Yes, you can absolutely put insurance on a cat in the United States. Cat insurance, also known as pet insurance, helps cover veterinary expenses related to accidents, illnesses, and sometimes routine care. With rising vet costs in the US, many cat owners choose insurance to protect both their pets and their finances.
This guide explains how cat insurance works, the types available, costs, and how to choose the best plan.
What Is Cat Insurance?
Cat insurance is a health insurance policy designed specifically for cats. You pay a monthly premium, and the insurance company reimburses you for eligible veterinary expenses after you submit a claim.
Most policies work on a reimbursement basis, meaning you pay the vet upfront and get refunded later.
Types of Cat Insurance in the US
There are three main types of cat insurance plans available:
1. Accident-Only Insurance
This plan covers injuries caused by accidents such as:
- Broken bones
- Poisoning
- Bite wounds
It is the cheapest option but does not cover illnesses.
2. Accident and Illness Insurance
This is the most common and recommended plan. It covers:
- Accidents
- Illnesses (infections, cancer, diabetes, urinary issues)
- Surgeries and hospitalization
3. Wellness or Preventive Plans
These are optional add-ons and usually cover:
- Vaccinations
- Annual checkups
- Flea and parasite prevention
- Spaying or neutering (in some plans)
How Much Does Cat Insurance Cost in the US?
On average, cat insurance costs:
- $20 – $50 per month
Price depends on:
- Your cat’s age
- Breed
- Location
- Coverage level
Younger cats are cheaper to insure, and indoor cats usually cost less than outdoor cats.
Best Cat Insurance Companies in the US
Some of the most trusted pet insurance providers include:
- Healthy Paws
- Trupanion
- ASPCA Pet Insurance
- Embrace Pet Insurance
- Nationwide Pet Insurance
Each company offers different coverage limits, deductibles, and reimbursement percentages.
What Is NOT Covered by Cat Insurance?
Most insurance plans do not cover:
- Pre-existing conditions
- Cosmetic procedures
- Breeding-related expenses
- Non-veterinary costs
Always read the policy terms carefully before signing up.
How to Choose the Best Cat Insurance Plan
When selecting a plan, consider the following:
- Coverage type (accident-only vs accident & illness)
- Monthly premium
- Deductible amount
- Reimbursement rate (70%, 80%, or 90%)
- Annual or lifetime limits
Tip: Insure your cat as early as possible to avoid exclusions.
How to Apply for Cat Insurance (Step-by-Step)
- Choose an insurance provider
- Select your coverage and deductible
- Enter your cat’s information
- Submit the application online
- Wait for the waiting period to end
- Start using the coverage
Most applications take less than 10 minutes.
Is Cat Insurance Worth It?
Cat insurance is worth it if:
- You want financial protection from unexpected vet bills
- Your cat is young or at risk of health issues
- You prefer predictable monthly expenses
A single emergency surgery can cost $2,000 – $5,000, making insurance a smart choice for many owners.
Frequently Asked Questions (FAQ)
Can indoor cats be insured?
Yes, indoor cats can be insured and usually cost less.
Does cat insurance cover spaying or neutering?
Only if you add a wellness plan.
Is cat insurance required in the US?
No, it is completely optional.
Final Thoughts
Yes, you can put insurance on a cat in the US, and it can save you thousands of dollars in unexpected veterinary costs. By choosing the right plan early, you ensure your cat receives the best care without financial stress.