Cat Insurance

Coverage for all nine lives

What is cat health insurance?

You want your cat to be safe and healthy always, but accidents can happen at unexpected times. If they get sick or injured, cat insurance helps pay the vet bill. From the time she's a frisky kitty, to her senior years and beyond, Petplan has you covered.

There's a 33% chance your cat will need unexpected vet care this year.

Unexpected vet visit? Here’s how Petplan pet insurance works


Get treatment

Visit any licensed veterinarian in the U.S. or Canada. For those times when your cat thinks your shoelace is for dinner.


File a claim

Submit a pet health insurance claim online or from your phone with the Petplan app. Because less paperwork is the best kind


Be reimbursed

Look out for a wallet refill in around 5 to 14 days.

Note: Petplan, like most other pet insurance providers, does not cover routine and preventive visits, pre-existing conditions, or elective procedures.

What do I need to know before getting cat insurance?

At Petplan, we want to keep things simple for cat owners. We offer options that can flex according to your budget and pet's needs. Just take note of the following factors that may affect their pet insurance cost:

    • your cat's age
    • your cat's breed
    • where you live
    • your annual coverage
    • reimbursement level
    • annual deductible

See how much other cat parents saved with Petplan pet insurance

  • Meet John, David and their kitten, Cinnamon

    Their kitten was treated at the vet for a kidney disorder and the vet bill was $1,388.

    Petplan reimbursed $1,000; They only paid $388.

    Cinnamon's Petplan

      • Joined Petplan
      • 8 weeks ago
      • Coverage
      • $15,000
      • Location
      • Atlanta, GA
      • Deductible
      • $250
      • Breed
      • Domestic Shorthair
      • Plan Price
      • $25/mo
  • Meet Patience and her cat, Phinnley

    Her cat was treated at the vet for a urinary tract obstruction and her vet bill was $1,166.

    Petplan reimbursed $800; Patience only paid $366.

    Phinnley's Petplan

      • Joined Petplan
      • 2 years ago
      • Coverage
      • $25,000
      • Location
      • Denver, CO
      • Deductible
      • $500
      • Breed
      • Siamese
      • Plan Price
      • $24/mo
  • Meet Sam and her kitten, Winston

    Her kitten was treated at the vet for inflammatory bowel disease and her vet bill was $2,878.

    Petplan reimbursed $2,340; Sam only paid $537.

    Winston's Petplan

      • Joined Petplan
      • 11 months ago
      • Coverage
      • Unlimited
      • Location
      • New York, NY
      • Deductible
      • $250
      • Breed
      • Domestic Longhair
      • Plan Price
      • $29/mo

Why Petplan pet health insurance?

Protection for kittens + adults

Some providers deny coverage for older pets. Petplan provides cat insurance for pets as early as six weeks of age, with no upper age limit for enrollment.

Covered For Life®

While your policy options may change, including the amount of annual coverage, co-pay, deductible and premium, once your cat is protected by Petplan, we will never cancel your policy due to your pet’s age, health or claims history.

What cat insurance does (and does not) cover.

Accidents + injuries + illnesses

Petplan provides coverage for the reimbursement of veterinary fees due to injury and illness — including coverage for hereditary and chronic conditions as standard.

Diagnostic treatments

Laboratory and diagnostic testing, including specialized chemistry and blood work, are covered if they are part of treating or diagnosing a coverable injury or illness.

Veterinary exam fees

The cost of any exam conducted by a licensed veterinarian to treat or diagnose an ill or injured pet, including emergency and specialty care.

Prescription medications

Medications prescribed by your veterinarian as a treatment for an illness or accident are covered, including nutraceuticals. Vitamins and heartworm/flea and tick preventives are not covered.

Imaging - MRI, CAT scan, ultrasound

Imaging deemed medically necessary by a licensed veterinarian to help diagnose or treat your pet, including MRI, CAT scan and ultrasound, are covered.

Cancer treatments

Petplan is proud to offer coverage for veterinary oncology care and cancer treatments such as chemotherapy and radiotherapy.

Dental treatments (non-routine)

Petplan will cover non-routine dental treatments such as broken teeth or periodontal disease provided your pet has had its teeth checked by a vet in the 12 months prior to the effective date of coverage and any treatment recommended as a result of a veterinary check-up was carried out.

Surgery + rehabilitation

Any rehabilitation prescribed by a licensed veterinarian as part of a treatment protocol and performed at a veterinary facility.

Holistic therapies

Holistic therapies such as veterinary acupuncture, homeopathic therapy and chiropractic treatment are covered provided the treatment is recommended and administered by a licensed vet.

Referral + specialist treatment

All specialties including surgery, oncology, cardiology, ophthalmology, dermatology, dentistry and neurology are covered by Petplan.

Routine & wellness care

Unlike a wellness plan, which covers routine care such as teeth cleaning, neutering/spaying and vaccinations, cat insurance pays you back for the unexpected and costly care needed for injuries and illnesses.

Preventive care

Any treatment, service or procedure, including but not limited to physical examinations, medications, surgeries, inoculations or laboratory procedures for the purpose of prevention of illness or injury or for the promotion of general health, where there has been no injury or illness.

Pre-existing conditions

Like all pet insurance providers, Petplan cannot cover a medical condition which first occurred or showed clinical sign(s) or symptoms before the effective date of your policy or during the policy waiting period.

Cosmetic procedures

Elective or specialty procedures, including but not limited to tail docking, dewclaw removal, eyelash removal, ear cropping, spaying or neutering elective gastroplexy and more, unless requested by a veterinarian to treat a covered injury or illness.

Liability coverage

Any costs associated with an injury to a person or property damage caused by a pet.

Frequently asked questions

  • Cat insurance helps cover the cost of veterinary care when cats gets sick or injured. It reimburses you a portion of the total cost of vet bills for covered conditions according to your cat insurance policy terms and conditions. 

  • How much your cat insurance will cost depends on cat's age, breed, zip code and policy reimbursement options. Average monthly premiums for cat insurance average between $20-$100 per month. See here for more information about the cost of cat insurance.

  • Cat insurance covers the unexpected veterinary costs associated with the diagnosis and treatment of accidents, injuries and illnesses. It can cover vet bills for surgery, medications, rehabilitation and more. Read here for more detail about what cat insurance does and does not cover.

  • Whether or not cat insurance is worth purchasing depends on many factors including your cat’s hereditary breed risks and your financial commitment to their overall health care. If you need help with unexpected or costly vet bills, or would like the peace of mind of knowing your pet is covered, a plan is worth considering. Read more to find out if cat insurance is worth it for you.

  • The best cat insurance plan is one that provides comprehensive coverage for your kitty or senior cat at any age and gives you the confidence to pursue the best treatments regardless of cost. Discover the best cat insurance plan for you with our pet insurance provider comparison chart.


Come join the pack

Choose from different reimbursement options that fit you. But first, let’s get to know your pet.