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The Best Pet Insurance Companies for Cats

Barret WilliamsNovember 21, 2021

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Pet Insurance Plans for Cats Overview

Generally speaking, pet insurance for cats is less robust than dogs. As the superior animal, cats tend to get themselves into less trouble than their dog counterparts.  

With that being said, an insurance policy for your cat may still be worthwhile.  Cats are still susceptible to disease and illness as they age, and you may want to find a policy to help you pay for routine preventative care like teeth cleaning or flea medications. Logo

5 / 5 Stars

Best Pet Insurance Aggregator
- 5 / 5 Stars - Best Pet Insurance Aggregator

Compare policies from multiple pet insurers at the once to find the right policy for you.

Get a Quote
At's Website

  • doesn't offer insurance, but they are a tool that allows you to compare personalized pet insurance quotes
  • Enter your pet's information once and get access to multiple quotes from popular brands like Trupanion, Embrace, and Pets Best
  • Compare offers and get the policy that is right for you
  • Tell about your pet
  • Get product recommendations based on your pet's breed and age
  • Compare offers from multiple pet insurance companies
  • Enroll in the policy that works best for your pet

If you're unsure of where to start your pet insurance search, one good option is to use a comparison service that will provide you with multiple real time quotes for insurance. The process is simple - provide your pet's information, and will send that along to multiple pet insurance providers and get back to you with quotes. From there, you'll be able to compare prices and policy coverage to find the offer that works best for you. 

Read our Review.

Lemonade Logo
Lemonade Pet Insurance

4.9 / 5 Stars

Best for Bundling Discounts
- 4.9 / 5 Stars - Best for Bundling Discounts

Bundle your auto, home or renters insurance for additional discounts.

Get a Quote
At Lemonade's Website

  • Dog and Cat insurance. Baseline accident and illness coverage with add-ons for preventative care and wellness
  • Any licensed veterinarian is eligible. No network restrictions
  • Waiting periods: 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events
  • Discounts for multi policy households
  • America’s top-rated insurance, now for cats and dogs
  • Hassle-free digital experience. Lightning fast claims payment. Powered by AI.
  • Sign up in seconds. Get paid in minutes. Award-winning service.

Lemonade is shaking up the insurance industry with their easy-to-use pet insurance product. Offering a range of coverage levels for both dogs and cats, Lemonade may be a good fit for existing customers or pet owners looking to snag a competitive quote.

Read our Lemonade Pet Insurance Review.

Embrace Logo
Embrace Pet Insurance

4.8 / 5 Stars

Best for online user experience and for pets with curable pre existing conditions.
- 4.8 / 5 Stars - Best for online user experience and for pets with curable pre existing conditions.

Embrace has built an award winning online platform for managing your pet’s health needs.

Get a Quote
At Embrace's Website

  • Coverage Types: Cat, Dog, Curable Pre Existing conditions
  • Size of Network: National
  • Waiting period: 14-day waiting period for illnesses, accidents are 48 hours. 6-months for orthopedic conditions without a waiver.
  • Multi-pet Discount: 10%
  • Coverage designed to protect your pet in sickness and in health
  • Add-on routine care packages are available for wellness checkups, spay or neuter surgery, grooming and more
  • Policyholders get access to an exclusive pet health line that provides real-time guidance on everything from emergency care to diet and exercise. 
  • Diminishing deductible - each year you don't receive a claim payment, your deductible is decreased by $50
  • Embrace distinguishes between curable and incurable conditions and can offer coverage for curable conditions after your pet is symptom-free for 12 months

Embrace Pet Insurance offers an array of products that should meet the needs of many pet owners. The online experience is clean and user-friendly. Policyholder reviews of the service are generally positive, however, users have reported higher pricing than some competing products. The ability to insure an older pet, secure coverage for an at-risk purebred pet, or insure a pet with a pre-existing condition that has been cured and not shown symptoms for at least 12 months  may make a higher cost policy worth considering for some pet parents.

Read our Embrace Pet Insurance Review.

Wagmo Logo.jpeg
Wagmo Pet Insurance

4.8 / 5 Stars

Best for Pet Health Maintenance
- 4.8 / 5 Stars - Best for Pet Health Maintenance

Wagmo offers policies to help maintain your pet's health over time.

Get a Quote
At Wagmo's Website

  • Coverage Types: Dog, Cat
  • Size of Network: Nationwide for wellness plans. Limited states for emergency insurance
  • Waiting Period: 15 days in most cases. 30 days for cancer
  • Multi-pet Discount: 5%
  • Wagmo allows you to customize your coverage, so you can get to a price point that works with your budget.
  • Wagmo is accepted at all vets across the U.S.
  • Wagmo offers both Pet Wellness and Pet Insurance plans. Pick only what is best for your pet.
  • Get reimbursed fast. Wagmo reimburses customers for expenses right away via Venmo, PayPal, and more!

Wagmo earns top marks for its reimbursement process, online experience and highly rated customer service.  Offering both traditional emergency pet insurance (based on your state) and a standalone wellness plan that can help maintain your pet’s health over time, we love the unique flexibility offered by Wagmo’s policies. Plan pricing is competitive with the market and the claims process is reported to be a breeze. The only negative on our radar is that pre-existing issues are not covered. 

Read our Wagmo Pet Insurance Review.

Pets Best Logo
Pets Best

4.8 / 5 Stars

Best for Flexible Plans
- 4.8 / 5 Stars - Best for Flexible Plans

Pets Best offers flexible plans to help you find the right one for your budget. Select a plan that reimburses 70%, 80%, or 90% of the cost of eligible veterinary treatment.

Get a Quote
At Pets Best Website

  • Coverage Types: Cats, Dogs
  • Coverage Caps: $5k-Unlimited
  • Deductibles: $50-$1k
  • Accident Only Insurance Available: Yes
  • Multi-pet Discount: Yes, 5%
  • Comprehensive coverage at affordable prices
  • Choice of deductibles from $50 to $1000
  • Three reimbursement levels: 70%, 80%, and 90%
  • No upper age limit on enrollment
  • Choose $5000 annual or unlimited benefits
  • 24/7 veterinary support line for all customers

Pets Best offers a variety of price points to help you find a coverage plan that meets your budget. With multiple deductible options, three reimbursement levels and flexible annual benefit caps, you can build a plan that makes sense for your fur family. Quotes can be completed online in minutes.

Read our Pets Best Review.

Summary of The Best Pet Insurance Companies for Cats

Top 5 Best Pet Insurance for Cats

(Swipe table to see more)
5 / 5
Best Pet Insurance Aggregator
Lemonade Pet Insurance
4.9 / 5
Best for Bundling Discounts
Embrace Pet Insurance
4.8 / 5
Best for online user experience and for pets with curable pre existing conditions.
Wagmo Pet Insurance
4.8 / 5
Best for Pet Health Maintenance
Pets Best
4.8 / 5
Best for Flexible Plans

How to Decide if a Cat Insurance Policy is for You

When considering whether to invest in a policy for your cat, ask yourself the following questions in order to help narrow your field of policies:

  1. How much do I expect to pay in vet bills this year? Cat insurance is an investment. Its primary purpose is to help make you whole financially in the event that your cat becomes ill and requires costly medical attention. On one hand, a basic maintenance policy for cats will be comparatively cheap - with some starting at $5 a month. On the other, a young cat is unlikely to need medical attention due to illness. If you're considering an insurance plan for your cat, consider a plan that includes pet maintenance, like routine check-ups, as these are not covered by all policies. 
  2. Can you use any vet? Don't overlook this important feature in your policy details. Some insurers will limit you to a network of vets, which may mean going out of your way or switching from your current vet.
  3. What is your budget? Don't feel bad if you can't buy the most expensive policy. Insurance is meant to protect you in the event of unknown loss. If your primary concern is ensuring your pet can be taken care of if the unthinkable happens, you don't need the flashy add-ons for grooming. 


When reviewing the best pet insurance companies for cats, we considered the following factors:

  1. Cost
  2. Access to vet care
  3. User reviews and experience
  4. Multi-pet discounts
  5. Time in business


Why should I get insurance for my cat?

While cats may seem like a low risk animal, they can still be pricey animals. With a cat, you may be best off looking for a policy that offers coverage for preventative care. These policies can help you cover the cost of vaccinations, teeth cleaning, and other optional vet services. 

Is pet insurance worth it for a cat?

Deciding whether pet insurance is right for your animal is a personal choice. Pet insurance for cats tends to be cheaper than their dog counterparts, sometimes starting as low as $5 per month. Before purchasing a policy, consider what you expect to pay out of pocket for the year on vet expenses. Compare that against the expenses that are eligible for reimbursement when you're looking at policies in order to determine if you are receiving a valuable service for your investment. 

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