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 and his kitten, Cinnamon

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

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

    John'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.

    Patience'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.

    Sam'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, homeotherapy, chiropractic treatment and stem cell therapy 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

File a claim anytime from the Petplan Claims App - it's a fast, easy way to send claims right from your smartphone. See how it works.

There is a 15 day waiting period for injury and illness coverage and a 6 month exclusionary period for hip dysplasia and the knees. Learn how to get the knee exclusion waived.

No, there is no enrollment fee with Petplan.

Come join the pack

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