The Best Cat Health Insurance of 2021: Protect Your Feline Companion with Affordable Coverage

For many cat owners, pets are more than just animals — they’re furry members of the family. Just like human family members, cats can experience accidents and illnesses that require expensive medical attention. Unfortunately, healthcare costs for cats can be prohibitive, and many cat owners struggle to pay for veterinary care when they need it.

Fortunately, pet insurance can help you protect your cat’s health and avoid financial hardship. In this article, we’ll explore some of the best cat health insurance options available and help you choose the right coverage for your feline companion!

Why Buy Cat Health Insurance?

Many cat owners wonder if pet insurance is really necessary. After all, cats are relatively low-maintenance pets that don’t require as much medical attention as dogs or other animals. However, even healthy cats can face unexpected veterinary expenses due to accidents, illnesses, or hereditary conditions.

For example, if your cat develops a respiratory infection or gets injured by a car, you may need to take them to the vet for treatment. Depending on the severity of their condition, this can cost hundreds or even thousands of dollars. Without insurance, many cat owners would struggle to afford these expenses.

If you’re worried about the cost of veterinary care for your cat, pet insurance can provide peace of mind and financial protection. With insurance, you won’t have to worry about choosing between your cat’s health and your budget.

Best Cat Health Insurance Providers

There are many pet insurance providers on the market, but not all of them offer coverage for cats. The following companies are some of the top pet insurers that include feline coverage.

Trupanion

Trupanion is a popular pet insurance provider that offers comprehensive coverage for both cats and dogs. Their policy covers accidents and illnesses, including hereditary conditions, congenital conditions, and chronic conditions.

One of the most attractive features of Trupanion’s policy is that they have no payout limits. This means that you won’t have to worry about running out of coverage if your cat needs extensive medical care.

Trupanion also offers a unique feature called “Direct Pay.” With Direct Pay, Trupanion can pay your veterinarian directly for covered expenses, so you don’t have to pay out of pocket and wait for reimbursement.

Petplan

Petplan is another popular pet insurance provider that offers coverage for cats, dogs, and other animals. Petplan’s policy covers accidents, illnesses, and hereditary conditions, as well as dental illness and alternative therapies.

One of the standout features of Petplan’s policy is their coverage for hereditary and congenital conditions. Many other pet insurers exclude genetic conditions from their policies, so Petplan’s coverage can be a lifesaver if your cat has a genetic health issue.

Like Trupanion, Petplan also offers Direct Pay to help you avoid out-of-pocket expenses. They also have flexible deductibles and reimbursement rates, so you can choose a policy that fits your budget.

Healthy Paws

Healthy Paws is a popular pet insurer that offers coverage for cats, dogs, and other animals. Their policy covers accidents and illnesses, including chronic conditions, but does not cover routine care or preventative care.

One of the highlights of Healthy Paws’ policy is that they have no payout limits or caps. This means that you can continue to receive coverage for your cat’s medical expenses no matter how much you spend on veterinary care.

Healthy Paws also offers fast reimbursement times, with most claims processed within two days. They also have low deductibles and high reimbursement rates, making their policies an affordable option for many pet owners.

Frequently Asked Questions

Is pet insurance worth the cost for cats?

While pet insurance isn’t strictly necessary for all cats, it can be a valuable investment for many pet owners. If your cat is at risk for accidents or hereditary conditions, pet insurance can protect you from unexpected veterinary costs.

What does pet insurance typically cover for cats?

Most pet insurance policies for cats cover accidents and illnesses, including hereditary and congenital conditions. Some policies also cover routine care, such as vaccinations and wellness exams. However, these policies can be more expensive.

How much does pet insurance cost for cats?

Pet insurance premiums for cats can vary widely depending on the policy you choose and your cat’s age, breed, and health history. On average, cat owners can expect to pay between $10 and $100 per month for pet insurance.

What is the best pet insurance policy for cats?

The best pet insurance policy for your cat will depend on your specific needs and budget. Trupanion, Petplan, and Healthy Paws are all highly rated pet insurers that offer coverage for cats. You can compare policies and prices to find the one that fits your needs.

How old does my cat need to be to qualify for pet insurance?

Most pet insurers require cats to be at least eight weeks old to qualify for coverage. Some insurers have a maximum age limit, so it’s important to check the policy details before purchasing pet insurance.

Conclusion

Pet insurance can be a valuable investment for cat owners who want to protect their furry companions from unexpected veterinary costs. By comparing policies and prices from top pet insurers like Trupanion, Petplan, and Healthy Paws, you can find the right coverage for your cat’s needs and your budget. With pet insurance, you can rest assured that your cat’s health is covered, no matter what life throws your way!