{"id":84816,"date":"2025-10-12T19:55:46","date_gmt":"2025-10-12T19:55:46","guid":{"rendered":"https:\/\/cats.com\/?p=84816"},"modified":"2025-10-12T19:55:46","modified_gmt":"2025-10-12T19:55:46","slug":"types-of-pet-insurance-for-cats","status":"publish","type":"post","link":"https:\/\/cats.com\/types-of-pet-insurance-for-cats","title":{"rendered":"Not All Pet Insurance Plans Are the Same, So Which Is Best for Your Cat?"},"content":{"rendered":"<div id=\"attachment_84904\" style=\"width: 1210px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-84904\" class=\"size-full wp-image-84904\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Persian-cat-with-veterinarian-doctor-at-vet-clinic-compressed.jpg\" alt=\"Persian cat with veterinarian doctor at vet clinic\" width=\"1200\" height=\"600\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Persian-cat-with-veterinarian-doctor-at-vet-clinic-compressed.jpg 1200w, https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Persian-cat-with-veterinarian-doctor-at-vet-clinic-compressed-768x384.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Persian-cat-with-veterinarian-doctor-at-vet-clinic-compressed-624x312.jpg 624w, https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Persian-cat-with-veterinarian-doctor-at-vet-clinic-compressed-780x390.jpg 780w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-84904\" class=\"wp-caption-text\">Pet insurance provides an affordable way to pay for your cat\u2019s unexpected veterinary medical care. didesign021 \/ Shutterstock.com<\/p><\/div>\n<div class=\"toc\"><span class=\"toc-title\">In This Article<\/span><ul class=\"toc-items\"><li class=\"\"><a href=\"#types-of-pet-insurance\" data-title=\"Types of Pet Insurance\">Types of Pet Insurance<\/a><\/li><li class=\"\"><a href=\"#how-pet-insurance-works\" data-title=\"How Pet Insurance Works\">How Pet Insurance Works<\/a><\/li><li class=\"\"><a href=\"#factors-affecting-pet-insurance-costs\" data-title=\"Factors Affecting Pet Insurance Costs\">Factors Affecting Costs<\/a><\/li><li class=\"\"><a href=\"#choosing-the-right-type-of-pet-insurance-for-your-cat\" data-title=\"Choosing the Right Type of Pet Insurance for Your Cat\">Choosing the Right Type<\/a><\/li><li class=\"\"><a href=\"#frequently-asked-questions\" data-title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><\/li><\/ul><\/div>    <script>\r\n        document.addEventListener(\"DOMContentLoaded\", function(event) {\r\n            let links = jQuery('.toc ul.toc-items li a');\r\n\r\n            let htmlspecialchars = function (text) {\r\n                var map = {\r\n                    '&': '&amp;',\r\n                    '<': '&lt;',\r\n                    '>': '&gt;',\r\n                    '\"': '&quot;',\r\n                    '\u201c': '&quot;',\r\n                    '\u201d': '&quot;',\r\n                    \"'\": '&#039;',\r\n                    \"\u2019\": '&#039;'\r\n                };\r\n\r\n                return text.replace(\/[&<>\"\u201c\u201d']\/g, function(m) { return map[m]; });\r\n            };\r\n\r\n            let titleToCompare = function(text) {\r\n                \/\/text = htmlspecialchars(text.trim());\r\n                text = text.trim();\r\n                text = text.toLowerCase();\r\n                text = text.replace('\u201c', '').replace('\u201d', '').replace('&amp;', '').replace('&lt;', '').replace('&gt;', '').replace('&quot;', '').replace('&#039;', '').replace('<', '').replace('>', '').replace('\"', '').replace(\"'\", '').replace(\"\u2019\", '');\r\n\r\n                return text;\r\n            };\r\n\r\n            links.each(function() {\r\n                let link = jQuery(this);\r\n\r\n                let title = titleToCompare(link.attr('data-title'));\r\n                let id = link.attr('href');\r\n\r\n                let selector = '.entry-content h2';\r\n\r\n                let headings = jQuery(selector);\r\n\r\n                headings.each(function() {\r\n                    heading = jQuery(this);\r\n                    headingId = heading.attr('id');\r\n\r\n                    var currentTitle = titleToCompare( heading.text() );\r\n\r\n                    console.log(title + ' == ' + currentTitle);\r\n\r\n                    if (currentTitle === title) {\r\n                        if (headingId > '') {\r\n                            console.log(title + ' == ' + headingId);\r\n                            link.attr('href', '#' + headingId);\r\n                        } else {\r\n                            heading.attr('id', id.replace(\"#\", \"\"));\r\n                        }\r\n\r\n                        return false;\r\n                    }\r\n                });\r\n            });\r\n\r\n            \r\n            \r\n            \/\/ let setLeftPadding = function() {\r\n            \/\/     let toc = jQuery('.toc');\r\n            \/\/     let tocWidth = toc.outerWidth();\r\n            \/\/     let maxWidth = tocWidth - 40;\r\n            \/\/\r\n            \/\/     let items = jQuery('.toc ul.toc-items li');\r\n            \/\/\r\n            \/\/     let innerWidth = 0;\r\n            \/\/\r\n            \/\/     items.each(function() {\r\n            \/\/         let item = jQuery(this);\r\n            \/\/         let width = item.outerWidth() + 22;\r\n            \/\/\r\n            \/\/         innerWidth += width;\r\n            \/\/\r\n            \/\/         if ( innerWidth > maxWidth ) {\r\n            \/\/             innerWidth -= width;\r\n            \/\/\r\n            \/\/             return false;\r\n            \/\/         }\r\n            \/\/     });\r\n            \/\/\r\n            \/\/     let paddingLeft = (tocWidth - innerWidth) \/ 2;\r\n            \/\/\r\n            \/\/     toc.css({'padding-left': paddingLeft + 'px'});\r\n            \/\/ };\r\n            \/\/\r\n            \/\/ setLeftPadding();\r\n            \/\/\r\n            \/\/ jQuery(window).on('load', setLeftPadding);\r\n            \/\/ jQuery(window).resize(setLeftPadding);\r\n        });\r\n    <\/script>\r\n    \n<p>High-quality veterinary medical care is essential to keeping cats healthy, but it is becoming increasingly costly. <a href=\"https:\/\/cats.com\/best-pet-insurance-for-cats\">Pet insurance plans<\/a> help make vet care more affordable, giving you peace of mind from the worry of paying costly unexpected veterinary expenses.<\/p>\n<p>Compared to human health insurance, pet insurance is new to the scene. You&#8217;re not alone if you\u2019re unsure how pet insurance works and how it might benefit your cat.<\/p>\n<p>Pet insurance covers accidents, illnesses, and diagnostic testing related to injury and illness. It generally does not cover well-pet expenses like vaccines and routine <a href=\"https:\/\/cats.com\/cat-teeth-cleaning\">dental cleanings<\/a>, but you can usually purchase a wellness rider to add to your accident and illness insurance policy to cover such care.<\/p>\n<p>Pet insurance plans are typically not cat-specific but cover cat-specific services needed for injuries and illnesses. In this article, we\u2019ll review the types of pet insurance plans, how pet insurance works, and how to choose a pet insurance plan for your cat.<\/p>\n<h2>Types of Pet Insurance<\/h2>\n<div id=\"attachment_84905\" style=\"width: 1010px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-84905\" class=\"size-full wp-image-84905\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Adult-maine-coon-cat-having-its-paw-bandaged-by-the-veterinarian-compressed.jpg\" alt=\"Adult maine coon cat having its paw bandaged by the veterinarian\" width=\"1000\" height=\"667\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Adult-maine-coon-cat-having-its-paw-bandaged-by-the-veterinarian-compressed.jpg 1000w, https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Adult-maine-coon-cat-having-its-paw-bandaged-by-the-veterinarian-compressed-768x512.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Adult-maine-coon-cat-having-its-paw-bandaged-by-the-veterinarian-compressed-624x416.jpg 624w, https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Adult-maine-coon-cat-having-its-paw-bandaged-by-the-veterinarian-compressed-540x360.jpg 540w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><p id=\"caption-attachment-84905\" class=\"wp-caption-text\">You can choose from several types of pet insurance coverage for your cat. Ermolaev Alexander \/ Shutterstock.com<\/p><\/div>\n<p>You can choose from several types of pet insurance plans, depending on what works best for you and your cat:<\/p>\n<h3>Accident &amp; Illness<\/h3>\n<p>Accident and illness pet insurance covers a wide array of medical services your cat will need in the event of an accident or illness.<\/p>\n<p>Examples of covered accidents are listed below:<\/p>\n<ul>\n<li>Hit by car<\/li>\n<li>Foreign body ingestion<\/li>\n<li>Poisoning<\/li>\n<li>Lacerations<\/li>\n<li>Broken bones<\/li>\n<\/ul>\n<p>Here are examples of illnesses that are covered by this type of plan:<\/p>\n<ul>\n<li><a href=\"https:\/\/cats.com\/cat-ear-infection\" target=\"_blank\" rel=\"noopener\">Ear infections<\/a><\/li>\n<li><a href=\"https:\/\/cats.com\/kidney-failure-in-cats\" target=\"_blank\" rel=\"noopener\">Kidney disease<\/a><\/li>\n<li><a href=\"https:\/\/cats.com\/urinary-tract-infection-in-cats\" target=\"_blank\" rel=\"noopener\">Urinary tract infections<\/a><\/li>\n<li>Digestive issues (e.g., <a href=\"https:\/\/cats.com\/ibd-in-cats\" target=\"_blank\" rel=\"noopener\">inflammatory bowel disease<\/a>)<\/li>\n<li><a href=\"https:\/\/cats.com\/skin-problems-in-cats\" target=\"_blank\" rel=\"noopener\">Skin issues<\/a><\/li>\n<li><a href=\"https:\/\/cats.com\/allergies-in-cats\" target=\"_blank\" rel=\"noopener\">Allergies<\/a><\/li>\n<li><a href=\"https:\/\/cats.com\/cancer-in-cats\" target=\"_blank\" rel=\"noopener\">Cancer<\/a> (sometimes excluded\u2014check your plan)<\/li>\n<\/ul>\n<p><a href=\"https:\/\/cats.com\/kidney-failure-in-cats\" target=\"_blank\" rel=\"noopener\">Chronic kidney disease<\/a> and <a href=\"https:\/\/cats.com\/feline-diabetes\" target=\"_blank\" rel=\"noopener\">diabetes<\/a> are common health conditions in cats. Treatment for these chronic conditions would be covered by an accident and illness plan.<\/p>\n<p>Accident and illness plans cover the prescription medications needed for treatment. For example, if your cat has arthritis, your insurance will cover the cost of pain medications.<\/p>\n<p>According to the most recent data from the <a href=\"https:\/\/naphia.org\/industry-data\/section-3-average-premiums\/\" target=\"_blank\" rel=\"noopener\">North American Pet Health Insurance Association<\/a> (NAPHIA), reported in 2022, the average annual cost of accident and illness plans for cats is $387.01 ($32.25\/month).<\/p>\n<p>An accident and illness plan does not cover everything. Although coverage varies, accident and illness plans do not cover pre-existing conditions or routine veterinary care like annual exams, vaccines, deworming, dental cleanings, and preventive medications.<\/p>\n<h3>Comprehensive (Accident &amp; Injury + Wellness)<\/h3>\n<p>Comprehensive pet insurance is a combination of an accident and illness plan with a wellness add-on. Sometimes called \u201cnose to tail\u201d insurance, comprehensive pet insurance covers routine veterinary care (well-pet care), as well as a wide array of medical services your cat will need in the event of an accident or illness, such as:<\/p>\n<ul>\n<li>Injuries<\/li>\n<li>Surgeries<\/li>\n<li>Accidents<\/li>\n<li>Prescriptions<\/li>\n<li>Chronic illnesses<\/li>\n<li>Common illnesses<\/li>\n<li>Medical treatments (e.g., chemotherapy)<\/li>\n<li>Laboratory testing (e.g., bloodwork and urinalysis)<\/li>\n<li>Diagnostic imaging (X-ray, CT scans, MRI)<\/li>\n<\/ul>\n<h3>Accident Only<\/h3>\n<p>Accident-only pet insurance plans cover injuries caused by accidents. It does not cover illnesses or routine veterinary care.<\/p>\n<p>The 2022 NAPHIA report states that the average annual cost of accident-only coverage for cats is $122.19 ($10.18\/month).<\/p>\n<h3>Wellness<\/h3>\n<p>Wellness exams are key to monitoring your cat&#8217;s health and detecting illnesses early. <a href=\"https:\/\/cats.com\/what-is-a-pet-wellness-plan\">Wellness plans<\/a> are usually purchased as add-ons to accident and illness plans to cover routine preventive veterinary care. A few companies offer standalone wellness plans (these do not cover accidents and injuries). Wellness plans cover many preventive care services, including:<\/p>\n<ul>\n<li>Urinalysis<\/li>\n<li>Deworming<\/li>\n<li>Vaccinations<\/li>\n<li>Fecal exams<\/li>\n<li>Microchipping<\/li>\n<li>Dental cleaning<\/li>\n<li>Spaying and neutering<\/li>\n<li>Routine bloodwork<\/li>\n<li>Flea and tick prevention<\/li>\n<li>Heartworm testing<\/li>\n<li>Heartworm preventatives<\/li>\n<\/ul>\n<p>The average cost of basic wellness plans is about $10 to $20\/month. The cost varies according to the number of services covered and the amount of covered cost per service.<\/p>\n<h2>How Pet Insurance Works<\/h2>\n<p>Understanding how pet insurance works and learning a few key insurance terms will help you make an informed decision when choosing a pet insurance plan for your cat.<\/p>\n<p>With pet insurance, you will pay the entire veterinary bill upfront and then submit a claim to the pet insurance provider for reimbursement. The company will require an itemized receipt along with the claims form. Claims can usually be submitted online; reimbursement times vary by company but are usually within about two to four weeks.<\/p>\n<h3>Key Pet Insurance Terms<\/h3>\n<p>Insurance can be complex. Fortunately, you don\u2019t need to know all the ins and outs of insurance terminology to choose and purchase a plan for your cat. Here are the key terms to understand:<\/p>\n<ul>\n<li><strong>Annual maximum coverage:<\/strong> This is the maximum amount a plan will pay for your cat\u2019s medical care in one year. Maximums typically range from $2,500 to $5,000 but might go as high as $10,000. Some plans offer unlimited coverage. Unlimited coverage increases the monthly premium but is beneficial if your cat needs expensive, long-term care.<\/li>\n<li><strong>Monthly premium:<\/strong> This is the per-month cost of the plan.<\/li>\n<li><strong>Deductible:<\/strong> The deductible is the amount you pay out of pocket before being eligible for reimbursement. Deductibles vary widely, ranging from $0 to $2,500. The higher the annual deductible, the lower the monthly premium.<\/li>\n<li><strong>Reimbursement percentage: <\/strong>This is the percentage of the total service cost for which you\u2019ll be reimbursed. This percentage is usually 70%, 80%, or 90%. The higher the reimbursement rates, the higher the monthly premiums.<\/li>\n<li><strong>Waiting period:<\/strong> The waiting period is a specified amount of time between signing up for the plan and the plan going into effect. Waiting periods generally range from a few days to about two weeks.<\/li>\n<li><strong>Exclusions:<\/strong> Exclusions are what\u2019s not covered by the insurance plan. Examples of exclusions are pre-existing conditions and prescription diets.<\/li>\n<\/ul>\n<h2>Factors Affecting Pet Insurance Costs<\/h2>\n<p>Cats are generally less expensive to insure than dogs. Several factors determine the <a href=\"https:\/\/cats.com\/cost-of-pet-insurance-for-cats\" target=\"_blank\" rel=\"noopener\">cost of pet insurance<\/a> for an individual cat:<\/p>\n<ul>\n<li><strong>Where you live:<\/strong> The cost of veterinary care varies across geographic regions, affecting how much a pet insurance plan would cost in your area.<\/li>\n<li><strong>Age:<\/strong> Monthly premiums tend to increase with a pet\u2019s age.<\/li>\n<li><strong>Breed:<\/strong> Monthly premiums can vary according to a cat\u2019s breed.<\/li>\n<li><strong>Annual maximum, deductible, reimbursement percentage:<\/strong> The specifics you choose for your plan affect the monthly premium.<\/li>\n<\/ul>\n<p>Pet insurance companies often offer discounts, such as multi-pet discounts, military discounts, and annual pay discounts (if you pay for the entire year upfront).<\/p>\n<h2>Choosing the Right Type of Pet Insurance for Your Cat<\/h2>\n<div id=\"attachment_84906\" style=\"width: 1010px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-84906\" class=\"size-full wp-image-84906\" src=\"https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Veterinarian-Inspecting-a-Pet-Maine-Coon-compressed.jpg\" alt=\"A female veterinarian is holding a stethoscope to a cat\u2019s chest on an examination table while the cat\u2019s owner is looking on from behind the cat.\" width=\"1000\" height=\"563\" srcset=\"https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Veterinarian-Inspecting-a-Pet-Maine-Coon-compressed.jpg 1000w, https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Veterinarian-Inspecting-a-Pet-Maine-Coon-compressed-768x432.jpg 768w, https:\/\/cats.com\/wp-content\/uploads\/2024\/03\/Veterinarian-Inspecting-a-Pet-Maine-Coon-compressed-624x351.jpg 624w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><p id=\"caption-attachment-84906\" class=\"wp-caption-text\">Consider several factors when choosing the right type of pet insurance for your cat. Gorodenkoff \/ Shutterstock.com<\/p><\/div>\n<p>You have a lot to consider when selecting an insurance plan for your cat, so take your time to research and decide.<\/p>\n<h3>Determine Whether You Want to Pay for Pet Insurance.<\/h3>\n<p>Consider what you spend each year on your cat\u2019s veterinary care. As you gather quotes from the pet insurance companies, compare these quotes to what you already spend. If the quote is more than what you pay at the vet\u2019s office each year, you might not think pet insurance is worth the cost.<\/p>\n<p>But be aware that an unexpected injury or illness could cost thousands of dollars. Having a pet insurance plan would save you money and the financial heartache of paying out of pocket for expensive vet bills.<\/p>\n<h3>Decide What You\u2019re Willing to Pay Out of Pocket.<\/h3>\n<p>Your cat\u2019s veterinary care costs will add up over their lifetime. Determining what you\u2019re willing to pay for on your own can help you choose between the types of pet insurance policies.<\/p>\n<p>For example, if you\u2019re willing to pay for your cat\u2019s routine care out of pocket but are concerned about paying for accidents or illnesses, an accident-only or accident and illness plan without wellness coverage would be a good choice.<\/p>\n<p>If you\u2019d prefer to have everything covered by insurance, a comprehensive plan with a wellness add-on would be ideal.<\/p>\n<h3>Consider Your Cat\u2019s Lifestyle and Overall Health.<\/h3>\n<p>A comprehensive pet insurance plan that includes wellness coverage is ideal for many cats because it covers the wide range of veterinary care they need. However, for some cat parents, a comprehensive plan might not seem necessary, given their cat\u2019s lifestyle and overall health. Here are a few scenarios of when the other types of pet insurance would make sense:<\/p>\n<ul>\n<li><strong>Outdoor cat: <\/strong><a href=\"https:\/\/cats.com\/should-i-let-my-cat-outside\">Outdoor cats<\/a> are more prone to illness and injury because of interactions with wildlife and the risk of being hit by a car. An accident and illness plan would be a good choice for these cats.<\/li>\n<li><strong>Healthy, sedentary indoor cat:<\/strong> For a healthy indoor that likes to spend their days lounging on the windowsill and doesn\u2019t require much medical care, an accident-only or accident and illness plan is worth considering.<\/li>\n<\/ul>\n<p>Most wellness plans are available only as add-ons through pet insurance companies, but a few companies offer wellness coverage as a standalone plan, so this is another option.<\/p>\n<p>Pet insurance plans are a great way to ease the financial burden of paying for your cat\u2019s medical care. Understanding how pet insurance works and what to consider when comparing plans will help you decide which plan will work best for your cat.<\/p>\n<p>Talk to your veterinarian if you\u2019re overwhelmed with choosing a plan. They can help you narrow your choices and recommend which plans they think would be a good fit for your cat.<\/p>\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 pet insurance expensive?                            <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 costs depend on many factors, like insurance type, a pet\u2019s age and breed, and insurance policy terms (e.g., deductible, reimbursement level). Comprehensive plans are the most expensive type of pet insurance, while basic wellness plans tend to be the least expensive.<\/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                            Is cat insurance a good investment?                            <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>Absolutely! Cat insurance can save you hundreds, perhaps even thousands, of dollars on your cat\u2019s care. It can also provide you peace of mind that your cat\u2019s medical care is covered.<\/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 are the best pet insurance companies?                            <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>There are about a dozen pet insurance companies, including Embrace Pet Insurance, Pets Best, and ASPCA Pet Health Insurance. We have reviewed these companies to select the <u><a href=\"https:\/\/cats.com\/best-pet-insurance-for-cats\" target=\"_blank\" rel=\"noopener\">best pet insurance for cats in 2024<\/a><\/u>.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n\n            ","protected":false},"excerpt":{"rendered":"<p>High-quality veterinary medical care is essential to keeping cats healthy, but it is becoming increasingly costly. Pet insurance plans help make vet care more affordable, giving you peace of mind&#8230; <a href=\"https:\/\/cats.com\/types-of-pet-insurance-for-cats\">Read more &raquo;<\/a><\/p>\n","protected":false},"author":19,"featured_media":84904,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"no","footnotes":""},"categories":[222,48],"tags":[],"class_list":["post-84816","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cat-basics","category-read-of-the-week"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Not All Pet Insurance Plans Are the Same, So Which Is Best for Your Cat? - Cats.com<\/title>\n<meta name=\"description\" content=\"Pet insurance for cats help make their vet care more affordable. 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