

The usual coverage options on an accident and injury policy include:

  • Emergency treatment
  • Congenital and hereditary diseases
  • Dental trauma
  • Cancer care
  • Alternative therapies like hydrotherapy, acupuncture and chiropractic treatment
  • Diagnostics, like blood tests and x-rays
  • Euthanasia

Coverage does not usually include:

  • Care for pre-existing conditions
  • Older cats (some policies are not available for older cats)
  • Preventative procedures and routine care like vaccinations, spaying or neutering, and wellness visits (these are sometimes available as an add-on at extra cost)
  • Dental treatment (other than injury-related)
  • Burial or cremation

Key Things to Consider When Choosing Insurance for Your Cat

There are several things that you should consider when you are looking for the right cat insurance.

While it might seem like the most important factor is the monthly cost, it is worth remembering that cheap doesn't always mean good.

Level of Cover

The highest level of cover will usually have the largest annual limits, provide the most' extras' and therefore be pricier in terms of premiums.

If you have a pedigree cat or one that is predisposed to certain conditions, this might be the best type of cover for you.

Of course, the level of cover that you need for your pet depends entirely on your personal circumstances.

Out-of-Pocket Costs

Every cat insurance policy will have a premium which can be paid monthly or annually to provide a set amount of cover.

There are ways that you can make this monthly cost cheaper by adding other out-of-pocket costs to the bill at the time of treatment.

Some insurance policies have this built in as a set excess or deductible, while other policies might allow you to choose your own level of payment.

Co-payments are set as a percentage of the cost, and these can reduce the monthly premiums too. You can expect to have a fixed copay for most insurance policies for older cats.

Almost every insurance company requires you to pay for the fees upfront and reimburses you according to their own payout rules.

Ease of Claim

An insurance policy is only as good as the payout – so look for a policy that allows online claims and processes them quickly.

For some in-network vets and with some companies, the vet can put in the claim and get paid directly from the insurance company, so you only need to pay the required out-of-pocket expenses.

Telephone claims are usually quite quick, but postal claims can be a lengthy process and include lots of form-filling.

Your Cat

The cost of your policy, including excess, co-payment and reimbursement percentages, are based on the 'risk' level of your cat.

This means that the value, pedigree, and age of your cat are important to the insurance company and will have an impact on how much you will need to pay.

It is worth remembering that almost all insurers will not cover pre-existing conditions.

All these factors are important, not just the price, when making the decision on which cat insurance is best.

Best Cat Insurance Companies in the US

With almost all of the policies listed in this article, the monthly premium will depend on the selections you make regarding deductibles, co-payments and reimbursement, as well as your zip code/postal code and the age and type of cat you have.

Best Cat Health Insurance Companies
Best Cat Health Insurance Companies

1. Pet Assure

Pet Assure is a bit different from 'normal' cat insurance companies. It is a vet plan that you can enroll in through your employer.

Using a vet in the network, you will have instant access to discounts on all in-house medical services.

Cover Options and Fees

As this is not an insurance policy, there are no exclusions to cover other than specialist care that is not provided by an in-network vet.

The plan includes:

  • Routine care and vaccinations
  • Spaying or neutering
  • Dental
  • Surgical
  • Parasite screening
  • Cancer care

Non-medical procedures and prescription medication are not covered.

Pricing starts at $10 per month per pet, with no deductibles – the plan allows for discounts at the point of use.

Annual Limit

There is no limit to the number of claims that can be made using this service.

Advantages and Disadvantages

This service is a great option for cats who might have pre-existing conditions or those that might struggle to get cover elsewhere due to breeding, age or cost.

However, this is not insurance; rather, it is essentially a discount scheme that works as a vet-network discount scheme.

It is only available through your employer. If your employer does not offer coverage from Pet Assure, you will not be able to take advantage of the discounts available.

What Pet/Pet Owner This May Suit Best

This service is best for owners who might struggle to get more traditional pet insurance elsewhere.

Visit Pet Assure

2. ASPCA

The American Society for the Prevention of Cruelty to Animals (ASPCA) offers insurance that is accepted by any vet in the US and Canada.

Claims are simple to submit online, by phone and even via fax.

Reimbursement of costs can be made directly into your bank account or sent through the post.

Cover Options and Fees

There are two levels of coverage available: Accident-Only and Complete Coverage.

The Complete Coverage plan covers accidents, illnesses, hereditary conditions and behavioral issues, while the accident-only plan covers injuries.

Deductibles are set at three levels: $100, $250 or $500. Reimbursement levels are 70%, 80% or 90%.

There is a wellness policy available, which allows for preventative care, including wellness visits, vaccinations and dental coverage at either $9.95 for $250 a year, or $24.05 a month for $450 annual coverage. This is only available as an add-on to a policy.

Annual Limit

Depending on the coverage you need, you can choose an annual limit between $3,000 and $15,000.

Advantages and Disadvantages

All vets accept ASPCA insurance, and their service is well thought of by customers, with a great value wellness plan.

However, there is no option for an unlimited coverage plan, which means that if you need more than $15,000 of support for your pet in a year, you will need to meet these costs yourself.

What Pet/Pet Owner This May Suit Best

With a 10% discount for each additional pet insured, this is a great option for a multi-pet household.

Visit ASPCA

3. Healthy Paws

Healthy Paws is top-rated by consumers, and there are no caps on payouts for covered conditions and accidents.

99% of all claims are processed within two days, thanks to the simple online claims process, and coverage is designed to be straightforward.

Cover Options and Fees

The accident and illness plan from Healthy Paws covers:

  • Illness
  • Accidents
  • Hereditary conditions
  • Diagnostics like blood tests and x-rays
  • Prescription medications
  • Alternative treatments
  • Dental trauma
  • Chronic conditions
  • Emergency care
  • Specialty care

There is no coverage for pre-existing care, and examination fees are not covered either. Preventative care (routine appointments, vaccines and neutering or spaying) is also not included.

You can choose your deductible from $100, $250 and $500, with reimbursements available at 70%, 80% and 90%.

Annual limit

There are no annual limits for payouts with a Healthy Paws cat insurance policy.

Advantages and Disadvantages

The straightforward coverage is one of the biggest selling points of this package, alongside the uncapped payouts and lower-than-average premiums.

For older pets, you cannot customize the deductible or reimbursement level, and there is a $25 admin fee payable.

What Pet/Pet Owner This May Suit Best

This cat insurance is best for pet owners who just want simple and straightforward insurance without all the 'bells and whistles.'

Visit Healthy Paws

4. Embrace

Embrace is run and managed by pet owners and designed to allow cat owners like you to build their own policy based on what is needed. Embrace also offers stackable discounts, which can bring down prices by as much as 25%.

Cover Options and Fees

There are two types of policy available – accident-only, and accident and illness.

The accident and illness coverage includes:

  • Chronic conditions
  • Genetic conditions
  • Alternative therapies
  • Diagnostic services like x-rays, CTs and blood tests
  • Cancer care
  • Hospitalization and surgery
  • General, specialist and emergency care

There is no coverage available for pre-existing conditions or for animals that are used for breeding.

Deductibles for Embrace coverage start at $200, and cat owners can get 90% reimbursement for covered conditions.

There is a wellness add-on that includes routine appointments, grooming, flea treatments, vaccinations, training classes, spaying and neutering, as well as cremation or burial, which can have an annual limit of $250 to $650.

Annual Limit

Although not unlimited like some plans, the $30,000 annual limit is higher than most and should cover a cat owner's needs without too much worry.

Advantages and Disadvantages

The Embrace stackable discounts include multiple pets and military (for owners in the Air Force, Army, Marines, Navy or Coast Guard, but not available in New York state or Tennessee).

For every year that you insure your cat and do not claim, there is a vanishing deductible: $50 per year.

Rather uniquely for cat insurance, Embrace also offers coverage for prescription medications.

There is no unlimited coverage option or the opportunity for zero deductibles which can make the monthly premiums higher than some other policies.

What Pet/Pet Owner This May Suit Best

Embrace is suitable for a cat owner who wants an impressive amount of coverage with customizable payment options.

Visit Embrace

5. Pets Best

Launched as the first pet insurance company in the US in 1981, Pets Best rebranded in 2005, holding on to the same mission to prevent 'economic euthanasia,' where pets are put to sleep because their owners cannot afford the medical care needed.

Cover Options and Fees

There are two options available: a customizable accident and illness plan and a flat-rate accident-only plan.

There are three tiers of cover in the accident and illness plan:

  • Essential – Cancer care, hereditary conditions, accidents, illnesses, emergency care, surgery and prescription medications
  • Plus – As above, with the addition of coverage for exam fees
  • Elite – Same coverage as Essential and Plus, with alternative therapies like chiropractic care and acupuncture

This can be customized with a deductible from $50 to $1,000 and reimbursement of 70%, 80% and 90%.

The flat-rate accident-only plan is set with a $250 deductible, 90% reimbursement, and costs just $6 a month for cats.

There are also two levels of wellness add-ons that you can choose to cover routine care.

  • Essential – Pays up to a specified limit for examinations, vaccinations, microchipping, flea treatment and worming
  • Best – Pays slightly more for the above routine treatments and also covers spaying, neutering and teeth cleaning

None of the policies above cover pre-existing conditions, breeding animals, behavioral issues or any boarding.

Annual Limit

The annual limits for the accident and illness coverage are from $5,000 to unlimited.

For the accident-only plans, the annual limit is $10,000.

Advantages and Disadvantages

Pets Best offers 5% discount when you insure more than one pet, and the low monthly premiums, as well as customizable plans, make this cover flexible and suitable for most budgets.

Not all plans include examination fees, and the customization options can be a bit complicated.

What Pet/Pet Owner This May Suit Best

For cat owners who are prepared to work through complicated policies to get the best deals.

Visit Pets Best

6. 24PetWatch

As a subsidiary of the microchipping company PetHealth Inc, 24PetWatch offers both pet insurance and a lifetime pet-protection membership, which includes a vet helpline and access to lost pet-recovery specialists.

Cover Options and Fees

There are four levels of coverage for accident and illness that are available for cats, and although there is limited customization available, each plan has the same coverage options.

Coverage includes:

  • Examinations
  • Diagnostic services
  • Rehabilitation services
  • Hereditary and congenital conditions
  • Hospitalization and surgery
  • Prescription medications
  • Therapeutic food (50% discount, up to $100 a year)
  • Alternative therapies (up to $1,000 a year)

The Extra plan can have a deductible of $150 or $250, which is the entry-level plan. The most expensive plan has a deductible that you can choose, from $100 to $1,000.

There is also an add-on available to cover routine care, like wellness visits, spaying and neutering, some vaccinations and microchipping.

The 24PetWatch plans also cover some personal expenses like boarding, trip cancellations and lost pet recovery, with euthanasia and cremation as well as accidental death.

There is no coverage for pre-existing conditions or for cats used for breeding.

Annual Limit

Each plan level offers different annual limits of coverage:

  • Extra – Up to $3,000 a year
  • Classic – $5,000
  • Super – $10,000
  • Champion – $20,000

Advantages and Disadvantages

This coverage is extensive, and although there is limited customization available, there are many levels to suit all budgets.

It is worth noting that coverage is not available for cats older than 12 years, and there is no accident-only policy available.

What Pet/Pet Owner This May Suit Best

This insurer is most suitable for a cat owner who wants the maximum amount of coverage, including personal expenses, with a simple plan.

Visit 24PetWatch

Best Cat Health Insurance Companies
Best Cat Health Insurance Companies

Best Cat Insurance Companies in The UK

As with the US companies, monthly premiums for each insurer will depend on the level of coverage and the excess, as well as details about your cat and where you live.

7. Waggel

Waggel was launched in 2008, with the tagline "Pet insurance sucks – so we changed it." Describing itself as a 'pet members club,' there are a number of lifetime policies available that are the most comprehensive.

Cover Options and Fees

There are six policies available, all covering the same conditions with different annual limits. Each one is a lifetime policy.

Coverage includes:

  • Vet fees
  • Behavioral treatments
  • Dental issues due to illness or injury
  • Complementary treatments
  • Loss of a pet through theft or straying, or death through illness or accident

It doesn't cover routine care, pre-existing conditions, anything breeding-related or euthanasia.

The policy you choose will depend on the amount of excess and total annual coverage you are looking for. With excess available between £0 to £250, you can also choose a 20% co-payment option at the time of treatment to reduce the monthly premium.

Annual Limit

Each plan has a different annual limit that resets each year, so you can choose coverage between £1,000 and £10,000.

Advantages and Disadvantages

Waggel offers a simple online claims service and transparent policies created without jargon. The pet membership club with vet video calls and behavioral consultations is a nice touch for policyholders.

However, there isn't much difference between the plans except for the annual limits, and the lack of coverage for end-of-life might be off-putting for some cat owners.

What Pet/Pet Owner This May Suit Best

This insurance is best suited for cat owners who are looking for straightforward coverage without add-ons and with extensive support from vets on the phone.

Visit Waggel

8. Petplan

Petplan might be one of the most well-known pet insurance companies in the UK, and with more than 40 years of experience behind them, it is no surprise that they already insure more than 1.3 million pets.

Cover Options and Fees

There are two types of policy available, either lifetime or time-limited:

  • Essential – Time-limited, £75 excess. Pays up to the annual limit per condition for 12 months
  • Classic – Lifetime policy, £95 excess. Covers most vet services up to the annual limit
  • Classic+ – Lifetime, £95 excess. Coverage is available for most vet services, including complementary treatments and missing pets, as well as the death of a pet
  • Ultimate – Lifetime plan, with a £95 excess. Includes coverage for most vet treatments, as well as offering access to a legal helpline

Annual Limit

The annual limits for each plan are as below:

  • Essential – £3,000 per condition for 12 months
  • Classic – £4,000
  • Classic+ – £7,000
  • Ultimate – £12,000

Advantages and Disadvantages

With Petplan insurance, your vet can make a claim direct, saving you the hassle of filling out claim forms. Petplan attest to paying out 90% of claims within five days.

Claiming yourself is also straightforward.

However, there is no coverage for pre-existing conditions, the excess is payable on each claim rather than once a year, and there is a 20% co-payment added for older cats.

What Pet/Pet Owner This May Suit Best

Petplan insurance is suitable for cat owners who want the benefit of using a well-known insurer, with the knowledge that they may not have to make a claim themselves.

Visit Petplan

9. Bought by Many

In 2019, Moneywise awarded Bought by Many the title of 'Most Trusted Pet Insurance Provider.' Their simple, straightforward policies are all lifetime annual limit policies, giving the most comprehensive coverage.

Cover Options and Fees

When considering what is covered by Bought by Many insurance for your cat, it is probably easier to look at what isn't included, namely, just routine or preventative care.

Some plans do not offer coverage for pregnancy complications, and there is only one available plan suitable for cats with pre-existing conditions.

  • Value – Excess of £69 or £99
  • Pre-Existing – Excess is set at £99, but this also covers pregnancy complications, as well as pre-existing conditions (with certain exclusions)
  • Regular – Choose an excess between zero and £99, with all the coverage you need including for pregnancy complications
  • Complete – Excess either £69 or £99, with extra coverage for overseas travel, pet-minding and recovery of lost or stolen cats

Annual limit

  • Value – £3,000 per year
  • Pre-Existing – £7,000 per year, with $500 towards pre-existing conditions in the first year, and £1,000 in the second year
  • Regular – £7,000
  • Complete – £15,000

Advantages and Disadvantages

The wide level of coverage, including for pre-existing conditions and pregnancy, makes Bought by Many a great choice, alongside simple online claims and great customer support.

However, it is worth noting that cats over the age of nine do not have death coverage, and there is a set 20% co-payment with a fixed excess of $99 for any claims.

What Pet/Pet Owner This May Suit Best

This insurance is perfect for breeders or for pets with pre-existing conditions, as long as they meet the criteria.

Visit Bought by Many

10. More Than

More Than was launched in 2001 and offers multiple insurance options, including home and car insurance as well as pet insurance. A well-known name in the industry, their Rewards scheme offers discounts on premiums on renewal through shopping at certain high-street retailers.

Cover Options and Fees

There are seven plans available with More Than, and the covered conditions are broadly similar in each.

None of the plans cover pre-existing conditions or routine care, and they also do not provide cover for breeding more than two litters.

For all plans, the excess is set at £100, with an optional co-payment of 10% or 20%, which will reduce the premiums.

The Premier plan has the most coverage, including complementary treatment, dental, death from illness or injury, cremation or burial, and personal costs like trip cancellation and emergency boarding.

The Classic plan offers the same as the Premier plan, except cremation and burial is an optional extra.

The Basic plan covers some costs towards complementary treatments, dental and death through illness or injury. However, euthanasia, cremation, loss or theft and any personal expenses are optional extras.

Annual Limit

  • Basic – £1,500 or £3,000 per year
  • Classic – £4,000 or £8,000 per year
  • Premier – £4,000, with a condition limit of £1,000 per year, or £12,000 with a condition limit of £4,000 per year

Advantages and Disadvantages

More Than offers a multi-pet discount, and the online claim portal is simple to use. There is also a Vetfone helpline, and the Reward scheme can help make renewals cheaper.

Cats over the age of nine have a compulsory co-payment of 20%, and the Premier plan might have higher annual limits, but the condition limits could make an ongoing problem more expensive in the long run.

What Pet/Pet Owner This May Suit Best

More Than insurance is best suited to multiple pet households because of the discounts available.

Visit More Than

11. Purely Pets

Voted as the 'Best Pet Insurance Provider' in 2019, Purely Pets has 5* Defaqto rated products and simple, straightforward coverage suitable for almost every cat.

Cover Options and Fees

All policies are lifetime and exclude cats that have had more than two litters in their lifetime and pre-existing conditions. Each policy also includes a set amount of annual payment available for certain treatments.

For Bronze, Silver and Gold policies, the excess starts at £60 and covers payments towards normal vet treatment, as well as complementary treatments, dental trauma, special diets, death from injury or illness, boarding fees, loss or theft, advertising and rewards, boarding fees and holiday cancellations.

There is an optional 30% co-payment available for pets up to the age of six, which brings down the monthly premium cost.

Annual Limit

  • Bronze – £1,000 to £5,000
  • Silver – £6,000 to £10,000
  • Gold – £11,000 to £15,000

Advantages and Disadvantages

Purely Pets offers a 10% multi-pet discount, and the simple policies make it easy to choose the most appropriate level of care. Dental issues related to illness are also covered after 12 months, and the 24-hour vet helpline is a great perk.

The optional 20% co-payment becomes compulsory once your pet reaches six years old, which is considerably younger than pets covered by other policies.

What Pet/Pet Owner This May Suit Best

Cat owners with more than one pet, or owners who want to be able to call a vet for advice rather than attending the surgery.

Visit Purely Pets

12. Vets Medi Cover

Known for high-quality, caring pet insurance, Vets Medi Cover offers four different plans that include both time-limited and lifetime coverage, depending on your needs.

Cover Options and Fees

  • Silver – Time-limited to 12 months, with coverage available up to stated limits for dental, hereditary and congenital conditions, euthanasia, complementary therapies, loss or theft, and up to three months of cover abroad

  • Gold, Platinum and Diamond – Lifetime plans include prescription food as well as payments towards all the conditions listed above, and coverage of pre-existing conditions as long as the cat has been asymptomatic for 24 months and not needed any vet care

All plans have a set excess of £90.

For cats aged four and up, there is a 10% co-payment, which increases to 20% when the cat reaches the age of six.

There is no coverage available for pets over the age of eight when the policy starts.

Annual Limit

  • Silver – Up to £2,000 for 12 months
  • Gold – £4,000
  • Platinum – £6,000
  • Diamond – £10,000

Advantages and Disadvantages

The coverage for pre-existing conditions available through these plans is great for owners.

However, this insurance does not cover out-of-hours treatment unless it is essential to save a cat's life, and all pets must be up to date with vaccines.

What Pet/Pet Owner This May Suit Best

This is the best choice for owners who have a cat with pre-existing conditions.

Visit Vets Medi Cover

Final Thoughts

There are any number of great options for cat insurance, as well as some ways of paying for veterinary care that isn't insurance.

While it might be tempting to go for the cheapest monthly payments, this might not be the most appropriate option for your cat, especially if they are a pedigree, used for breeding, or suffering from pre-existing conditions.

These companies are great starting points, but it is essential that you do your own research to find the best option for you and your cat.


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