Top 12 Cat Health Insurance Companies in 2025

Are you struggling to find insurance plans for cats? Or which type of insurance coverage do you need? A lot of pet owners are often stuck there! They usually strive hard to find the best insurance provider at a good price. Well, there are thousands of insurance companies out there, but the transparency of plans and costs is rare.

To make your search process 10 times easier, we have gathered information from various reputable sources. In this Pet Life Expert guide, we’ve broken down this list in such a way that everyone can understand cat health insurance cost in the best possible way.

What Are The Types of Cat Health Insurance?

Health insurance for kittens and cats can be of different types depending on the ongoing or existing condition of your felines. Companies categorize insurance into three centralized types of pet health insurance for cats which are listed down here!

• Accident-Only Plans
• Accident and Illness Plans
• Pet Wellness Plans

Accident only is the cheapest plan that solely covers accidents. However, a comprehensive pet insurance plan properly covers all kinds of illnesses, accidents, dental issues, prescribed medications, and other breed-specific conditions. More premium plans cover routine veterinary care to help your cat maintain the best health condition.

How To Select the Best Cat and Kitten Health Insurance Plan?

When it comes to health insurance for cats, there are a few major points that every pet owner must keep in mind. Here’s how you can choose the best insurance plan:

• Assess your pet’s needs as per their age, size, and breed.
• Understand the pre-existing medical condition of your cat.
• Decide on the type of coverage your cat needs.
• Analyze and plan your budget ahead of investing.
• Check reviews and referrals & seek recommendations.
• Compare different companies’ insurance plans and policies.

Points You Must Know When Purchasing for a Cat Insurance Plan

A lot goes into thinking when it comes to getting a pet insurance plan. Here’s the breakdown of those essential details that every pet owner must know before investing in cat insurance.

Costs and Coverage

The cost of pet insurance directly impacts the overall coverage package. Due to variations in prices, you need to pay attention to different aspects that are mentioned below.

• Annual Deductible
• Reimbursement Rate
• Annual Limit
• Monthly Premium

List of 12 Best Pet Health Insurance Companies in USA

Overview

• MetLife: Best for Multiple Pets & Discount Deals
• Pumpkin: Best for Puppies and Kittens
• Lemonade: Best for Fast Claims Processing
• Embrace: Best for International Coverage
• ASPCA: Best for preventing animal cruelty
• Figo: Best for Reimbursement Options
• Nationwide: Best for Exotic Pets
• Pets Best: Best for Treatment of Mobility Issues
• Spot: Best for Unlimited Coverage
• AKC: Best for Pre-Existing Conditions
• Fetch: Best for Complete Coverage
• Hartville: Best for Proper Customization

Let’s move towards the details of our top picks for cat insurance companies in USA.

1- MetLife Pet Insurance

MetLife, founded in 2004, is renowned as the fastest-growing administrator of pet health insurance in North America. This company is continuously offering all-exclusive cat health insurance coverage for all kinds of pets.

Table- About Met Life Pet Insurance

Pros and Cons of MetLife Pet Insurance

Pros

• Fast Coverage for accident-Only
• The deductible goes down each year
• Accident coverage starts right away
• Requires no waiting period on quotations.
• It also covers the expenses of alternative care.

Cons

• There is no option to have the company pay your vet directly.
• Terms and conditions can significantly vary from time to time.

2- Pumpkin Pet Insurance

Recently founded in 2018, Pumpkin is one of the largest health insurance companies in the world. With a clear focus on preventive pet care and straightforward plans, they offer comprehensive cat insurance coverage for the most common conditions.

Table- About Pumpkin Pet Insurance

Features	Specifications
Annual Max Coverage	$10K, $20K or unlimited
Reimbursement Rates	50% – 90%
Annual Deductibles	$100, $250, $500 or $1K
Waiting Timeline	14 days for accidents and illnesses
Plan Options	Wellness Options, Accidents and Illness,

Pros and Cons of Pumpkin Pet Insurance

Pros

• Preventive care package for particular puppies & kittens needs.
• Shortest waiting period for any health conditions, including dysplasia
• Offers complete coverage of exam fees at no extra cost.
• No upper age limit is required.

Cons

• Doesn’t offer customizable reimbursement levels.
• Compared to other options, it’s a little bit expensive.

3- Lemonade Pet Insurance

Lemonade was initially known for its innovative approach to auto insurance deals and products. Later, they began offering coverage for health insurance of cats while using the power of technology. The innovative app they introduced gives you the flexibility to manage insurance plans and file claims, of which 50% are instantly improved.

Table- About Lemonade Pet Insurance

Features	Specifications
Annual Max Coverage	Around $5K, $10K, $20K, $50K or $100K
Reimbursement Rates	70%-90%
Annual Deductibles	$100, $250, or $500
Waiting Timeline	2 days for accidents, 14 days for illnesses
Plan Options	Wellness Rider, Accident, and Illness options

Pros and Cons of Lemonade Pet Insurance

Pros

• Uses mobile apps to offer quick claims processing
• Availability of multiple discount deals on insurance.
• Offers you the flexibility of customizable coverage.
• A significant portion of the payment goes to charities.

Cons

• The service range is only in 38 states.
• Older pets are not eligible for coverage
• Policies can only be adjusted at renewal.

4- Embrace Pet Insurance

Starting as the top pet insurance provider by Forbes in 2022, this cat insurance company reportedly paid out 92% of the claims submitted in 2021. Also, it offers customers’ vet bill plans for up to 90% reimbursement. 

Table- About Embrace Pet Insurance

Features	Specifications
Annual Max Coverage	Around $5K, $8K, $10K, $15K or $30K
Reimbursement Rates	70%-90%
Annual Deductibles	$100, $250, $500, $750 or $1K
Waiting Timeline	14 days for illnesses
Plan Options	Dental illnesses, congenital conditions, and orthopedic conditions.

Pros and Cons of Embrace Pet Insurance

Pros

• It offers a higher upper age limit to get enrolled.
• Also, there are higher annual reimbursement limit options than other competitors.
• It majorly includes up to six months of pet travel insurance.

Cons

• Provides limited wellness benefits.
• Caps dental illness coverage at $1000/year
• Hip dysplasia & patellar luxation are excluded for six months.

5- ASPCA Pet Health Insurance

ASPCA is a nonprofit organization founded in North America in 1866 to prevent animal cruelty.  This was the first humane society established to cover health insurance for cats ‘ illnesses, incidents, and other health issues with a complete preventive care plan.

Table- About ASPCA Pet Insurance

Features	Specifications
Annual Max Coverage	$5K-$30K or Unlimited
Reimbursement Rates	70%-90%
Annual Deductibles	$100, $250, or $500
Waiting Timeline	14 days
Plan Options	Broader coverage than most other plans.

Pros and Cons of ASPCA Pet Health Insurance

Pros

• Offers insurance coverage for horses, dogs, and cats.
• The standard plan covers therapies & congenital or behavioral issues.
• Compared to other companies, they offer a short waiting period for injuries.

Cons

• You need to call rather than send a quotation for insurance coverage.

6- Figo Pet Insurance

Figo is another pet insurance company founded in 2013 by Rusty Sproat and soon became the largest pet health insurance provider in the market. This company offers a 100% reimbursement rate for all vet costs. By selecting them, you can get both lower and higher-tiered plans.

Table- About Figo Life Pet Insurance

Features	Specifications
Annual Max Coverage	$5K-$30K or Unlimited
Reimbursement Rates	70%-100%
Annual Deductibles	$100, $250, $500, $750 or $1K
Waiting Timeline	1 day for accidents, 14 days For illness
Plan Options	Accident, illness, and wellness rider

Pros and Cons of Figo Pet Insurance

Pros

• Most affordable premiums
• Low-deductible options
• 1-day waiting period for accidents
• No upper age enrollment limit
• Up to 100% reimbursement with no annual limits

Cons

• Low payout limits in the wellness care plan
• No coverage for hereditary conditions
• Vet exam fees and physical therapy coverage

7- Nationwide Mutual Insurance Company

Nationwide Mutual Insurance is another major company from which you can get complete insurance coverage not only for cats but also for dogs, birds, and other exotic pets. The best thing is that Nationwide’s plans are available in every state so that you can get insurance conveniently.

Table- About Nationwide Mutual Insurance Company

Features	Specifications
Annual Max Coverage	$10k
Reimbursement Rates	50% – 70% for the Whole Plan
Annual Deductibles	$0 – $1000
Policy Highlight	Might be able to Reimburse your vet directly
Plan Options	Accident and illness, hereditary and congenital conditions, but not wellness.

Pros and Cons of Nationwide Mutual Insurance Company

Pros

• Rated high with AM Best
• Provides coverage for exotic pets.
• Offers a 5% discount to enroll multiple pets
• Covers hereditary and congenital conditions

Cons

• Low reimbursement levels
• Premiums rise as pet ages
• Rigid deductibles and coverage limits

8- Pets Best Pet Health Insurance

Founded by Dr. Jack Stephens in 2005 in North America, this company was the best insurance service provider. They have people who are highly involved in animal rescue and have a veterinary background. This company offers the fastest claim reimbursement for cat and kitten health insurance and direct payment to your vet.

Table- About Pets Best Pet Health Insurance

Features	Specifications
Annual Max Coverage	Unlimited
Reimbursement Rates	70%, 80%, & 90%
Annual Deductibles	$50 – $1000
Policy Highlight	Direct Vet Reimbursement
Plan Options	It covers accidents, injuries, and illness, only accident and wellness.

Pros and Cons of Pets Best Pet Health Insurance

Pros

• Multiple Options for Plan Customization
• Unlimited Options for Annual Coverage
• No Upper Age Limit is required to enroll

Cons

• It doesn’t offer coverage for food or supplements.
• Includes specific therapies and exam fees with more expensive plans.

9- Spot Pet Insurance

Spot Pet Insurance is the best insurance coverage provider, offering wide coverage for different health conditions. After choosing Spot health insurance for cat, you won’t be responsible for any co-payment, reducing your out-of-pocket payments for ultimate care.

Table- About Spot Pet Insurance

Features	Specifications
Annual Max Coverage	Unlimited
Reimbursement Rates	70%, 80%, & 90%
Annual Deductibles	$100 – $1000
Policy Highlight	Offers broad coverage, including microchip implantation.
Plan Options	Accident and illness, accident-only, & wellness rider.

Pros and Cons of Spot Pet Insurance

Pros

• Covers things some insurers don’t, like prescription food and behavioral modification.
• Covers some pre-existing conditions and is treatment-free for 180 days.
• Unlimited annual coverage options with no age limit with a 24/7 telehealth helpline.
• Pet parents have about 270 days/eight months to file a claim.

Cons

• It doesn’t offer the option for direct payment to your vet.
• Higher-than-average premiums for young pets
• Charges transaction fees for monthly, quarterly, or semi-annual payments.

10- AKC Pet Insurance

AKC has been one of the first pet insurance providers in the United States since 2002. This company provides comprehensive pet care services in 50 states at highly affordable rates. Their ultimate mission is to advance insurance process for cat health to ensure the pet’s well-being of concerned pet owners.

Table- About AKC Pet Insurance

Features	Specifications
Annual Max Coverage	Unlimited $2.5K, $5K, $7.5K, $10K, $15K, 20K
Reimbursement Rates	70%, 80%, & 90%
Annual Deductibles	$100, $500, $600, $750, $1K
Policy Highlight	Offers Emergency Insurance
Plan Options	Accident and illness, and accident-only

Pros and Cons of AKC Pet Insurance

Pros

• Get emergency and accident-only plans available.
• Direct payments to vets are available under specific conditions.
• Offers supplemental, illness, and accident coverage for breeding pets.

Cons

• Requires a 6-month waiting period for orthopedic conditions coverage
• Provides Coverage for congenital and hereditary conditions, costs extra
• Doesn’t offer dental coverage except for tooth extractions due to injury.

11- Fetch Pet Insurance

Former Pet plan, Fetch is the biggest pet insurance service provider in the USA, and it has been operating since 2006. From this insurer, you can avail of flexible policies that cover unexpected injuries, illness, and medical treatment for cats. You can get their plan, considering the age of the pet.

Table- About Fetch Pet Insurance

Features	Specifications
Annual Max Coverage	Unlimited
Reimbursement Rates	70%-80%
Annual Deductibles	$100- $500
Policy Highlight	Offers emergency insurance and exclusive discounts
Plan Options	Accident and illness, and accident-only

Pros and Cons of Fetch Pet Insurance

Pros

• Fetch has relatively low premiums.
• Wellness plans include spay/neuter coverage.
• Offers unique coverage, including comprehensive dental coverage.
• There is no age limit for enrolling your pet (after it turns six weeks old).
• Discounts for AARP members, licensed medical services pets, veterinary staff, & dog rescuers/adopters.

Cons

• Low annual coverage limits
• Filed more than 90 days after treatment are not covered
• Fetch has a six-month waiting period for hip and knee injuries
• It doesn’t cover pre-existing conditions, cosmetic procedures, boarding, or breeding costs.

12- Hartville Pet Insurance

Hartville Pet Insurance is another company that provides the best plan with good coverage in all states of the US. Pet health insurance agents ensures that your pet always receives the best medical care with no upper age limit for enrollment or placing a strain on your finances.

Table- About Hartville Pet Insurance

Features	Specifications
Annual Max Coverage	Unlimited
Reimbursement Rates	70%, 80%, 90%
Annual Deductibles	$100-$250
Policy Highlight	Covers most curable pre-existing conditions.
Plan Options	Accident and illness, and accident-only, optional coverage for routine care

Pros and Cons of Hartville Pet Insurance

Pros

• Annual deductibles as low as $100-250
• Easy account management and file claiming
• 270 days for claim submission before expiration
• There is no price increment in policy for filing a claim
• Exclusive 30-day money-back guarantee
• Special Discounts for multi-pet enrollment
• Coverage for pre-existing conditions if no signs of related symptoms have been noticed in the past 180 days.

Cons

• You cannot pay the vet directly.
• There’s no unlimited coverage option.

Wrapping Up

A best cat health insurance is the most crucial thing when you are one of those concerned pet parents. You can give your pets the best health treatment that they deserve by selecting the best health insurance plan. Based on your cat’s current health and condition, you can select Accident and illness, accident-only, & wellness plans per your budget. Make sure you select the right insurance company for your pet. This guide will help you understand how much is health insurance for cats and find the best health care plan that fits your budget.

FAQs | Frequently Asked Questions