Cat Insurance Plans from Pets Best!
Cover up to 90% on eligible vet bills
Use any licensed vet in the U.S.
No upper age limits
Free 24/7 pet helpline included
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Cat Health Insurance from Whiskers to Tail
Life with a cat is full of surprises, and some of them come with a vet bill. We’re here to help you manage unexpected vet costs with less stress. Pets Best offers flexible, affordable cat insurance plans designed to fit your budget and your feline's unique needs. From curious kittens getting into trouble to senior cats managing age-related conditions, our plans are built to help support multiple stages of your cat's life.
Coverage for Accidents & Illnesses
From the "how did they get up there?" moments to the more serious health scares, we're in your corner. Our accident and illness plan offers our comprehensive coverage, reimbursing up to 90% of eligible vet costs so your cat gets the care they need when it matters most.
Accidents
Unexpected injuries from incidents like falls, cuts, or ingesting something harmful.
Examples & typical costs
- Toxin ingestion (e.g., lilies, antifreeze): ~$300–$3,000+ depending on treatment intensity1
- Fracture repair (e.g., fall injury): ~$1,500-$6,000 depending on severity and surgery needs2
Illnesses
Conditions like infections, diabetes, allergies, or digestive issues.
Examples & typical costs
- Ear infection: ~$150–$450 per episode (exam + meds)3
- FLUTD (feline lower urinary tract disease): ~$250–$600 for mild cases; $1,400–$5,000+ if blockage or hospitalization is required4
Cancer
Diagnostics and treatments including blood work, tumor removal surgery, and chemotherapy.
Examples & typical costs
- Chemotherapy for lymphoma: ~$2,500–$7,500+5
Emergency Care
Urgent treatment when your cat needs immediate medical attention.
Examples & typical costs
- Respiratory distress requiring emergency stabilization: $200–$3,5006 depending on severity
- Severe bite wound or abscess requiring emergency treatment: $200–$2,000+7
Surgeries
Medically necessary procedures to treat injuries, blockages, or other internal issues.
Examples & typical costs
- Intestinal blockage (foreign object): ~$2,000–$5,0008
Prescription Medications
Vet-prescribed drugs to treat infections, manage pain, or support chronic conditions.
Examples & typical costs
- Antibiotics for common infections: ~$15–$120 (medication only) or ~$120–$350 with exam and testing9
- Long-term medications (hyperthyroidism, arthritis, chronic illness): ~$10–$100+ per month depending on drug and condition10
What's Not Covered
Pre-existing conditions
Routine and preventive care, including vaccinations and parasite prevention (unless a wellness plan is added)
Elective and cosmetic procedures
Behavioral condition training
Alternative and holistic treatments
Prescription pet foods, supplements, and grooming
Breeding and pregnancy-related conditions
For full details on exclusions and limitations, please review our sample policy.
Flexible Cat Insurance Plans
Great cat insurance should fit your life, not the other way around. With customizable deductible, reimbursement, and annual limit options, you can build a plan that gives your cat the coverage they need at a monthly premium that works for your budget.
Reimbursement Level
Options ranging from70% - 90%
The percentage of your eligible veterinary expenses we will pay.
Annual Deductible
Options ranging from$100 - $1,000
The amount you’ll pay each annual policy term before receiving any reimbursement. This amount is applied after your chosen reimbursement level.
Annual Limit
Options ranging from$5,000 - Unlimited
The maximum amount of reimbursement you may receive within your annual policy term for covered expenses.
Optional Routine Care
From catching health concerns early to preventing issues before they start, staying on top of routine care is one of the best things you can do for your cat's long-term health. Our cat wellness options can be added to your pet insurance plan for an additional cost to help budget for routine visits and preventive health needs. Coverage for routine care can be useful for cats of all ages, whether you have a kitten due for their first round of vaccinations or an older cat keeping up with annual wellness exams.
Regular Vet Visits
Vaccinations
Dental Cleanings
Spay / Neutering
These wellness options are popular add-ons for both kittens and senior cats and can help parents budget for wellness visits your cat may need throughout the year.
How Does Pet Insurance for Cats Work?
Pet insurance can help ease the cost of care by reimbursing you for eligible vet bills. It puts your pet's health first — with less financial stress.
STEP 1
Get treatment
If your cat becomes unexpectedly sick or injured take them to any veterinarian in the US or Canada, including specialty and emergency clinics.
STEP 2
File a claim
After your cat has seen the vet, submitting claims is as simple as snapping a photo of your invoice and uploading it to your Customer Account online or in our mobile app.
STEP 3
Get cash back
We’ll reimburse you for eligible veterinary expenses directly to your bank account, by mail, or to your CareCredit card if you have one.*
We Can Pay Your Vet Directly
Prefer not to pay out of pocket and wait for reimbursement? We get it! Pets Best offers an optional Direct Vet Pay feature with all our plans, allowing eligible claim reimbursements to be sent directly to your veterinarian. Claims are still subject to review under your policy, and you'll remain responsible for your deductible, coinsurance, and any non-covered expenses. It's one less thing to think about when your cat isn't feeling their best, so you can focus on what matters most: helping them get back to their happy, healthy self. Learn more about Direct Vet Pay.
How Much Does Cat Insurance Cost?
On average, our most comprehensive accident & illness pet insurance plans for cats range from $21-$34/month.**
The cost of monthly premiums are based on several factors:
- breed and age of your cat
- your location
- coverage you choose
Pets Best offers flexible, customizable plans designed to help make cat insurance more affordable. By choosing your reimbursement level, annual deductible, and annual limit, you can build a plan that fits both your cat’s needs and your budget.
Get a quote and see how much pet insurance costs for your cat!
Get a Free Quote
What Our Cat Parents Are Saying
Common Cat Insurance Questions
Can I use Pets Best pet insurance at any vet?
Yes! Pets Best covers eligible veterinary care at any licensed veterinary office in the US and Canada, including specialty and emergency clinics. You pay your vet directly, then submit a claim for reimbursement. There’s no network to worry about, so you can stick with the vet you already trust.
Is cat insurance worth it?
For many pet parents, cat insurance is worth it because it helps cover the cost of unexpected vet bills from accidents, illnesses, and chronic conditions. Treatments for issues like urinary blockages or dental disease can quickly reach hundreds or even thousands of dollars. Insurance can reimburse a significant portion, helping you say yes to recommended care without financial strain.
Learn more about the benefits and real-world costs in this guide: Why cat insurance is worth the cost.
Is pet insurance worth it for an indoor cat?
Yes! Though your indoor kitty may be protected from the dangers of the outdoors, they are still prone to accidents and illnesses. Unexpected health issues like diabetes, urinary tract disease, digestive problems, or even swallowing something they shouldn't can happen at any time, and a single emergency vet visit can cost thousands. Enrolling early is especially smart, since it helps avoid pre-existing condition exclusions down the road and generally gets you the best rates. Read more about why pet insurance is worth it for indoor cats.
Does Pets Best offer senior cat insurance?
Yes! Pets Best has no upper age limits, so you can enroll your cat regardless of their age. Once enrolled, your coverage won’t be reduced simply because your cat gets older. While pre-existing conditions are not eligible for coverage, senior cat insurance can help provide financial protection for new health issues that may develop later in life, including conditions such as cancer, heart disease, and kidney disease. Pet insurance for older cats can be especially valuable as veterinary needs often increase with age.
When is the best time to buy cat insurance?
The best time to enroll is as early as possible, ideally when your cat is young and healthy. You can enroll your kitten as young as 7 weeks of age, and enrolling early helps you get the best rates and ensures that any conditions your cat develops after enrollment are eligible for coverage. Since pet insurance doesn't cover pre-existing conditions, getting a policy in place before any health issues arise gives your kitty the most protection possible.
Are there any cat breed restrictions or breed exclusions?
Nope! Pets Best does not exclude any cat breeds from coverage. Whether you have a Maine Coon, a Siamese, a Sphynx, or a beloved domestic shorthair, your cat is eligible for a Pets Best plan.
What isn’t covered by Pets Best cat insurance?
Like all pet insurance plans, Pets Best has some exclusions to help keep premiums affordable. Pre-existing conditions are generally excluded, though certain curable conditions may become eligible for coverage after they have fully healed and are symptom free. Routine or elective procedures, parasite prevention and treatment, grooming, prescription diets, and alternative or experimental therapies are also not covered. For full details, see our coverage page.
Read more pet insurance FAQs.
20+ Years
of experience
1 Million+
pets enrolled†
$1 Billion+
in covered claims††
Since 2005, Pets Best has remained committed to one mission: to help end economic euthanasia by ensuring pet parents are financially prepared when unexpected veterinary care is needed. When financial stress is lifted, the focus can stay where it belongs: on your pet.
*CareCredit is a credit product offered by Synchrony Bank. Pets Best does not own, administer, or make decisions regarding CareCredit. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Pets Best.
**Based on 2024 average new policyholder data for Accident & Illness Plans, pets aged 0-10. Premiums vary based on routine care coverage, annual limit, deductible, coinsurance, pet’s breed, age, location, and are subject to change over time.
†Pets Best. (2024). Internal sales data
††Pets Best. (2005–2025). Internal Claims Data
Sources:
- https://vetcostguide.com/cat-toxin-poisoning-treatment-cost/
- https://spectrumcare.pet/cats/costs/cat-fracture-surgery-cost
- https://www.realvetcost.com/cat-diseases/ear-infections/
- https://thevetdesk.com/pet-lifestyle/cats/how-much-does-cat-urinary-treatment-cost/
- https://www.realvetcost.com/cat-diseases/cancer-lymphoma/
- https://spectrumcare.pet/cats/costs/emergency-vet-visit-cost-for-breathing-problems
- https://spectrumcare.pet/cats/costs/cat-abscess-treatment-cost
- https://www.realvetcost.com/cat-procedures/intestinal-blockage-surgery/
- https://spectrumcare.pet/cats/costs/cat-antibiotic-cost-guide
- https://vetreceipt.com/costs/cat-chronic-medication
Testimonial[s] provided by Pet’s Best Insurance Services, LLC. member(s). The views and opinions expressed in this testimonial are solely those of the individual providing the recommendation. Coverage options, policy terms, and customer experiences may vary based on personal circumstances and the specific insurance provider’s policies.