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The Best Pet Insurance Plans for Your Cats in 2022

As a cat owner, you want the very best for your furry baby. And since household insurance plans don’t cover feline friends, you’ve got to get your own pet insurance plan that’ll keep Fluffy safe and sound.

If you are about to get a cat for the first time, you may also want to ensure that you can provide them with the best possible healthcare. This will require having the right insurance for your new pet.

Pet insurance isn’t something most people think about until they need it. But if your pet gets sick or injured, it can cost hundreds or thousands of dollars to treat them, all the money that you may not have saved up for an emergency. It is essential to get the best pet insurance plan for your cats in 2022.

What Does Pet Insurance Cover?

Most plans offer coverage for medical care, including:

  • Vaccinations
  • Spaying and neutering
  • Emergency visits
  • Diagnostic tests, such as blood work and X-rays
  • Surgery, hospitalization, and rehabilitation

Why Should You Get Your Cat Pet Insurance?

Pet insurance is a must-have if you want to protect your cat. It can be expensive, but it’s worth it. A pet insurance policy may help you pay for emergency care or routine visits, as well as unexpected accidents and illnesses.

Best Pet Insurance Company Plans

With so many different companies providing pet insurance for cats, how do you know which are the best cat insurance plans? Well, we’ve got your back. Below is a list of the best pet insurance plans for your cats in 2022:

Nationwide Pet Insurance

Nationwide Pets Insurance is a pet insurance company that offers coverage for the treatment of illnesses and injuries. The company was founded in 1958, making it one of the oldest pet insurance companies in the United States. Nationwide Pets Insurance is a pet insurance company with an excellent reputation for customer service and claims processing. It’s a good idea to consider adding this to your pet insurance policy if you’re not already covered for accidents and illnesses.

The company provides coverage for accidents, illness, injury, or disease, including hereditary or congenital conditions. It also covers behavioral problems caused by trauma from abuse or neglect, sicknesses that result from accidents or injuries, as well as other diseases related to your pet’s health. The company also provides coverage for alternative therapies such as acupuncture, chiropractic care, and massage therapy.

Pet plans offered by Nationwide include its Major Medical plan, which is meant to cover for “major medical” expenses like chronic conditions, diagnostic and testing, surgeries, hospitals, prescriptions, and hereditary infections.

Nationwide Pet Insurance has access to Pet Rx Express, and it recommends preferred pricing on your pet’s prescription at Walmart and Sam’s Club pharmacies.

Nationwide Pet Insurance does not include:

  • Pre-existing conditions that happened before enrollment
  • Record keeping
  • Taxes
  • Experiments
  • Treatment not prescribed by the vet
  • Wellness cost

Embrace Pets Insurance

Embrace is a pet insurance provider that offers accident and illness coverage for cats. The company’s goal is to make it easy for pet parents to enjoy the peace of mind that comes with having their furry friends insured. It offers discounts for pet owners with many pets, people who have been in the military, whether current or former, and people who sign up as a workplace benefit.

Embrace offers two types of plans:

  • Accident only: Covers accidents only
  • Accident and Illness: Covers accidents and illnesses

The Accident Only Plan covers veterinary care for poisoning, bloats, cuts, and car accidents, while the Accident and Illness cover accidents and also medical illnesses, which include congenital conditions, dental diseases, chronic conditions, and cancer.

With Embrace Pet Insurance, you can get customizable reimbursement on veterinary care and prescriptions, including coverage for routine visits, heartworm testing and treatment, cancer treatment, prescription medication, dental care, and more.

Embrace does not cater for the following conditions:

  • Pre-existing conditions before enrollment
  • Cosmetic treatments
  • Breeding and pregnancies
  • Treatments related to nuclear war

Healthy Paws Pet Insurance

Healthy Paws Pet Insurance is a pet insurance company that offers coverage for cats. They provide various plans to choose from depending on your pet’s needs. Healthy Paws pet insurance is known for its excellent customer service and claims process.

Healthy Paws Pet Insurance was founded in 2009 as a nonprofit company created to assist pet owners and caregivers deal with the financial obligations of looking after their pets while helping animal rescue organizations care for sick animals.

Healthy Paws Pets Insurance offers a single plan for cats. It caters for illnesses, accidents, and injuries as well as cancer care, emergency care, breed-specific conditions, congenital and hereditary conditions. Healthy Paws also offers comprehensive medical illness and accident coverage, including alternative services like acupuncture and chiropractic care for your pets.

Healthy Paws does not provide coverage for some conditions such as:

  • Typical vet checkups
  • Vaccinations
  • Preventive care like dental cleanings
  • Pre-existing conditions before enrollment
  • Wellness checkups
  • Dental care
  • Preventative care

Trupanion Pet Insurance

Trupanion is the best pet insurance for pets such as cats, offering complete coverage for every stage of your pet’s life. Trupanion offers health insurance to keep your pet healthy, happy, and active. With Trupanion, you can rest assured knowing that you are protected with the most comprehensive coverage available on the market today.

Trupanion was founded in 1999 by Darryl Rawlings. They later expanded to the USA in 2005. The company has provided the highest quality services to its customers since then.

Trupanion offers one plan for accidents and illnesses, which include vomiting, diarrhea, broken bones, coughing and infections for, accidents and diabetes, thyroid disease, liver diseases, heart diseases, nervous system issues, and allergies for illnesses.

Trupanion offers two add-ons to its customers, which are Recovery and Complementary Care Rider, and it covers rehabilitative therapy, behavioral modifications, hydrotherapy, chiropractic care, and naturopathy and Pet Owner Assistance Package, which substitutes for third party property damage, advertising and offering rewards for lost cats, burial fees and vacation cancellation cost.

Trupanion excludes some conditions as:

  • Pre-existing conditions prior to the enrollment date
  • Transportation fees
  • Elective procedures
  • Training injuries
  • Breeding and pregnancies
  • Anal gland expressions


Lemonade is a pet insurance company that offers comprehensive plans for cats and other small animals. The company was founded in 2016. It is a fully licensed insurance company, and it underwrites its own policies.

Lemonade offers an accident and illness plan that covers both accidents and illnesses, which include injuries, broken bones, poisonings, sprains, cancer, heart diseases, skin conditions, and hip dysplasia. It covers the vet bills as a result of those conditions like hospitalization, lab work, surgery, emergency care, and prescription medications.

Lemonade also has some add-ons coverage like a vet visit fees add-on at $2-$5 monthly, which caters for the vet exam fees, Physical therapy add-ons at $1-$3 per month, which covers physical therapy treatments, and Preventative care add-ons which cater for a wellness examination, a fecal test, heartworm test, and dental cleaning.

Lemonade Insurance excludes services like:

  • Behavioral conditions
  • Elective procedures
  • Dental care for pets under two years
  • Preventable situations

ASPCA Pets Insurance

ASPCA pets insurance is a comprehensive health and wellness plan for your pet. It was established in 2006 through a partnership with the American Society for the Prevention of Cruelty to Animals and Crum and Foster Pet Insurance Group, which provided insurance policies to ASPCA. The United States Fire Insurance Company underwrote the policies.

ASPCA insurance plans include:

  • Accident Only Coverage Plan is the most affordable plan. It covers for injuries and emergencies resulting from accidents like cuts, broken bones, bite wounds, toxic ingestions, and torn ligaments. The plan covers for vet bills from the procedure, treatment, diagnosis, and examination fees paid after an accident.
  • Complete Coverage Plan, which covers for procedures, treatments, diagnosis, and exam fees related to the accidents in the Accident Only Plan, in addition to illnesses and other conditions. The conditions include hip dysplasia, heart diseases, cancer, arthritis, UTIs, behavioral disorders, and digestive issues.

ASPCA also provides you with add-ons which are Basic Preventative Care and Prime Preventative care to their plans for routine care coverage.

ASPCA Insurance Plan does not cater to conditions such as:

  • Conditions that occurred before or during the policy waiting period, which takes 14 days
  • Cosmetic surgeries
  • Elective procedures
  • Anal Gland expressions
  • Breeding, pregnancies, and giving birth
  • Boarding

Figo Pet Insurance

Figo is a market leader in pet insurance, providing cover for pets such as cats at home, on holiday, and abroad. Figo was founded in 2013, and its plans are covered by Independence American Insurance Company, Markel Insurance Company, and Markel American Insurance Company.

Figo offers accidents and illnesses coverage plans which are categorized into three plans depending on the deductible limit you choose: the Essential Plan with an annual limit of $5,000, the Preferred Plan with an annual limit of $10,000, and an Unlimited Plan with unlimited benefit coverage.

Figo has an optional coverage plan which covers vet exam fees related to a covered accident and injury. It also offers an optional wellness add-on for the plans, and it covers conditions such as bloodwork, vaccines, and heartworm protection.

Figo also offers a Pet Cloud app which makes it possible for you to communicate with a vet at any time, search for pet owners near you, share pictures, plan pet play dates, and explore pet parks. It also allows you to find dog walkers, receive your cat’s health remainder and upload medical records. You are allowed for access to get access to the Pet Cloud App once you purchase a Figo Pet Insurance Plan.

Figo does not cater to the following procedures:

  • Pre-existing conditions which are contracted before your policy effective date
  • Experimental procedures
  • Cosmetic surgery procedures
  • Cloning procedures and cloned cats
  • Breeding, pregnancies, nursing, or giving birth

Pumpkin Pet Insurance

Pumpkin pets insurance is a pet insurance provider which offers some of the best pet insurance plans. It is one of the most trusted names in the pet insurance industry, thanks to its innovative and customer-friendly policies. So if you are looking for an affordable pet insurance plan that covers all your needs, then look no further than Pumpkin pets insurance.

The company offers various types of pet insurance plans that are designed to meet the requirements of cats and other pets. It offers an accident and illness plan, which covers illnesses such as digestive issues and ear infections, accidents like orthopedic injuries and swallowed objects, vet examination fees, surgeries, cancer conditions, dental illnesses, emergency visits, and hospitalizations.

Pumpkin Pets Insurance also provides an optional wellness package known as the Preventive Essentials, which caters to the health and wellness needs like annual wellness fees, vaccinations, fecal examinations, and heartworm disease tests.

Pumpkin Pet Insurance does not cover some conditions like:

  • Pre-existing conditions that occurred before your effective policy date or during the waiting period
  • Experimental treatment
  • Costs as a result of breeding, pregnancy, nursing, or whelping
  • Funeral services like caskets, urns, memorial items, and burial plots
  • Dental cleanings that are not covered by your policy

To sum up

In the end, it will be up to you to look at all of your options to find the right pet insurance plan for you and your cats. The factors that you will want to take into account are numerous, and by looking at each factor, the above list will give you a better idea of what your needs are and how best to fill them. Finding the best insurance plan for your cat in 2022 is a great way to protect yourself from heartbreak when your furry friend becomes sick or gets injured.

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