Best Cat Insurance Companies of 2026 | VETX

Cats have different insurance needs than dogs — they're less prone to orthopedic injuries but face significant risks from kidney disease, hyperthyroidism,

Best Cat Insurance Companies of 2026 — Rankings by VETX.

Top picks for cat owners, considering feline-specific health needs

Cats have different insurance needs than dogs — they're less prone to orthopedic injuries but face significant risks from kidney disease, hyperthyroidism, and cancer. Our cat-specific rankings reflect these unique considerations.

Rankings

#1 Healthy Paws Pet Insurance — Best for Cats Overall. Unlimited payouts for chronic conditions like kidney disease — the #1 health concern for aging cats.

#2 Lemonade Pet Insurance — Best Budget Cat Insurance. Cat premiums starting at $15/month with optional wellness coverage for routine care.

#3 Embrace Pet Insurance — Best for Senior Cats. Diminishing deductible and wellness coverage support aging cats' increasing health needs.

#4 Trupanion Pet Insurance — Best for Purebred Cats. Per-condition deductible is ideal for breeds prone to hereditary conditions like HCM.

#5 Pets Best Insurance — Best Value Cat Insurance. Low premiums starting at $18/month with the industry's lowest $50 deductible option.

#6 Figo Pet Insurance — Best for Indoor Cats. 100% reimbursement and excellent app make Figo ideal for indoor cat owners who want full coverage.

#7 Spot Pet Insurance — Best for Multi-Cat Homes. 10% multi-pet discount with customizable plans for each cat's unique needs.

#8 ASPCA Pet Health Insurance — Most Trusted for Cats. The ASPCA brand and competitive cat premiums make it a trusted choice for feline owners.

#9 Nationwide Pet Insurance — Best Wellness for Cats. Included wellness coverage and no age limit make Nationwide solid for routine feline care.