Cat Insurance Cost
Frequently Asked Questions
How much does cat insurance cost per month?
Cat insurance averages $18-$30/month for accident and illness coverage with 80% reimbursement and $500 deductible. By breed: Mixed/domestic: $15-$25/mo, Siamese: $20-$30/mo, Persian: $25-$35/mo, Maine Coon: $22-$32/mo, Bengal: $20-$30/mo.
Is cat insurance worth it?
Cat insurance is worth it because: cats are expert at hiding illness until it is serious, cancer treatment for cats costs $3,000-$10,000, kidney disease treatment costs $500-$1,500/month ongoing, emergency surgery costs $2,000-$5,000+. At $15-$30/month, one major claim can cover years of premiums.
Do indoor cats need insurance?
Yes. Indoor cats still face health risks: urinary blockages ($3,000-$6,000), cancer, diabetes, kidney disease, dental disease, accidental ingestion of objects, and falls from windows. While indoor cats have fewer accidents than outdoor cats, illness risks are similar.
What does cat insurance cover?
Cat insurance covers: accidents (falls, ingestion of objects), illnesses (cancer, diabetes, hyperthyroidism, kidney disease), surgery, hospitalization, diagnostic tests (bloodwork, X-rays, ultrasound), prescriptions, emergency care, and specialist visits. Wellness riders add: annual exams, vaccinations, dental cleanings, and flea prevention.
Are there waiting periods for cat insurance?
Yes. Most cat insurance policies have waiting periods: Accidents: 2-14 days, Illnesses: 14-30 days, Orthopedic conditions: 6-12 months (some plans), Cruciate ligament: 6-12 months. During the waiting period, conditions that arise are considered pre-existing and not covered.