Best Cat Insurance Companies

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Becoming the owner of a furry feline is priceless, but caring for your pet will come with a variety of costs. If you’re concerned about accidents, illnesses, and the vet bills they can bring, you may want to look into cat insurance. 

The best pet insurance for you and your cat will depend on a variety of factors such as the coverage you need, claim turnaround times, pricing, and more. To save you some time, we did the research for you. Here are the seven best cat insurance companies for 2023 and why they topped the list.

Best Cat Insurance

Why Trust Us
Providers reviewed
Plan features considered
Data points analyzed
Consumers surveyed
Investopedia collected key data points from many pet insurance and wellness companies to identify the most important factors to pet owners. We used this data to review each company for plan options, deductibles, coverage, claims processing, and other features to provide unbiased, comprehensive reviews to ensure our readers make the right decision for their pets’ needs.

Best Overall : Figo Pet Insurance

  • Annual Deductible Options USD: $100 - $1,500
  • Reimbursement Percentage: 70 - 100
  • Claim Turnaround Time: 9 - 12 days
  • Minimum Maximum Enrollment Age: 8 weeks - no maximum
Why We Chose It

Figo offers the best pet insurance for cats by delivering flexible policy options, exceptional service, comprehensive coverage, and a 15% discount for Costco customers. 

Pros & Cons
  • Fast claim turnaround time

  • Short waiting periods

  • Flexible and comprehensive policies

  • Diminishing deductibles

  • 24/7 vet access: Live access to a licensed vet at all times

  • Multi-pet and Costco discounts

  • Enrollment fees may apply

  • Exam fees cost extra (for accidents and injuries) 


Figo cat insurance offers coverage for accidents, illnesses, and emergencies. Further, you can get wellness coverage through “Powerups.” The Powerup options include a Wellness package that covers preventative care, and a Vet Exam plan to cover exam fees.

The company also offers a wider range of deductibles than many competitors, along with higher annual limits and reimbursement percentages. As a customer, you can opt for unlimited coverage, $10,000 per year or scale it down to $5,000 per year to keep your premium more affordable. 

When it comes to service and features, Figo closes claims in 2.6 days on average, offers diminishing deductibles for claim-free customers, 24/7 vet access, and a Pet Cloud that can help you find your cat if it gets lost. Furthermore, the waiting periods are competitive: one day for injuries and 14 days for illnesses.

Learn more in our Figo review.

Best for Curable “Pre-Existing” Conditions : ASPCA

  • Annual Deductible Options USD: $100 - $500
  • Reimbursement Percentage: 70 - 90
  • Claim Turnaround Time: 14 - 28 days
  • Minimum Maximum Enrollment Age: 8 Weeks - no maximum
Why We Chose It

ASPCA offers the best cat insurance for curable pre-existing conditions because it doesn’t consider them pre-existing if a cat hasn’t shown symptoms or required treatment in the past 180 days. 

Pros & Cons
  • Curable conditions not considered pre-existing after 180 days of being cured

  • 10% discount on multiple pets

  • Accident-only coverage option

  • Preventative care add-on

  • Claims can take up to 30 days

  • Limited deductible options

  • 14-day waiting period on all coverage


If your pet has a curable health condition that’s been symptom- and treatment-free for the past 180 days, ASPCA won’t consider it pre-existing. That means if the same curable issue requires treatment in the future, the costs could be covered by your policy. With many other insurers, your pet’s condition must be cured for at least 12 months or more. 

As for coverage, ASPCA’s is comparable to the other leading insurers on the market. You can opt for the Complete Coverage plan, which covers accidents, illnesses, behavioral issues, hereditary conditions, and dental disease. On the other hand, you can choose an accident-only plan that just covers injuries like torn ligaments, broken bones, and toxic ingestions. You can also add preventative coverage to either plan starting at $9.95 per month. 

Other perks include covered exam fees (for illnesses and accidents) and a 10% discount if you have multiple pets. On the downside, claims tend to take a bit longer to process than with competitors like Figo. You also won’t have the option for unlimited coverage, deductibles above $500, or 100% reimbursements.  

Learn more in our ASPCA review

Best for Included Exams at a Good Price : Nationwide Pet Insurance

  • Annual Deductible Options USD: $100 - $1,000
  • Reimbursement Percentage: 50 - 70
  • Claim Turnaround Time: 9 - 12 days
  • Minimum Maximum Enrollment Age: 6 weeks - 10 years
Why We Chose It

Nationwide offers some of the best pet insurance for cats with both competitive premiums and one plan covers exam fees for accidents and illnesses.

Pros & Cons
  • Multiple plan options for pets under 10 years of age and one plan for older pets

  • Live 24/7 vet hotline

  • Vet exam fees included (accident and injury diagnosis)

  • Competitive average premium

  • Limited annual benefits 

  • Only one deductible option

  • Reimbursement levels limited to 50% or 70%

  • Age limits apply, but at least they're high


Nationwide has three main cat insurance offerings. Its Whole Pet plans are available online for cats aged 20 and under. They cover accidents, illnesses, hereditary and congenital conditions, and cancer. You can only choose between a 50% or 70% reimbursement level, which is lower than most competitors. Further, there’s only one deductible option of $250 and one annual benefit limit option of $10,000.

If your cat is under the age of 10, you’ll likely also be offered two Major Medical plans. These are similar to the Whole Pet plan but don’t have reimbursement levels. Instead, the annual benefits are limited per condition. Additionally, one offers preventative care to cover expenses like wellness exams and vaccinations. 

Nationwide’s plans are lacking some flexibility, but the insurer redeems itself with competitive starting premiums, covered exam fees (accident and injury diagnosis), and 24/7 access to a live vet hotline. 

Learn more in our Nationwide Pet Insurance review.

Best for Discounts and Multiple Pets : Metlife Pet Insurance

  • Annual Deductible Options USD: $0 - $2,500
  • Reimbursement Percentage: 50 - 100
  • Claim Turnaround Time: 12 days
  • Minimum Maximum Enrollment Age: None
Why We Chose It

MetLife offers significant savings through a family plan for multiple pets. Plus, it covers non-curable pre-existing conditions when switching providers if they began under the previous provider’s coverage.

Pros & Cons
  • Great lineup of discounts

  • Affordable family plans for multiple pets

  • Coverage for pre-existing conditions when changing providers

  • Exam fees covered (accident and injury)

  • Short wait periods

  • Flexible policies

  • No unlimited coverage online

  • 100% reimbursement is not available

  • No vet hotline


MetLife Pet Insurance stands out amongst other insurers thanks to its discounts and family plans. The company offers a 10% animal care discount, plus an additional 10% off for serving military, veterans, first responders, and healthcare workers. You can also save $1 per month if you buy your policy online. Additionally, if you have multiple pets to insure, the company’s family plans offer a greater value than individual plans with significant savings when insuring multiple pets.

If you already have pet insurance and want to change providers, MetLife will cover non-curable pre-existing conditions that developed while under the prior insurer’s policy. This feature is unique to MetLife as far as we’ve seen.

As for the coverage, MetLife offers customizable policies with a wide range of options. You can get unlimited annual coverage (you may have to call in) and reimbursement up to 100%. Further, deductibles range from $50 up to $2,500, suiting a variety of budgets. If you’d like preventative coverage, there’s a Standard Wellness option that can be added to cover wellness exams, heartworm prevention medication, and vaccinations. 

Learn more in our MetLife Pet Insurance review.

Best for Dental : Embrace

  • Annual Deductible Options USD: $200 - $1,000
  • Reimbursement Percentage: 70 - 90
  • Claim Turnaround Time: 10 - 15 days
  • Minimum Maximum Enrollment Age: 6 weeks - 14 years
Why We Chose It

Embrace offers standout dental coverage from accidents or illnesses. Plans include up to $1,000 per year for tooth repairs, extractions, root canals, and other treatments that result from accidents and illnesses. An added perk? No dental exam is required. 

Pros & Cons
  • Dental up to $1,000 with no exam required

  • Flexible deductibles

  • Wellness add-on 

  • Unlimited annual limit option

  • Accident and illness exam fees are covered

  • Six-month waiting period for orthopedic conditions

  • No family plans

  • One-time $25 admin fee

  • Veterinary exam is required to get coverage


Embrace offers customizable plans, discounts, a paid wellness add-on, and included exam fees (for accidents and injuries). Additionally, if your cat has dental issues, you can get them fixed up without worrying about needing a dental exam to qualify. Embrace plans come with up to $1,000 in annual coverage for dental work caused by accidents or illnesses.

Similar to Figo, Embrace also offers unlimited coverage and a wide range of deductibles and reimbursement rates. You can customize the plan to your needs and make adjustments over time as needed.

On the downside, the insurer doesn’t offer family plans, so you won’t find as big of a value here if you need to insure multiple pets. However, there is, at least, a 10% multi-pet discount. Additionally, you’ll need to pay a $25 admin fee to sign up and must provide a vet exam within 14 days of getting coverage (performed within the last 12 months).  

Learn more in our Embrace Pet Insurance review.

Best for Vet-Direct Payments : Pets Best

  • Annual Deductible Options USD: $50 - $1,000
  • Reimbursement Percentage: 70 - 90
  • Claim Turnaround Time: 20 - 25 days
  • Minimum Maximum Enrollment Age: 7 weeks - no maximum
Why We Chose It

Pets Best stands out from the pack when it comes to its direct vet payments. Instead of you paying out of pocket and waiting for reimbursement, Pets Best will pay your vet directly. 

Pros & Cons
  • Pays vets directly 

  • Three plans with varying coverage levels

  • Exam fees can be included

  • Can add wellness plans for preventative care coverage

  • Flexible policies

  • No 100% reimbursement

  • Curable pre-existing conditions must be cured for 18 months to qualify

  • No waiver on six-month waiting period for cruciate ligament conditions 


Pets Best offers three cat insurance coverage tiers. The Essential plan is the cheapest and covers accidents, illness, injuries, hereditary conditions, emergencies, cancer, and prescription meds. If you want coverage for accident and illness exam fees, you can upgrade to the Plus plan. For a few more dollars per month, you can get the Elite plan, which covers acupuncture, rehabilitative care, and chiropractic care.

A big perk is the vet direct payment option. While insurance can cover many costs, paying upfront out of pocket can cause financial hardship. Pets Best removes that issue for policyholders. The company also offers customizable policies with a wide range of deductibles and reimbursement percentages up to 90%. 

Pets Best may not be the best choice, however, if you have a pet with a recently cured condition. Other insurers will cover a cured pre-existing condition after six months, while Pets Best won’t cover it for 18. 

Learn more in our Pets Best review

Compare the Best Cat Insurance

Overall Rating Best For
Annual Deductible Options USD
Reimbursement Percentage
Claim Turnaround Time
Wellness Care Plan
Minimum Maximum Enrollment Age
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Figo Pet Insurance Best Overall $100 - $1,500 70 - 100 9 - 12 days No 8 weeks - no maximum Get a Quote
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ASPCA Best for Curable “Pre-Existing” Conditions $100 - $500 70 - 90 14 - 28 days No 8 Weeks - no maximum Get a Quote
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Nationwide Pet Insurance Best for Included Exams at a Good Price $100 - $1,000 50 - 70 9 - 12 days Yes 6 weeks - 10 years Get a Quote
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Metlife Pet Insurance Best for Discounts and Multiple Pets $0 - $2,500 50 - 100 12 days No None Get a Quote
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Embrace Best for Dental $200 - $1,000 70 - 90 10 - 15 days No 6 weeks - 14 years Get a Quote
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Pets Best Best for Vet-Direct Payments $50 - $1,000 70 - 90 20 - 25 days No 7 weeks - no maximum Get a Quote
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Final Verdict 

When shopping for cat insurance, you’ll find no shortage of viable options. But some are likely to better suit your needs than others. For example, if you have several cats and want to insure them all, MetLife’s family plans are hard to beat. On the other hand, when unlimited coverage is a priority, you’ll likely want to get quotes from Figo, Pets Best, and Embrace instead. A good place to start is to assess your needs. Then, get quotes from a few reputable insurers who sound like good matches and compare them side by side. 

How Much Is Cat Insurance?

According to the North American Pet Health Insurance Association (NAPHIA), the average monthly premium for cat insurance is $28.57 for an accident and illness plan, and $10.85 for an accident-only plan. Cat insurance premiums are based on the coverage you need, your deductible amount, your reimbursement rate, discounts you can get, and factors like your cat’s age and breed.

Is Cat Insurance Worth It?

Whether cat insurance is worth it or not will depend on your situation. Some accidents (like being hit by a car) and illnesses (like cancer) can cost over $10,000 to treat and cure. Even a day or two in a pet hospital averages from $600 to $1,500. Further, ultrasounds and X-rays can add $150 to $600 to your tab. If you have a robust pet emergency fund, you may not need pet insurance. But that doesn’t mean you won’t want it. Like all insurance, pet insurance is designed to cover large unexpected vet bills in exchange for a relatively small monthly payment.

What Does Cat Insurance Cover?

Cat insurance is a type of pet insurance for cats that generally covers veterinary care that results from accidents, emergencies, and surprise illnesses, such as auto accidents, ingesting foreign objects, being poisoned, animal bites, ligament rupture, gastric torsion, dental trauma, burns, and fractures, as well as cancer, chronic conditions, and genetic conditions. Non-curable pre-existing conditions, experimental procedures, cosmetic surgery, cloning procedures, breeding, pregnancy, and birth are typically not covered.

Should I Get Pet Insurance for My Indoor Cat?

Unless you have a very healthy pet emergency fund, you should get get pet insurance for your cat. Costs for accidents and illnesses, especially if your cat develops a chronic condition like cancer or diabetes, can cost thousands of dollars. And though Indoor cats usually face fewer threats than outdoor cats, that doesn’t mean they are immune from expensive vet bills.


Our team evaluated 25 pet insurance providers based on over 2,000 data points to select the best cat insurance companies. We weighed 43 criteria, plus cost criteria for accident and illness plans for cats. The top picks were selected based on factors like plan benefits, including dental coverage, maximum age limits, customer service options, fees and costs, discounts, age limits, whether bilateral conditions are covered, and when (or if) “cured” pre-existing conditions are covered. 

We took into account the availability of instant online quotes, claim turnaround times, and whether or not the insurer will conduct a medical record review when you apply, among other important considerations. 

We also conducted a survey of 408 people who currently have pet insurance (23% of respondents), are considering getting pet insurance (56.4%), or have had pet insurance in the past (20.6%). Their responses were used to better understand customer satisfaction with the available features, claim reimbursements, and customer service of pet insurance companies.

For further information about our selection criteria and process, our complete methodology is available.

A veterinarian is checking on a Cat at her office

FatCamera / Getty Images

Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
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  2. Figo. "Cat Insurance."

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  4. ASPCA Pet Health Insurance. "Complete Coverage."

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  7. MetLife. "Frequently Asked Questions."

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  10. Embrace Pet Insurance. "Adding or Removing a Pet via MyEmbrace."

  11. Pets Best. "Can I Download a Sample Policy?"

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  13. Figo. “Pet Insurance for Indoor Cats: Is It Worth It?