Best Cat Insurance Companies

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.

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. 

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.

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.

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.

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.