Quick Answer
Compare cat insurance costs and coverage by breed below. Pet insurance typically covers 70-90% of vet bills after deductible.
Cat Insurance Guide
Cats may be lower maintenance, but they're not immune to expensive health issues. Urinary blockages cost $2,000-$5,000. Pet insurance provides financial peace of mind.
Types of Cat Insurance Coverage
Accident-Only
Injuries, ingested objects, falls, poisoning
Illnesses, cancer, dental, wellness
Accident & Illness
Accidents PLUS urinary issues, diabetes, cancer
Pre-existing conditions, preventive care
Comprehensive
Accidents, illnesses, AND routine care
Pre-existing conditions
✅What's Typically Covered
Accidents & Emergencies
Falls, wounds, foreign object ingestion
Illnesses
Urinary blockages, diabetes, hyperthyroidism, cancer
Chronic Conditions
Kidney disease, diabetes (ongoing treatment)
Surgeries
Foreign body removal, tumor removal, urinary unblocking
Medications
Insulin, thyroid meds, antibiotics
❌What's NOT Covered
Pre-Existing Conditions
Any condition diagnosed before coverage began.
Preventive Care
Vaccines, annual exams, spay/neuter.
Dental Disease
Many plans exclude dental or only cover accident-related.
Behavioral Issues
Treatment for anxiety or aggression often excluded.
Insurance by Cat Breed
Different breeds have different health risks and insurance costs. Click for breed-specific guides.
Frequently Asked Questions About Cat Insurance
Is pet insurance worth it for cats?▼
Are indoor cats cheaper to insure?▼
Should I insure my older cat?▼
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Trusted sources: NAPHIA · AVMA Pet Care