Is Pet Insurance Cheaper For Cats?


As a pet owner, you want to make sure your furry friend gets the best possible treatment in the event of an illness or injury. Pet insurance is a great way to cover unexpected veterinary expenses and ensure your pet is treated quickly.

You may be wondering if pet insurance is more affordable for cats than for other pets as a cat owner.

In this article, we’ll look at Is pet insurance cheaper for cats? and compare it to that of other pets.

Is pet insurance cheaper for cats?

First of all, it is important to understand what pet insurance covers. Pet insurance covers the cost of accidents, illnesses, and routine treatments. Pet insurance policies are usually flexible, so you can choose the coverage that fits your pet’s needs and your budget. Pet insurance can cover everything from routine checkups to surgeries, medications and hospital bills.

We compare pet insurance prices for dogs and cats. The average price of pet insurance for cats is generally lower than for dogs. That’s because cats are generally considered less risky than dogs. This is because cats are generally healthier, have fewer genetic health problems, and are less prone to accidents.

Cats are also smaller than dogs, which means medical procedures and medications can be cheaper. In addition, cats tend to live indoors, which reduces their risk of contracting infectious diseases and other illnesses.

When purchasing insurance for pets, it’s important to consider deductibles, premiums and maximums. The deductible is the amount you must pay before the insurer will reimburse you.

The premium is the amount you pay each month or year for insurance, and the policy limit is the maximum amount the insurer will pay for covered expenses.

Most pet insurance companies offer a range of policies that you can choose from depending on your budget and your pet’s needs. The cost of pet insurance for cats can range from $10 to $50 per month, depending on the coverage you choose.

Which breed of cat is the cheapest to insure?

It may be cheaper to insure cat breeds that have fewer health problems and a lower risk of accidents and injuries. Here are some cat breeds that are less expensive to insure:

Mixed breed

Mixed breed cats, also known as domestic cats or domestic cats with long hair, can be a good choice for those looking for a cat that is less expensive to insure. Mixed-breed cats may have different genetic backgrounds and are therefore less prone to breed-related health problems.

Since mixed-breed cats can have different backgrounds, it is important to pay attention to their overall health and well-being. Regular vet visits and preventative care will help maintain the cat’s health and reduce the risk of unexpected vet bills. It will cost $30 per month to insure a nixed-breed cat


Siamese cats are generally considered the healthiest cats with a life expectancy of 15 to 20 years, making them less expensive to insure than other breeds. In addition, Siamese cats are usually companion cats, which can reduce the risk of accidents and injuries.

It should be noted, however, that Siamese cats can be prone to certain health issues, such as dental problems, respiratory problems, and eye problems. These problems can drive up the cost of pet insurance for Siamese cats. The average premium for Siamese cats is about $30 per month.


Sphynx cats, known for their hairlessness, are generally healthy cats with few breed-related health problems. They also tend to be indoor cats, which can reduce the risk of accidents and injuries.

Insurance for Sphynx cats is less expensive than for other breeds, but it is important to find a policy that provides comprehensive coverage for the cat’s individual needs. Insuring a Sphynx costs only $7 per month.


Exotic-shorthair cats, also known as “short-haired Persians,” are a cat breed that is less expensive to insure. They are known for their round faces and short, fluffy coats, making them an attractive breed for many cat owners. Exotic shorthair cats are generally healthy and have fewer health problems than long-haired Persian cats.

The average monthly fee for an exotic shorthair cat is around $29.58.


The Bombay cat, known for its black coat and orange eyes, is generally considered a healthy cat, so insurance may be less expensive. These cats are intelligent, playful, and affectionate, making them a popular choice for many cat owners. The average cost for a Bombay cat is $25.73 per month.

It is important to note that the cost of insurance depends on several factors, such as the age and health of the cat, where you live, and the level of coverage you choose. Before purchasing pet insurance, research and compare policies from different providers to find the best coverage for your budget and your cat’s needs.

Best pet insurance companies for cat

There are many insurance companies that offer coverage for cats, and each has its strengths and weaknesses. Here are some of the best cat insurance companies:

Healthy Paws: Healthy Paws offers comprehensive cat insurance coverage with no caps, meaning you can claim as much as you want for covered treatments. Claims processing is also quick and easy, with a 99% approval rate.

Petplan: Petplan offers customized coverage options, including coverage for chronic conditions and alternative therapies. Petplan also offers a lifetime coverage guarantee for pets enrolled before age 6.

Trupanion: Trupanion offers a simple plan that covers accidents, illnesses and hereditary conditions. It also offers a 90% reimbursement rate and a deductible that is paid once per illness.

Embrace: Embrace offers accident, sickness and wellness coverage, as well as the ability to customize the policy with optional add-ons. In addition, Embrace offers a healthy pet deductible that reduces the deductible for each year that no claim occurs.

Nationwide: Nationwide offers comprehensive cat insurance that covers accident, sickness and well-being. You can also purchase insurance for hereditary diseases, behavioral problems, etc.

It’s important to compare insurance policies from different providers to find the one that best fits your cat’s individual needs and budget. Factors such as your cat’s age and health, where you live, and the extent of coverage can affect the price of insurance.

Does cat insurance make sense?

Pet insurance can be a good investment for cat owners, as it provides peace of mind and helps pay for unexpected veterinary expenses. While some people consider pet insurance an unnecessary expense, it’s important to consider the potential costs of accidents or illnesses that may occur during a cat’s life.

Pet insurance can cover the cost of routine treatments, such as vaccinations and checkups, as well as unexpected veterinary expenses, such as emergency treatment and treatment for illness or injury. With pet insurance, it’s often possible to choose the level of coverage that best suits your needs and budget.

Pet insurance can also offer other benefits, such as access to 24-hour veterinary care, coverage for alternative therapies, and even coverage for lost or stolen pets.

However, it’s important to carefully research and compare pet insurance policies from different providers to find the best coverage for your cat’s needs and your budget. Factors such as your cat’s age and health, where you live and the level of coverage you choose can affect the cost of insurance.

Is pet insurance cheaper for cats? Conclusion:

Pet insurance can be a worthwhile investment for cat owners who want to protect the health and well-being of their furry friend by ensuring that unexpected veterinary expenses don’t become a financial burden.

In short, cat insurance is often less expensive than insurance for other pets, such as dogs. However, the cost of pet insurance can vary depending on the level of coverage and the needs of the pet. Be sure to compare policies and prices from different insurance companies to find the best deal for your furry friend.

With the right insurance, you can make sure your cat gets the medical care it needs without the costs getting out of hand.

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