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Pet Cat Insurance

Overall, I found that Pet Cat Insurance is cheaper than Dog insurance. Sometimes only a few dollars or pounds a month!

Many companies offer Pet Cat Insurance specifically for indoor cats as they have different illnesses and afflictions that could affect them.

For example, an indoor cat that lives in a tall building might accidentally get out and jump off the balcony, while an outdoor cat could get hit by a car.Both are very serious and need treatment.

Unlike dog insurance that is very fussy with breeds, with many breeds that cost more to insure. To buy Pet Cat Insurance the company will ask you the breed of your cat, but I have only found one site that explained which breeds are the most expensive to insure.


According to Trupanion, (October 18, 2010) the five most expensive cats to insure are:

Siamese cats- they are an old breed- one of the first recognized cat breeds of the Orient of Southeast Asia. A very intelligent cat, with blue eyes, cream coloured body with brown, or grey tips. It is now one of the most popular cats in Europe and North America. There are several different kinds of Siamese cats. The average claim amount is 396.44 and 77% of the claims are related to illnesses.

Bengal cat- A wild looking cat with spots and stripes. They were created from breeding a domestic cat with the Asian Leopard cat. The average claim amount is 364.95 and 96% of the claims are related to illnesses.

Himalayan cat- is a cross between the Siamese and the Persian cat. They are sweet tempered, white or cream colored cats with brown or grey or cream tips. They are a long haired breed created from crossing a Persian with a Siamese. The average claim amount is 215.99 and 98% of the claims are related to illnesses.

Maine coon cats- are one of the larger cat breeds. Best described as a Large, long haired brown tabby (although they’re not always tabby). They are an intelligent cat and are one of the oldest natural breeds of cat in North America and one of the most popular breeds in the world! The average claim amount is 318.81 and 90% of the claims are related to illnesses.

Ragdoll cats- are laid back cats. A large, blue eyed, silky coated cat. They have a very easygoing personality and relax easily when picked up. Their breeding history is quite odd. The average claim amount is 277.70 and 93% of the claims are related to illnesses.




According to the Pets Best insurance company in the USA: Pregnancy can be covered for cats sometimes, however they do exclude some breeds as follows Cat Breeds: Himalayan, Persian.

This would lead me to assume that these cat breeds have complications with pregnancy.


Some Cat specific diseases or injuries are:

Feline Leukemia Virus- There is a vaccine available for this virus, but before the vaccine, it was the most common fatal disease of cats. It is very contagious to other cats, so make sure you get the vaccine early.

Feline Infectious Peritonitis(FIP)- is a virus that lives in the intestines. Some cats can have it, showing no signs their entire lives. For other cats, it will turn into FIP. If this happens, your cat may get upper respiratory infection (sneezing, watery eyes, nasal discharge), diarrhea, weight loss and lethargy. Usually Feline Infectious Peritonitis isn’t fatal. This virus is often found in houses with multiple cats.

Feline Immunodeficiency Virus- is pretty much Cat AIDs. It will not necessarily kill your cat, but it will decrease the strength of your cats immune system. May cats are symptom free for many years, but will often be diagnosed when your cat gets several other infections that include oral-cavity infections, upper respiratory infections, weight loss, ear infections or kidney disease. The virus is passed through saliva, often during a cat fight. There is no vaccine yet.

Feline Respiratory Disease Complex (FRDC)- this covers upper respiratory infections, (colds, flue) and feline pneumonia. It is a contagious bacteria infection passed from cat to cat. This is more common in kittens and older cats and has symptoms such as sneezing, congestion, discharge from eyes and nose, fever, shortness of breath.

Feline Urologic Syndrome (FUS) / Feline Lower Urinary Tract Disease (FLUTD)-A cat with these could have a bladder/ urethral stones or blockages. You may know they have this if they cry when they pee, or if they pee blood or puss, having a hard full bladder and constantly licking the genital area. IF this continues for too long, deadly toxins can build up inside its body and lead to uremic poisoning and be fatal if not treated within 48hrs.

Urinary Tract Infections (UTI)- have similar symptoms but usually affect males. Cystitis is an inflammation of the lining of the bladder. This can lead to FUS. If your cat has any trouble urinating, take them to the vet immediately.

High-Rise Syndrome- is when a cat living in a high rise jumps out off the balcony. Often, cats that fall from lower floors can have greater injuries than cats that fall from upper floors as they don’t have enough time to turn their body. But, if they get to a vet quickly there is a 90% survival rate if they fall from the second to the thirty second story! The injuries from a fall though, can be pretty serious and costly!

These are some of the medical conditions that are specific to cats, that could end up costing A LOT of money. With Pet Cat Insurance being so affordable it makes a lot of sense to check it out and see if you can afford it and pick the right plan for you.




Some things you will want to find out when looking for Pet Cat Insurance are:

Are they a lifetime insurer? Or a per condition insurer?

What does the Pet Cat Insurance cover? What is excluded?

Do they cover hereditary conditions?

Can you go to your regular vet?

Do they offer a specific coverage for indoor cats?

What is the co-payment and deductible?




Check out the companies and the quotes at the links below:

Canada Companies

Pet Insurance USA

UK Pet Insurance Companies






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