Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (2024)

Diabetes. Fractures.
Microchip Implantation.
We cover that.

  • Coverage for accidents, illnesses, and more
  • Visit any licensed veterinarian or specialist in the US or Canada
  • Optional preventive care coverage at an additional cost
  • Fast and easy claim submission
  • Direct deposit of reimbursem*nts
Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (1)

the right coverage

the right coveragefor your cat or kitten

Complete CoverageSM offers extensive protection for your cat's unexpected accidents and illnesses.

Get A Quote For My Cat

Complete CoverageSM
for Cats

starting as low as
$8/month*

Complete CoverageSM plans cover

  • Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (2)

    Diagnostics

    Think X-rays, MRI, blood tests, urinalysis, ultrasounds, etc.

  • Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (3)

    Procedures

    Such as obtaining intravenous fluid, stitches, and surgery

  • Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (4)

    Hospitalization

    Coverage when your cat needs to stay overnight

  • Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (5)

    Prescription Medication

    Coverage for your cat’s FDA-approved meds

When your cat has unexpected

Enroll before your next visit.

Explore Coverage

why get coverage?

We admire cats for their independence. Our sassy feline friends do as they please and never let danger stop them. It’s as if cats think they really have nine lives, often eating things they shouldn’t, leaping from perilous heights, and darting out the door onto the busy street. And like us, cats can catch the flu or develop a hereditary condition.

customize your plan to help fit your budget

to help fit your budget

  • Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (10)

    Annual limit

    Select a lower annual limit to pay a lower premium.

  • Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (11)

    Annual deductible

    Pick from $100, $250, and $500 annual deductible options.

  • Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (12)

    Reimbursem*nt percentage

    Choose a higher reimbursem*nt percentage for more cash back.

  • Alternate plan

    Accident-only Coverage

    Enroll in this option if you only want coverage for injuries resulting from an accident.

    Learn More
  • Add-on

    Preventive Care Coverage
    for an additional cost

    Get cash back from things like certain vaccines, dental cleanings, spaying or neutering, annual check-ups.

    Learn More

getting reimbursed is as easy as 1-2-3

is as easy as 1-2-3

  • Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (13)

    Visit

    Take your cat to the veterinarian of your choice and pay them as usual.

  • Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (14)

    Submit

    Use our app to submit a claim even before you leave the veterinary clinic.

  • Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (15)

    Cash Back

    Receive reimbursem*nts for eligible expenses by direct deposit or check

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Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (16)

frequently-asked questions about the cat insurance plans we offer

FAQs about the cat insurance plans we offer

about the cat insurance plans we offer

Cat insurance coverage can be a smart idea for all cat parents, even if your feline friend stays inside. That’s because any cat can get hurt and need expensive veterinary care. For instance, your cat could swallow a piece of string and need surgery to remove it. Or they could miss a jump to a high counter and fracture a paw.

Indoor cats can also suffer from ailments, such as ear mites, diabetes, upper respiratory illnesses, or cancer. Sick cats can need costly medical care, including diagnostic tests, medication, hospitalization, and follow-up veterinary visits.

When you cover your cat, you can help make sure you’ll be able to give them the best veterinary care possible with less worry about the costs.

Still asking yourself “Should I get pet insurance?” You might find our 9 Common Pet Insurance Myths helpful.

Cat insurance coverage can be especially beneficial for older cats since they may need more veterinary care as they age. Senior cats can be at a greater risk for health conditions, such as arthritis, diabetes, and cancer. They can also be prone to getting hurt, especially if they’re dealing with mobility issues or cognitive decline. Just keep in mind that most plans won’t cover pre-existing conditions.

Complete CoverageSM covers the things you’d expect and then some. It offers coverage for accidents and illnesses, which includes veterinary exam fees, medication, and hospitalization. It also covers:

  • Hereditary conditions, which are inherited diseases caused by a birth defect or passed down from the parents. Some common hereditary conditions for cats are lower urinary tract disease, polycystic kidney disease, and certain types of heart disease.
  • Alternative therapies used to treat covered conditions. These can include acupuncture, hydrotherapy, and stem cell treatments.
  • Behavioral problems with symptoms like excessive yowling, overgrooming, or going outside of the litterbox. These issues can be disruptive to the household and harmful to the cat, which is why we offer coverage to help diagnosis and treat them.

If you’re only looking for financial cushion for accidents, you can choose our Accident-Only plan. It covers your cat for all sorts of injuries from minor bumps and bruises to broken ribs or deep lacerations.

Your veterinarian might recommend prescription cat food or supplements to help them with certain health problems, such as arthritis or cognitive decline. Complete CoverageSM covers these products when they’re used to treat a covered condition (not for general maintenance or weight management).

Preventive care coverage is not included as part of Complete CoverageSM, but you can add it to your plan at a low additional cost. You can choose from two preventive care coverage options. They reimburse up to a set amount for a list of covered services that include things like annual exams, dental cleanings, and vaccines. There’s no deductible or co-insurance amount. There’s also no waiting period for preventive care coverage to start.

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helpful resources for pet parents

for pet parents

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Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (17)

Tabby Cat Facts

From coat patterns to personalities, history to health, we’ve compiled a list of helpful and interesting facts about the most familiar household feline, the Tabby Cat.

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Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (18)

How Much Does It Cost to Have a Cat?

The cost of owning a cat can range widely depending on individual needs. Here are some important costs to consider when bringing home a new feline friend.

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Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (19)

Common Skin Problems in Cats

Skin issues can indicate an underlying ailment, which is why it’s important to have your cat checked out by a veterinarian. Read on to see what all that scratching could be about.

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Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (20)

Tabby Cat Facts

From coat patterns to personalities, history to health, we’ve compiled a list of helpful and interesting facts about the most familiar household feline, the Tabby Cat.

Read now

Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (21)

How Much Does It Cost to Have a Cat?

The cost of owning a cat can range widely depending on individual needs. Here are some important costs to consider when bringing home a new feline friend.

Read now

Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (22)

Common Skin Problems in Cats

Skin issues can indicate an underlying ailment, which is why it’s important to have your cat checked out by a veterinarian. Read on to see what all that scratching could be about.

Read now

Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (23)

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Top-Rated Cat Insurance | ASPCA® Pet Health Insurance (2024)

FAQs

What is the best level of pet insurance? ›

Lifetime policies

These policies cover your pet for their entire life, taking care of expenses for both illnesses and injuries. Although they are the most expensive option, they offer the highest level of protection, with coverage limits that reset annually upon policy renewal.

What kind of insurance do I need for my cat? ›

Cat insurance covers eligible vet services that you pay for out-of-pocket, such as unexpected surgey, diagnostic testing, exam fees, prescription drugs, and more. There are three types of insurance plans for cats, each with different degrees of coverage: accident-only, accident/illness, and wellness plans.

Is Petplan the best pet insurance? ›

Petplan is the UK's No 1 pet insurer. They offer 3 levels of Covered for Life policy with varying Vet Fee limits and an Essential 12 month policy. They pay 97% of all claims and 90% of claims are paid within 5 working days. Petplan work closly with the veterinary profession and can pay your vet direct.

Why is trupanion so expensive? ›

Trupanion's pricing is likely higher than average because all plans include unlimited coverage and a 90% reimbursem*nt rate. Your plan cost will vary depending on where you live and your pet's breed, age and species. Premiums may also increase incrementally each year as your pet ages.

How much should I be spending on pet insurance? ›

On average, pet insurance costs $60 per month for dogs and $32 for cats, based on quotes gathered by the MarketWatch Guides team. The cost to cover your pet may vary, but this type of insurance can offer financial protection against high-cost and emergency vet visits.

What age is best to get pet insurance? ›

Simply put: The best age to get pet insurance for dogs is when they're young (puppies are best). As they age their health will inevitably decline, and they'll be inherently riskier to insure. That risk will be passed on to you, the owner, in the form of higher monthly and annual insurance premiums.

Is it worth insuring a cat? ›

In a word, yes. Vet bills can quickly mount up, but pet insurance can help cover these costs and ensure that your cat can receive the best care possible. However, not all policies are the same. When shopping around, you want to make sure your plan covers everything you might need.

Does cat insurance cover vaccines? ›

Pet health insurance typically covers vaccinations only through an add-on wellness plan that can reimburse you for certain preventative costs. When your pet gets a qualifying vaccine or titer, you can file a claim to get reimbursed up to the plan's limit.

Do most cat owners have pet insurance? ›

Dog owners are more likely to insure their pets compared to cat owners. Our survey found that about 24% of dog owners had pet insurance compared to just under 15% of cat owners. Gen Z and Millennial pet parents were far more likely to insure their dogs and cats than older generations.

Why do vets recommend Petplan? ›

We pride ourselves on our breadth of cover, paying 97% of all the claims we receive and this is why thousands of vets partner with us. We can also pay vets directly.

Can you get pet insurance that covers everything? ›

With Petplan's Covered for Life® pet insurance we have no additional limits for specific conditions or diagnostic tools. Yes, of course we also cover dental illness and injury. And no, you won't pay more if you claim than if you don't.

What happened to Petplan? ›

Is Petplan now Fetch Pet Insurance? We recently changed our name to Fetch Pet Insurance, but there has been no change at all to our pet insurance. We still provide the most comprehensive coverage there is — the name and logo are the only things that are different.

Is Trupanion in trouble? ›

Unfortunately, TRUP stock continues to struggle to find its footing. The shares are down almost 27% year to date, compared to a 4.8% decline in the share price of pet insurance rival Lemonade (US:LMND). Contributing to Trupanion shares' recent volatility stands a bearish assessment from analysts at PAA Research.

What is the age cut off for Trupanion? ›

Trupanion enrolls dogs and cats of any breed up to 14 years of age. However, once in, they're covered for as long as you decide to keep the policy.

Does Trupanion require a vet exam? ›

No vet exam is required to enroll, but exam required for claim payout, and yearly exam for future claim payout.

Do you want a high deductible for pet insurance? ›

A more affordable monthly premium requires a higher deductible, and a lower deductible will require a higher monthly premium. A young and healthy pet is less likely to be diagnosed with a chronic condition, making a higher deductible and lower monthly premium a good choice.

Does pet insurance actually help? ›

Ultimately, pet insurance can be helpful for many situations, especially if you want to reduce the stress and difficult decisions that can stem from unexpected vet bills. In general, you want to shop for pet insurance sooner than later so that it's more cost-effective, but even older pets can be insured.

How do I get the best out of my pet insurance? ›

These three tips will ensure you get the best experience possible.
  1. Pay Upfront Treatment Costs On A Credit Card, And Pay It Off With Your Reimbursem*nt. ...
  2. Make Sure Your Vet Knows About Your Pet Insurance Coverage. ...
  3. Make Sure Your Policy Makes Sense For Your Breed, Location, Age, And Any Pre-Existing Conditions.

What is the normal excess on pet insurance? ›

This is not included as standard with every policy but is very common with insurance for older pets. It is a contribution you will pay towards vet bills and is typically 10-20% depending on your policy.

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