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Pet insurance — today's pick
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Pet Insurance
Cat insurance — cheaper, simpler, often overlooked.
Cat insurance is significantly cheaper than dog insurance, mostly because cats have fewer expensive breed-specific conditions and shorter lifespans for serious illness. Many owners skip it — but for a $10-15/mo premium, the math often works.
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How pet insurance works
Three things to know before you buy.
1
Pay your vet first
Most pet plans are reimbursement-based — you pay the vet, then submit a claim for the covered portion.
2
Pre-existing exclusions
Conditions diagnosed before coverage starts are typically excluded. Earlier enrollment = broader coverage.
3
Deductible + reimbursement
Pick a deductible ($250–$1,000) and reimbursement % (70/80/90). Higher deductible + lower reimbursement = cheaper premium.
FAQs
Pet insurance — what people ask
How much does cat insurance cost?
Typically $10-$30 per month for a healthy young cat with standard 80% reimbursement and a $500 deductible. Premiums increase with age and certain breeds (Persians, Maine Coons) cost more.
Are there breed-specific risks for cats?
Yes — Persians and Himalayans are prone to polycystic kidney disease, Maine Coons to hypertrophic cardiomyopathy, and Siamese to amyloidosis. Mixed-breed cats have lower genetic risk profiles.
Does cat insurance cover indoor cats?
Yes. Some insurers offer slightly lower premiums for strictly indoor cats since accident risk is lower, but standard coverage applies regardless. Disclose your cat's living situation honestly.
Is dental coverage included?
Dental injury (broken tooth from trauma) is usually covered. Routine dental cleanings and dental disease often require a wellness add-on or are excluded entirely. Read the dental section carefully — coverage varies a lot.
Should I insure a kitten?
Yes — insuring early locks in lower premiums and avoids future pre-existing exclusions. Kittens are also accident-prone (eating string, falling from heights), which is exactly when accident coverage pays off.