cat coverage that’s two paws up

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Cat insurance

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What is cat insurance?

Cat insurance could help cover medical costs if your cat is sick or injured. Keep your feline friends happy, healthy and purring with pet health insurance.

Why do I need pet insurance for my cat?

Pet insurance could help cover your cat’s unexpected healthcare costs, including surgeries, hospitalizations and treatments. It provides a financial safety net so you can put the focus back on your pet’s well-being.

What is covered by cat insurance?

Comprehensive coverage for your cat typically includes:

  • Broken bones, emergency room visits and specialist care
  • Illnesses that are breed-specific, congenital, or chronic.
  • Lab work, including diagnostic testing and consultation fees
  • Surgical procedures and hospitalization
  • Prosthetic limbs, devices and mobility aids.
  • Dental accidents and illnesses
  • Behavioral therapy and rehabilitation
  • Prescription medications

How does cat insurance work?

1. Visit any licensed vet

Find the right care your cat needs, even from specialists and rehabilitation centers.

2. Submit your claim

Remember to keep a copy of your invoice for your records.

3. Get paid

For covered claims, receive your payment by check or direct deposit. You choose.

How much does cat insurance cost?

Many plans are between $10 to $30 per month¹. Factors like your cat's breed, age, the policy's deductible, and reimbursement percentage can all impact your monthly price. Here are some examples of estimated premiums:

Breed Age State Zip Estimated Premium
Domestic Shorthair 5 years Des Moines, Iowa 50309 starts from $18.82
American Shorthair 4 years Omaha, Nebraska 68102 starts from $13.76
Siamese 2 years Wichita, Kansas 67202 starts from $14.09
Bombay 1 year Knoxville, Tennessee 37902 starts from $19.04
Bengal 10 months Sioux Falls, South Dakota 57104 starts from $19.38
Russian Blue 6 months Springfield, Missouri 65806 starts from $13.95

¹Based on Embrace Pet Insurance's 2025 existing policy holder data.

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Is cat insurance worth it?

Peace of mind that your cat will get the care it deserves lets you enjoy them even more. A health plan you can trust ensures your cat will get the protection they need, even if your savings can’t cover the cost.

How do I get cat insurance?

Here's how you can get a personalized quote in under 30 seconds:

  1. Enter your pet's information
  2. Select your coverage
    • Annual Reimbursement Limit – the maximum amount your pet insurance will reimburse you each year.
    • Annual Deductible – the amount you'll pay yearly before pet insurance start reimbursing you.
    • Reimbursement Percentage – what pet insurance will reimburse you after you've met your deductible.
    • Optional coverages, like exam fees or prescription drugs
  3. Checkout and your cat will be covered after the standard waiting period

Cat insurance FAQs

It’s a good idea to compare quotes and coverages to make the best decision on what cat health insurance plan works for you.

Yes, you can visit any veterinarian, specialist or emergency hospital of your choice.

Incurable pre-existing conditions are not covered. However, cat insurance can cover certain curable conditions after your cat remains symptom free for 12 months.

No, vaccines are not covered. However, you can look into a wellness plan that will reimburse vaccines and other routine expenses

Starting coverage for your kitten as early as six to eight weeks old is recommended. Premiums are lower for younger pets and help you get ahead of any future health issues that may develop.

Some exclusions to cat insurance policies can include the following:

  • Pre-existing conditions
  • Routine veterinary care
  • Breeding or pregnancy
  • Cosmetic procedures
  • Deliberate injuries caused by pet owner, including cruelty or neglect
  • DNA testing

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