When I lived in California, I was VP Marketing for a financial services company that developed consumer products and my favorite project was when I partnered with Veterinary Pet Insurance Company (VPI) the first health insurer for US pets, to create the most successful product the company had ever launched. (Meetings at their offices were the most fun meetings I ever attended.)
Some of that success was because people LOVE their pets! And, even though it was an entirely new concept then, chances are that as a pet owner now, you’ve been exposed to the idea and may have even purchased a policy for your pet, or are contemplating doing so.
Here’s some information to help you make a good decision for your furry family member.
Is cat insurance actually worth it?
As vet bills climb and emergency care becomes more advanced and expensive, many pet owners are turning to pet insurance to help protect their furry family members (and their wallets).
Cats may seem low-maintenance compared to dogs, but they’re far from immune to health issues. From chronic conditions like diabetes and hyperthyroidism to unexpected accidents or surgeries, even indoor cats can rack up significant veterinary bills.
Here are some examples:
- Dental issues: Up to $1,500+
- Urinary blockages: $2,000–$5,000 (common in male cats)
- Emergency surgery: $3,000+
- Cancer treatment: $5,000–$10,000+
Pet insurance can help cover 70% to 100% of those costs, depending on your plan.
How cat insurance works
Most pet insurance works on a reimbursement model. This means that you pay the vet bill up front, then submit a claim, and get reimbursed for eligible expenses.
Most plans include these basics and many companies offer add-ons such as wellness exams, vaccines, flea-tick medications, even dental cleanings.
- Accident & illness coverage
- Hereditary and congenital conditions
- Chronic disease coverage
- Diagnostic testing, surgery, hospitalization
Top-rated pet insurance companies
Here’s a list of the 2025 top-rated pet insurance companies for cats in the U.S., based on market share, reputation, coverage options, and expert rankings. (Note: “top” can differ depending on your pet’s age, breed, health needs, and your location.)
- Trupanion – Offers direct vet payment and unlimited lifetime coverage
- Nationwide – Formerly VPI, One of the only providers that covers exotic pets; comprehensive plans
- Embrace – Excellent customization, wellness add-ons, and customer service
- Fetch by The Dodo – Great for comprehensive illness coverage
- Pets Best – Budget-friendly, covers older cats
- Lemonade – Affordable and tech-savvy, easy claims via app
- Figo – 24/7 virtual vet, cloud-based claims, and strong wellness options
- Healthy Paws – No annual caps, fast claims processing
- Spot – Highly flexible plans and solid multi-pet discounts
- AKC Pet Insurance – Especially good for breed-specific conditions
Is cat insurance worth it? Yes, if:
- Your cat is young and healthy (you’ll get better rates)
- You want protection from surprise bills
- You’d struggle to pay thousands out-of-pocket for care
- You live in a city where vet costs are higher
It might not be worth it if:
- Your cat is already senior (over 7 years old) with pre-existing conditions
- You’re financially prepared for emergencies
- You prefer a savings-account approach instead
What Does It Cost?
On average, cat insurance costs $20–$35/month, depending on factors such as your cat’s age and breed, your location, and the coverage level you choose (deductibles, limits, etc.)
While not every cat owner needs pet insurance, many find it offers peace of mind especially when emergencies strike. The right plan can ensure your cat gets the care they need without financial hesitation.
Final thoughts: so, is cat insurance worth it?
If you want to avoid unexpected financial stress and prioritize long-term care, it’s definitely worth considering. Just as you do for yourself, shop around for the best plan that meets your needs. Talk to your veterinarian as well for recommendations given your cat’s specific health needs. And, just like human healthcare, it’s easier and less expensive to get when you don’t need it.
The short answer: it depends on your cat and your budget. But for many pet parents, the peace of mind that comes with knowing you can afford the best care—no matter what—makes pet insurance a smart investment.
