Cat Insurance

Coverage for COVID-19

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What is cat or kitten 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 kitten, to her senior years and beyond, Petplan has you covered.

How pet health insurance works

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1. Visit any vet

Keep your vet or select a new one, including a specialist.

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2. File your claim

Take photos of important documents and submit claims.

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3. Get reimbursed

Once approved, payments will be processed the next business day.

Cost of pet insurance for cats

Cat insurance costs will vary depending on several factors, but at Petplan, we keep things simple for cat owners. We offer flexible reimbursement options to meet your budget and cat's needs. Just take note of the following factors that may affect your pet insurance cost:

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Your cat's age

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Annual coverage

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Your cat's breed

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Reimbursement level

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Where you live

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Annual deductible

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Surprised cat with vet cone on

Sam & Winston

Winston was saved from inflammatory bowel disease, & Sam from the $2,878 vet bill.

Winston's vet bill

Vet bill


Sam paid


Petplan paid


John and David

John, David & Cinnamon

Cinnamon was saved from a kidney disorder, and John & David from the $1,388 vet bill.

Cinnamon's vet bill

Vet bill


John & David paid


Petplan paid


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Light brown cat with a drawing of a stethoscope

Why Petplan cat health insurance?

Protection for kittens & adults

Petplan covers viruses like COVID-19 in cats and reimburses up to $1,000 for online vet visits with no copay or deductible needed. We also cover boarding fees should you be hospitalized for four or more days.

We cover what other providers don't

Some providers limit enrollment for cats of a certain age, but Petplan protects kittens as early as 6 weeks with no age limit. All breeds are also covered for hereditary or chronic conditions, like diabetes or cancer.

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Cat parents love Petplan

Eric S.

Jessie the Tabby

Eric S.

Even though both cats are indoors only, we got Petplan early on. When Jessie was just 20-months-old, we found her hiding and vomiting. It turns out she had a ruptured bladder and required emergency surgery to live. We called Petplan to make sure the tests and surgery would be covered. It was such a relief to authorize the go-ahead. Once it was all said and done, the cost to save Jessie’s life was $5,075 and of that, Petplan reimbursed us $4,167.

Arielle E.

Freya the Domestic Longhair

Arielle E.

We had pet insurance before, but I thought we could do better. Petplan’s coverage was more inclusive and I liked that we could set our own coverage amount. Petplan also covered more when it came to accidents. You could tell everyone loves their job and that ultimately translated to the customer service we received. When something happens to your pet, you don’t want to worry about the cost. Pet insurance has been such a lifesaver for us with both of our fur babies.

What does cat insurance cover?


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Accidental 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.

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Diagnostic tests

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.

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Veterinary exam fees

The cost of any exam conducted by a licensed veterinarian—including emergency and specialty vets—to treat or diagnose an ill or injured pet.

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Prescription medications

Medications prescribed by your veterinarian as a treatment for an illness or accident are covered, including nutraceuticals. Vitamins and preventives are not covered.

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Imaging & ultrasound

Imaging deemed medically necessary by a licensed veterinarian to help diagnose or treat your pet, including MRI costs. CAT scans and ultrasounds are covered.

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Cancer treatments

Petplan is proud to offer coverage for veterinary oncology care and cancer treatments such as chemotherapy and radiotherapy.

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Non-routine dental treatments

Petplan will cover non-routine dental treatments such as broken teeth or periodontal disease provided your pet's teeth have been checked by a vet within 12 months of your policy's effective date of coverage and any recommended treatment was carried out.

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Surgery & rehabilitation

Any surgical procedures or rehabilitation prescribed by a licensed veterinarian as part of a treatment protocol and performed at a veterinary facility.

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Holistic therapies

Holistic therapies—such as veterinary acupuncture, homeopathic therapy and chiropractic treatment—are covered, provided the treatment is recommended and administered by a licensed vet.

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Referral & specialist treatment

All specialties including surgery, oncology, cardiology, ophthalmology, dermatology, dentistry and neurology are covered.

Not Covered

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Routine & wellness care

Unlike a wellness plan which covers routine care such as teeth cleaning, neutering/spaying and vaccinations, dog insurance pays you back for the unexpected care needed for injuries and illnesses.

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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.

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Pre-existing conditions

Like all pet insurance providers, Petplan cannot cover a medical condition which first occurred or showed clinical sign or symptoms before the effective date of your policy or during the policy waiting period.

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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.

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Liability coverage

Any costs associated with an injury to a person or property damage caused by a pet.

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Because pets are familySM

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