{"id":6484,"date":"2021-12-02T10:18:03","date_gmt":"2021-12-02T10:18:03","guid":{"rendered":"https:\/\/cats.com\/?page_id=6484"},"modified":"2026-01-09T02:45:53","modified_gmt":"2026-01-09T02:45:53","slug":"best-pet-insurance-for-cats","status":"publish","type":"page","link":"https:\/\/cats.com\/best-pet-insurance-for-cats","title":{"rendered":"The Best Pet Insurance for Cats in 2026"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-74170\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2023\/07\/Pet-Insurance-3.jpg\" alt=\"\" width=\"1200\" height=\"687\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2023\/07\/Pet-Insurance-3.jpg 1200w, https:\/\/cats.com\/wp-content\/uploads\/2023\/07\/Pet-Insurance-3-768x440.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2023\/07\/Pet-Insurance-3-624x357.jpg 624w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p>Are you confident that you can cover the cost of life-saving care for your cat? If the answer isn\u2019t a resounding \u201cYes\u201d, you may want to consider pet insurance.<\/p>\n<p>The best pet insurance could save you thousands of dollars over the course of your cat\u2019s life, giving you both peace of mind and a happier wallet. On the other hand, the wrong wrong pet insurance can be both a headache and a drain on your finances. So how do you choose the right pet insurance provider?<\/p>\n<p>In this article, you\u2019ll learn about the factors that make pet insurance a worthwhile investment and what fine print points you won\u2019t want to gloss over. You\u2019ll also find in-depth reviews of our recommendations for the best pet insurance you can buy for your cat.<\/p>\n<h2>At a Glance: Top 10 Pet Insurance Providers Reviewed and Compared<\/h2>\n    <style>\n        .cliverse-stat-blocks { margin: 0 -7.5px 15px; white-space: normal; }\n        .cliverse-stat-blocks:after { display: block; content: \"\"; clear: both; height: 0; overflow: hidden; }\n        .cliverse-stat-blocks .block { flex: none; display: flex; flex-direction: column; align-items: center; justify-content: stretch; float: left; box-sizing: border-box; margin: 0 7.5px 15px; padding: 10px 5px; width: calc(50% - 15px); min-height: 170px; border-radius: 5px; border: 0.5px solid #BFBEBE; box-shadow: 0px 0px 4px rgba(0, 0, 0, 0.25); text-align: center; }\n        .cliverse-stat-blocks .block .img { display: flex; align-items: center; justify-content: center; padding: 5px 0 10px; }\n        .cliverse-stat-blocks .block .img img { width: auto; max-width: 100px; height: auto; max-height: 50px; }\n        .cliverse-stat-blocks .block .text { display: flex; flex-direction: column; align-items: center; justify-content: center; text-transform: uppercase; line-height: 22px; font-size: 18px; font-weight: 300; }\n        .cliverse-stat-blocks .block strong { display: block; width: 100%; line-height: 40px; font-size: 36px; font-weight: normal; }\n\n        @media only screen and (min-width: 1024px) {\n            .cliverse-stat-blocks .block { flex-direction: row; }\n            .cliverse-stat-blocks .block .img { padding: 0; width: 50%; }\n            .cliverse-stat-blocks .block .text { width: 50%; }\n        }\n\n        @media only screen and (min-width: 768px) {\n            .cliverse-stat-blocks { margin-bottom: 0; }\n            .cliverse-stat-blocks { display: flex; align-items: stretch; justify-content: space-between; margin: 0 -15px; }\n            .cliverse-stat-blocks .block { float: none; width: calc(25% - 30px); margin: 0 15px 30px; min-height: 0; }\n            .cliverse-stat-blocks .block strong { line-height: 30px; font-size: 30px; font-weight: 400; }\n            .cliverse-stat-blocks .block .text { line-height: 16px; font-size: 14px; font-weight: 300; }\n        }\n    <\/style>\n\n    <div class=\"cliverse-stat-blocks\">\n        <div class=\"block block-1\">\n            <div class=\"img\">\n                <img decoding=\"async\" src=\"https:\/\/cats.com\/wp-content\/themes\/ribosome\/img\/clock.svg\" alt=\"Clock\">\n            <\/div>\n            <div class=\"text\">\n                <strong>1000<\/strong>\n                <div>hours of<\/div>\n                <div>research<\/div>\n            <\/div>\n        <\/div>\n        <div class=\"block block-2\">\n            <div class=\"img\">\n                <img decoding=\"async\" src=\"https:\/\/cats.com\/wp-content\/themes\/ribosome\/img\/eye.svg\" alt=\"Eye\">\n            <\/div>\n            <div class=\"text\">\n                <strong>45<\/strong>\n                <div>brands<\/div>\n                <div>vetted<\/div>\n            <\/div>\n        <\/div>\n        <div class=\"block block-3\">\n            <div class=\"img\">\n                <img decoding=\"async\" src=\"https:\/\/cats.com\/wp-content\/themes\/ribosome\/img\/check.svg\" alt=\"Check\">\n            <\/div>\n            <div class=\"text\">\n                <strong>10<\/strong>\n                <div>features<\/div>\n                <div>reviewed<\/div>\n            <\/div>\n        <\/div>\n        <div class=\"block block-4\">\n            <div class=\"img\">\n                <img decoding=\"async\" src=\"https:\/\/cats.com\/wp-content\/themes\/ribosome\/img\/star.svg\" alt=\"Star\">\n            <\/div>\n            <div class=\"text\">\n                <strong>10<\/strong>\n                <div>top<\/div>\n                <div>picks<\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    \n<div class=\"cliverse-product-block\">\r\n               <div class=\"label\">Best Affordable Pet Insurance For Cats<\/div>\r\n                <div class=\"panel\">\r\n\r\n                    <div class=\"img\">\r\n                        <a href=\"https:\/\/cats.com\/recommends\/lemonade\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                           title=\"Lemonade\" class=\"thirstylinkimg\">\r\n                            <img decoding=\"async\" class=\"aac-table__image\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/lemonade-logo-black.png\" alt=\"aac-table__image\"\r\n                                 rel=\"noshare\">\r\n                        <\/a>\r\n                    <\/div>\r\n\r\n                    <div class=\"data\">\r\n\t\t\t\t\t\t <div class=\"logo\">\r\n                              \r\n                                                   \r\n                            <\/div>\r\n                                                <div class=\"score\">\r\n                            10                        <\/div>\r\n                        <div class=\"stars\">\r\n                            <div class=\"stars-inactive\">\r\n                                <div class=\"stars-active\" style=\"width: 100%\"><\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"picked\"> Picked by <span class=\"cliverse-picked-count\">11<\/span> people today!<\/div>\r\n                    <\/div>\r\n                    <div class=\"text\">\r\n                        <h4>\r\n                            <a href=\"https:\/\/cats.com\/recommends\/lemonade\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                               title=\"Lemonade\" class=\"thirstylink\">\r\n                                <span class=\"aac-table__column-title\">Lemonade Pet Insurance<\/span>\r\n                            <\/a>\r\n                        <\/h4>\r\n                        <ul class=\"aac-table__features-list\">\r\n                                                            <li class=\"aac-table__features-item\"><span>Insure your pet in seconds starting as low as $10\/month<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Flexible deductibles, reimbursement rate, and annual limit<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Optional coverage for routine care, and wellness visits<\/span><\/li>\r\n                                                    <\/ul>\r\n                    <\/div>\r\n                    <div class=\"action\">\r\n                        <a href=\"https:\/\/cats.com\/recommends\/lemonade\" target=\"_blank\" class=\"button\" rel=\"sponsored noreferrer noopener\" title=\"Lemonade\">Get a Quote<\/a>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n\r\n<div class=\"cliverse-product-block\">\r\n                <div class=\"label\">Runner Up<\/div>\r\n                <div class=\"panel\">\r\n\r\n                    <div class=\"img\">\r\n                        <a href=\"https:\/\/cats.com\/recommends\/trupanion\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                           title=\"Trupanion\" class=\"thirstylinkimg\">\r\n                            <img decoding=\"async\" class=\"aac-table__image\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/trupanion-pet-insurance-logo1.png\" alt=\"aac-table__image\"\r\n                                 rel=\"noshare\">\r\n                        <\/a>\r\n                    <\/div>\r\n\r\n                    <div class=\"data\">\r\n                                                    <div class=\"logo\">\r\n                              \r\n                            <\/div>\r\n                                                <div class=\"score\">\r\n                            9.8                        <\/div>\r\n                        <div class=\"stars\">\r\n                            <div class=\"stars-inactive\">\r\n                                <div class=\"stars-active\" style=\"width: 98%\"><\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"picked\"> Picked by <span class=\"cliverse-picked-count\">1<\/span> people today!<\/div>\r\n                    <\/div>\r\n                    <div class=\"text\">\r\n                        <h4>\r\n                            <a href=\"https:\/\/cats.com\/recommends\/trupanion\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                               title=\"Trupanion\" class=\"thirstylink\">\r\n                                <span class=\"aac-table__column-title\">Trupanion Pet Insurance<\/span>\r\n                            <\/a>\r\n                        <\/h4>\r\n                        <ul class=\"aac-table__features-list\">\r\n                                                            <li class=\"aac-table__features-item\"><span>90% reimbursement and unlimited payout limits- always<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Customizable deductibles from $0-$1,000, in $5 increments<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>The only company that can pay your veterinarian directly, within seconds, at checkout<\/span><\/li>\r\n                                                    <\/ul>\r\n                    <\/div>\r\n                    <div class=\"action\">\r\n                        <a href=\"https:\/\/cats.com\/recommends\/trupanion\" target=\"_blank\" class=\"button\" rel=\"sponsored noreferrer noopener\" title=\"Trupanion\">Get a Quote<\/a>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n\r\n<div class=\"cliverse-product-block\">\r\n                <div class=\"label\">Best Value Pet Insurance for Cats<\/div>\r\n                <div class=\"panel\">\r\n\r\n                    <div class=\"img\">\r\n                        <a href=\"https:\/\/chewy.sjv.io\/c\/1397719\/3054490\/32975?u=https%3A%2F%2Fwww.chewy.com%2Fpet-insurance%2F\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                           title=\"CarePlus\" class=\"thirstylinkimg\">\r\n                            <img decoding=\"async\" class=\"aac-table__image\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2023\/06\/CarePlus-logo.jpg\" alt=\"aac-table__image\"\r\n                                 rel=\"noshare\">\r\n                        <\/a>\r\n                    <\/div>\r\n\r\n                    <div class=\"data\">\r\n                                                    <div class=\"logo\">\r\n                              \r\n                            <\/div>\r\n                                                <div class=\"score\">\r\n                            9.7                        <\/div>\r\n                        <div class=\"stars\">\r\n                            <div class=\"stars-inactive\">\r\n                                <div class=\"stars-active\" style=\"width: 97%\"><\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"picked\"> Picked by <span class=\"cliverse-picked-count\">1<\/span> people today!<\/div>\r\n                    <\/div>\r\n                    <div class=\"text\">\r\n                        <h4>\r\n                            <a href=\"https:\/\/chewy.sjv.io\/c\/1397719\/3054490\/32975?u=https%3A%2F%2Fwww.chewy.com%2Fpet-insurance%2F\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                               title=\"CarePlus\" class=\"thirstylink\">\r\n                                <span class=\"aac-table__column-title\">CarePlus Pet Insurance<\/span>\r\n                            <\/a>\r\n                        <\/h4>\r\n                        <ul class=\"aac-table__features-list\">\r\n                                                            <li class=\"aac-table__features-item\"><span>Accident-only, comprehensive, and wellness plans available<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Up to 100% reimbursement for prescriptions and supplements <\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Free and unlimited access to Chewy's Connect with a Vet program<\/span><\/li>\r\n                                                    <\/ul>\r\n                    <\/div>\r\n                    <div class=\"action\">\r\n                        <a href=\"https:\/\/chewy.sjv.io\/c\/1397719\/3054490\/32975?u=https%3A%2F%2Fwww.chewy.com%2Fpet-insurance%2F\" target=\"_blank\" class=\"button\" rel=\"sponsored noreferrer noopener\" title=\"CarePlus\">Get a Quote<\/a>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n\r\n\r\n <div class=\"cliverse-product-block\">\r\n                <div class=\"label\">Best for Deductible Options<\/div>\r\n                <div class=\"panel\">\r\n\r\n                    <div class=\"img\">\r\n                        <a href=\"https:\/\/cats.com\/recommends\/embrace?subId1=Zojr5qPF3fVkgbPgvYR5eH2eyCWvpK4iyo\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                           title=\"Embrace\" class=\"thirstylinkimg\">\r\n                            <img decoding=\"async\" class=\"aac-table__image\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/embrace-pet-insurance.png\" alt=\"aac-table__image\"\r\n                                 rel=\"noshare\">\r\n                        <\/a>\r\n                    <\/div>\r\n\r\n                    <div class=\"data\">\r\n                                                    <div class=\"logo\">\r\n                            \r\n                            <\/div>\r\n                                                <div class=\"score\">\r\n                            9.6                        <\/div>\r\n                        <div class=\"stars\">\r\n                            <div class=\"stars-inactive\">\r\n                                <div class=\"stars-active\" style=\"width: 96%\"><\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"picked\"> Picked by <span class=\"cliverse-picked-count\">1<\/span> people today!<\/div>\r\n                    <\/div>\r\n                    <div class=\"text\">\r\n                        <h4>\r\n                            <a href=\"https:\/\/cats.com\/recommends\/embrace?subId1=Zojr5qPF3fVkgbPgvYR5eH2eyCWvpK4iyo\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                               title=\"Embrace\" class=\"thirstylink\">\r\n                                <span class=\"aac-table__column-title\">Embrace Pet Insurance<\/span>\r\n                            <\/a>\r\n                        <\/h4>\r\n                        <ul class=\"aac-table__features-list\">\r\n                                                            <li class=\"aac-table__features-item\"><span>Flexible deductible between $100 and $1000<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Annual payout maximum between $2,000 and $15,000 or Unlimited<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Choose a reimbursement percentage of 70%, 80%, or 90%<\/span><\/li>\r\n                                                    <\/ul>\r\n                    <\/div>\r\n                    <div class=\"action\">\r\n                        <a href=\"https:\/\/cats.com\/recommends\/embrace?subId1=Zojr5qPF3fVkgbPgvYR5eH2eyCWvpK4iyo\" target=\"_blank\" class=\"button\" rel=\"sponsored noreferrer noopener\" title=\"Embrace\">Get a Quote<\/a>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n\r\n<div class=\"cliverse-product-block\">\r\n                <div class=\"label\">Best Pet Insurance for Older Cats<\/div>\r\n                <div class=\"panel\">\r\n\r\n                    <div class=\"img\">\r\n                        <a href=\"https:\/\/figopetinsurance.com\/#get-a-quote\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                           title=\"Figo\" class=\"thirstylinkimg\">\r\n                            <img decoding=\"async\" class=\"aac-table__image\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/figo.jpg\" alt=\"aac-table__image\"\r\n                                 rel=\"noshare\">\r\n                        <\/a>\r\n                    <\/div>\r\n\r\n                    <div class=\"data\">\r\n                                                    <div class=\"logo\">\r\n                             \r\n                            <\/div>\r\n                                                <div class=\"score\">\r\n                            9.5                        <\/div>\r\n                        <div class=\"stars\">\r\n                            <div class=\"stars-inactive\">\r\n                                <div class=\"stars-active\" style=\"width: 95%\"><\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"picked\"> Picked by <span class=\"cliverse-picked-count\">2<\/span> people today!<\/div>\r\n                    <\/div>\r\n                    <div class=\"text\">\r\n                        <h4>\r\n                            <a href=\"https:\/\/figopetinsurance.com\/#get-a-quote\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                               title=\"Figo\" class=\"thirstylink\">\r\n                                <span class=\"aac-table__column-title\">Figo Pet Insurance <\/span>\r\n                            <\/a>\r\n                        <\/h4>\r\n                        <ul class=\"aac-table__features-list\">\r\n                                                            <li class=\"aac-table__features-item\"><span>Offers annual coverage limits of $5,000, $10,000, and unlimited<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Choose an annual deductible of between $100 and $1,500 (reduced by $50 every claim-free year)<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Choose a reimbursement level of 70%, 80%, 90%, or 100%<\/span><\/li>\r\n                                                    <\/ul>\r\n                    <\/div>\r\n                    <div class=\"action\">\r\n                        <a href=\"https:\/\/figopetinsurance.com\/#get-a-quote\" target=\"_blank\" class=\"button\" rel=\"sponsored noreferrer noopener\" title=\"Figo\">Get a Quote<\/a>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>  \r\n\r\n<div class=\"cliverse-product-block\">\r\n                <div class=\"label\">Best Insurance for Kittens and Young Cats<\/div>\r\n                <div class=\"panel\">\r\n\r\n                    <div class=\"img\">\r\n                        <a href=\"https:\/\/cats.com\/recommends\/pumpkin\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                           title=\"Pumpkin\" class=\"thirstylinkimg\">\r\n                            <img decoding=\"async\" class=\"aac-table__image\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/Pumpkin_Logo.jpg\" alt=\"aac-table__image\"\r\n                                 rel=\"noshare\">\r\n                        <\/a>\r\n                    <\/div>\r\n\r\n                    <div class=\"data\">\r\n                                                    <div class=\"logo\">\r\n                              \r\n                            <\/div>\r\n                                                <div class=\"score\">\r\n                            9.4                        <\/div>\r\n                        <div class=\"stars\">\r\n                            <div class=\"stars-inactive\">\r\n                                <div class=\"stars-active\" style=\"width: 94%\"><\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"picked\"> Picked by <span class=\"cliverse-picked-count\">9<\/span> people today!<\/div>\r\n                    <\/div>\r\n                    <div class=\"text\">\r\n                        <h4>\r\n                            <a href=\"https:\/\/cats.com\/recommends\/pumpkin\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                               title=\"Pumpkin\" class=\"thirstylink\">\r\n                                <span class=\"aac-table__column-title\">Pumpkin Pet Insurance <\/span>\r\n                            <\/a>\r\n                        <\/h4>\r\n                        <ul class=\"aac-table__features-list\">\r\n                                                            <li class=\"aac-table__features-item\"><span>Offers extensive coverage for many services<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Accepts cats of any age 8 weeks or older<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Easy signup process<\/span><\/li>\r\n                                                    <\/ul>\r\n                    <\/div>\r\n                    <div class=\"action\">\r\n                        <a href=\"https:\/\/cats.com\/recommends\/pumpkin\" target=\"_blank\" class=\"button\" rel=\"sponsored noreferrer noopener\" title=\"Pumpkin\">Get a Quote<\/a>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n\r\n <div class=\"cliverse-product-block\">\r\n                <div class=\"label\">Most Comprehensive Pet Insurance<\/div>\r\n                <div class=\"panel\">\r\n\r\n                    <div class=\"img\">\r\n                        <a href=\"https:\/\/cats.com\/recommends\/fetch-pet-insurance\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                           title=\"Fetch\" class=\"thirstylinkimg\">\r\n                            <img decoding=\"async\" class=\"aac-table__image\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/02\/fetch.svg\" alt=\"aac-table__image\"\r\n                                 rel=\"noshare\">\r\n                        <\/a>\r\n                    <\/div>\r\n\r\n                    <div class=\"data\">\r\n                                                    <div class=\"logo\">\r\n                              \r\n                            <\/div>\r\n                                                <div class=\"score\">\r\n                            9.3                        <\/div>\r\n                        <div class=\"stars\">\r\n                            <div class=\"stars-inactive\">\r\n                                <div class=\"stars-active\" style=\"width: 93%\"><\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"picked\"> Picked by <span class=\"cliverse-picked-count\">3<\/span> people today!<\/div>\r\n                    <\/div>\r\n                    <div class=\"text\">\r\n                        <h4>\r\n                            <a href=\"https:\/\/cats.com\/recommends\/fetch-pet-insurance\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                               title=\"Fetch\" class=\"thirstylink\">\r\n                                <span class=\"aac-table__column-title\">Fetch Pet Insurance <\/span>\r\n                            <\/a>\r\n                        <\/h4>\r\n                        <ul class=\"aac-table__features-list\">\r\n                                                            <li class=\"aac-table__features-item\"><span>Choice of annual coverage amount \u2013 $5,000 to 15,000<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Choice of annual deductible amount \u2013 $250 to $400<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>You can choose your reimbursement percentage \u2013 70%, 80%, or 90%<\/span><\/li>\r\n                                                    <\/ul>\r\n                    <\/div>\r\n                    <div class=\"action\">\r\n                        <a href=\"https:\/\/cats.com\/recommends\/fetch-pet-insurance\" target=\"_blank\" class=\"button\" rel=\"sponsored noreferrer noopener\" title=\"Fetch\">Get a Quote<\/a>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n\r\n <div class=\"cliverse-product-block\">\r\n                <div class=\"label\">Most Reputable Insurance for Cats<\/div>\r\n                <div class=\"panel\">\r\n\r\n                    <div class=\"img\">\r\n                        <a href=\"https:\/\/www.nationwide.com\/\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                           title=\"Nationwide\" class=\"thirstylinkimg\">\r\n                            <img decoding=\"async\" class=\"aac-table__image\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/nationwide-logo.png\" alt=\"aac-table__image\"\r\n                                 rel=\"noshare\">\r\n                        <\/a>\r\n                    <\/div>\r\n\r\n                    <div class=\"data\">\r\n                                                    <div class=\"logo\">\r\n                             \r\n                            <\/div>\r\n                                                <div class=\"score\">\r\n                            9.2                        <\/div>\r\n                        <div class=\"stars\">\r\n                            <div class=\"stars-inactive\">\r\n                                <div class=\"stars-active\" style=\"width: 92%\"><\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"picked\"> Picked by <span class=\"cliverse-picked-count\">1<\/span> people today!<\/div>\r\n                    <\/div>\r\n                    <div class=\"text\">\r\n                        <h4>\r\n                            <a href=\"https:\/\/www.nationwide.com\/\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                               title=\"Nationwide\" class=\"thirstylink\">\r\n                                <span class=\"aac-table__column-title\">Nationwide Pet Insurance<\/span>\r\n                            <\/a>\r\n                        <\/h4>\r\n                        <ul class=\"aac-table__features-list\">\r\n                                                            <li class=\"aac-table__features-item\"><span>Choice of annual deductible amount \u2013 $250 to $1,000<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>You can choose your reimbursement percentage \u2013 50%, 70%, or 80%<\/span><\/li>\r\n                                                        \r\n                                                    <\/ul>\r\n                    <\/div>\r\n                    <div class=\"action\">\r\n                        <a href=\"https:\/\/www.nationwide.com\/\" target=\"_blank\" class=\"button\" rel=\"sponsored noreferrer noopener\" title=\"Nationwide\">Get a Quote<\/a>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n\r\n<div class=\"cliverse-product-block\">\r\n                <div class=\"label\">Best Pet Insurance for Cats with Pre-Existing Conditions<\/div>\r\n                <div class=\"panel\">\r\n\r\n                    <div class=\"img\">\r\n                        <a href=\"https:\/\/cats.com\/recommends\/pet-assure?sid=Zojr5qPF3fVkgbPgvYR5eH2eyCfj2vJA2v\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                           title=\"Pet Assure\" class=\"thirstylinkimg\">\r\n                            <img decoding=\"async\" class=\"aac-table__image\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/pet-assure.png\" alt=\"aac-table__image\"\r\n                                 rel=\"noshare\">\r\n                        <\/a>\r\n                    <\/div>\r\n\r\n                    <div class=\"data\">\r\n                                                    <div class=\"logo\">\r\n                               \r\n                            <\/div>\r\n                                                <div class=\"score\">\r\n                            9.1                        <\/div>\r\n                        <div class=\"stars\">\r\n                            <div class=\"stars-inactive\">\r\n                                <div class=\"stars-active\" style=\"width: 91%\"><\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"picked\"> Picked by <span class=\"cliverse-picked-count\">4<\/span> people today!<\/div>\r\n                    <\/div>\r\n                    <div class=\"text\">\r\n                        <h4>\r\n                            <a href=\"https:\/\/cats.com\/recommends\/pet-assure?sid=Zojr5qPF3fVkgbPgvYR5eH2eyCfj2vJA2v\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                               title=\"Pet Assure\" class=\"thirstylink\">\r\n                                <span class=\"aac-table__column-title\">Pet Assure<\/span>\r\n                            <\/a>\r\n                        <\/h4>\r\n                        <ul class=\"aac-table__features-list\">\r\n                                                            <li class=\"aac-table__features-item\"><span>Doesn\u2019t exclude any pets, regardless of age or health history<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Comes with a 24\/7 lost pet recovery service<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>All medical procedures and in-house veterinary services are covered<\/span><\/li>\r\n                                                    <\/ul>\r\n                    <\/div>\r\n                    <div class=\"action\">\r\n                        <a href=\"https:\/\/cats.com\/recommends\/pet-assure?sid=Zojr5qPF3fVkgbPgvYR5eH2eyCfj2vJA2v\" target=\"_blank\" class=\"button\" rel=\"sponsored noreferrer noopener\" title=\"Pet Assure\">Get a Quote<\/a>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div> \r\n<div class=\"cliverse-product-block\">\r\n               <div class=\"label\">Best Pricing Flexibility<\/div>\r\n                <div class=\"panel\">\r\n\r\n                    <div class=\"img\">\r\n                        <a href=\"https:\/\/www.metlifepetinsurance.com\/\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                           title=\"Lemonade\" class=\"thirstylinkimg\">\r\n                            <img decoding=\"async\" class=\"aac-table__image\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2024\/01\/metlife_logo.png\" alt=\"aac-table__image\"\r\n                                 rel=\"noshare\">\r\n                        <\/a>\r\n                    <\/div>\r\n\r\n                    <div class=\"data\">\r\n\t\t\t\t\t\t <div class=\"logo\">\r\n                              \r\n                                                   \r\n                            <\/div>\r\n                                                <div class=\"score\">\r\n                            9                        <\/div>\r\n                        <div class=\"stars\">\r\n                            <div class=\"stars-inactive\">\r\n                                <div class=\"stars-active\" style=\"width: 90%\"><\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"picked\"> Picked by <span class=\"cliverse-picked-count\">11<\/span> people today!<\/div>\r\n                    <\/div>\r\n                    <div class=\"text\">\r\n                        <h4>\r\n                            <a href=\"https:\/\/www.metlifepetinsurance.com\/\" rel=\"sponsored noreferrer noopener\" target=\"_blank\"\r\n                               title=\"Lemonade\" class=\"thirstylink\">\r\n                                <span class=\"aac-table__column-title\">Metlife Pet Insurance<\/span>\r\n                            <\/a>\r\n                        <\/h4>\r\n                        <ul class=\"aac-table__features-list\">\r\n                                                            <li class=\"aac-table__features-item\"><span>Flexible premiums based on deductibles and limits<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Emergency exam fees are covered<\/span><\/li>\r\n                                                            <li class=\"aac-table__features-item\"><span>Optional preventive care coverage in Standard Wellness add-on<\/span><\/li>\r\n                                                    <\/ul>\r\n                    <\/div>\r\n                    <div class=\"action\">\r\n                        <a href=\"https:\/\/www.metlifepetinsurance.com\/\" target=\"_blank\" class=\"button\" rel=\"sponsored noreferrer noopener\" title=\"Lemonade\">Get a Quote<\/a>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\n<h2>Why Trust Cats.com<\/h2>\n<p>With three cats to care for, I spend more than I\u2019d like to admit on vet visits. As my cats get older, however, I start to worry that a sudden illness or an injury might require emergency care and expensive treatments. To determine whether pet insurance might be a good option for my own cats, I\u2019ve spent countless hours scouring the market to learn how pet insurance works and what providers are the most trustworthy.<\/p>\n<p>To create this guide, I gathered over 25 quotes and went in-depth to research the top pet insurance providers on the market, evaluating rates, policies, and customer service. I also talked with several veterinarians, insurance customers, and others to learn about their experience with and opinions on insurance for cats. Finally, I scoured review sites, reading hundreds of customer reviews to get a feel for what it\u2019s like to be a customer for each of the providers listed below.<\/p>\n<p><strong>Our Veterinary Advisors<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.linkedin.com\/in\/jennifercoatesdvm\/\" target=\"_blank\" rel=\"noopener\">Dr. Jennifer Coates, DVM<\/a><\/li>\n<li><a href=\"https:\/\/www.linkedin.com\/in\/shannon-barrett-39226040\" target=\"_blank\" rel=\"noopener\">Dr. Shannon Barrett, DVM<\/a><\/li>\n<li><a href=\"https:\/\/www.linkedin.com\/in\/gary-richter-ms-dvm-cva-cvc-48624a54\/\" target=\"_blank\" rel=\"noopener\">Dr. Gary Richter, MS, DVM, CVC, CVA<\/a><\/li>\n<\/ul>\n<h2>Top Picks Explained<\/h2>\n<p>Pet insurance is a rapidly changing industry, so our recommendations change with the times. While this video doesn\u2019t include all of our top picks, you may find it helpful in narrowing down your options.<\/p>\n<p><iframe title=\"YouTube video player\" data-cliversesrc=\"https:\/\/www.youtube.com\/embed\/9fD9WNBeTSI\" width=\"800\" height=\"400\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><\/iframe><\/p>\n<h2>The Best Pet Insurance for Cats: Our Top 10 Picks<\/h2>\n<p>There is no one-size-fits-all in pet insurance. Choosing the best insurance policy for your cat requires cultivating an understanding of the pet insurance business and doing a little self-reflection about your unique needs.<\/p>\n<p>To compare costs, we\u2019ve requested quotes from each company using the same fictional cat profile: a neutered 3-year-old domestic shorthair living in Chicago, Illinois. His name is Prince Myshkin and he\u2019ll be helping us compare the rates offered by the 9 insurance providers on this list.<\/p>\n<div class=\"su-row card-review catscom-card-review cliverse-buttons-fixing\">\n<h2 style=\"text-align: center;\"><span class=\"product-review-heading\">#1 <\/span>Best Affordable Pet Insurance For Cats: <a href=\"https:\/\/cats.com\/recommends\/lemonade\" target=\"_blank\" rel=\"sponsored noopener\">Lemonade Pet Insurance For Cats Review<\/a><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-45176 aligncenter\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/lemonade-logo-black.png\" alt=\"\" width=\"400\" height=\"115\" \/><\/p>\n<div class=\"cliverse-card-buttons links-wrap links-amz\">\n<a class=\"amz\" href=\"https:\/\/cats.com\/recommends\/lemonade\" target=\"_blank\" rel=\"sponsored noopener noreferrer\">Click Here to Get a Quote on Lemonade Pet Insurance For Cats<\/a>\n<\/div>\n<div class=\"cliverse-card-buttons links-wrap \">\n<a href=\"https:\/\/cats.com\/lemonade-pet-insurance-review\" target=\"_blank\" rel=\"noopener\">Read Our Full Brand Review<\/a>\n<\/div>\n<p>Known for fast claims payment and their hassle-free digital experience, Lemonade has been called \u201cinsurance for the 21st century.\u201d This pet health insurance company has earned 4.1 stars on Google Play and 4.9 stars in the App Store and has been highly rated by Clearsurance, Supermoney, and more.<\/p>\n<p>Lemonade offers competitive pricing on pet insurance for both dogs and cats. Their plans offer extensive coverage for diagnostics, procedures, hospitalization, emergency care, medication, accidents, and illness. With optional wellness plans, pet owners can also save on routine care and wellness exam fees.<\/p>\n<h2>Costs<\/h2>\n<p>When you fill out your cat\u2019s profile, Lemonade provides you with a starter quote for a premium based on 80% reimbursement, a $250 annual deductible, and an annual max payout of $20,000. You can adjust these values to change your premium.<\/p>\n<p>Here are the options for customizing your plan:<\/p>\n<ul>\n<li><strong>Reimbursement Percentage: <\/strong>60%, 70%, 80%, or 90%<\/li>\n<li><strong>Annual Deductible: <\/strong>$100, $250, $500, or $750<\/li>\n<li><strong>Annual Payout Maximum:<\/strong> $5,000, $10,000, $20,000, $50,000, or $100,000<\/li>\n<\/ul>\n<p>In addition to your cat\u2019s accident and illness plan, Lemonade gives you the option to add one of two Preventative and Wellness packages for between $12 and $20 per month. Both packages include an annual wellness exam, heartworm test, fecal test, and blood work as well as three vaccinations and access to online medical advice. The more expensive package includes coverage for routine dental cleanings and flea\/tick or heartworm medication.<\/p>\n<p>Outside these packages, you can extend your accident and illness coverage to include vet visit fees for around $4\/month and physical therapy for around $1.50\/month. Lemonade also offers coverage for dental illnesses (routine dental care not included) for about $13\/month and behavioral conditions for about $3.50\/month.<\/p>\n<p>You can also save with multiple pets\u2014Lemonade offers an up to 10% multi-pet discount.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-99623\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Lemonade-compressed.jpg\" alt=\"Lemonade\" width=\"1429\" height=\"523\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Lemonade-compressed.jpg 1429w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Lemonade-compressed-768x281.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Lemonade-compressed-624x228.jpg 624w\" sizes=\"auto, (max-width: 1429px) 100vw, 1429px\" \/><\/p>\n<h2>What Lemonade Pet Insurance Covers<\/h2>\n<p>In terms of coverage, Lemonade is similar to other pet insurance providers we\u2019ve reviewed. Their primary plan covers diagnostic testing, outpatient and emergency procedures, medications, and treatment for accidents and illnesses.<\/p>\n<p>As is true for many providers, Lemonade does not cover vet fees or routine wellness exams, though you can add coverage for an additional monthly fee.<\/p>\n<p>Lemonade does not cover pre-existing conditions, elective cosmetic procedures, or behavioral treatments, and they require a full medical exam within 12 months of enrollment before you can use your coverage. There\u2019s a 2-day waiting period for injury, 14 days for illness, 30 days for orthopedic conditions, and a 6-month waiting period for cruciate ligament injuries.<\/p>\n<p>With Lemonade pet insurance, you can visit any licensed veterinarian in the United States. Claims are filed through the Lemonade app and, for some simple claims, payment is made almost instantly.<\/p>\n<h2>What Do Customers Think of Lemonade Pet Insurance?<\/h2>\n<p>Lemonade is a popular pet insurance company and is generally well-liked. On PetInsuranceReview.com, customers give it a 4.9\/5 rating with 809 reviews. Customers are satisfied with the pricing, customer service, and ease of claim submission.<\/p>\n<p>On <a href=\"https:\/\/www.consumeraffairs.com\/pets\/lemonade-pet-insurance.html\" target=\"_blank\" rel=\"noopener\">Consumer Affairs<\/a>, Lemonade has a total of 465 ratings with a 4.2-star rating. Customers report positive experiences with Lemonade\u2019s customer service with several reporting it is \u201cunlike any other insurance company they\u2019ve worked with.\u201d That being said, there are a few negative reviews from customers who disagree with a claim denial.<\/p>\n<h2>Is Lemonade Pet Insurance a Good Choice for Cats?<\/h2>\n<p>Overall, Lemonade offers extensive accident and illness coverage for pets along with optional coverage for routine care and wellness visits. Though plans aren\u2019t available yet in all 50 states, customers who choose Lemonade are largely satisfied with the pricing, coverage, and customer service experience.<\/p>\n<h3>Pros<\/h3>\n<ul class=\"pro\">\n<li>Covers diagnostics, procedures, medications, accidents, and illness<\/li>\n<li>Optional add-on coverage for preventive care and annual checkups<\/li>\n<li>Customizable plans with flexible deductible, reimbursement, and annual limit<\/li>\n<li>Extend your accident and illness coverage to include vet fees for a low monthly fee<\/li>\n<li>Best pet insurance for multiple cats<\/li>\n<li>Consistently receives positive customer reviews<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul class=\"con\">\n<li>Like most insurance providers, it doesn\u2019t offer coverage for pre-existing conditions, elective procedures<\/li>\n<li>Plans aren\u2019t available in all 50 US states (though the company continues to expand its geographic coverage)<\/li>\n<\/ul>\n<\/div>\n<div class=\"su-row card-review catscom-card-review cliverse-buttons-fixing\">\n<h2 id=\"trupanion\" style=\"text-align: center;\"><span class=\"product-review-heading\">#2 <\/span>Runner Up: <a href=\"https:\/\/cats.com\/recommends\/trupanion\" target=\"_blank\" rel=\"sponsored noopener\">Trupanion Cat Insurance Review<\/a><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-44914 aligncenter\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/trupanion-pet-insurance-logo1.png\" alt=\"\" width=\"500\" height=\"148\" \/><\/p>\n<div class=\"cliverse-card-buttons links-wrap links-amz\">\n<a class=\"amz\" href=\"https:\/\/cats.com\/recommends\/trupanion\" target=\"_blank\" rel=\"sponsored noopener noreferrer\">Click Here to Get a Quote on Trupanion Pet Insurance For Cats<\/a>\n<\/div>\n<p>According to the company, Trupanion prides itself on paying out more on the dollar than any other pet insurance company. While these things lead to their higher premiums, you have peace of mind knowing your cat has some of the best coverage for their care. To date, Trupanion has covered more than 750,000 pets and has paid out nearly $3 billion in claims.<\/p>\n<p>It\u2019s the only pet insurance company that pays your vet directly within seconds instead of reimbursing you later, making it an outstanding option for those who don\u2019t want to pay extra upfront. Additionally, Trupanion is set apart from the competition with a per-condition deductible model.<\/p>\n<h2>Costs<\/h2>\n<p>Trupanion offers a single plan but premiums vary depending on the deductible. When you sign up for a quote, you can pick your monthly premium by adjusting your deductible between $0 and $1,000. This company reimburses 90% of eligible claims and is committed to having no payout limits\u2014ever. All claims are based on veterinary costs in your area, not national averages and customary charges.<\/p>\n<p>Trupanion\u2019s deductibles work on a per-condition basis, rather than annually. This deductible system is good for younger cats with a future of chronic illness but could cost you if your cat already suffers from a series of disparate conditions.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-99624\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Trupanion-compressed.jpg\" alt=\"Trupanion\" width=\"1410\" height=\"795\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Trupanion-compressed.jpg 1410w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Trupanion-compressed-768x433.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Trupanion-compressed-624x352.jpg 624w\" sizes=\"auto, (max-width: 1410px) 100vw, 1410px\" \/><\/p>\n<h2>What Trupanion Pet Insurance Covers<\/h2>\n<p>Instead of offering three or more policies of differing levels, Trupanion offers a single comprehensive policy that covers surgery, diagnostics, medications, and other treatments for new, unexpected illnesses and accidents.<\/p>\n<p>For customers looking to beef up their policy, Trupanion offers two optional additional coverage riders. The Recovery and Complementary Care rider, which covers various therapies not typically included within traditional policies, including rehabilitative care, acupuncture, chiropractic care, and homeopathy.<\/p>\n<p>The second additional rider is the Pet Owner Assistance rider, which covers expenses outside of the vet\u2019s office, including ads and rewards for lost pets, emergency boarding, liability coverage for property damage caused by your pet, and cremation and burial in the case of your pet\u2019s accidental death.<\/p>\n<p>Note that the company doesn\u2019t offer wellness coverage. <a href=\"https:\/\/www.trupanion.com\/pet-insurance-faq\/coverage\" target=\"_blank\" rel=\"noopener\">The Trupanion site <\/a>doesn\u2019t shy away from addressing this fact, explaining that \u201cTrupanion was founded to help pets get the emergency care they need, not to help pet owners with routine payments.\u201d<\/p>\n<h2>What Do Customers Think of Trupanion Pet Insurance?<\/h2>\n<p>On <a href=\"https:\/\/www.trustpilot.com\/review\/trupanion.com\" target=\"_blank\" rel=\"noopener\">Trustpilot.com<\/a>, Trupanion has a 4.4\/5 rating with over 5,300 reviews. On <a href=\"https:\/\/www.yelp.com\/biz\/trupanion-seattle-12\" target=\"_blank\" rel=\"noopener\">Yelp<\/a>, however, Trupanion only has a 2.2\/5 rating based on over 1,000 reviews.<\/p>\n<p>Like most providers, Trupanion receives its fair share of complaints about denied claims. Negative reviews also suggest a poor customer experience, describing hours spent on the phone, either waiting on hold or struggling to get results from uncooperative staff.<\/p>\n<p>However, there are also many reviews from customers who have had great experiences with their customer support and love how little they have to spend to get their cat the help they may need.<\/p>\n<h2>Is Trupanion Pet Insurance a Good Choice for Cats?<\/h2>\n<p>Monthly premiums for Trupanion pet insurance are significantly higher than average but their coverage is also more extensive than many plans. With no limitations on annual or lifetime payouts, this plan has the potential to offer significant savings over the lifetime of your pet. Keep in mind, however, that the per-incident deductible can add up quickly for older cats with multiple health issues.<\/p>\n<h3>Pros<\/h3>\n<ul class=\"pro\">\n<li>Offers comprehensive coverage<\/li>\n<li>A well-respected leader in the pet insurance space for more than 20 years<\/li>\n<li>No payout limits- ever<\/li>\n<li>24\/7\/365 customer service<\/li>\n<li>Allows you to pay your vet directly, within seconds, at checkout<\/li>\n<li>Processes the majority of claims within 2 days, many within minutes<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul class=\"con\">\n<li>May be significantly more expensive than other providers<\/li>\n<li>Deductibles are charged on a per-incident basis<\/li>\n<li>Limited options for plan customization<\/li>\n<\/ul>\n<p><strong>*Policies differ in each state. Please review the policy in your state for its coverage.<\/strong><\/p>\n<\/div>\n<div class=\"su-row card-review catscom-card-review cliverse-buttons-fixing\">\n<h2 style=\"text-align: center;\"><span class=\"product-review-heading\">#3 <\/span>Best Value Pet Insurance for Cats: <a href=\"https:\/\/chewy.sjv.io\/c\/1397719\/3054490\/32975?u=https%3A%2F%2Fwww.chewy.com%2Fpet-insurance%2F\" target=\"_blank\" rel=\"sponsored noopener\">CarePlus Pet Insurance For Cats Review<\/a><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-73547 aligncenter\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2023\/06\/CarePlus-logo.jpg\" alt=\"CarePlus logo\" width=\"326\" height=\"207\" \/><\/p>\n<div class=\"cliverse-card-buttons links-wrap links-amz\">\n<a class=\"amz\" href=\"https:\/\/chewy.sjv.io\/c\/1397719\/3054490\/32975?u=https%3A%2F%2Fwww.chewy.com%2Fpet-insurance%2F\" target=\"_blank\" rel=\"sponsored noopener noreferrer\">Click Here to Get a Quote on CarePlus Pet Insurance For Cats<\/a>\n<\/div>\n<p>CarePlus is pet insurance offered by Chewy.com. Plans are currently administered by Trupanion. Chewy\u2019s CarePlus pet insurance is fairly new, having only debuted in the fall of 2022. Though not currently available in all states, in October of 2022, Chewy <a href=\"https:\/\/www.lemonade.com\/investor\" target=\"_blank\" rel=\"noopener\">announced a partnership with Lemonade<\/a> set to expand coverage and provide a mobile-friendly claims experience.<\/p>\n<p>CarePlus offers four levels of coverage in accident and illness plans. Their highest level of coverage costs under $60\/month and all but their most basic plan have no annual payout limit. With CarePlus pet insurance, you can visit any licensed veterinarian in the United States. Claims are filed through the Chewy member portal and processed by Trupanion. Direct payments are available, and claims are paid in an average of 3 to 7 days, though many are paid within 24 hours.<\/p>\n<h2>Costs<\/h2>\n<p>All CarePlus plans, except the Preventative Care plan, include a $500 annual deductible, and there are no annual payout maximums except on the Value plan. The reimbursement rate ranges from 80% to 90%, depending on the tier of the plan you select.<\/p>\n<p>All plans include 100% reimbursement (minus deductibles) for prescription medications, supplements, and veterinary diets purchased through Chewy.com.<\/p>\n<p>In addition to your cat\u2019s accident-only or comprehensive pet insurance plan, CarePlus offers add-on Preventative Care plans for about $20 to $33 extra per month. This plan includes limited coverage for annual checkups, vaccines, blood tests, fecal tests, and flea, tick, or heartworm medications.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-99622\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/CarePlusbyChewy-compressed.jpg\" alt=\"CarePlusbyChewy\" width=\"1426\" height=\"809\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/CarePlusbyChewy-compressed.jpg 1426w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/CarePlusbyChewy-compressed-768x436.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/CarePlusbyChewy-compressed-624x354.jpg 624w\" sizes=\"auto, (max-width: 1426px) 100vw, 1426px\" \/><\/p>\n<h2>What CarePlus Pet Insurance Covers<\/h2>\n<p>CarePlus offers one accident-only plan and three tiers of accident and illness coverage. All accident and illness plans cover diagnostic testing, outpatient and emergency procedures, medications, and treatment for accidents and illnesses. All plans also include free live vet access, both video and chat, through Chewy\u2019s Connect with a Vet program.<\/p>\n<p>As is true for most pet insurance providers, CarePlus does not cover exam fees except in their top-tier plan. Neither do they cover pre-existing conditions, elective procedures, or advanced care treatments, including physical therapy, chiropractic care, and behavioral treatments.<\/p>\n<p>Though CarePlus requires waiting periods on all plans, several of them are shorter than average. Accident coverage has a 5-day waiting period, and illness coverage has a 14-day waiting period. Compared to the 30- to 60-day waiting period most plans require for cruciate ligament or hip dysplasia treatments, CarePlus only requires 14 days.<\/p>\n<p>Two features that make CarePlus pet insurance unique are that it includes access to Chewy\u2019s telehealth chat service, \u201cConnect with a Vet,\u201d and members are eligible for 100% reimbursement on the cost of prescription medications, supplements, and veterinary food purchased on Chewy.com. Considering that very few other providers offer reimbursement on these essentials, it\u2019s an appealing offer.<\/p>\n<h2>What Do Customers Think of CarePlus Pet Insurance?<\/h2>\n<p>Because CarePlus was launched less than three years ago at the time of this review, third-party reviews of the insurance are still limited. CarePlus has received average ratings from Business Insider and Canine Journal \u2013 3.78\/5 and 3.5\/5, respectively.<\/p>\n<p>Though CarePlus reviews are sparse, the plans are administered by Trupanion, which has a strong reputation in the pet insurance industry. Trupanion has a 3.9 out of 5-star rating on <a href=\"https:\/\/www.trustpilot.com\/review\/trupanion.com\" target=\"_blank\" rel=\"noopener\">Trustpilot <\/a>out of over 7,800 reviews. Negative reviews often mention poor customer service, but this issue may be mitigated by the fact that Chewy offers its own 24\/7 customer support, available by phone, email, and chat.<\/p>\n<h2>Is CarePlus Pet Insurance a Good Choice for Cats?<\/h2>\n<p>CarePlus offers a convenient, unlimited pet insurance option for Chewy shoppers. It is likely to be especially cost-effective for those with pets who require prescription medication and veterinary diets. If you\u2019re just shopping for an accident and illness plan, however, you might find lower premiums elsewhere.<\/p>\n<h3>Pros<\/h3>\n<ul class=\"pro\">\n<li>Standalone, comprehensive, and wellness plans available<\/li>\n<li>Up to 100% reimbursement on prescription medication, supplements, and veterinary diets<\/li>\n<li>Free and unlimited access to veterinarians through Chewy\u2019s Connect with a Vet program<\/li>\n<li>Direct payments are available through Trupanion<\/li>\n<li>Shorter than average waiting periods on cruciate ligament and hip dysplasia treatment<\/li>\n<li>Quick claims processing, averaging 3-7 days but often paid within 24 hours<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul class=\"con\">\n<li>Not available in three states: Arkansas, Hawaii, and Vermont<\/li>\n<li>Like most insurance providers, doesn\u2019t cover pre-existing conditions or elective procedures<\/li>\n<\/ul>\n<\/div>\n<div class=\"su-row card-review catscom-card-review cliverse-buttons-fixing\">\n<h2 id=\"embracepetinsurancegopetplan\" style=\"text-align: center;\"><span class=\"product-review-heading\">#4<\/span> Best for Deductible Options: <a href=\"https:\/\/cats.com\/recommends\/embrace\" target=\"_blank\" rel=\"sponsored noopener\">Embrace Pet Insurance For Cats Review<\/a><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-45172 aligncenter\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/embrace-pet-insurance.png\" alt=\"\" width=\"400\" height=\"110\" \/><\/p>\n<div class=\"cliverse-card-buttons links-wrap links-amz\">\n<a class=\"amz\" href=\"https:\/\/cats.com\/recommends\/embrace\" target=\"_blank\" rel=\"sponsored noopener noreferrer\">Click Here to Get a Quote on Embrace Pet Insurance For Cats.<\/a>\n<\/div>\n<p>When it comes to customization, Embrace offers greater flexibility than many plans. With five options for annual deductibles and annual reimbursement limits, you can adjust your monthly premium to suit your budget.<\/p>\n<p>Embrace also offers a rewards plan with three levels of annual reimbursement for expenses not typically covered by pet insurance plans. Some covered items include wellness exams, spay\/neuter surgery, grooming, pet activity monitors, and more.<\/p>\n<h2>Costs<\/h2>\n<p>Embrace pet insurance plans are highly adjustable, allowing you to carve out the premium and coverage combination that works for you. If you insure another pet through Embrace, you\u2019ll receive a 10% multi-pet discount on your monthly premium.<\/p>\n<p>Here are the options for customizing your plan:<\/p>\n<ul>\n<li><strong>Reimbursement Percentage:<\/strong> 70%, 80%, or 90%<\/li>\n<li><strong>Annual Deductible:<\/strong> $100, $250, $500, $750, $1,000<\/li>\n<li><strong>Annual Payout Maximum:<\/strong> $2,000, $5,000, $10,000, $15,000 or Unlimited<\/li>\n<\/ul>\n<p>The company also offers optional coverage for exam fees and prescription drugs, each for around $5 extra per month. Their Wellness Rewards plans offer reimbursement for everyday veterinary, training, and grooming costs at three levels: $300, $500, or $700. The monthly cost for these plans ranges from $23 to over $50 per month.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-99625\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Embrace-compressed.jpg\" alt=\"Embrace\" width=\"1408\" height=\"622\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Embrace-compressed.jpg 1408w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Embrace-compressed-768x339.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Embrace-compressed-624x276.jpg 624w\" sizes=\"auto, (max-width: 1408px) 100vw, 1408px\" \/><\/p>\n<h2>What Embrace Pet Insurance Covers<\/h2>\n<p>This pet insurance provider offers flexible plans covering unexpected accidents and illnesses. Although the primary plans cover strictly accidents and illness, Embrace offers an additional Wellness Rewards plan, which works as a flexible savings account covering you for up to $700 in routine care expenses.<\/p>\n<p>Note that prescription drug and exam fee coverage is not included in accident and illness plans but is available for a monthly fee.<\/p>\n<p>Cats up to age 14 are eligible for new accident and illness policies and will remain covered as they age, while new applicants over the age of 15 are restricted to accident-only coverage.<\/p>\n<h2>What Do Customers Think of Embrace Pet Insurance?<\/h2>\n<p><a href=\"https:\/\/www.yelp.com\/biz\/embrace-pet-insurance-cleveland-4\" target=\"_blank\" rel=\"noopener\">On Yelp<\/a>, 641 reviewers give Embrace a 2.1 out of 5 star rating. Of those ratings, over 400 reviewers gave the company 1 star. The brand\u2019s rating on <a href=\"https:\/\/www.consumeraffairs.com\/pets\/embrace-pet-insurance.html\" target=\"_blank\" rel=\"noopener\">Consumer Affairs <\/a>is higher at 3.8\/5 with 1,617 reviews.<\/p>\n<p>Negative reviews revolve around the provider\u2019s apparent tendency to link unrelated conditions and call them pre-existing, using this as a way to deny claims. Other reviewers describe Embrace as a compassionate, affordable choice.<\/p>\n<p>It\u2019s important to note that Embrace allows you to request a free medical history review at signup. By requesting this review, you\u2019ll learn which conditions will be deemed pre-existing and for how long. If you aren\u2019t happy with the results of the review, you can take advantage of Embrace\u2019s 30-day money-back guarantee.<\/p>\n<p>One of our experts, Kate, is an Embrace customer of three years for her dog, Archie. While she\u2019s had no trouble with the claims process, her monthly premium has increased significantly upon renewal each year.<\/p>\n<h2>Is Embrace Pet Insurance a Good Choice for Cats?<\/h2>\n<p>Embrace offers some of the most extensive coverage on the market at a reasonable price. Although customer experiences aren\u2019t universally perfect, Embrace has a generally good reputation for processing and accepting claims, providing good customer service, and leaving policyholders satisfied.<\/p>\n<h3>Pros<\/h3>\n<ul class=\"pro\">\n<li>Includes coverage for hereditary conditions<\/li>\n<li>Covers a wide range of conditions and treatments<\/li>\n<li>Reimbursements are based on actual medical costs<\/li>\n<li>Offers a Healthy Pet Discount Program<\/li>\n<li>Discounts for multiple pets and active\/former military<\/li>\n<li>Best kitten insurance<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul class=\"con\">\n<li>According to customer reviews, Embrace is inclined to deny claims on the pretense that unrelated conditions are linked and thus pre-existing<\/li>\n<li>Prescription drug coverage is an additional fee<\/li>\n<\/ul>\n<\/div>\n<div class=\"su-row card-review catscom-card-review cliverse-buttons-fixing\">\n<h2 id=\"figopetinsurance\" style=\"text-align: center;\"><span class=\"product-review-heading\">#5<\/span> Best Pet Insurance For Older Cats: <a href=\"https:\/\/figopetinsurance.com\/#get-a-quote\" target=\"_blank\" rel=\"sponsored noopener\">Figo Pet Insurance For Cats Review<\/a><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-45177 aligncenter\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/figo.jpg\" alt=\"\" width=\"300\" height=\"168\" \/><\/p>\n<div class=\"cliverse-card-buttons links-wrap links-amz\">\n<a class=\"amz\" href=\"https:\/\/figopetinsurance.com\/#get-a-quote\" target=\"_blank\" rel=\"sponsored noopener noreferrer\">Click Here to Get a Quote on Figo Pet Insurance For Cats<\/a>\n<\/div>\n<p>While some pet insurance companies don\u2019t offer coverage for pets over a certain age, Figo has no upper age limit. Figo simply states that, when renewing a policy for cats 10 years or older, customers should follow their veterinarian\u2019s advice regarding senior wellness testing.<\/p>\n<p>Figo also offers a few features that don\u2019t come standard among pet insurance providers. For example, coverage comes with the Pet Cloud, a cloud-based medical history and planning application that allows you to manage your cat\u2019s insurance claims and medical life from your smartphone. In addition to medical management, the Pet Cloud is a full-spectrum pet management app with interesting features like 24\/7 live vet chat, geolocation, and pet-specific landmark discovery.<\/p>\n<h2>Costs<\/h2>\n<p>Figo\u2019s policies are fairly flexible and competitively priced. Their recommended plan offers up to $10,000 of annual coverage with a $250 deductible and an 80% reimbursement percentage. For Prince Myshkin, a higher level of coverage with 90% reimbursement, $500 deductible, and no annual payout limit costs an extra $27 per month.<\/p>\n<p>Here are the options for creating a custom plan:<\/p>\n<ul>\n<li><strong>Reimbursement Percentage<\/strong>: 70%, 80%, 90%, or 100%<\/li>\n<li><strong>Annual Deductible<\/strong>: $100, $250, $500, $750, $1,000, or $1,500<\/li>\n<li><strong>Annual Payout Maximum<\/strong>: $5,000, $10,000, or Unlimited<\/li>\n<\/ul>\n<p>For around $11\/month you can add coverage for veterinary exam fees and an optional Wellness plan costs about $16\/month.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-99633\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Figo-compressed.jpg\" alt=\"Figo\" width=\"1417\" height=\"689\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Figo-compressed.jpg 1417w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Figo-compressed-768x373.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Figo-compressed-624x303.jpg 624w\" sizes=\"auto, (max-width: 1417px) 100vw, 1417px\" \/><\/p>\n<h2>What Figo Pet Insurance Covers<\/h2>\n<p>Figo offers three levels of accident and illness coverage as well as a custom plan option. This company covers veterinary fees, emergency care, hereditary conditions, surgery, prescription medications, chronic conditions, specialty care, and other treatments common to most accident and illness coverage. Figo waives the deductible and copay for lifesaving treatment related to accidents or injuries.<\/p>\n<p>If you\u2019d like to beef up your coverage, you can opt for several add-ons for exam fees and routine care. The Wellness plan includes routine care coverage for wellness exams, vaccines, annual diagnostic tests, and spay\/neuter or dental cleaning.<\/p>\n<h2>What Do Customers Think of Figo Pet Insurance?<\/h2>\n<p>On PetInsuranceReview.com, Figo is rated 4.2\/5 with over 2,600 reviews. Many customers comment on the ease of Figo\u2019s mobile claims processing. The reviews on this site are populated from numerous sources, however. The majority come from Trustpilot.com where Figo is rated lower at 3.9\/5 with 2,100 reviews.<\/p>\n<p>Figo has a 2.8\/5 rating on Yelp with 360 reviews. The complaints on Yelp mirror the issues customers note on other review sites. Negative reviews are largely centered around disagreement with claims denial and annual premium increases.<\/p>\n<p>Lexi N. of Encinitas, California, said: \u201cThe platform is easy to use and the customer service is good, no doubt, but unfortunately I cannot continue to be part of a service that raises premiums 50%-100% every year.\u201d<\/p>\n<h2>Is Figo Pet Insurance a Good Choice for Cats?<\/h2>\n<p>Customer experience with Figo is extremely mixed. What both satisfied and dissatisfied customers seem to agree on, however, is that the mobile claims process is fast and easy to use. That said, premiums do tend to rise each year. Figo may be most cost-effective for young, healthy cats without a history of pre-existing conditions.<\/p>\n<h3>Pros<\/h3>\n<ul class=\"pro\">\n<li>Offers a great customer support experience<\/li>\n<li>The PetCloud makes it easy to organize your cat\u2019s medical life<\/li>\n<li>Short reimbursement wait time<\/li>\n<li>Flexible policies make it possible to adapt the plan to suit your financial preferences<\/li>\n<li>Offers a diminishing deductible<\/li>\n<li>Waives the deductible and copay for lifesaving accident or injury treatment<\/li>\n<li>Extensive, highly-adjustable coverage<\/li>\n<li>One of the best options for senior cats<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul class=\"con\">\n<li>A relative newcomer to the pet insurance business\u2014it\u2019s unclear how drastically the provider will change or how premiums will increase as they become established in the industry<\/li>\n<\/ul>\n<\/div>\n<div class=\"su-row card-review catscom-card-review cliverse-buttons-fixing\">\n<h2 id=\"pumpkinpetinsurance\" style=\"text-align: center;\"><span class=\"product-review-heading\">#6<\/span> Best Insurance for Kittens and Young Cats: <a href=\"https:\/\/cats.com\/recommends\/pumpkin\" target=\"_blank\" rel=\"sponsored noopener\">Pumpkin Pet Insurance For Cats Review<\/a><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-45174 aligncenter\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/Pumpkin_Logo.jpg\" alt=\"\" width=\"400\" height=\"110\" \/><\/p>\n<div class=\"cliverse-card-buttons links-wrap links-amz\">\n<a class=\"amz\" href=\"https:\/\/cats.com\/recommends\/pumpkin?sid=Zojr5qPF3fVkyOAx7G64tt6ShBczRSjkqb\" target=\"_blank\" rel=\"sponsored noopener noreferrer\">Click Here For a Quote on Pumpkin Pet Insurance For Cats<\/a>\n<\/div>\n<p>Launched in the spring of 2020, Pumpkin is one of the newest additions to the world of pet insurance. Owned by the world\u2019s largest animal drug and vaccine manufacturer and headed up by one of the entrepreneurs behind Ollie dog food, this company has roots in multiple parts of the veterinary and pet care industry.<\/p>\n<p>While Pumpkin\u2019s plans are less customizable than others on the market, some customers find the brand\u2019s simplicity attractive. Pumpkin makes enrollment easy and doesn\u2019t exclude things other pet insurance plans do, like exam fees, alternative therapies, and microchipping. For cat owners who are new to pet insurance\u2014especially those with kittens and young, healthy cats\u2014Pumpkin may be a good choice.<\/p>\n<h2>Costs<\/h2>\n<p>Pumpkin\u2019s insurance rates aren\u2019t very flexible and, while they\u2019re not particularly high in the first place, their monthly rates won\u2019t go as low as those offered by some other providers.<\/p>\n<p>The options for customizing a Pumpkin pet insurance plan include:<\/p>\n<ul>\n<li><strong>Reimbursement Percentage: <\/strong>80% or 90%<\/li>\n<li><strong>Annual Coverage Limit:<\/strong> $5,000, $7,000, $15,000, or Unlimited<\/li>\n<li><strong>Annual Deductible:<\/strong> $100, $250, $500, or $1,000<\/li>\n<\/ul>\n<p>The only add-on is a Preventive Essentials kit which costs around $15\/month and has a 12-month minimum. Customers with multiple pets can save 10% on their monthly premiums by insuring a second pet.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-99627\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Pumpkin-compressed.jpg\" alt=\"Pumpkin\" width=\"1411\" height=\"687\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Pumpkin-compressed.jpg 1411w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Pumpkin-compressed-768x374.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Pumpkin-compressed-624x304.jpg 624w\" sizes=\"auto, (max-width: 1411px) 100vw, 1411px\" \/><\/p>\n<h2>What Pumpkin Pet Insurance Covers<\/h2>\n<p>While Pumpkin prioritizes simplicity, they\u2019ve also expanded their plans\u2019 flexibility. They offer a simple plan that covers accidents and illnesses, including exam fees. Pumpkin\u2019s plans also cover alternative therapies, prescription food, and microchipping at no additional cost.<\/p>\n<p>If you\u2019re interested in wellness coverage, you can tack on Pumpkin\u2019s preventive care pack for an additional monthly fee. This package is much more limited than the typical wellness package, however. It only includes one annual wellness exam, one vaccine, and one fecal test, but customers receive a full refund, not the 90% reimbursement rate.<\/p>\n<h2>What Do Customers Think of Pumpkin Pet Insurance?<\/h2>\n<p>The brand has 2,000 reviews on <a href=\"https:\/\/www.trustpilot.com\/review\/www.pumpkin.care\" target=\"_blank\" rel=\"noopener\">Trustpilot.com<\/a> with an overall 4.7\/5 rating. Positive reviews mention Pumpkin\u2019s promptness in reimbursing claims and good customer service.<\/p>\n<p>Customer ratings on <a href=\"https:\/\/www.yelp.com\/biz\/pumpkin-pet-insurance-new-york-2\" target=\"_blank\" rel=\"noopener\">Yelp<\/a> trend more negative, with a total of 113 reviewers giving Pumpkin a 2.5\/5 rating. Several dissatisfied customers express frustration with the denial of claims for prescriptions that were previously covered. Some customers also reported issues with denial based on pre-existing conditions.<\/p>\n<h2>Is Pumpkin Pet Insurance a Good Choice for Cats?<\/h2>\n<p>If you\u2019re new to pet insurance, Pumpkin has a few things going for it. Their singular plan keeps things simple and they show you the exact dates your waiting periods will end on the signup page. Though reimbursement percentages are limited to two options, Pumpkin pet insurance is competitively priced. It may be a cost-effective option for kittens and younger cats with no existing medical issues.<\/p>\n<h3>Pros<\/h3>\n<ul class=\"pro\">\n<li>Offers extensive coverage for cats 8 weeks and older<\/li>\n<li>All plans include veterinary exam fees<\/li>\n<li>Enrollment process is easy with clear indication of waiting periods<\/li>\n<li>High standard reimbursement percentage of 90%<\/li>\n<li>Multi-pet discount of 10% available<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul class=\"con\">\n<li>Fairly new company with limited customer reviews<\/li>\n<li>Reimbursement percentage is less customizable than other insurance plans<\/li>\n<\/ul>\n<\/div>\n<div class=\"su-row card-review catscom-card-review cliverse-buttons-fixing\">\n<h2 id=\"gopetplan\" style=\"text-align: center;\"><span class=\"product-review-heading\">#7<\/span> Most Comprehensive Pet Insurance: <a href=\"https:\/\/cats.com\/recommends\/fetch-pet-insurance\" target=\"_blank\" rel=\"sponsored noopener\">Fetch Pet Insurance For Cats Review<\/a><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-40936 aligncenter\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/02\/fetch.svg\" alt=\"\" width=\"377\" height=\"95\" \/><\/p>\n<div class=\"cliverse-card-buttons links-wrap links-amz\">\n<a class=\"amz\" href=\"https:\/\/cats.com\/recommends\/fetch-pet-insurance\" target=\"_blank\" rel=\"sponsored noopener noreferrer\">Click Here to Get a Quote on Fetch Pet Insurance For Cats<\/a>\n<\/div>\n<p>Originally marketed under the name Petplan, the Fetch pet insurance company was recently taken over by Group Nine Media, the parent company of American media brand The Dodo.<\/p>\n<p>Fetch offers comprehensive pet insurance in one simple plan with several options for customization. What sets this company apart from the competition is that all plans include coverage for veterinary exam fees. Fetch also covers holistic care and breed-specific conditions.<\/p>\n<h2>Costs<\/h2>\n<p>Fetch is a customizable pet insurance option, though the options are more limited than other companies. Customers can choose from three levels in the three customization categories: annual payout, annual deductible, and reimbursement.<\/p>\n<p>Here are the options for customizing your plan:<\/p>\n<ul>\n<li><strong>Reimbursement Percentage<\/strong>: 70%, 80%, or 90%<\/li>\n<li><strong>Annual Deductible<\/strong>: $250, $300, or $400<\/li>\n<li><strong>Annual Payout Maximum<\/strong>: $5,000, $10,000, or $15,000<\/li>\n<\/ul>\n<p>For added savings, Fetch offers a Healthy Pet Credit. For each 12-month period your cat is enrolled without a paid claim reimbursement, Fetch will apply a 15% credit to your premium, up to a total discount of 30%.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-99626\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Fetch-compressed.jpg\" alt=\"Fetch\" width=\"1413\" height=\"534\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Fetch-compressed.jpg 1413w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Fetch-compressed-768x290.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Fetch-compressed-624x236.jpg 624w\" sizes=\"auto, (max-width: 1413px) 100vw, 1413px\" \/><\/p>\n<h2>What Fetch Pet Insurance Covers<\/h2>\n<p>Fetch offers extensive coverage with few exclusions outside the typical. Fetch\u2019s comprehensive coverage includes dental care, dermatology, neurology, alternative therapies, and rehabilitation. In contrast to many providers, Fetch includes veterinary exam fees in their standard coverage.<\/p>\n<p>This insurance provider doesn\u2019t offer wellness coverage, which isn\u2019t necessarily a bad thing. Wellness coverage tends to bump up premiums without offering anything you couldn\u2019t cover with an ordinary savings account.<\/p>\n<p>Unlike most other pet insurance providers, Fetch has no upper age limit, making it worth considering if you\u2019d like to insure an older cat.<\/p>\n<h2>What Do Customers Think of Fetch Pet Insurance?<\/h2>\n<p>Fetch is a generally well-regarded pet insurance company, but it\u2019s not universally loved. On <a href=\"https:\/\/www.trustpilot.com\/review\/fetchpet.com?stars=5\" target=\"_blank\" rel=\"noopener\">Trustpilot.com<\/a>, Fetch is rated 4.4\/5 with 4,322 reviews. Satisfied customers are pleased with the company\u2019s customer service and the ease of Fetch\u2019s claims process.<\/p>\n<p>On <a href=\"https:\/\/www.yelp.com\/biz\/fetch-pet-insurance-new-york\" target=\"_blank\" rel=\"noopener\">Yelp<\/a>, customer sentiments trend toward the negative, giving it a 1.7 out of 5 star rating based on 154 reviews. Negative reviews commonly talk about premium hikes and broadly defined pre-existing conditions.<\/p>\n<h2>Is Fetch Pet Insurance a Good Choice for Cats?<\/h2>\n<p>Fetch isn\u2019t the most customizable pet insurance plan on the market but premiums for young, healthy pets are competitive. If you\u2019re looking for a plan that includes veterinary exam fees or want to offer your pet alternative therapies without an additional monthly fee, Fetch is an option worth considering.<\/p>\n<h3>Pros<\/h3>\n<ul class=\"pro\">\n<li>All plans cover injuries and illnesses, including those due to hereditary conditions<\/li>\n<li>Offers highly comprehensive coverage<\/li>\n<li>Flexible pricing and payout<\/li>\n<li>Veterinary exam fee coverage is standard<\/li>\n<li>Dental benefits are comprehensive \u2013 not limited to the canine teeth<\/li>\n<li>Coverage includes alternative therapies<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul class=\"con\">\n<li>Some customers report significant annual premium hikes<\/li>\n<li>Numerous negative reviews center on claims denials due to broadly defined pre-existing conditions<\/li>\n<\/ul>\n<\/div>\n<div class=\"su-row card-review catscom-card-review cliverse-buttons-fixing\">\n<h2 id=\"nationwidepetinsurance\" style=\"text-align: center;\"><span class=\"product-review-heading\">#8 <\/span> Most Reputable Insurance for Cats: <a href=\"https:\/\/www.nationwide.com\/\" target=\"_blank\" rel=\"sponsored noopener\">Nationwide Pet Insurance For Cats Review<\/a><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-45175 aligncenter\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/nationwide-logo.png\" alt=\"\" width=\"400\" height=\"225\" \/><\/p>\n<div class=\"cliverse-card-buttons links-wrap links-amz\">\n<a class=\"amz\" href=\"https:\/\/www.nationwide.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Click Here to Get a Quote on Nationwide Pet Insurance For Cats<\/a>\n<\/div>\n<p>This well-established company has been selling pet insurance under the VPI (Veterinary Pet Insurance) name since 1982. VPI sold its first policy to a famous dog of the screen<span style=\"font-weight: 400;\">\u2014<\/span>a collie best known for portraying \u201cLassie\u201d. In 2015, Nationwide discarded the VPI name and rebranded as simply Nationwide Pet Insurance.<\/p>\n<h2>Costs<\/h2>\n<p>Nationwide\u2019s monthly premiums appear to be in line with the market average but there are some key cost differences to consider. Deductibles are assessed annually, as is typical among pet insurance companies, but annual payouts are <a href=\"https:\/\/qec2.petinsurance.com\/assets\/pdf\/Major_Medical_Benefit_Schedule_qec.pdf\" target=\"_blank\" rel=\"noopener\">defined per condition<\/a>. In some cases, this could end up being a benefit.<\/p>\n<p>For example, coverage for a cat who experiences multiple separate but minor medical issues won\u2019t be limited by a single annual payout. If your cat experiences a serious health problem, however, Nationwide\u2019s reimbursement may be lower than another plan\u2019s.<\/p>\n<p>Here are the options for creating a custom plan:<\/p>\n<ul>\n<li><strong>Reimbursement Percentage: <\/strong>50%, 70%, or 80%<\/li>\n<li><strong>Annual Deductible: <\/strong>$250, $500, or $1,000<\/li>\n<li><strong>Annual Payout Maximum (for accident coverage): <\/strong>$2,500 or $5,000<\/li>\n<li><strong>Annual Payout Maximum (for illness coverage): <\/strong>$5,000 or $10,000<\/li>\n<\/ul>\n<p>Nationwide also offers a Wellness Add-on for $6-12 monthly. This option has no deductible you need to meet before it kicks in.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-99629\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Nationwide-compressed.jpg\" alt=\"Nationwide\" width=\"1413\" height=\"699\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Nationwide-compressed.jpg 1413w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Nationwide-compressed-768x380.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/Nationwide-compressed-624x309.jpg 624w\" sizes=\"auto, (max-width: 1413px) 100vw, 1413px\" \/><\/p>\n<h2>What Nationwide Pet Insurance Covers<\/h2>\n<p>Nationwide used to offer a few different pet insurance plans, including Major Medical and Whole Pet. They\u2019ve since canceled these plans. Due to rising veterinary costs, Nationwide has also recently dropped 100,000 pet policies, leaving many cat guardians in the lurch.<\/p>\n<p>You can still customize a plan with Nationwide to protect your pet. Accident coverage is required on all Nationwide pet plans and covers your cat for broken bones, ingestion of a foreign body, animal attacks, and more.<\/p>\n<p>Illness coverage can be added separately and covers the usual conditions like allergies, diabetes, bladder infections, and kidney disease. Diagnostic imaging such as X-rays, CT scans, and ultrasounds are also included, as well as hereditary conditions like Entropian and Renal Dysplasia.<\/p>\n<p>You can also purchase a Wellness Add-On, which reimburses fixed amounts for routine and preventative care. For instance, this add-on covers $35 for heartworm or FeLV\/FIV testing and $100 for flea control. You don\u2019t have to worry about covering a deductible for the Wellness coverage.<\/p>\n<p>All plans offer 24\/7 access to Nationwide\u2019s vet helpline.<\/p>\n<h2>What Do Customers Think of Nationwide Pet Insurance?<\/h2>\n<p>Being a big fish in the pet insurance ocean doesn\u2019t make Nationwide Pet Insurance any better than younger companies. Ratings have a wide gap from one site to the next. Out of over 500 reviews on <a href=\"https:\/\/www.consumeraffairs.com\/pets\/vpi.html\" target=\"_blank\" rel=\"noopener\">ConsumerAffairs<\/a>, Nationwide has a 1.2\/5 star rating. But on <a href=\"https:\/\/www.trustpilot.com\/review\/www.petinsurance.com\" target=\"_blank\" rel=\"noopener\">TrustPilot<\/a>, it\u2019s earned 4.3 stars from over 700 reviews.<\/p>\n<p>It\u2019s worth taking negative reviews with a grain of salt. This disparity between sites could reflect the company\u2019s ever-changing plans. Their plans formerly offered a standard 90% reimbursement rate, but complaints about denied claims and limitations were common. The new plans leave little room for interpretation when it comes to payout.<\/p>\n<h2>Is Nationwide Pet Insurance a Good Choice for Cats?<\/h2>\n<p>At first glance, Nationwide may appear to be a more cost-effective option than other plans. Once you consider that annual payouts are limited per condition, however, coverage may be less generous than you might think. It\u2019s important to review your policy thoroughly before you purchase to make sure you know what you\u2019re getting.<\/p>\n<h3>Pros<\/h3>\n<ul class=\"pro\">\n<li>Three available plans with optional Wellness coverage<\/li>\n<li>Flexibility of per-condition limits or standard reimbursement percentages<\/li>\n<li>Policyholders can take advantage of Nationwide\u2019s vet helpline 24\/7<\/li>\n<li>All plans include some degree of coverage for hereditary and congenital conditions<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul class=\"con\">\n<li>Per-condition defined benefits may limit reimbursement in some cases<\/li>\n<li>Limited and lower-than-average reimbursement percentages<\/li>\n<li>No option for unlimited annual payouts<\/li>\n<\/ul>\n<\/div>\n<div class=\"su-row card-review catscom-card-review cliverse-buttons-fixing\">\n<h2 id=\"PetAssure\" style=\"text-align: center;\"><span class=\"product-review-heading\">#9 <\/span>Best Pet Insurance For Cats With Pre-existing Conditions: <a href=\"https:\/\/cats.com\/recommends\/pet-assure\" target=\"_blank\" rel=\"sponsored noopener\">Pet Assure Pet Insurance Alternative Review<\/a><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-45171 aligncenter\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2022\/05\/pet-assure.png\" alt=\"\" width=\"359\" height=\"140\" \/><\/p>\n<div class=\"cliverse-card-buttons links-wrap links-amz\">\n<a class=\"amz\" href=\"https:\/\/cats.com\/recommends\/pet-assure\" target=\"_blank\" rel=\"sponsored noopener noreferrer\">Click Here to Get a Quote on Pet Assure Pet Insurance For Cats<\/a>\n<\/div>\n<p>With no exclusions, maximums, breed restrictions, or pages of fine print, Pet Assure could be a good choice for guardians of cats with preexisting conditions. All animals of any age, with any conditions, are eligible. The company also offers a Veterinary Discount Plan that people can enroll in through participating employers.<\/p>\n<h2>Costs<\/h2>\n<p>There are three Pet Assure plans:<\/p>\n<ul>\n<li><strong>Basic<\/strong> is $18\/month<\/li>\n<li><strong>Essential<\/strong> is $34\/month<\/li>\n<li><strong>Premium<\/strong> is $57\/month<\/li>\n<\/ul>\n<p>There are no deductibles, and reimbursements adhere to fixed amounts for specific services.<\/p>\n<p>In addition to these reimbursed services, each tier includes the company\u2019s Veterinary Discount Plan, which offers savings of 25% on all in-house medical services at participating vets. It\u2019s as simple as presenting your ID card on the Pet Assure app.<\/p>\n<p>Paying annually rather than monthly will save you a few dollars per month. Pet Assure also offers a 30-day money-back guarantee.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-99630\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/PetAssure-compressed.jpg\" alt=\"PetAssure\" width=\"1417\" height=\"758\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/PetAssure-compressed.jpg 1417w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/PetAssure-compressed-768x411.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/PetAssure-compressed-624x334.jpg 624w\" sizes=\"auto, (max-width: 1417px) 100vw, 1417px\" \/><\/p>\n<h2>What Pet Assure Covers<\/h2>\n<p>All three Pet Assure plans cover at least one wellness visit per year. Depending on your plan, you\u2019ll also be covered for 2 to 4 yearly vaccinations, one routine bloodwork test, and one fecal test. In addition, the two top tiers reimburse up to $200 for grooming and preventatives.<\/p>\n<p>Along with the 25% Veterinary Discount, each plan includes a Lost Pet Recovery Service through ThePetTag. Members receive a unique ID tag to attach to their pet\u2019s collar. If your cat ever goes missing, the finder can scan or call ThePetTag to access your contact information.<\/p>\n<h2>What Do Customers Think of Pet Assure?<\/h2>\n<p>Despite being in operation since 1995, online reviews for Pet Assure are limited. On <a href=\"https:\/\/www.trustpilot.com\/review\/petassure.com\" target=\"_blank\" rel=\"noopener\">Trustpilot.com<\/a>, 85 customer reviews give Pet Assure an average rating of 4 out of 5 stars. In <a href=\"https:\/\/www.consumeraffairs.com\/pets\/petassure.html\" target=\"_blank\" rel=\"noopener\">Consumer Affairs<\/a>, Pet Assure was awarded just one star, out of only six reviews.<\/p>\n<p>Users describe the Pet Assure experience as simple and straightforward. The discount plan eliminates the need to worry about filing claims and dealing with exclusions. Some negative comments highlight a point that\u2019s worth considering \u2013 that some veterinary practices charge more than others for the same services. If there aren\u2019t many in-network veterinarians in your area, it\u2019s worth comparing prices before you pay for a plan.<\/p>\n<h2>Is Pet Assure a Good Choice for Cats?<\/h2>\n<p>It could be! Every pet is welcome, regardless of age, breed, species, or pre-existing conditions. Pet Assure is popular among multi-pet families who appreciate the low price and convenience of keeping all of their pets on the same plan. It can also help to ease the burden of catastrophic expenses, but if you\u2019re afraid that a multi-thousand dollar bill will knock you out financially, more comprehensive insurance is probably a better option.<\/p>\n<h3>Pros<\/h3>\n<ul class=\"pro\">\n<li>Doesn\u2019t exclude any pets, regardless of age or health history<\/li>\n<li>Comes with a 24\/7 lost pet recovery service<\/li>\n<li>All medical procedures and in-house veterinary services are covered<\/li>\n<li>No deductibles or limits<\/li>\n<li>Monthly fees are usually significantly lower than those offered by insurance, especially for multi-pet homes<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul class=\"con\">\n<li>Relatively few vets are in the Pet Assure network, so double-check before bringing your card into a new office<\/li>\n<li>Some veterinarians may charge more than others<\/li>\n<\/ul>\n<\/div>\n<div class=\"su-row card-review catscom-card-review cliverse-buttons-fixing\">\n<h2 id=\"PetAssure\" style=\"text-align: center;\"><span class=\"product-review-heading\">#10 <\/span>Best Pricing Flexibility: <a href=\"https:\/\/www.metlifepetinsurance.com\/\" target=\"_blank\" rel=\"sponsored noopener noreferrer\">Metlife Pet Insurance<\/a><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-82790 aligncenter\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2024\/01\/metlife_logo.png\" alt=\"\" width=\"360\" height=\"144\" \/><\/p>\n<div class=\"cliverse-card-buttons links-wrap links-amz\">\n<a class=\"amz\" href=\"https:\/\/www.metlifepetinsurance.com\/\" target=\"_blank\" rel=\"sponsored noopener noreferrer\">Click Here to Get a Quote on MetLife Pet Insurance for Cats<\/a>\n<\/div>\n<p>Voted \u201cPet Insurance of the Year\u201d in both 2022 and 2023\u2019s Pet Independent Innovation Awards, MetLife pet insurance offers pricing flexibility few other companies can match. With reimbursement rates ranging from 50% to 100% and deductibles as low as $50 or as high as $2,500 per year, it\u2019s easy to find a rate that works for you.<\/p>\n<p>Having been in business for over 150 years, MetLife also has a strong reputation in the insurance industry. MetLife first started offering pet insurance in 2019 after buying an existing company, PetFirst, which had been in business for 15 years. Costs After providing some basic information about your cat\u2019s age, sex, and breed, MetLife provides you with a basic quote. The plan is based on an 80% reimbursement rate, $250 deductible, and an annual benefit limit of $5,000.<\/p>\n<h2><span lang=\"EN\">Costs<\/span><\/h2>\n<p>Here are the options for customizing your plan:<\/p>\n<ul>\n<li><strong>Reimbursement Percentage:<\/strong> 70%, 80%, or 90%<\/li>\n<li><strong>Annual Deductible:<\/strong> $50, $100, $250, $500<\/li>\n<li><strong>Annual Payout Maximum:<\/strong> $2,000, $5,000, or $10,00<\/li>\n<\/ul>\n<p>To customize your plan you can make individual selections or you can choose from preset options like a balanced plan or high-deductible plan. MetLife also offers optional preventive care coverage. The high-deductible plans have the lowest monthly premium.<\/p>\n<p>You can further reduce your premium costs with one of three discounts. The Annual Care Discount is a 10% discount for veterinarians and animal care workers. There\u2019s also a 10% discount for serving military, veterans, first responders, and healthcare workers. Finally, they offer a $1 monthly discount when coverage is purchased online.<\/p>\n<p>Some customers may qualify for a reimbursement rate as low as 50% for MetGen underwritten policies, while IAIC underwritten policies may have a reimbursement rate as low as 65%.<\/p>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-99631\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/MetLife-compressed.jpg\" alt=\"MetLife\" width=\"1401\" height=\"643\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/MetLife-compressed.jpg 1401w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/MetLife-compressed-768x352.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2025\/03\/MetLife-compressed-624x286.jpg 624w\" sizes=\"auto, (max-width: 1401px) 100vw, 1401px\" \/><br \/>\nWhat MetLife Pet Insurance Covers<\/h2>\n<p>The coverage MetLife offers is very similar to other pet insurance plans. The standard plan includes coverage for accidents and illnesses but doesn\u2019t cover preventive care. You\u2019d need to choose the Standard Wellness add-on for that.<\/p>\n<p>MetLife\u2019s accident and illness plan covers veterinary bills related to accidents and injuries as well as sudden and chronic illnesses. Unlike some plans, MetLife does cover emergency exam fees and prescription food. The plan also includes holistic and alternative therapies like acupuncture, laser therapy, and hydrotherapy.<\/p>\n<p>Like most pet insurance plans, MetLife doesn\u2019t cover pre-existing conditions and preventive care coverage is not standard. If you choose the preventive care add-on, you\u2019ll receive limited benefits for annual exams and vaccines, spay\/neuter surgery, parasite prevention, and dental cleanings.<\/p>\n<h2>What Do Customers Think of MetLife Pet Insurance?<\/h2>\n<p>Because MetLife only started offering pet insurance a few years ago, reviews for these policies are still fairly limited. That said, MetLife is one of NerdWallet\u2019s top choices, earning 5 stars for overall performance. Many of the positive customer reviews online are left by pet owners who were specifically looking for a budget-friendly plan.<\/p>\n<h2>Is MetLife Pet Insurance a Good Choice for Cats?<\/h2>\n<p>Overall, MetLife pet insurance seems to be well-liked among pet owners. Customers appreciate the flexibility to customize the plans with a high-deductible option for maximum savings on premiums. The coverage seems to be similar to other companies.<\/p>\n<h3>Pros<\/h3>\n<ul class=\"pro\">\n<li>Flexible premiums based on deductibles and limits<\/li>\n<li>Emergency exam fees are covered<\/li>\n<li>Optional preventive care coverage in Standard Wellness add-on<\/li>\n<li>Insure up to three pets on the same plan<\/li>\n<li>Multiple discounts available<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul class=\"con\">\n<li>Reimbursement rate availability varies<\/li>\n<li>Like other companies, doesn\u2019t cover pre-existing conditions<\/li>\n<li>Pet insurance is still fairly new, though MetLife has existed for 150 years<\/li>\n<\/ul>\n<\/div>\n<h2>Is Cat Insurance Worth It? What Reddit Users Have to Say<\/h2>\n<p>Everyone&#8217;s situation is unique, so cat insurance may be more appropriate for some cat owners than others. The decision is entirely up to you, but it may help you make your decision to hear what some real users have to say about some of the pet insurance companies on this list.<\/p>\n<p><strong>Lemonade Customer Review: &#8220;The most bang for your buck.&#8221;<\/strong><\/p>\n<p>\u201cI did a lot of digging beforehand and Lemonade was in the top 3 of every top 10 list I looked at and it was consistently the most bang for your buck (ie: Yeah, I could have insured him for $8 a month but it was with a $2k deductible). I live in NY where vets are a bit pricey which is why my base charge was $18 a month but the national average was $14.<\/p>\n<p>I also picked the midrange insurance. I could have paid less and got a $500 deductible or more with a $0 deductible.\u201d \u2013 <a href=\"https:\/\/www.reddit.com\/r\/cats\/comments\/tbulai\/if_you_are_thinking_of_getting_pet_insurance_but\/\" target=\"_blank\" rel=\"noopener\">Reddit user u\/quitmybellyachin<\/a><\/p>\n<p><strong>Embrace Customer Review: &#8220;The coverage is easy to understand.&#8221; <\/strong><\/p>\n<p>&#8220;I have Embrace now and I&#8217;m very pleased with them. The coverage is easy to understand and I haven&#8217;t had trouble getting straight answers from anyone on the occasions that I&#8217;ve called to ask questions&#8230;<\/p>\n<p>They&#8217;ve paid out about $1500 without a whimper in my first year, so coverage is already well worth it. I just got my renewal notice, this year&#8217;s policy is about $60 higher than last year&#8217;s which is a typical increase based on other companies I&#8217;ve had in the past.&#8221; &#8211; <a href=\"https:\/\/www.reddit.com\/r\/dogs\/comments\/y8cqr2\/can_we_discuss_best_pet_insurance_anecdotes\/\" target=\"_blank\" rel=\"noopener\">Reddit user u\/chernaboggles<\/a><\/p>\n<p><strong>Fetch Customer Review: &#8220;I get reimbursed directly into my account.&#8221;<\/strong><\/p>\n<p>&#8220;I&#8217;ve had both fetch and trupanion through work. My Fetch plan is much better. The $250 deductible is yearly, vs per issue; the coverage is higher (90% vs 80%) and unlike Trupanion they cover exam fees which is HUGE (my vet charges 150 per exam, and those can really stack up if your pet gets a long running ear infection etc).<\/p>\n<p>My gripe with Fetch is that they request so many medical records. Every time you submit a claim you need new medical records and sometimes they request other completely random documentation. So it takes forever going back and forth with my vet and them, and you kind of have to babysit your claim. You can expect to pay a lot out of pocket and not see money for months.<\/p>\n<p>I get reimbursed directly into my bank account &#8211; no paper checks. For me, Trupanion didn&#8217;t pay on the spot, I also had to submit claims. However Trupanion was much quicker about approving them with no back and forth or hassle. That was pretty much the only advantage about them.&#8221; &#8211; <a href=\"https:\/\/www.reddit.com\/r\/puppy101\/comments\/umudnk\/fetch_pet_insurance_vs_trupanion\/\" target=\"_blank\" rel=\"noopener\">Reddit user u\/bedlingtonmom<\/a><\/p>\n<p><strong>Trupanion Customer Review: &#8220;They can pay some vets directly.&#8221; <\/strong><\/p>\n<p>&#8220;I LOVE Trupanion. They come highly recommended by vets. They can pay some vets directly so I don&#8217;t have to wait to be reimbursed. (Their website has a list of direct pay vets). I did not care for the idea of a per condition deductible, so I chose to get a zero deductible policy. Once you choose your deductible with Trupanion, you can never lower it, but you can raise it later if you want.&#8221; &#8211; <a href=\"https:\/\/www.reddit.com\/r\/dogs\/comments\/y8cqr2\/can_we_discuss_best_pet_insurance_anecdotes\/\" target=\"_blank\" rel=\"noopener\">Reddit user u\/Tamsin72<\/a><\/p>\n<p><strong>Nationwide Customer Review: &#8220;I have saved a ton of money.&#8221;<\/strong><\/p>\n<p>&#8220;I am not a vet, but I have had a good experience with nationwide. I do not have the wellness plan, I have a plan from my employer but it basically equates to their major medical coverage. Vets don\u2019t choose to cover\/not cover- it works differently than your insurance. You pay your vet the same as usual and submit insurance claims after the fact. I have saved a ton of money using nationwide.&#8221; &#8211; <a href=\"https:\/\/www.reddit.com\/r\/AskVet\/comments\/ykr34r\/pet_insurance\/\" target=\"_blank\" rel=\"noopener\">Reddit user u\/shellymiscavige<\/a><\/p>\n<p><strong>Also Read:<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/cats.com\/best-cat-insurance-in-canada\" target=\"_blank\" rel=\"noopener\">The Best Cat Insurance In Canada<\/a><\/li>\n<li><a href=\"https:\/\/cats.com\/best-cat-insurance-uk\" target=\"_blank\" rel=\"noopener\">The 7 Best Cat Insurance Companies In The UK<\/a><\/li>\n<\/ul>\n            <style>\n                .cliverse-post-faq h3{\n                    position: relative;\n                    background: #FFFFFF;\n                    box-shadow: 0px 9px 26px rgba(198, 198, 198, 0.25);\n                    border-radius: 15px;\n                    padding: 24px 110px 24px 110px;\n                    margin-bottom: 30px;\n                    transition: all 0.4s ease;\n\n                    font-weight: 700!important;\n                    font-size: 20px!important;\n                    line-height: 105.8%!important;\n                    color: #373737;\n                    cursor: pointer;\n                }\n                .cliverse-post-faq h3.active{\n                    background: #EDF1F7;\n                }\n                .cliverse-post-faq h3 .question-angle{\n                    display: flex;\n                    width: 24px;\n                    height: 24px;\n                    justify-content: center;\n                    align-items: center;\n                    position: absolute;\n                    top: calc(50% - 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9px);\n                    }\n                }\n            <\/style>\n            <script>\n                document.addEventListener(\"DOMContentLoaded\", function(event) {\n                    $ = jQuery;\n                    $(this).on('click', '.cliverse-post-faq h3', function () {\n                        var title = $(this),\n                            info = title.next();\n                        if (title.hasClass('active')) {\n                            title.removeClass('active');\n                            info.stop().slideUp(400);\n                        } else {\n                            title.addClass('active');\n                            info.stop().slideDown(400);\n                        }\n                        return false;\n                    });\n                });\n            <\/script>\n        \n            <div itemscope itemtype=\"https:\/\/schema.org\/FAQPage\" class=\"cliverse-post-faq\">\n                <h2 class=\"cliverse-faq-title\">Frequently Asked Questions<\/h2>\n\n                                    <div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <h3 itemprop=\"name\">\n                            <div class=\"question-mark\">\n                                <svg width=\"42\" height=\"42\" viewBox=\"0 0 42 42\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                                    <path d=\"M23.3438 31.1562C23.3438 31.6198 23.2063 32.0729 22.9488 32.4584C22.6912 32.8438 22.3252 33.1442 21.8969 33.3216C21.4687 33.499 20.9974 33.5454 20.5428 33.455C20.0881 33.3645 19.6705 33.1413 19.3427 32.8135C19.0149 32.4858 18.7917 32.0681 18.7013 31.6135C18.6109 31.1588 18.6573 30.6876 18.8347 30.2593C19.0121 29.8311 19.3125 29.465 19.6979 29.2075C20.0833 28.95 20.5365 28.8125 21 28.8125C21.6216 28.8125 22.2178 29.0594 22.6573 29.499C23.0968 29.9385 23.3438 30.5346 23.3438 31.1562ZM21 10.0625C16.6914 10.0625 13.1875 13.2168 13.1875 17.0938V17.875C13.1875 18.2894 13.3521 18.6868 13.6452 18.9799C13.9382 19.2729 14.3356 19.4375 14.75 19.4375C15.1644 19.4375 15.5618 19.2729 15.8549 18.9799C16.1479 18.6868 16.3125 18.2894 16.3125 17.875V17.0938C16.3125 14.9453 18.416 13.1875 21 13.1875C23.584 13.1875 25.6875 14.9453 25.6875 17.0938C25.6875 19.2422 23.584 21 21 21C20.5856 21 20.1882 21.1646 19.8952 21.4576C19.6021 21.7507 19.4375 22.1481 19.4375 22.5625V24.125C19.4375 24.5394 19.6021 24.9368 19.8952 25.2299C20.1882 25.5229 20.5856 25.6875 21 25.6875C21.4144 25.6875 21.8118 25.5229 22.1049 25.2299C22.3979 24.9368 22.5625 24.5394 22.5625 24.125V23.9844C26.125 23.3301 28.8125 20.4883 28.8125 17.0938C28.8125 13.2168 25.3086 10.0625 21 10.0625ZM41.3125 21C41.3125 25.0174 40.1212 28.9446 37.8892 32.285C35.6573 35.6254 32.4849 38.2289 28.7733 39.7663C25.0616 41.3037 20.9775 41.706 17.0372 40.9222C13.097 40.1384 9.47766 38.2039 6.6369 35.3631C3.79615 32.5224 1.86157 28.903 1.07781 24.9628C0.294046 21.0225 0.696301 16.9384 2.23371 13.2267C3.77111 9.51512 6.37462 6.34274 9.71499 4.11077C13.0554 1.87881 16.9826 0.6875 21 0.6875C26.3855 0.693187 31.5487 2.83507 35.3568 6.64317C39.1649 10.4513 41.3068 15.6145 41.3125 21ZM38.1875 21C38.1875 17.6006 37.1795 14.2776 35.2909 11.4511C33.4023 8.62467 30.718 6.4217 27.5774 5.12082C24.4368 3.81994 20.9809 3.47957 17.6469 4.14275C14.3128 4.80594 11.2503 6.44289 8.84661 8.8466C6.4429 11.2503 4.80595 14.3128 4.14276 17.6469C3.47958 20.9809 3.81995 24.4368 5.12083 27.5774C6.42171 30.718 8.62468 33.4023 11.4511 35.2909C14.2776 37.1795 17.6006 38.1875 21 38.1875C25.5568 38.1823 29.9255 36.3699 33.1477 33.1477C36.3699 29.9255 38.1823 25.5568 38.1875 21Z\" fill=\"#828FA1\"\/>\n                                <\/svg>\n                            <\/div>\n                            Is it worth getting pet insurance for a cat?                            <div class=\"question-angle\">\n                                <svg width=\"35\" height=\"20\" viewBox=\"0 0 35 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                                    <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M34.1269 0.504921C35.1752 1.25869 35.2967 2.58264 34.3981 3.46205L17.5 20L0.601898 3.46205C-0.296654 2.58264 -0.175251 1.25869 0.873062 0.504921C1.92138 -0.248853 3.49962 -0.147011 4.39817 0.732392L17.5 13.555L30.6018 0.732392C31.5004 -0.147011 33.0786 -0.248853 34.1269 0.504921Z\" fill=\"#828FA1\"\/>\n                                <\/svg>\n                            <\/div>\n                        <\/h3>\n                        <div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" class=\"cliverse-post-faq-answer\">\n                            <div itemprop=\"text\">\n                                <p>Pet insurance can provide cat owners with a safety net against unexpected costs, but it doesn\u2019t always end up being an economic choice. If your pet is young and healthy, the cost of monthly premiums may be unnecessary. For cats prone to serious health issues, however, it can be beneficial as long as your cat\u2019s condition isn\u2019t considered a pre-existing condition.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <h3 itemprop=\"name\">\n                            <div class=\"question-mark\">\n                                <svg width=\"42\" height=\"42\" viewBox=\"0 0 42 42\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                                    <path d=\"M23.3438 31.1562C23.3438 31.6198 23.2063 32.0729 22.9488 32.4584C22.6912 32.8438 22.3252 33.1442 21.8969 33.3216C21.4687 33.499 20.9974 33.5454 20.5428 33.455C20.0881 33.3645 19.6705 33.1413 19.3427 32.8135C19.0149 32.4858 18.7917 32.0681 18.7013 31.6135C18.6109 31.1588 18.6573 30.6876 18.8347 30.2593C19.0121 29.8311 19.3125 29.465 19.6979 29.2075C20.0833 28.95 20.5365 28.8125 21 28.8125C21.6216 28.8125 22.2178 29.0594 22.6573 29.499C23.0968 29.9385 23.3438 30.5346 23.3438 31.1562ZM21 10.0625C16.6914 10.0625 13.1875 13.2168 13.1875 17.0938V17.875C13.1875 18.2894 13.3521 18.6868 13.6452 18.9799C13.9382 19.2729 14.3356 19.4375 14.75 19.4375C15.1644 19.4375 15.5618 19.2729 15.8549 18.9799C16.1479 18.6868 16.3125 18.2894 16.3125 17.875V17.0938C16.3125 14.9453 18.416 13.1875 21 13.1875C23.584 13.1875 25.6875 14.9453 25.6875 17.0938C25.6875 19.2422 23.584 21 21 21C20.5856 21 20.1882 21.1646 19.8952 21.4576C19.6021 21.7507 19.4375 22.1481 19.4375 22.5625V24.125C19.4375 24.5394 19.6021 24.9368 19.8952 25.2299C20.1882 25.5229 20.5856 25.6875 21 25.6875C21.4144 25.6875 21.8118 25.5229 22.1049 25.2299C22.3979 24.9368 22.5625 24.5394 22.5625 24.125V23.9844C26.125 23.3301 28.8125 20.4883 28.8125 17.0938C28.8125 13.2168 25.3086 10.0625 21 10.0625ZM41.3125 21C41.3125 25.0174 40.1212 28.9446 37.8892 32.285C35.6573 35.6254 32.4849 38.2289 28.7733 39.7663C25.0616 41.3037 20.9775 41.706 17.0372 40.9222C13.097 40.1384 9.47766 38.2039 6.6369 35.3631C3.79615 32.5224 1.86157 28.903 1.07781 24.9628C0.294046 21.0225 0.696301 16.9384 2.23371 13.2267C3.77111 9.51512 6.37462 6.34274 9.71499 4.11077C13.0554 1.87881 16.9826 0.6875 21 0.6875C26.3855 0.693187 31.5487 2.83507 35.3568 6.64317C39.1649 10.4513 41.3068 15.6145 41.3125 21ZM38.1875 21C38.1875 17.6006 37.1795 14.2776 35.2909 11.4511C33.4023 8.62467 30.718 6.4217 27.5774 5.12082C24.4368 3.81994 20.9809 3.47957 17.6469 4.14275C14.3128 4.80594 11.2503 6.44289 8.84661 8.8466C6.4429 11.2503 4.80595 14.3128 4.14276 17.6469C3.47958 20.9809 3.81995 24.4368 5.12083 27.5774C6.42171 30.718 8.62468 33.4023 11.4511 35.2909C14.2776 37.1795 17.6006 38.1875 21 38.1875C25.5568 38.1823 29.9255 36.3699 33.1477 33.1477C36.3699 29.9255 38.1823 25.5568 38.1875 21Z\" fill=\"#828FA1\"\/>\n                                <\/svg>\n                            <\/div>\n                            What is not covered by pet insurance?                            <div class=\"question-angle\">\n                                <svg width=\"35\" height=\"20\" viewBox=\"0 0 35 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                                    <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M34.1269 0.504921C35.1752 1.25869 35.2967 2.58264 34.3981 3.46205L17.5 20L0.601898 3.46205C-0.296654 2.58264 -0.175251 1.25869 0.873062 0.504921C1.92138 -0.248853 3.49962 -0.147011 4.39817 0.732392L17.5 13.555L30.6018 0.732392C31.5004 -0.147011 33.0786 -0.248853 34.1269 0.504921Z\" fill=\"#828FA1\"\/>\n                                <\/svg>\n                            <\/div>\n                        <\/h3>\n                        <div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" class=\"cliverse-post-faq-answer\">\n                            <div itemprop=\"text\">\n                                <p>No pet insurance plan covers pre-existing conditions which is generally defined as a condition your cat has shown signs of, been diagnosed with, or treated for prior to the plan\u2019s effective date. Many plans also don\u2019t cover routine vet visits or wellness costs.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <h3 itemprop=\"name\">\n                            <div class=\"question-mark\">\n                                <svg width=\"42\" height=\"42\" viewBox=\"0 0 42 42\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                                    <path d=\"M23.3438 31.1562C23.3438 31.6198 23.2063 32.0729 22.9488 32.4584C22.6912 32.8438 22.3252 33.1442 21.8969 33.3216C21.4687 33.499 20.9974 33.5454 20.5428 33.455C20.0881 33.3645 19.6705 33.1413 19.3427 32.8135C19.0149 32.4858 18.7917 32.0681 18.7013 31.6135C18.6109 31.1588 18.6573 30.6876 18.8347 30.2593C19.0121 29.8311 19.3125 29.465 19.6979 29.2075C20.0833 28.95 20.5365 28.8125 21 28.8125C21.6216 28.8125 22.2178 29.0594 22.6573 29.499C23.0968 29.9385 23.3438 30.5346 23.3438 31.1562ZM21 10.0625C16.6914 10.0625 13.1875 13.2168 13.1875 17.0938V17.875C13.1875 18.2894 13.3521 18.6868 13.6452 18.9799C13.9382 19.2729 14.3356 19.4375 14.75 19.4375C15.1644 19.4375 15.5618 19.2729 15.8549 18.9799C16.1479 18.6868 16.3125 18.2894 16.3125 17.875V17.0938C16.3125 14.9453 18.416 13.1875 21 13.1875C23.584 13.1875 25.6875 14.9453 25.6875 17.0938C25.6875 19.2422 23.584 21 21 21C20.5856 21 20.1882 21.1646 19.8952 21.4576C19.6021 21.7507 19.4375 22.1481 19.4375 22.5625V24.125C19.4375 24.5394 19.6021 24.9368 19.8952 25.2299C20.1882 25.5229 20.5856 25.6875 21 25.6875C21.4144 25.6875 21.8118 25.5229 22.1049 25.2299C22.3979 24.9368 22.5625 24.5394 22.5625 24.125V23.9844C26.125 23.3301 28.8125 20.4883 28.8125 17.0938C28.8125 13.2168 25.3086 10.0625 21 10.0625ZM41.3125 21C41.3125 25.0174 40.1212 28.9446 37.8892 32.285C35.6573 35.6254 32.4849 38.2289 28.7733 39.7663C25.0616 41.3037 20.9775 41.706 17.0372 40.9222C13.097 40.1384 9.47766 38.2039 6.6369 35.3631C3.79615 32.5224 1.86157 28.903 1.07781 24.9628C0.294046 21.0225 0.696301 16.9384 2.23371 13.2267C3.77111 9.51512 6.37462 6.34274 9.71499 4.11077C13.0554 1.87881 16.9826 0.6875 21 0.6875C26.3855 0.693187 31.5487 2.83507 35.3568 6.64317C39.1649 10.4513 41.3068 15.6145 41.3125 21ZM38.1875 21C38.1875 17.6006 37.1795 14.2776 35.2909 11.4511C33.4023 8.62467 30.718 6.4217 27.5774 5.12082C24.4368 3.81994 20.9809 3.47957 17.6469 4.14275C14.3128 4.80594 11.2503 6.44289 8.84661 8.8466C6.4429 11.2503 4.80595 14.3128 4.14276 17.6469C3.47958 20.9809 3.81995 24.4368 5.12083 27.5774C6.42171 30.718 8.62468 33.4023 11.4511 35.2909C14.2776 37.1795 17.6006 38.1875 21 38.1875C25.5568 38.1823 29.9255 36.3699 33.1477 33.1477C36.3699 29.9255 38.1823 25.5568 38.1875 21Z\" fill=\"#828FA1\"\/>\n                                <\/svg>\n                            <\/div>\n                            Does pet insurance cover routine visits?                            <div class=\"question-angle\">\n                                <svg width=\"35\" height=\"20\" viewBox=\"0 0 35 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                                    <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M34.1269 0.504921C35.1752 1.25869 35.2967 2.58264 34.3981 3.46205L17.5 20L0.601898 3.46205C-0.296654 2.58264 -0.175251 1.25869 0.873062 0.504921C1.92138 -0.248853 3.49962 -0.147011 4.39817 0.732392L17.5 13.555L30.6018 0.732392C31.5004 -0.147011 33.0786 -0.248853 34.1269 0.504921Z\" fill=\"#828FA1\"\/>\n                                <\/svg>\n                            <\/div>\n                        <\/h3>\n                        <div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" class=\"cliverse-post-faq-answer\">\n                            <div itemprop=\"text\">\n                                <p>Most plans don\u2019t, though some pet insurance companies offer separate coverage for routine wellness. Optional insurance coverage may be available for preventive care and alternative therapies such as acupuncture and chiropractic care.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <h3 itemprop=\"name\">\n                            <div class=\"question-mark\">\n                                <svg width=\"42\" height=\"42\" viewBox=\"0 0 42 42\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                                    <path d=\"M23.3438 31.1562C23.3438 31.6198 23.2063 32.0729 22.9488 32.4584C22.6912 32.8438 22.3252 33.1442 21.8969 33.3216C21.4687 33.499 20.9974 33.5454 20.5428 33.455C20.0881 33.3645 19.6705 33.1413 19.3427 32.8135C19.0149 32.4858 18.7917 32.0681 18.7013 31.6135C18.6109 31.1588 18.6573 30.6876 18.8347 30.2593C19.0121 29.8311 19.3125 29.465 19.6979 29.2075C20.0833 28.95 20.5365 28.8125 21 28.8125C21.6216 28.8125 22.2178 29.0594 22.6573 29.499C23.0968 29.9385 23.3438 30.5346 23.3438 31.1562ZM21 10.0625C16.6914 10.0625 13.1875 13.2168 13.1875 17.0938V17.875C13.1875 18.2894 13.3521 18.6868 13.6452 18.9799C13.9382 19.2729 14.3356 19.4375 14.75 19.4375C15.1644 19.4375 15.5618 19.2729 15.8549 18.9799C16.1479 18.6868 16.3125 18.2894 16.3125 17.875V17.0938C16.3125 14.9453 18.416 13.1875 21 13.1875C23.584 13.1875 25.6875 14.9453 25.6875 17.0938C25.6875 19.2422 23.584 21 21 21C20.5856 21 20.1882 21.1646 19.8952 21.4576C19.6021 21.7507 19.4375 22.1481 19.4375 22.5625V24.125C19.4375 24.5394 19.6021 24.9368 19.8952 25.2299C20.1882 25.5229 20.5856 25.6875 21 25.6875C21.4144 25.6875 21.8118 25.5229 22.1049 25.2299C22.3979 24.9368 22.5625 24.5394 22.5625 24.125V23.9844C26.125 23.3301 28.8125 20.4883 28.8125 17.0938C28.8125 13.2168 25.3086 10.0625 21 10.0625ZM41.3125 21C41.3125 25.0174 40.1212 28.9446 37.8892 32.285C35.6573 35.6254 32.4849 38.2289 28.7733 39.7663C25.0616 41.3037 20.9775 41.706 17.0372 40.9222C13.097 40.1384 9.47766 38.2039 6.6369 35.3631C3.79615 32.5224 1.86157 28.903 1.07781 24.9628C0.294046 21.0225 0.696301 16.9384 2.23371 13.2267C3.77111 9.51512 6.37462 6.34274 9.71499 4.11077C13.0554 1.87881 16.9826 0.6875 21 0.6875C26.3855 0.693187 31.5487 2.83507 35.3568 6.64317C39.1649 10.4513 41.3068 15.6145 41.3125 21ZM38.1875 21C38.1875 17.6006 37.1795 14.2776 35.2909 11.4511C33.4023 8.62467 30.718 6.4217 27.5774 5.12082C24.4368 3.81994 20.9809 3.47957 17.6469 4.14275C14.3128 4.80594 11.2503 6.44289 8.84661 8.8466C6.4429 11.2503 4.80595 14.3128 4.14276 17.6469C3.47958 20.9809 3.81995 24.4368 5.12083 27.5774C6.42171 30.718 8.62468 33.4023 11.4511 35.2909C14.2776 37.1795 17.6006 38.1875 21 38.1875C25.5568 38.1823 29.9255 36.3699 33.1477 33.1477C36.3699 29.9255 38.1823 25.5568 38.1875 21Z\" fill=\"#828FA1\"\/>\n                                <\/svg>\n                            <\/div>\n                            What's the best pet insurance for cats                            <div class=\"question-angle\">\n                                <svg width=\"35\" height=\"20\" viewBox=\"0 0 35 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                                    <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M34.1269 0.504921C35.1752 1.25869 35.2967 2.58264 34.3981 3.46205L17.5 20L0.601898 3.46205C-0.296654 2.58264 -0.175251 1.25869 0.873062 0.504921C1.92138 -0.248853 3.49962 -0.147011 4.39817 0.732392L17.5 13.555L30.6018 0.732392C31.5004 -0.147011 33.0786 -0.248853 34.1269 0.504921Z\" fill=\"#828FA1\"\/>\n                                <\/svg>\n                            <\/div>\n                        <\/h3>\n                        <div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" class=\"cliverse-post-faq-answer\">\n                            <div itemprop=\"text\">\n                                <p>Though Lemonade is our top pick, there\u2019s no one-size-fits-all in pet insurance. Choosing the best insurance policy for your cat requires cultivating an understanding of the pet insurance business and doing a little self-reflection about your unique needs<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n\n            ","protected":false},"excerpt":{"rendered":"<p>Are you confident that you can cover the cost of life-saving care for your cat? If the answer isn\u2019t a resounding \u201cYes\u201d, you may want to consider pet insurance. The&#8230; <a href=\"https:\/\/cats.com\/best-pet-insurance-for-cats\">Read more &raquo;<\/a><\/p>\n","protected":false},"author":14,"featured_media":74170,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"class_list":["post-6484","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Pet Insurance for Cats in 2026 - Cats.com<\/title>\n<meta name=\"description\" content=\"From costs to coverage, there&#039;s a lot to consider when shopping for pet insurance. Here, we evaluate the best pet insurance options for cats.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cats.com\/best-pet-insurance-for-cats\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Pet Insurance for Cats in 2026 - Cats.com\" \/>\n<meta property=\"og:description\" content=\"From costs to coverage, there&#039;s a lot to consider when shopping for pet insurance. 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