2025 Cat Insurance Company Reviews
Where are the best places to get cat insurance? Have you ever had to take a furry friend to an unexpected vet visit and been stunned by the cost of care? Cats, dogs, and everything in between need their vet visits sometimes (no matter how well we take care of our pet friends). It's a stressful event no matter what, but especially if you have a cat.
Best Option
- Main plan from $15.14 to $76.14 per month
- Add-ons from $5.48 to $5.84 per month
- One coverage plan
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Embrace is a cat insurance provider that focuses on personalized care, quick claims, and giving back. The company offers one main Accident and Illness plan that can be customized with flexible deductibles, reimbursement rates, and affordable add-ons like prescription coverage. With an "A+" BBB rating, and praise for fast reimbursements and friendly service, Embrace stands out as our top pick for a trustworthy choice for pet owners who want flexible and affordable cat insurance.
Great
- Plans from $14.99 to $131.51 per month
- One add-on for $14.95
- 3 plans to choose from
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Pumpkin offers well-rounded cat insurance plans that cover everything from emergencies to dental and behavioral care, making it a strong choice for full protection. With an "A+" BBB rating and a 4.8-star average on Trustpilot, Pumpkin earns high praise for quick reimbursements and excellent support. For these reasons, it stands out as one of the best-reviewed cat insurance options for pet owners who want comprehensive coverage.
Great
- Plan is either $9.95 per month or $79 per year
- Discounts at a flat 25%
- Flat-rate costs at all times
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Pet Assure offers a unique approach to cat insurance by providing an instant 25% discount on vet services instead of traditional reimbursement-based coverage. The service works with participating veterinarians for everything from wellness visits to diabetes care. With an "A+" BBB rating and simple sign-up process, Pet Assure is a smart pick for cat owners who want affordable savings without deductibles or waiting periods.
Great
- Plans from $3.79 to $126.50 per month
- Add-ons from $9.11 to $23.04 per month
- 2 coverage types
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Spot offers flexible cat insurance with two main plan types, so pet owners can choose coverage that fits both their cat's needs and their budget. Spot holds an "A+" BBB rating, a high customer rating on Trustpilot, and earns high marks for easy claim submissions and thorough coverage. While costs are somewhat higher than competitors, it still offers impressive benefits overall.
Very Good
- Plans from $7.48 to $63.91 per month
- Three plan types
- Some pricing flexibility
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Nationwide offers cat insurance with flexible plans with low starting prices, making it one of the most affordable options for cat owners, if you're okay with basic coverage. The company provides three plan types, including accident-only, accident and illness, and a customizable option with wellness coverage. With its strong reputation, "A+" BBB rating, and the ability to bundle policies, Nationwide is a dependable choice for cat owners who want affordable coverage from a trusted insurer.
Very Good
- Main plan from $37.26 to $84.69 per month
- Only one add-on included for $15.78
- One coverage plan
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Fetch is a cat insurance provider available in the US and Canada that covers a wide range of needs, from vet visits to dental care, starting for kittens as young as six weeks old. The company offers one main comprehensive plan with optional preventative care add-ons. With an "A+" BBB rating, a good Trustpilot score, and consistent praise for its fast reimbursements and helpful support team, Fetch is a strong pick for cat owners who want dependable, full-coverage protection.
Good
- Pricing per plan from $22.88 to $44.76 per month
- Add-ons from $3.33 to $18.22 per month extra
- One suggested plan
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Lemonade offers customizable cat insurance that uses AI to build plans tailored to your pet's needs. Coverage includes diagnostics, treatments, and medication, plus optional add-ons for wellness visits or dental care, making Lemonade one of the more flexible and affordable choices. While the fast claims process and low prices are appealing, the heavy reliance on chatbots instead of live agents can make customer support feel less personal.
Average
- Plan pricing from $7.15 to $45.42 per month
- Add-ons from $18.68 to $28.20
- 2 add-ons and 3 plans
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Pets Best offers flexible cat insurance plans that cover everything from accidents and illnesses to specialized care like acupuncture and rehab. The company features three main options: Essential, Plus, and Elite. While Pets Best has mixed reviews and a low BBB rating, its customizable yearly deductible and add-ons make it an affordable option for cat owners seeking protection.
Average
- Plans range from $7.76 to $70.53 per month
- Add-ons from $9.64 to $16.50 per month
- Three standard plans
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Figo is a flexible cat insurance provider that lets pet owners customize coverage or pick from three pre-made plans, with options that range from basic to unlimited reimbursement. While Figo earns praise for its easy-to-use app and quick claims process, some pet owners report issues with denied claims. So, it is best suited for those who want customizable coverage and don't mind double-checking the fine print.
Fair
- Complete coverage from $21.94 to $65.39 per month
- Add-ons from $7.85 to $19.75 per month
- Offers Accident-Only coverage also
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ASPCA Pet Insurance has been helping pet owners since 1997 and offers cat insurance plans through PTZ Insurance Agency, Ltd. The company provides Complete Coverage and Accident-Only plans with optional Preventive Care add-ons, giving you flexibility depending on your cat's needs and budget. While ASPCA Pet Insurance has an "A+" BBB rating through its provider and solid reviews for customer service, some pet owners report denied claims, which raises some questions about reliability. Try a cat insurance plan from a higher-ranked provider before signing up with ASPCA.
Subpar
- Plans from $50.52 to $209.15 per month
- Add-ons from $4.95 to $27.70 per month
- 1 coverage type
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Trupanion offers cat insurance with unlimited payouts and a 90% reimbursement rate, making it one of the most comprehensive plans available. Monthly costs range quite high, and optional add-ons like recovery care or travel protection can significantly increase the total. With an "A+" BBB rating and a 4.3-star average on Trustpilot, Trupanion earns praise for quick claims but receives a lower rating in our review due to its higher-than-average prices and lack of vet visit coverage options.
Weak
- Plan pricing from $23.37 to $58.42 per month
- One suggested plan
- One custom plan
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Healthy Paws offers a single cat insurance plan with unlimited annual coverage and flexible deductible and reimbursement options, but it lacks wellness add-ons or extra plan choices. Pricing depends on customization, and it can come out fairly costly when all is said and done. While Healthy Paws earns strong marks from the Better Business Bureau, confusing deductible calculations and mixed customer feedback make this provider less appealing for those who want a straightforward and transparent cat insurance policy.
Continued from above...
Where Are the Best Places to Get Cat Insurance?
Have you ever had to take a furry friend to an unexpected vet visit and been stunned by the cost of care? Cats, dogs, and everything in between need their vet visits sometimes (no matter how well we take care of our pet friends). It's a stressful event no matter what, but especially if you have a cat.
Wrangling a hissing, scratching, unwell kitty into a carrier is hard at the best of times, and knowing you've got vet bills on the way makes it that much worse. However, modern veterinary medicine offers some alternatives, such as cat insurance. Yep, your kitty baby can get some extra TLC at reasonable deductibles, just by getting some cat insurance - just like humans.
Cat insurance as a whole is a relatively new concept compared to the long history of health insurance for humans. The very first pet insurance policy was written in Sweden in the early 1900s, but it took many decades for the idea to spread widely. In the United States, the first pet insurance policy wasn't issued until 1982, when TV's famous dog Lassie was covered. Since then, the industry has grown quickly, and cat insurance has become an increasingly popular option for pet owners who want to protect their furry companions.
One of the main reasons cat insurance is becoming so accessible is the growth of online providers. Instead of searching through local offices or waiting for referrals, you can compare multiple plans with just a few clicks. Many cat insurance websites allow you to filter options based on your cat's age, breed, and specific health needs, making the process far less overwhelming. With digital tools and easy-to-understand explanations, finding the right plan online has removed many of the obstacles that used to discourage people from getting coverage for their pets.
Cost is another factor that makes cat insurance an easy choice. Vet bills for emergencies, surgeries, or ongoing treatments can add up to thousands of dollars, often with no warning. For example, conditions like bladder crystals are really common in male cats, and we've been quoted over $2,000 for life-saving emergency procedures at the vet (!). Having insurance in place spreads those costs into predictable monthly premiums, which, even added up annually, are less costly than standard vet bills. The savings from cat insurance can be the difference between being able to provide life-extending care for your furry family member and struggling to cover the expense out of pocket.
If you're ready to grab some extra peace of mind for you and your cat, signing up for cat insurance as preventive care is a great next step. However, it can be hard to know which providers to trust. To help you choose, we've put together some factors that will set the top picks apart from the rest:
- Plans provided. When you're looking for cat insurance, you're going to want to make sure your chosen provider has different options. That way, if you need to change your coverage over time, you don't have to go through the process of finding a new cat insurance provider down the road. Lots of options make it easy to see how to protect your cat best, all in one place.
- Website tools. The cat insurance site you choose should be easy to browse, and offer features like side-by-side comparison and quick looks at all the necessary insurance details. Make sure you pick a cat insurance provider that offers high levels of transparency and ease of use when you're signing up for your plan.
- Cost. At the end of the day, you're trying to reduce pet costs, so finding cat insurance that doesn't break the bank is a must-have. Check with the different plans and add-ons to be sure that your month-to-month payments for cat insurance make sense against your potential savings at the vet.
- Reviews. Finally, to make sure a cat insurance provider is reliable, you'll want to check it out on verified third-party review sites. Looking up the details for your cat insurance company on places like Trustpilot and Sitejabber can give you a clear idea of what other cat owners think of the coverage and support. And don't forget to look at the Better Business Bureau scores too.
If you've got a cat, we know you treat them like family (because they are), and cat insurance can give you the reassurance that you'll be able to afford their care - from kittenhood all the way up to that grumpy older-cat stage. Whether you have a perfectly healthy kitty throughout its life or you end up with a furbaby with feline diabetes, you want to make sure that everything is accounted for. With that in mind, Top Consumer Reviews has researched and ranked the top cat insurance providers out there today. That way, you can find the pick of the litter (pun intended) and go back to enjoying cuddle time with your kitty worry-free!
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