About Us

About Cat Insurance

Vet costs for cats have climbed steadily, and the bills arrive without warning. A urinary blockage, which is not rare in male cats, can easily exceed $2,000 for a single hospital stay. A cancer diagnosis adds months of oncology visits on top. Cat Insurance exists so owners can see what a policy actually costs for their cat's age, breed, and location before a crisis makes the math for them.

The calculator covers the main plan variables: accident-and-illness versus accident-only coverage, annual deductible (typically $100 to $500), reimbursement percentage (70, 80, or 90 percent), and annual benefit limit. Breed is a factor because insurers price hereditary risk into the premium. Maine Coons, for example, carry elevated heart disease risk, which insurers have noticed and priced accordingly. Age is the strongest driver overall: insuring a kitten costs far less than enrolling a 10-year-old. ZIP-code adjustment reflects the real variation in veterinary costs across US markets.

Figures are drawn from published insurer rate information, consumer-reported premiums, and industry pricing summaries like NAPHIA's annual State of the Industry report. This site has no ownership stake in any pet insurer, and nobody pays to be featured or ranked higher. We do earn a small referral fee if you request a quote through a partner link, which costs you nothing extra. Policy wording varies a lot between companies, so read the exclusion list and waiting periods before you sign anything.