Best Pet Insurance for Cats in 2026
ASPCA Pet Health Insurance offers the best balance of price and coverage for most cats — plans start around $16/month, include exam fees and hereditary conditions, and offer a $9.95/month wellness add-on. Trupanion is the best choice for owners who want unlimited annual payouts and direct vet payment. Figo is the only provider offering 100% reimbursement.
Get Quote →At a Glance
ASPCA Pet Health Insurance
“ASPCA Pet Health Insurance covers cats from $16/month with exam fees and hereditary conditions included. A $9.95/month wellness add-on covers up to $250/year in preventive care.”
What we like
- Exam fees included in standard coverage
- Hereditary conditions covered (Complete Coverage plan)
- Wellness add-on available from $9.95/month
- Multiple deductible options ($100, $250, $500)
- Reimbursement up to 90%
Watch out for
- Annual limit capped at $10,000 on standard plans (unlimited requires call)
- Sample rate of $39.20/month is above industry average for some cats
Rates as of April 8, 2026. Terms apply. Verify on issuer site.
MetLife Pet Insurance
“MetLife Pet Insurance includes exam fees by default, has no age limit for enrollment, and offers 21 deductible options from $0 to $2,500 — the most customizable cat insurance plan available.”
What we like
- Widest deductible range: $0 to $2,500 (21 options)
- Exam fees included in standard coverage
- No upper age limit for enrollment
- 50%, 70%, 80%, 90% reimbursement options
- Preventive care add-on available
Watch out for
- Starting price of $7/month is for minimal coverage
- 50% reimbursement option is below most competitors
- Pricing varies significantly by state
Rates as of April 8, 2026. Terms apply. Verify on issuer site.
Pet Insurance for Cats Buying Guide
Photo by Abdel Achkouk / PexelsHow to Choose Pet Insurance for Your Cat
Cat insurance plans vary dramatically on four dimensions that determine what you actually pay out of pocket when your cat is sick. Before comparing providers, understand these four levers:
1. Deductible (Annual vs. Per-Condition)
Most insurers use an annual deductible — you pay it once per policy year, then claims are covered. Trupanion uses a unique per-condition deductible — you set a deductible for each condition (from $0 to $1,000 in $50 increments), and once met for that condition, future claims for it are fully covered for life. This can be valuable for chronic conditions like diabetes or kidney disease.
2. Reimbursement Rate
After your deductible, your insurer pays a percentage of covered costs. Most providers offer 70%, 80%, or 90%. Figo uniquely offers 100% reimbursement — meaning after your deductible, they cover everything. Trupanion locks you in at 90% but offers no other option.
3. Annual Limit
This caps what the insurer will pay per year. Limits range from $2,500 (Figo's entry tier) to unlimited (Trupanion, Figo's top tier). For cats prone to expensive conditions like urinary blockages or cancer, an unlimited annual limit provides peace of mind. A $5,000 annual limit can be exhausted by one hospitalization.
4. What's Actually Covered
Exam fees — the consultation cost charged by the vet before any treatment — are excluded by several providers. ASPCA and MetLife include them by default. Figo and Trupanion do not. Hereditary conditions like polycystic kidney disease (common in Persians) and heart anomalies are covered by all two providers reviewed here, as long as symptoms hadn't appeared before enrollment.
Common Exclusions (All Providers)
- Pre-existing conditions (symptoms present before enrollment)
- Routine/preventive care (unless wellness add-on purchased)
- Cosmetic procedures and elective surgery
- Breeding costs and pregnancy
- Dental disease (often limited — check your policy)
- Grooming and nail trims
- Food, supplements, and vitamins
Cost by Cat Age (March 2026)
Insurance cost rises significantly as cats age. A plan that costs $15/month for a kitten may cost $55–$108/month for a 10+ year old cat. Enrolling young locks in coverage for conditions that develop later — waiting until your cat is older means paying much more and having those early health issues excluded as pre-existing.
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Frequently Asked Questions
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How much does cat pet insurance cost?
When should I enroll my cat in pet insurance?
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