How much is pet insurance for cats?

Key Takeaway
Pet insurance is important for cats as it does not cost a fortune. Read this comprehensive article by Homebody to learn more about how much pet insurance for cats costs.

You love your buddy so much, and as a responsible cat owner, you always want to provide the best care for your feline friend. 

In case you are unaware, pet insurance is a valuable tool that can offer financial protection and peace of mind regarding your pet’s healthcare expenses. 

The only question that stops you from purchasing this type of pet insurance is: How much does pet insurance for cats cost?

In this comprehensive guide from Homebody, you will learn the factors that influence the cost of pet insurance, discuss coverage options, and help you understand the price of pet insurance for your beloved feline companion. 

By the end, you'll be equipped with the knowledge to make an informed decision about insuring your cherished kitty. 

Plus, if you’re short on time (who has time to read when there are pet naps to take?), we’ve included an extensive FAQ section to help you find the exact answers you need. 

Are you ready to have a fun time? Let’s begin!

How Much Is Pet Insurance for Cats?

Cats enjoy more affordable coverage compared to dogs, making pet insurance worth it an accessible option for you as a cat owner.

Alternatively, an accident-only policy offers a budget-conscious option, averaging around $200 per year for cats (or $17/month). 

However, it's essential to consider that accident-only coverage won't cover illnesses like cancer or chronic conditions. 

To weigh your options, Homebody has an excellent platform for you to find the right fit for your feline friend's pet insurance needs. 

cats on counter
Photo by Dietmar Ludmann on Unsplash

A Simplified Guide to Understanding Cat Pet Insurance

Let’s delve into the factors that contribute to the costs of a pet insurance policy for cats:


Consider this annual limit the "subscription fee" you pay to your vet bill to keep your cat's insurance active. You can pay it monthly, every few months, or annually.


Like the "pay-before-play" rule, you'll have to cover a certain amount out of your pocket before the insurance kicks in to help with the bills.

Reimbursement Percentage 

When your cat needs medical care, the insurance company will "refund" you a percentage of the eligible expenses after you've met the deductible.


After meeting the deductible, you may still need to pay a percentage of the bill as a shared cost with the insurance provider.

Coverage Limits 

Just like your cell phone data plan has a limit, your pet insurance plan also has a maximum amount it will pay for specific treatments or conditions during a set period. You'll be responsible for the out-of-pocket costs if medical bills exceed this amount.

Veterinary Exam Fees 

Some plans might cover the check-up fees, while others won't. It's like paying for the doctor's visit before the insurance starts helping.

Waiting Periods 

Think of this as the "cooling-off period" when specific treatments or issues won't be covered immediately after you get the insurance.

Types of Coverage

Accident and Illness Coverage 

Full pet insurance coverage protects your cat from unexpected accidents and illnesses

It covers medical expenses resulting from accidents like fractures or cuts and costs related to infections, gastrointestinal issues, or skin conditions. 

Your cat's medical needs will be addressed, whether a minor injury or a severe illness.

Routine and Preventive Care 

Complete coverage plans often include optional coverage for routine and preventive care

It means that expenses for regular check-ups, vaccinations, flea and tick prevention, dental cleanings, and spaying/neutering procedures may be covered. 

Providing routine care is essential for maintaining your cat's overall health and well-being, and with full coverage, you can stay proactive in their care.

Prescription Medications 

The cost of prescription drugs can be an extensive burden on your pockets.

Full coverage pet insurance typically covers the cost of essential medications a veterinarian prescribes for your cat's specific health condition or treatment. 

From short-term antibiotics to long-term medications for chronic illnesses, you can rest assured that your furry companion's medical needs are taken care of.

Hereditary and Congenital Conditions 

Certain breeds of cats are prone to hereditary and congenital conditions, and these can lead to significant medical expenses

Coverage may include conditions such as heart disease, dental issues, and certain types of cancers more prevalent in certain breeds.

Full Coverage for Cats

Want the best policy money can buy? 

Full coverage pet insurance is the most comprehensive option to buy pet insurance available for cat owners

This policy includes accident and illness coverage, routine and preventive care, unlimited coverage for prescription medications, and hereditary and congenital conditions. 

With full coverage, you can have peace of mind knowing that your feline friend is protected from various health issues and medical expenses.

Optional Add-ons

Routine and Preventive Care 

Some plans offer optional add-ons for regular check-ups, vaccinations, and teeth cleaning, providing a wellness package for your cat.

Customizable Plans and Riders 

Remember, Homebody's pet insurance offers fully customizable plans and riders, allowing you to upgrade your policy as needed. 

Be sure to read the fine print to understand the coverage provided by different plans, just like reviewing the terms and conditions of an app before clicking "I Agree"! 

Do you understand?

All of the Factors Affecting the Cost of Pet Insurance for Cats

As you may have guessed, pet insurance for cats isn’t one-size-fits-all. 

After all, a delicate Siamese has different needs than a robust Maine Coon.

To give you an idea of what to expect for higher or lower pet insurance costs here, we’ll take a look at some of the critical factors that influence the cost of pet insurance for cats:

Your Cat's Age 

Your cat's age plays a role in determining the cost of pet insurance. 

Generally, younger cats have lower premiums on average pet insurance costs compared to older cats. 

Cats may become less immune to specific health issues as they age, which may increase the cost of insurance.

Your Cat's Breed 

Different cat breeds have varying predispositions to specific health issues. 

Some breeds may be more susceptible to genetic conditions or hereditary diseases, which can affect the cost of insurance.

Your Coverage Options 

The extent of the accident and illness plans and coverage you choose will affect the cost of pet insurance. 

Comprehensive plans with accident and illness coverage generally have higher premiums than accident-only plans. The same goes for custom plans with riders, as these must be added to your base coverage.

Your Location 

The cost of veterinary care average pet insurance can vary depending on your location. 

If you live in an area where veterinary services are generally more expensive, it may impact the cost of pet insurance.

Remember that your location may not be directly correlated to similar veterinary expenses. For example, metropolitan areas often have a multitude of vets to choose from. 

In contrast, rural and remote areas may require visiting vets specializing in your cat’s care–some of which may not be in your insurer’s provider network.

Your Insurance Company 

Different pet insurance companies offer varying rates and coverage options. To get the finest coverage at a reasonable price, it's key to assess quotes from various providers. 

But rest assured, you will get the best rate with Homebody.

What Does Insurance Do for a Cat (and Their Owners)?

Cat insurance offers numerous benefits for you and your furry friend. 

Here's what a pet insurance policy from Homebody can do for your cat:

Financial Protection 

Pet insurance provides financial protection for you as a cat owner by covering a portion of your cat's veterinary expenses. 

It helps manage unexpected costs and avoids the stress of paying large vet bills out of pocket.

Access to Quality Care 

Pet insurance lets you as a cat owner afford the best veterinary care for your furry friends without worrying about the costs. 

It ensures timely and necessary treatments, surgeries, medications, and medical interventions.

Peace of Mind 

Knowing that you have pet insurance gives you peace of mind, as it guarantees that you can provide your cat with the emergency care they need in case of accidents or illnesses. 

Peace of mind allows you to focus on your cat's well-being without financial worries. Who does not want this? I know you do. Why not choose Homebody right away?

Preventive Care 

Preventive treatment, such as immunizations, yearly exams, flea and tick prevention, and dental cleanings, are covered by certain pet insurance policies. 

This proactive approach helps prevent potential health issues and detect problems early on.

Why Was My Cat Turned Down for Pet Insurance?

Pet insurance for your buddy isn’t as exclusive as you might think. 

However, pet insurers may decline coverage or qualification for pet insurance for the following reasons:



Pre-existing conditions

The insurance company may decline coverage for that specific condition or reject the entire policy application if your cat has a pre-existing medical condition.

Breed restrictions

Certain breeds of cats, especially those with known hereditary health issues, may face breed-specific exclusions or higher premiums. See the chart below for common breed restrictions.


Some pet insurance providers have age restrictions and may not offer coverage to cats that are too young or old.

Medical history

A cat with a history of frequent illnesses or costly medical treatments may be considered a higher risk for the insurer, leading to a declined application.

Unhealthy lifestyle

Cats with a history of aggressive behavior or participating in high-risk activities may be denied coverage due to their increased likelihood of injuries.

Coverage area

Some pet insurance companies have geographical restrictions and may not offer coverage in certain regions.

Incomplete or inaccurate information

The insurer may only accept the application if the application form is filled out correctly or if essential medical information needs to be included.

Waiting periods

If your cat requires immediate medical attention or has an ongoing condition during the waiting period, coverage for those conditions may be denied.

Policy limitations

The specific policy you applied for may have limitations that don't align with your cat’s needs or the coverage you sought.

Breed Restrictions for Cats

As mentioned above, certain breeds of cats may be more prone to specific health conditions, affecting your premiums, deductibles, or whether you qualify for insurance. 

Here’s a breakdown of some cat breeds that may have higher insurance premiums due to pre-existing conditions:

Persian - Polycystic kidney disease, respiratory issues, dental problems

Maine Coon - Hypertrophic cardiomyopathy, hip dysplasia

Sphynx - Heat regulation issues, skin problems, dental issues

Ragdoll - Hypertrophic cardiomyopathy, bladder stones

Siamese - Respiratory problems, dental issues, certain eye conditions

Bengal - Predisposition to certain cancers, heart disease, hip dysplasia

Abyssinian - Progressive retinal atrophy, renal amyloidosis

Birman - Hypertrophic cardiomyopathy, polycystic kidney disease

Scottish Fold - Osteochondrodysplasia, joint issues, ear problems

Exotic Shorthair - Polycystic kidney disease, respiratory issues

You do not need to worry about all these because we have got you covered - Homebody, your home of pet insurance.

Enhancing Your Coverage with Homebody's Pet Insurance and Additional Services

At Homebody, we are dedicated to improving the renting experience for you as a cat owner and tenants alike. 

Our current and upcoming services range is designed to save money and provide flexibility and protection for everything you hold dear, mainly your beloved feline companions!

Beyond Pet Insurance: Additional Benefits for Cat Owners

Alongside our pet and dog insurance here, Homebody offers valuable supplements to enhance your renting journey:

  • Deposit Alternative: Bid farewell to hefty security deposits! Instead, opt for small insurance premiums (around $10/month) and save hundreds of dollars upfront.
  • Rent Credit Reporting: Effortlessly build your credit by paying a small monthly fee. Homebody reports your on-time rent payments to credit bureaus, offering a simple yet powerful way to boost your credit score.
  • Renters Insurance: Safeguard your belongings with ease. Our quick signup process (about seven clicks, under 5 minutes) allows you to be insured the day you move in, providing comprehensive coverage for your rental space. Enjoy peace of mind knowing your belongings are protected!

The Homebody Learning Hub: Empowering Cat Owners with Knowledge

At Homebody, we believe in empowering you as a cat owner with knowledge. Our website hosts many resources to find educational content on various topics. You deserve just the best and nothing short.

From renting and insurance to pet health and more, we want you to make informed decisions regarding anything cat insurance-related.

Bundling Your Insurance Needs for Comprehensive Coverage

You can benefit from the more extensive coverage and a seamless insurance experience by combining Homebody's renters' insurance with our other offerings.

Homebody strives to be your trusted insurance partner throughout your rental journey, from safeguarding your rental space to protecting your feline friends and vehicles.

The Future Looks Bright: Expanding Home and Pet Insurance Offerings

As we continue to grow as a reliable company, we have exciting plans to expand our insurance offerings to include home insurance, illness pet and pet health insurance association and plans, motorcycle insurance, jewelry insurance, and more. 

We aim to provide comprehensive coverage options catering to your unique needs and exotic lifestyle. By bundling multiple insurance policies with Homebody, you can simplify your insurance management, receive consolidated billing, and unlock additional discounts.

We are happy to be a valuable resource for pet parents and you, ensuring your renting experience is safer, more flexible, and exceptional, especially as a caring cat owner.


If you’ve gotten to this point, congratulations – you now have a comprehensive understanding of the insurance cost for your feline friend! That’s certainly something to gush about.

To take the next step, Homebody is at your service to put the best pet insurance companies within your paws in just a few clicks! 

Shop for a quote instantly, get the coverage your kitty deserves in minutes, and enjoy peace of mind today – all on Homebody’s easy-to-use platform!

Choose Homeboby today.

Frequently Answered Questions about Pet Insurance for Felines

Pressed for time but still want answers? We have got you. Well, you’re in for a treat: Homebody’s got you covered with these quick and easy FAQs!

How much does pet insurance for cats cost?

Regardless of the age, breed, coverage options, region, and breed of your cat, the cost of cat insurance can change. 

A cat accident and illness policy may cost around $387 per year or about $32 per month. Accident-only policies are more budget-friendly, averaging about $200 per year.

What are the average annual premiums for accident and illness coverage for cats?

The average annual premiums for accident and illness coverage for cats are approximately $387 per year, which translates to a cat insurance cost of around $32 per month. 

However, remember that actual premiums can vary based on various factors.

Are there more affordable options for pet insurance, like accident-only policies?

Yes, there are more affordable options for pet insurance, and accident-only policies are one such choice. 

These policies typically cover accident-related expenses but do not include coverage for illnesses. While they are more budget-friendly, they may need to provide more comprehensive coverage for your cat's health needs.

Which elements affect the price of cat pet insurance?

The age, breed, coverage options, region, and insurance provider you select might affect the price of cat insurance.  

Younger cats generally have lower premiums, while certain breeds predisposing to specific health conditions may have higher premiums.

How do premiums, deductibles, and reimbursement percentages work in pet insurance?

Premiums are your annual or monthly fees to keep your pet insurance active. Deductibles are the amount you must pay out of pocket before the insurance coverage starts. 

Reimbursement percentages determine the portion of eligible expenses the pet insurance company will refund you after meeting the deductible.

What is covered under full coverage pet insurance for cats?

Full coverage pet insurance typically includes accident and illness coverage, covering medical expenses resulting from accidents and illnesses. 

It can include treatments for injuries, infections, gastrointestinal issues, and skin conditions.

Does full coverage pet insurance include routine and preventive care?

Some complete coverage plans may offer optional add-ons for routine and preventive care. This coverage can include vaccinations, regular check-ups, flea and tick prevention, dental cleanings, and spaying/neutering procedures.

Are prescription medications covered under full coverage pet insurance?

Yes, full coverage pet insurance often includes coverage for prescription medications. This ensures that essential medications a veterinarian prescribes for your cat's health condition or treatment are covered without monthly premiums.

Does full coverage pet insurance include hereditary and congenital conditions?

Yes, many full-coverage pet insurance plans include coverage for hereditary conditions. These conditions may be more prevalent in certain breeds, leading to significant medical expenses.

What are the benefits of full coverage pet insurance for cats?

Full coverage pet insurance provides:

  • Comprehensive protection for your cat.
  • Offering financial support for accidents.
  • Illnesses.
  • Prescription medications.
  • Sometimes routine and preventive care. 

It gives you peace of mind, knowing they can provide the best care for your feline companion.

Are there any optional add-ons available for pet insurance?

Yes, of course. Some pet insurance companies offer optional add-ons that allow you to customize your policy to suit your cat's needs. These add-ons can include routine and preventive care, alternative therapies, and coverage for specific conditions.

Can I customize my pet insurance policy to fit my cat's needs?

Yes, that is right. Many pet insurance providers offer customizable plans and riders, allowing you to tailor the policy to your cat's needs. You can add optional coverage or choose a higher level of coverage based on your preferences and budget.

What breed-specific considerations should I be aware of for pet insurance?

Certain breeds of cats may have higher insurance premiums due to their predisposition to specific health conditions. Awareness of breed-specific considerations and exclusions that may apply to your cat's insurance policy is essential.

Can my cat be turned down for pet insurance?

Yes, your cat may be turned down for pet insurance for various reasons, such as pre-existing conditions, breed restrictions, age limitations, or the cat's medical history. It's essential to provide accurate information during the application process and be aware of potential exclusions.

How can I ensure my cat's application for pet insurance is approved?

To increase the chances of your cat's application being approved, provide complete and accurate information during the application process. Be aware of any pre-existing conditions or breed-specific considerations that may impact eligibility. Finding the finest coverage options for your cat can also be made more accessible by comparing prices from several insurance companies. And you can trust Homebody!

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