Lemonade
Accident-and-illness coverage with multiple reimbursement, deductible and annual-limit choices.
Reimbursement70 / 80 / 90%
Deductible$100–$750
Annual limit$5K–$100K
Cat insurance guide
Pet insurance for cats
Cat insurance can help reimburse eligible veterinary costs from accidents and illnesses, but the details matter. Compare reimbursement, deductibles, annual limits, dental benefits, waiting periods and claims features before requesting a quote.
7.6 million pets were insured in North America at the end of 2025.NAPHIA State of the Industry 2026.
Coverage basics
What can cat insurance cover?
Accident-and-illness plans can reimburse eligible veterinary care for covered injuries and illnesses, subject to exclusions, waiting periods, deductibles and policy limits.
Accidents
Eligible injuries may include bite wounds, fractures, swallowed objects, falls and other unexpected trauma.
Illnesses
Plans may cover eligible treatment for infections, digestive problems, cancer, endocrine disease and other covered illnesses.
Urinary conditions
Lower urinary tract problems are a common reason cats need veterinary evaluation. Whether a specific episode is covered depends on the policy and the cat's prior medical history.
Dental illness
Dental disease is common in cats, but coverage differs materially by provider. Some include eligible dental illness while others apply narrower rules.
Diagnostics & treatment
Depending on the policy, benefits can include lab work, imaging, hospitalization, surgery, prescription medication and specialist treatment.
Routine wellness
Vaccinations, routine exams and preventive services are usually separate from core accident-and-illness coverage and may require an optional wellness product.
Policy economics
Three numbers shape how the plan pays
1Deductible
The amount or deductible structure that applies before eligible reimbursement. Most plans use an annual deductible, though structures can differ.
2Reimbursement
A common structure is 70%, 80% or 90% reimbursement of eligible covered costs after applicable policy terms.
3Annual limit
The maximum eligible amount the insurer may reimburse during the policy year. Some providers offer unlimited annual coverage.
Provider snapshot
Cat insurance providers we track
Published plan structures, not personalized premiums. Final availability and pricing require a provider quote.
Pets Best
Flexible coverage with an unlimited option, Direct Vet Pay and optional routine-care benefits.
Reimbursement70 / 80 / 90%
Deductible$100–$1,000
Annual limit$5K–Unlimited
Fetch
Accident-and-illness coverage with benefits such as sick-visit exam fees and eligible dental illness or injury.
Reimbursement70 / 80 / 90%
DeductibleCustomizable
Annual limit$5K / $10K / $15K standard
Spot
Accident-and-illness and accident-only options with optional preventive-care benefits.
Reimbursement70 / 80 / 90%
Deductible$100–$1,000
Annual limit$2.5K–Unlimited
Embrace
Accident-and-illness coverage with dental illness, behavioral therapy and complementary-treatment benefits.
Reimbursement70 / 80 / 90%
Deductible$200–$1,000
Annual limit$2K–Unlimited
Trupanion
A distinct structure with 90% coverage share, unlimited payouts and a lifetime per-condition deductible.
Coverage share90%
Deductible$0–$1,000 / condition
Payout limitUnlimited
Pumpkin
Accident-and-illness coverage with broad included benefits, unlimited-limit availability and PumpkinNow.
Reimbursement80 / 90%
Deductible$100–$1,000
Annual limit$5K–Unlimited
Age matters
Compare differently at each life stage
Kitten
Get coverage in place early
Compare waiting periods, hereditary and congenital-condition coverage, deductible choices and optional preventive benefits before a medical history develops.
Adult cat
Focus on recurring medical costs
Compare annual limits, dental illness coverage, diagnostics, prescriptions and the deductible/reimbursement combination.
Senior cat
Pay close attention to chronic care
Check enrollment eligibility, recurring-condition treatment and policy limits. Chronic kidney disease becomes increasingly important with age, making prior history and ongoing coverage structure especially relevant.
Cat-specific comparison
Dental, urinary and chronic conditions deserve a closer look
These are not reasons to select one insurer automatically. They are reasons to read the policy fields carefully.
Compare the benefit, then compare the fine print.
Cornell notes that dental disease is common in cats and that lower urinary tract disorders are a frequent reason for veterinary visits. Older cats also face a higher prevalence of chronic kidney disease.
For insurance purposes, what matters is whether the condition is covered, excluded, subject to a waiting period, limited by prior history or affected by a plan-specific benefit rule.
Compare provider coverage structures →Cat insurance FAQ
Questions to answer before you buy
Accident-and-illness policies generally cover eligible veterinary treatment tied to covered accidents and illnesses. Exact benefits vary by provider and selected plan.
It can, when the urinary condition is eligible under the policy and is not excluded as pre-existing or otherwise restricted. The provider's policy language controls.
Some plans include eligible dental illness or injury, while others have narrower definitions, exclusions or optional benefits. Dental coverage is worth comparing directly.
Many providers accept older cats, but enrollment-age rules and medical-history considerations differ. Check current eligibility directly with the insurer.
Ready to compare cat insurance?
See all seven providers side by side, then narrow the comparison around the features that matter to you.
Research context
Industry figure: North American Pet Health Insurance Association, State of the Industry 2026. View source
Feline health context: Cornell Feline Health Center, including feline dental disease, lower urinary tract disease and chronic kidney disease. View source