One of the unfortunate realities of owning a cat or any other kind of pet is that they may eventually run into a costly health issue. Pet insurance coverage plans help pet owners cover eligible vet costs associated with cat accidents, illnesses, and even wellness visits with an optional add-on. Below, Spot Pet Insurance looks to answer some common questions that cat owners ask related to pet insurance.
How Much Does Cat Insurance Cost?
The cost of cat insurance is related to many different factors. Some of these include the age of your cat and the kind of insurance plan that you purchase. One of the most important factors going into your average premium is the cat’s age. The reason that it is so important when calculating premiums is that older cats are more likely to develop health issues. On the other hand, younger cats are more likely to be healthier than older cats, so their premiums will reflect this lower risk.
Cat Age† | Average Premium† |
3 years old | $24.30 |
6 years old | $25.73 |
8 years old | $31.42 |
What Does Cat Insurance Cover?
What your cat insurance policy covers depends on what level of care you want to get for your cat. An example of coverage options and what they cover can be seen here:
Accident-only: An accident-only plan is designed to help make sure that your cat is covered for unexpected accidents
Accident and illness plan: An accident and illness plan is designed to help cover eligible vet expenses related to unexpected accidents and illnesses after the waiting period
Optional wellness add-on: An optional wellness add-on is an option that pet owners could purchase that helps covers expenses related to preventive care such as dental cleanings, vaccines, and more
What are Some Examples of Cat Insurance Claims?
Cat insurance claims can be expensive. Here are some examples of some cat claims along with their reimbursement.
Claims | Cost† | Reimbursement† |
Biopsy with Microscopic Description | ICU/ER Dr/Nurse/Technician Care | Tax/Medical waste | Cerenia Injection | Surgery Pack | Removal of a Skin Tumor | Sedation | Hospitalization | Anesthesia | Fluids | Monitoring | Buprenorphine | $1,992.91 | $1,586.33 |
Glucose Single | CBC | Cerenia Injection | X-ray | PCV/TP | STAT Lab/Radiology Fee | SQ Fluids | Chemistries | Tax/Medical waste | Cytology | Clinical Exam - Single problem | $1,975.74 | $1,316.47 |
Cytology | Sedation | Radiologist Review | X-ray | Ultrasound | Clinical Exam - Single problem | $1,938 | $1,064 |
Read more: Is Pet Insurance is Worth It?
How Does Spot Compare?
As a member of the pet insurance industry, Spot Pet Insurance knows that many competitors offer cat insurance as well. When you are looking for pet insurance coverage you need to look at key factors including policies, coverage differences, and reimbursement rates. We encourage you to look at our pet insurance comparison pages to see how we stack up against competitors like Embrace, Pets Best, Trupanion, Figo, and more.
† Jan 2019 to November 2024 administrative claims data. Includes total reimbursement for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.
