2023 BEST PET INSURANCE FOR CATS: Detailed List & Guide

best pet insurance for cats

Cats are wonderful pets, but caring for them when they are ill or wounded may be costly. Fortunately, pet insurance can assist you in paying for your furry friend’s veterinary care.
This article offers a thorough overview of the best pet insurance for cats in 2023, along with in-depth evaluations of the leading suppliers. Everything from the many coverage options to advice on choosing the best plan for your cat will also be covered. With this knowledge, you can make an educated choice and guarantee that you and your cat will have the best protection.

Best Pet Insurance For Cats

Here are the top 10 options you can take advantage of in 2023:

#1. Nationwide Pet Insurance

Nationwide offers a broad range of cat insurance solutions. Plans for wellness care, plans for only medical emergencies, and combos of the two are all options. They are among the solutions with the greatest customizability available.
Furthermore, the long history of Nationwide in the insurance business gives many pet owners comfort.
Nationwide’s insurance plans are especially ideal for cats. While it is a typical criticism of insurance that it often does not cover breed-specific problems, this is not a major issue with cats.
One of the few insurance companies that provides wellness plans, despite the fact that this choice is quite pricey. However, you will get whatever service you pay for.


  • Customizable
  • Available wellness programs
  • Multipet discount
  • Complete cat insurance


  • Expensive

#2. Lemonade Pet Insurance

One of the firms that pay claims the quickest is Lemonade. Lemonade is another great pet insurance for cats in 2023. AI processes all of its claims, enabling them to be paid in a matter of seconds. Via its smartphone app, everything is controlled.
Its efficiency makes its plan less expensive than the majority of other plans available.
Accident and illness coverage is included in the basic plan. There are two plan add-ons, one of which covers wellness. However, its rates are very inexpensive, and the conditions of its coverage are flexible.


  • Quickly handle claims
  • There are add-ons.
  • Less expensive than most plans


  • Limited to certain locations only
  • Elderly animals may not always be covered

#3. Pumpkin Pet Insurance

Pumpkin Pet Insurance is a newcomer to the market and is listed amongst the best 2023 pet insurance for cats. In contrast to other available options, it began providing pet insurance in 2019, putting a greater emphasis on preventative care. You can’t always say that about other pet insurance businesses, but their plans are simple to grasp.
It covers both dental and chronic disorders and does not penalize clients for filing claims. The majority of your expenses will be covered thanks to its plans’ 90% reimbursement rate. In addition, they pay for sick visits.
For your pet’s whole life, Pumpkin Pet offers coverage. You aren’t cut off from it at a certain age. In comparison to other plans, it does provide a little less personalization. For instance, you are unable to alter your reimbursement percentage.


  • Plans with simple explanations
  • Claims have no penalty
  • Complete protection
  • Protects animals as they age


• No possibility of altering the reimbursement percentage

#4. Healthy Paws Pet Insurance

Cats may purchase a single plan from Healthy Paws that includes emergency veterinary coverage for accidents, illnesses, and injuries. It covers a variety of breed-specific ailments. Remember this if you own a purebred cat.
However, prevention and control care, such as vaccinations, check-ups, and dental cleanings, are not covered by this company.
It is relatively cheap, but it also levies additional fees that aren’t always disclosed in the costs of the plans. For instance, there is a $25 membership charge to join. Also absent are discounts for purchasing multiple pets.
Claims are easy to make. In most cases, claims are handled in ten days. Sometimes all you require is a picture of your invoice.
It does include complementary treatments like acupuncture and chiropractic. Its coverage is also unrestricted and without any caps.


  • Coverage of breed-specific ailments
  • Inexpensive
  • Simple strategies


  • Some unforeseen costs
  • Preventive services are not covered.

#5. Figo Pet Insurance

Cats can choose from three different plans from Figo Pet Insurance, each with a different price and scope of coverage. However, the choices you make will affect the plan restrictions. Only the top-tier plan provides limitless benefits.
Even if you went to the vet because your pet was ill, it does not provide a wellness plan or vet exams. But, it does provide a supplement that covers vet examinations for illnesses and accidents.
Cat-specific pet insurance is often less costly, but not with Figo. Its cat plans cost a little more than its dog plans.
One little perk is Figo’s app, which lets you have a free conversation with a veterinarian. There are additional social advantages, such as finding nearby pet owners.


  • Flexible plans
  • They have an App called Pet Cloud


  • Does not include veterinary exams
  • Cat insurance is more expensive.
  • No health care choices

#6. Trupanion Medical Pet Insurance

Trupanion provides a per-condition deductible and has no payment caps, for example. In other words, rather than having a yearly deductible, you pay for each ailment.
You will no longer be responsible for paying for a condition after your deductible has been met. Nevertheless, you will be responsible for any additional conditions up until those particular deductibles are met.
The majority of diseases are covered by its comprehensive plan, which also includes prescription pet food, congenital conditions, and emergencies.
It does not include a wellness program. It does have an add-on, however, which covers alternative therapy options including behavior changes. Also, it offers a help add-on that protects your pet’s property damage and offers a reward if your pet gets misplaced.
It charges a membership fee and does not offer a multi-pet discount.


  • Individual conditional deductible
  • Complete protection
  • Provides several add-ons


  • No multi-pet discount
  • No wellness program is accessible

#7. Hartville Pet Insurance

No matter the age of the cat, Hartville offers insurance. It doesn’t reject cats only because they are older.
Dental cleanings are covered by a plan add-on in it. Also, there are savings for purchasing several pets. Depending on your demands, you may choose a reimbursement percentage between 70% and 90%. Yet as your cat matures, rates often rise sharply.
The plans might be a little difficult to comprehend. Hartville’s exclusions aren’t very clear, according to several clients, who have complained.
Accident-only insurance is an alternative that is much less expensive than some other choices. The absence of yearly coverage limits is one of Hartville Pet Insurance’s most important advantages.


  • Optional dental cleaning plan
  • Flexible
  • There are no yearly coverage limits
  • Plans available for accidents only


  • Plans are unclear.
  • As dogs age, high premiums rise

#8. Progressive Pet Insurance

Progressive provides low-cost cat insurance options. A few start is as low as $6. As your pet ages, some aspects of its plans, such as wellness riders, do not increase.
Overall, it seems that all of its plans can be customized. It offers plans for accident-only, accident and sickness, and wellness, for example. Compared to certain other carriers, its plans are often less expensive.
Progressive sometimes offers direct vet payments. While this makes payments simpler than with other plans, not all veterinarians will take this coverage.
A few yearly limit alternatives are available, but accident-only plans have no options at all. Additionally, it doesn’t cover any expenses related to passing on, such as cremation.
Their information-poor website makes it difficult to ascertain what exclusions there are before you join up.


  • Direct veterinary payments are provided in certain circumstances.
  • Flat-rate pricing for specific plan upgrades
  • Budget-friendly plan choices


  • No burial or cremation insurance
  • Annual coverage with a low limit
  • Information is hard to come by

#9. Geico Pet Insurance

Geico offers a number of different plans with widely varying prices. It even provides a variety of wellness alternatives with varying total yearly rewards.
Nonetheless, their wellness initiatives are lacking. Your savings on your dog’s preventive care will about offset the cost of the plan. It resembles savings more than insurance.
Moreover, Geico provides a variety of discounts. You receive a discount, for instance, if you have several pets and pay your premiums annually. For pets who have been spayed or neutered, a discount is also offered.
However, it doesn’t provide some policy terms that some other insurers do. For instance, neither a plan with zero deductibles nor one with unlimited annual benefits is offered.


  • Plans that are adaptable
  • Wellness choices
  • A lot of savings


  • Plans that are adaptable
  • Wellness choices
  • A lot of savings

#10. AKC Pet Insurance

The AKC is one of the biggest kennel organizations in the US, so it seems to reason that it would also be involved in the pet insurance industry.
It makes a point of saying that its plans are adjustable, and they are. Yet it may be a little perplexing with so many add-on choices. They also raise the cost of the plan significantly, particularly if you want a lot of items covered.
A veterinarian examination is not necessary to join the AKC. Its waiting times, however, are a little unclear. It does provide accident-only coverage, which is a lot less expensive than some other options.


  • Customizable
  • Enrollment does not need a veterinarian examination.
  • Available accident-only coverage


  • The plan builder and confusing add-ons
  • Prolonged waiting times

What cat has the cheapest insurance?

Indoor cats that are healthy, neutered, and spayed often have the lowest cat insurance prices.

Hоw fаѕt does Pets Best іnѕurаnсе рау?

The majority оf реt іnѕurаnсе роlісіеѕ соvеr ассіdеntѕ аnd іllnеѕѕеѕ within 14 dауѕ (although ѕоmе рlаnѕ can tаkе аѕ lоng аѕ 30 dауѕ). Dіrесtlу on Pаwlісу Advіѕеr, уоu may сhесk thе wаіtіng tіmеѕ for сеrtаіn plans. Clісk on a quotation уоu рrеfеr after uѕіng our tооl tо search for pet іnѕurаnсе.

Hоw lоng dо уоu nееd pet іnѕurаnсе before uѕіng it?

Mоѕt реt іnѕurаnсе policies соvеr ассіdеntѕ аnd illnesses within 14 dауѕ (although ѕоmе plans саn tаkе аѕ long аѕ 30 dауѕ).

Does Petplan pay vets directly?

Yes, this enables veterinarians to file claims on your behalf so we can pay them directly, giving you more time to think about your pet’s welfare. It’s one of the factors that contribute to 90% of our clients renewing their policies with us each year.


Cat owners should do their research to make sure they get the best coverage for their cats because there are numerous pet insurance plans available in 2023. We hope that our advice has made it easier for you to choose the best pet insurance for your four-legged pals. There isn’t a one-size-fits-all answer when it comes to pet insurance, so be sure to read the tiny print and ask questions before deciding.


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