Best Pet Insurance For Cats: A 2026 Guide to Saving on Vet Bills

Kimberly AltJuly 22, 2025

0 12 minutes read

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Unexpected vet bills can flip your life upside down. Imagine a $3,000 surgery with no safety net.

Table of Contents

Pet insurance isn’t a luxury — it’s a lifeline. Let’s explore how to protect your cat and your wallet.

Insurer	Ranking
	Best Overall
	Best Dental Coverage
	Best For Unlimited Payouts
	Highest Reimbursement Coverage
	Best Behavioral Coverage
	Mos t Affordable
	Best For Direct Vet Payments

Pets Best Review

Pros

Superior dental coverage
No upper age limits
Possible direct vet payments if the vet consents
One of the most affordable options

Cons

Exam fees & alternative therapy require an upgrade
6 month wait for cruciate ligament issues

Compare Plans →

Cat premiums average $21-$34/month

Affordable & Broad Coverage

Pets Best offers a rare combo of affordability and broad coverage.
It’s a top pick for pet parents who want flexible, customizable plans without breaking the bank.

Customizable Plans

You can tailor your policy to include extras like exam fees, acupuncture, rehab, and chiropractic care. Pick what fits your cat’s needs and your budget.

Pet’s Best’s Annual Coverage Limit can be changed to $5,000 or $10,000.

No Age Limits

Senior cats are welcome, and full coverage is available at any age. That means peace of mind from kitten to golden years.

At A Glance

Age Restrictions	7+ weeks, no upper limit
Waiting Periods	3 days (accidents) 14 days (illnesses) 6 months (cruciate)
Claim Processing	~10 days
Plans	Accident & illness Accident-only Wellness add-ons
Reimbursements	70%, 80%, 90%
Deductibles	$50, $100, $200, $250, $500, $1,000
Payouts	$5K, $10K, unlimited

Fetch Review

Pros

Alternative therapies, massage therapy, supplements & exam fees included
Superior dental coverage
Coverage starts at 6 weeks old
Claims back in as little as 2 days

Cons

6-month wait for cruciate ligaments & hip dysplasia

Compare Plans →

Sample cat rate: $23.75*

*Rate is based on a 1-year-old Ragdoll in NY (14211) with a $5,000 annual limit, $400 deductible, and 90% reimbursement.

Comprehensive Coverage

Fetch stands out for its wide-ranging coverage — including treatments many insurers exclude.

Covered therapies: Acupuncture, physical therapy, hydrotherapy, chiropractic care, massage, and laser therapy
Behavioral therapy & VirtualVet visits: Up to $1,000/year each
Exam fees included at no extra cost

Early Enrollment

Coverage starts at just 6 weeks old, making it a smart choice for early planning.

Unique Perks

Lost pet perks like advertising and reward reimbursements are also included — peace of mind if your furry escape artist makes a break for it.

At A Glance

Age Restrictions	6+ weeks, no upper limit
Waiting Periods	0 days (accidents) 15 days (illnesses) 6 months (cruciate & hip dysplasia)
Claim Processing	~6 days
Plans	Accident & illness Wellness add-ons
Reimbursements	70%, 80%, 90%
Deductibles	$250, $300, $400, $500, $700
Payouts	$5K, $10K, $15K, unlimited

Healthy Paws Review

Pros

Unlimited claim payouts available
50% of claims paid within 2 days
Shorter cruciate wait: Just 15 days
Possible direct vet payments if approved

Cons

12-month wait for hip dysplasia (and not covered if enrolled after age 6)
No wellness plan available
Limited coverage for senior pets

Compare Plans →

Sample cat rate: $15.83*

*Rate is based on a 1-year-old Ragdoll in NY (14211) with unlimited coverage, $500 deductible, and 80% reimbursement.

Unlimited Coverage, No Caps

Healthy Paws offers unlimited annual and lifetime coverage on every plan — no payout caps, ever.

After you meet your deductible, you’re reimbursed for all eligible treatments, including chronic and emergency care.

Helps Prevent Economic Euthanasia

Economic euthanasia happens when a pet is put down not due to a lack of treatment options but because care is too expensive.

With unlimited payouts, Healthy Paws helps prevent this outcome — so cost isn’t what decides your pet’s future.

Affordable

Healthy Paws is one of the most affordable unlimited-coverage options on the market.

Its simple, all-in-one structure makes it ideal for pets with serious or chronic conditions — as long as you enroll before any symptoms appear.

At A Glance

Age Restrictions	8+ weeks, no older than 14
Waiting Periods	15 days (accidents & illnesses) 12 months (hip dysplasia)
Claim Processing	~2-15 days
Plans	Accident & illness
Reimbursements	50%, 60%, 70%, 80%
Deductibles	$250, $500, $750, $1,000
Payouts	Unlimited

Figo Review

Pros

1-day accident waiting period
100% reimbursement option available
One of the most affordable unlimited plans
Diminishing deductible over time with no claims

Cons

Exam fee coverage costs extra (optional add-on)
6-month wait for orthopedic conditions

Compare Plans →

Sample cat rate: $20.96*

*Rate is based on a 1-year-old Ragdoll in NY (14211) with a $5,000 annual limit, $500 deductible, and 90% reimbursement.

Fast, Flexible, and Feature-Packed

Figo offers 100% reimbursement and a short accident waiting period — perfect for pet parents who want fast, full coverage.

Tech-Friendly Perks

Fast claim processing — average of just 3 days
Intuitive mobile app
Unique Pet Cloud to connect with other pet owners

Customizable & Holistic

Customizable plans and competitive pricing make Figo stand out.

It also covers alternative therapies like acupuncture and chiropractic care.

Diminishing Deductible

Stay claim-free, and your deductible drops by $50 each year — until it hits $0.

At A Glance

Age Restrictions	8+ weeks, no upper limit
Waiting Periods	1 day (accidents) 14 days (illnesses) 6 months (orthopedic conditions)
Claim Processing	~3 days
Plans	Accident & illness Wellness add-ons
Reimbursements	70%, 80%, 90%, 100%
Deductibles	$100, $250, $500, $750
Payouts	$5K, $10K, unlimited

Embrace Review

Pros

Behavioral therapy, alternative care, gum disease & tooth extractions all included
Diminishing deductible ($50 off each claim-free year)
Short accident wait (2 days)
Fast claims (avg. 5 days)

Cons

Only accident coverage available if enrolled after 15th birthday
Exam fees and prescriptions cost extra (available via add-ons)

Compare Plans →

Cat premiums average $8-$38/month

Strong Dental & Illness Coverage

Embrace offers comprehensive accident & illness coverage, including dental care for all teeth — not just the canines.

Covers tooth extractions (accidents and illness)
Endodontic disease treatment included

Behavioral Coverage That Goes Beyond

Covers behavioral treatments for cats when administered by a veterinarian for a covered condition — a rare benefit many insurers leave out.

Diminishing Deductible & Fewer Exclusions

With each claim-free year, your deductible drops $50 — until it hits $0.

Embrace also has fewer exclusions than most, making it a strong pick for thorough, long-term protection.

At A Glance

Age Restrictions	6+ weeks, no older than 14 for illness coverage
Waiting Periods	2 days (accidents) 14 days (illnesses) 6 months (cruciate, hip dysplasia, intervertebral disc disease [IVDD], patellar luxation)
Claim Processing	~5 days
Plans	Accident & illness Accident-only Wellness add-ons
Reimbursements	70%, 80%, 90%
Deductibles	$100, $250, $500, $750, $1,000
Payouts	$2K, $5K, $8K, $10K, $15K, unlimited

Lemonade Review

Pros

Affordable, customizable plans tailored to your needs
AI-powered claims processing = super fast payouts
Bundling discounts with other Lemonade policies (home, renters, etc.)
Donates to charities you choose

Cons

Limited availability (not offered in all states)
Newer to pet insurance than many competitors
Age-based breed restrictions may limit coverage options

Compare Plans →

Cat premiums average $27/month

Fast, Affordable, and Growing Fast

Lemonade launched pet insurance in 2020 and quickly made waves with low premiums and blazing-fast, AI-driven claims. (Some are reimbursed in minutes!)

Great for Budget-Conscious Pet Parents

Lemonade offers customizable plans at a lower cost than many competitors — ideal for those seeking value without skimping on speed.

Not Nationwide (Yet)

It’s not available in all 50 states, but Lemonade is expanding — and definitely one to watch.

At A Glance

Age Restrictions	8+ weeks, breed-based maximums
Waiting Periods	2 days (accidents) 14 days (illnesses) 30 days (orthopedic conditions) 6 months (cruciate)
Claim Processing	~2 days
Plans	Accident & illness Wellness add-ons
Reimbursements	60%, 70%, 80%, 90%
Deductibles	$100, $250, $500, $750
Payouts	$5K, $10K, $20K, $50K, $100K

Trupanion Review

Pros

Unlimited lifetime payouts on all plans
Vet Direct Pay — Trupanion pays the vet directly, no waiting for reimbursement
30-day wait for cruciate ligament issues & hip dysplasia (shorter than some)
Covers herbal therapy, naturopathy & homeopathy — no other provider does all three

Cons

Premiums are higher than many competitors
No new enrollment after age 14
Exam fees not covered

Compare Plans →

Sample cat rate: $44.42*

*Rate is based on a 1-year-old Ragdoll in NY (14211) with unlimited coverage, $500 deductible, and 90% reimbursement.

Instant Payment at the Vet

Trupanion’s Vet Direct Pay covers your bill right at checkout — no paperwork, no waiting for reimbursement. The video below explains how easy VetDirect Pay is through Trupanion.

While others may offer direct pay, Trupanion is the only one that processes payments at the time of service.

If your vet doesn’t use Vet Direct Pay yet, you can ask them to set it up or contact Trupanion directly to help coordinate.

Built for Big Vet Bills

No payout limits — ever.

Trupanion is ideal for pet parents who want peace of mind when facing major medical expenses.

At A Glance

Age Restrictions	Less than 14
Waiting Periods	5 days (accidents) 30 days (illnesses)
Claim Processing	~2 days
Plans	Accident & illness
Reimbursements	50%, 60%, 70%, 80%, 90%, 100%
Deductibles	$0-$1,000 (in $5 increments)
Payouts	Unlimited

Top Pet Insurance Providers Compared

Still deciding?

Use these quick comparison tables to see how the top companies stack up.

Plan Options Overview

The table below breaks down key plan features like:

Deductible options
Reimbursement rates
Payout limits

Note: Plan availability can vary by pet, age, and state, so be sure to check what’s offered in your area.

Limits	Reimbursements	Deductibles
$5,000-unlimited	70-90%	$50-$1,000
$5,000-unlimited	70-90%	$250-$700
Unlimited	50-80%	$250-$1,000
$5,000-unlimited	70-100%	$100-$750
$2,000-Unlimited	70-90%	$100-$1,000
$5,000-$100,000	60-90%	$100-$750
Unlimited	50-100%	$0-$1000

What Pet Insurance Typically Covers

Most accident and illness policies cover a wide range of conditions and treatments as long as the issue isn’t pre-existing or showing symptoms before or during the waiting period.

Commonly covered conditions include:
Cancer, hereditary and chronic conditions, allergies, cruciate ligament injuries, diabetes, urinary tract infections, arthritis, broken bones, and more.

These plans also typically cover diagnostics and treatments like X-rays, blood work, ultrasounds, MRIs, surgery, hospitalization, and outpatient care.

Use the table below to see how top providers compare in their coverage of specific conditions and treatment options.

Prescription Medication	Vet Exam Fees	Prescription Food	Pre-Existing Conditions^*
	Plus Plan		Curable
			Curable

	Vet Exam Fee Rider		Curable
Prescription Drugs Rider	Exam Fees Rider		Curable
	Vet Visit Fees Rider		Curable
		50%	Curable

*Coverage for curable pre-existing conditions varies by provider.

Dental Coverage For Cats: Accidents & Illnesses

The American Veterinary Dental College (AVDC) estimates that up to 70% of cats develop some form of dental disease by age 3. Yet many pet insurance plans offer limited or no coverage for dental treatment.

Coverage varies widely by provider — and for cats, especially those prone to dental issues, prioritizing strong dental benefits is key.

The table below highlights key differences in dental coverage across top pet insurance companies.

For a deeper dive, check out my cat dental insurance guide for full details.

Max Teeth Cleaning Allowance (Wellness Plan)	Non-Routine Dental Care	Gum Disease	Extractions	Endodontic Disease	Developmental Abnormalities
$150				Canines & Carnassials	Enrolled Before 6 Months
$125
			Due To Accident
$75			Due To Accident
$700
$150	Dental Illness Rider	Dental Illness Rider	Due To Accident	Dental Illness Rider
		Canines & Carnassials		Canines & Carnassials	Enrolled Before 6 Months

Therapy Coverage Comparison

Rehabilitation and alternative therapies like physical therapy, hydrotherapy, chiropractic care, and laser treatment can play a big role in a pet’s recovery — especially after an orthopedic injury or surgery.

Some breeds are more prone to orthopedic issues, but these treatments can benefit any pet needing extra support to regain strength and mobility.

Including coverage for complementary therapies can make these specialized treatments more affordable and accessible.

The table below compares how different providers handle coverage for alternative and rehabilitative care.

Behavioral Therapy	Physical Therapy^*	Hydrotherapy	Acupuncture	Chiropractic	Laser Therapy	Holistic Treatment^†
^‡	Elite Plan	Elite Plan	Elite Plan	Elite Plan	Elite Plan
$1,000 limit

$500 limit

Behavioral Conditions Rider – $1,000 limit	Physical Therapy Rider	Physical Therapy Rider	Physical Therapy Rider	Physical Therapy Rider	Physical Therapy Rider
	Recovery & Complementary Care Rider	Recovery & Complementary Care Rider	Recovery & Complementary Care Rider	Recovery & Complementary Care Rider		Recovery & Complementary Care Rider^§

*Physical therapy (physiotherapy) can include rehabilitation, therapeutic exercises, range-of-motion exercises, stretching, joint mobilization, gait training, and treadmill therapy, among other techniques.
†Holistic treatment may include herbal therapy, naturopathy, and homeopathy.
‡Limited to vet consultations and medication.
§Trupanion‘s base policy includes herbal therapy. A rider is required for homeopathy and naturopathy.

For more advanced options like therapeutic ultrasound or electrotherapy, be sure to check the fine print or contact your provider directly.

Waiting Periods Comparison

All pet insurance plans have waiting periods — the time between when you enroll and when your coverage begins.

Typical waits:
- Accidents: ~3 days
- Illnesses: ~14 days
- Orthopedic issues (like CCL or hip dysplasia): 6–12 months

These longer waits can really matter, so be sure to review the fine print before signing up.

Waiting Periods in Certain States

Some states have adopted Model Law guidelines to help standardize waiting periods. In these states, insurers follow:

Accidents: 0 days
Illnesses: 14 days
Cruciate ligament conditions: 30 days
Routine care: 0 days

Applies in: California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland

Illness	Accident	CCL Surgery	Hip Dysplasia	Wellness^*	Other
14 Days	3 Days	6 Months	14 Days	0 Days
15 Days	0 Days	6 Months	6 Months	0 Days
15 Days	15 Days	15 Days	12 Months
14 Days	1 Day	6 Months	6 Months	0 Days	Orthopedic Conditions – 6 Months
14 Days	2 Days	6 Months	6 Months	0 Days	IVDD, Patellar Luxation – 6 Months
14 Days	2 Days	6 Months	30 Days	0 Days	Orthopedic Conditions – 30 Days
30 Days	5 Days	30 Days	30 Days

*Wellness coverage is not an insurance product and only applies if you purchase it as an add-on.

Age Limits Comparison

Most pet insurance companies have age restrictions for enrollment, but once your cat is covered, the policy typically stays active for life — as long as you keep it current.

The table below highlights enrollment age limits across top providers.

Tip: It’s best to enroll your pet as early as possible, ideally while they’re still a kitten.
Starting young helps avoid pre-existing condition exclusions and ensures more complete coverage as they age.

Company	Minimum Enrollment Age	Maximum Enrollment Age
	7 Weeks
	6 Weeks
	8 Weeks	14 Years*
	8 Weeks
	6 Weeks	14 Years For Illness 5 Years In California
	8 Weeks	Depends On Breed^†
	Birth	14 Years

*Healthy Paws Plan Restrictions:
In New York, pets must be enrolled before age 4.
If enrolled after age 6, coverage is limited, and hip dysplasia is excluded.
Maryland exception: No age limit for hip dysplasia coverage.
†Lemonade Plan Restrictions:
Some breeds have specific age limits for enrollment. Check plan details for breed-specific rules.

Sample Rates For Accident & Illness Coverage

3 mo (F) Exotic Shorthair	1yr (M) Ragdoll	3 yr (F) British Shorthair	5 yr (M) Domestic Medium Hair
$19.20	$12.49	$22.23	$28.62
$41.72^*	$24.50^*	$26.77^*	$39.55^*
$11.82^†	$17.93^†	$32.54^†	$40.26^†
$22.31	$17.63	$16.15	$24.87
$15.69	$27.91	$23.59	Uninsurable
$16.97	$13.77	$14.82	$31.29
$40.35^**	$60.88^**	$45.24^**	$105.61^**

Quotes as of May 2025.
Plans include a $5,000 annual payout, 80% reimbursement, and a $500 deductible with basic accident & illness coverage (no add-ons).
Sample cats: Exotic Shorthair (FL 33604), Ragdoll (NY 14211), British Shorthair (TX 78703), Domestic Medium Hair (CA 90002)
*$400 deductible; **90%, unlimited payouts; †Unlimited payouts

What Are the Types of Pet Insurance Plans?

There are two main types of pet insurance plans, plus an optional add-on for routine care.

Accident-Only Plans

Covers injuries and emergencies, like:

Foreign object ingestion
Poisoning
Broken bones
Cuts or car accidents

These plans are more affordable and a good fit for pets with pre-existing illnesses that wouldn’t be covered under broader plans.

Accident & Illness Plans

Covers everything in accident-only plans plus illnesses, including:

Cancer
UTIs & stomach issues
Diabetes & heart disease
Chronic or hereditary conditions

This is the most comprehensive option for long-term protection.

Wellness Plans (Preventative Care)

Offered by some companies as an add-on or standalone product. May include:

Annual checkups
Vaccines
Spay/neuter
Flea, tick & heartworm prevention

Note: This isn’t technically insurance — it’s a reimbursement plan for routine care and varies by provider.

What Does Pet Insurance Cover?

Coverage varies by provider, but most accident & illness plans include a wide range of treatments for eligible conditions.

Note:

Pre-existing conditions are not covered
Conditions that appear during the waiting period are also excluded

Covered Diagnostics

Non-routine blood tests
X-rays
CT scans
Ultrasounds
Emergency care
MRIs
Surgery
Hospitalization
Outpatient care
Biopsy

Covered Conditions

Cancer
Hereditary
Allergies
Chronic illnesses
Cruciate ligament tears
Diabetes
Urinary tract infections (UTIs)
Arthritis
Broken bones
Ear infections

Excluded

Boarding
Declawing
Ear cropping
Spaying/neutering
Tail docking
Pregnancy & breeding
Vaccines
Grooming
Food
Cremation & burial

What Is the Average Cost of Pet Insurance for Cats?

Pet insurance for cats is typically more affordable than for dogs, but premiums still vary — and most companies increase rates annually.

According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness insurance policy in the U.S. is $32.10 for cats.

veterinarian with stethoscope holding sphynx cat in a clinic

What Affects Cat Insurance Pricing?

Rising vet costs & inflation
Your location
Your cat’s breed, age & gender

How Is Cat Insurance Cost Calculated?

Insurers consider several factors when setting your rate:

Species

Cats usually cost less to insure than dogs
They typically require fewer medications and less frequent claims

Breed

Some breeds have higher health risks, which raises the cost.
Examples: Persians, Maine Coons, Siamese, Ragdolls, and Sphynx cats

Even with mixed breeds, insurers usually ask for a primary breed, which may affect pricing.

Location

Urban areas = higher vet costs
Rural areas tend to be more affordable
Regional taxes and regulations also play a role

Age

Younger cats = lower premiums
Older cats face higher costs due to increased health risks

Gender

Female cats generally cost less to insure
Male cats tend to have more claims submitted

Tip: Prices can vary a lot between companies.
It’s smart to get quotes from multiple providers to find the best fit for your cat and your budget.

Frequently Asked Questions

Here are some of the top questions we get from cat parents about pet insurance.
Don’t see yours? Drop it in the comments; we’re happy to help!

How Does Cat Insurance Work?

Unlike human health insurance, most pet insurance plans use a reimbursement model — you pay the vet upfront, then file a claim to get reimbursed.

Pay the vet bill
After your cat’s visit, ask for an itemized receipt.
Submit your claim
Send the receipt (and sometimes a short claim form) to your provider.
Get reimbursed
Once approved, you’ll receive a check or direct deposit for the covered amount.

Graphic showing how pet insurance works. Cat visits the vet, you pay the bill, submit your claim to the insurer, get reimbursed

Is Pet Insurance Worth It for Cats?

You might think pet insurance is just another monthly bill — until you’re facing a $2,000+ vet visit.
Some emergencies or chronic conditions can hit hard, and pet insurance can help you plan for the unexpected.

Let’s say your cat starts having stomach issues (one of the most common claims for cats). Your vet might recommend diagnostics like:

X-ray: $150–$400
Ultrasound: $300–$500
Endoscopy: $800–$1,000
Biopsy: Up to $1,500
CT scan: Up to $3,000

Once a diagnosis is made — maybe inflammation, parasites, poisoning, or allergies — treatment adds even more to the bill.

If those numbers make your wallet twitch, pet insurance can be a financial lifesaver.

Close-up of domestic cat lying near the medical card on the table

A Pet Insurance Reimbursement Example

Let’s say your cat’s total vet bill is $2,000, and you’ve chosen a plan with:

$500 deductible
90% reimbursement rate

There are two common reimbursement methods insurers use:

1. Deductible Then Copay

$2,000 – $500 (deductible) = $1,500
$1,500 – $150 (10% copay) = $1,350 reimbursed
You pay: $650

2. Copay Then Deductible

$2,000 – $200 (10% copay) = $1,800
$1,800 – $500 (deductible) = $1,300 reimbursed
You pay: $700

Bottom line: Pet insurance won’t cover everything, but it can drastically reduce your out-of-pocket costs — and give you peace of mind when your cat needs care the most.

What Are Deductible, Reimbursement, and Payout Options?

You can adjust your monthly premium by customizing your:

Deductible
Reimbursement percentage
Payout limit

But remember — changing these settings affects how much you’ll pay out of pocket if your cat needs care.

Let’s break it down:

What Is a Deductible?

Your deductible is the amount you pay before insurance kicks in.

Higher deductible = lower premium
Lower deductible = higher premium

There are two types:

Annual deductible (most common):
Paid once per policy year, no matter how many claims you file.
Per-incident deductible (rare – used by Trupanion):
Paid each time your cat is treated for a new condition.
Helpful for chronic conditions like allergies — once paid, that condition is covered for life (if your policy stays active).

Tip: Annual deductibles are easier to budget for. You’ll know your max out-of-pocket for the year upfront.

What Is the Reimbursement Percentage?

This is how much of the vet bill the insurer covers after your deductible.

If you choose 90% reimbursement, your copay is 10%
Most companies let you choose between options like 70%, 80%, or 90%

What Are Payout Options?

Your payout limit is the maximum amount the insurer will pay either:

Annually (per year)
Per condition (rare)
Lifetime

Plans with higher or unlimited payouts usually come with higher premiums — but not always! Some unlimited plans are priced competitively.

Trupanion and Healthy Paws are two of the few providers that offer a lifetime, unlimited payout, so you never hit a cap on what’s covered.

Final Tip

Choosing the right mix of deductible, reimbursement, and payout limit can help balance:

Monthly cost
Out-of-pocket expenses
Coverage peace of mind

Get at least three quotes to compare pricing and fine print — the same cat can get very different rates across providers.

How We Review & Rank Cat Insurance Providers

Choosing the right insurance for your cat isn’t just about price — it’s about peace of mind. That’s why our team does the heavy lifting for you.

We conduct extensive, year-round research on the most reputable pet insurance companies in the U.S., with a specific focus on how these policies serve cats. This includes analyzing:

Policy fine print
Real customer feedback
Premium trends
Coverage updates and exclusions

Every review is fact-checked by a licensed insurance agent, and we update our content regularly to reflect the latest changes in pricing, provider reputation, and customer service.

Our Ranking Criteria

We score each provider out of 100 points using the following weighted system:

Coverage & Exclusions (30%)

We review what’s covered for cats — including dental care, chronic conditions, hereditary issues, and age limits.
Providers with fewer exclusions and more comprehensive coverage rank highest.

Pricing (15%)

We run thousands of cat-specific quotes based on breed, age, and location.
We also factor in fees, discounts, and add-on costs to assess overall value.

Customer Service & Reputation (12%)

We evaluate sign-up experience, claims support, and real feedback from cat parents to measure satisfaction.

Financial Strength (10%)

We check A.M. Best and Demotech ratings to ensure the insurer can reliably pay out large claims over time.

Customization Options (10%)

Providers that offer flexible deductibles, reimbursement rates, and payout limits earn higher scores.

Waiting Periods (5%)

We reward companies with shorter waiting periods for accidents, illnesses, and orthopedic issues.

Claim Processing (5%)

We prioritize insurers with fast reimbursements, direct vet pay, and easy claim submission options.

Innovation (3%)

Points go to companies using modern tools, mobile apps, or unique plan features that benefit cat owners.

Real Rankings, No Kickbacks

Unlike some review sites, we don’t sell rankings.

Every pet insurance company earns its place based on performance, not payments.

Our goal?

To help you find the best insurance for your cat with clear, unbiased guidance you can trust.

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (NAIC #12190), a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. Ste. 160 Scottsdale, AZ 85254 or MS Transverse Insurance Company (NAIC #21075), located at 15 Independence Blvd. Suite 430, Warren, NJ 07059. Pets Best Insurance Services, LLC (NPN #8889658, CA agency #0F37530) is a licensed insurance agency located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.