Best Pet Insurance For Cats And Buyers Guide

Best pet insurance for cats

Best pet insurance for catsAre you looking for the best pet insurance for cats? Look no further because I’ll be reviewing the top insurance companies that will offer you the best policies for your feline friend. Before you can pick the best cat insurance, there are some considerations to take into account.

That’s why I’ve provided a buyer’s guide to help you pick the ideal cat insurance in terms of excess, waiting periods, policy fees, and more. You don’t want to select pet insurance based on price alone, so I’ve included a section on how to pick the right policy for your cat. 

There are many pet insurance companies out there, but I’ve narrowed it down to the top three insurance policies best for cats to make it easy for you. These insurance companies offer low excess fees, various covers, and quick claims processes. Find out more by reading the reviews below.

Product Quick Links

Product Features Rating
Lemonade Pet
(Best Overall)
  • Wellness and preventative care add-on
  • 24/7 claims hot-line
  • Fast emergency services
(Best Accident And Illness Policy)
  • 10% discount for adding pets onto the policy
  • Reimbursements of 70% or 90%
  • Offers routine care add-on
(Best Reimbursements)
  • Unlimited network size
  • 15-day waiting period
  • 70% reimbursement for covered services

Product Reviews

1. Best Overall – Lemonade Pet

Lemonade pet insurance offers affordable policies for cat owners. The company offers excellent customizable accident and illness policies and add-on preventative care coverage for cats. What’s more, the company has low premiums and excellent customer service.

Product Key Features

  • Types of coverage: Accidental and illness
  • Deductibles: $100 – $500
  • Add-ons: Wellness and preventative care

With your accident and illness coverage, you can choose deductibles between $100 and $500 and reimbursements of 70%, 80%, and 90% for your vet fees. There are annual coverage limits of $5,000, $10,000, $20,000, $50,000, and $100,000.

The accident and illness policy covers chronic conditions such as heart disease, cancer, skin conditions, and allergies. Treatments that are covered include the following:

  • Medication
  • X-rays
  • Ultrasounds and CT scans
  • Surgery
  • Hospitalization
  • Emergency care

Wellness and preventative care is an add-on you can opt for but with additional costs. Lemonade will pay a portion of the cost for common routine check-ups.


  • Excellent customer service
  • Customizable accident and illness plans
  • Low premiums
  • Covers chronic conditions


  • Not available in all 50 states
  • Doesn’t cover older cats

Lemonade pet insurance reviews show high ratings for the company because it offers excellent pet care for low monthly premiums. Your cat will be well taken care of if you insure them with a Lemonade accidental and illness policy.

2. Best Accident And Illness Policy – PetFirst 

PetFirst offers customizable plans with low deductibles. So, if you want to ensure your cat has the best possible care but at an affordable rate, then you may appreciate what PetFirst has to offer. The company provides the best accident and illness policy, and you’re eligible for coverage 24 hours after signing up.

Product Key Features

  • Types of coverage: Accident and illness
  • Deductibles: As low as $50
  • Add-ons: Routine care coverage

The PetFirst insurance company has an annual coverage of $10,000 with a reimbursement of 70% or 90% of your vet bill. Your policy will cover your cat for hospitalization, x-rays, medication, emergency care, and more.

After six months of being a policyholder, you’ll get additional coverage that includes Intervertebral Disc Disease, medial cruciates, anterior cruciate ligaments, and cranial cruciate ligaments.


  • Offers discounts for multiple pets
  • Affordable routine care add-on
  • Low deductibles
  • Helpful online resources


  • 14-day trial period
  • Low annual limits

This pet insurance company offers short waiting periods for claims, and they offer a generous discount of 10% for adding pets onto the plan. So, if you have more than one cat, you can ensure they’re all covered with PetFirst without breaking the bank.

3. Best Reimbursements – Petplan  

Petplan offers an accident and illness policy with deductibles as low as $250. The company doesn’t have any add-on features for additional pet care. On the other hand, there are some unique features your cat can benefit from such as comprehensive dental protection and reimbursements of up to $1,000 on boarding fees.

Product Key Features

  • Types of coverage: Accident and illness
  • Deductibles: $250
  • Add-ons: None, but offers unique policy features

This insurance company has many reimbursement features to cover you for lost or stolen cats as well as loss of money on vacations if your cat falls ill. You’ll also get a $1,000 reimbursement for virtual pet visits over video chats or phone calls.

The accident and illness policy will cover your cat for veterinary exam fees, behavioral disorders, surgery, rehabilitation, cancer treatment, and ultrasounds.


  • Helpful online resources
  • Customizable plans
  • Low deductibles
  • Available networks in U.S. and Canada


  • No additional wellness covers
  • Only one plan available

If you’re looking for a pet insurer that will provide unique medical coverage for your cat, then Petplan will be ideal for you. The company also offers plenty of reimbursements in case of death, loss, or vacation cancelations.

Pet Insurance For Cats Buying Guide

Look For Additional Benefits

Some pet insurance policies will offer add-ons or additional benefits. These add-ons include wellness treatments such as dental care. There are pet insurance companies that also offer benefit and reward advertising if your cat goes missing.

Before signing up, check to see whether the policy offers reimbursements if your cat gets stolen or in the event of death. Additionally, you can also get reimbursed for overseas travels or vacation cancelations.

You may have to pay extra for these benefits but it will be worth the cost if you get reimbursed for loss, travel cancelations, or death.

What To Know About Exclusions

Pet insurance companies may have some exclusions. A common exclusion is for pre-existing conditions. The insurer won’t cover medical costs for any illnesses or injuries known prior to signing up for the policy.

There may be an insurance company that doesn’t include this exclusion. If your cat is already ill and needs medical attention, you may want to look for an insurance company that won’t include this pre-existing diseases and illnesses exclusion.

Are Deductibles Affordable?

You want cat insurance coverage that’s affordable. Depending on the age of your cat, you can expect to pay deductibles between $50 to $100. Many companies will also expect a co-pay of 10% or 20% on vet fees. These fees are to lower unnecessary tests and procedures, so you’ll only take your cat to the vet if it’s an emergency.

Choose Cat Medical Insurance With Higher Caps

Insurers will have an annual cap on each covered illness. This is the coverage amount you’ll get every year. You want to pick a policy with a lifetime cap. The cap can be as high as $12,000 annually. This will guarantee that you’ll always have coverage available during the year, especially for emergencies.

Final Thoughts

Make sure you pick an insurance company with a low waiting period. This is the number of days from when you take out a policy to when you can claim. Pick the best pet insurance for older cats with a low waiting period incase of unsuspected illnesses.

The three pet insurance companies mentioned in today’s article all provide low premiums, excellent medical coverages, and high reimbursement rates.

Do you have experience with Lemonade, PetLife, and Petplan? Let us know all about it in the comments section below.