Cat insurance

While you've heard they have nine lives, cats aren’t immune to accidents and injuries. When you also consider the fact that insuring your cat early is the best way to avoid future exclusions for pre-existing conditions, pet insurance for cats is definitely worth it.

As early as possible! The earlier your kitty is insured, the longer they’ll be able to maintain insurance for emergencies*—and the more likely they’ll be able to trot through life without any exclusions for pre-existing conditions hanging over their furry heads. You can insure your kitten as early as eight weeks old.

Absolutely. ManyPets cat insurance covers illnesses as well as accidents, and indoor cats can certainly fall ill with costly health conditions like parasite infections and kidney disease.

Even mishaps like tail-pull injuries or eating toxic foods can happen in the home. Insuring your cat can save you a leg and a paw—even if they’ve seen little of the world beyond their scratching post.

ManyPets will reimburse you for the high costs of diagnosing and treating illnesses and injuries. This includes some very important things that many providers don’t cover, like hereditary conditions, dental illnesses, and virtual visits.

Great question, and the answer is: it depends on your budget and unique needs.

When you buy your policy, you’ll select an annual deductible amount and a reimbursement level percentage, both of which will affect your overall premium.

Your deductible is the initial amount deducted after the coinsurance is applied to covered items in a claim before you start getting reimbursed for coverage. A lower deductible means a somewhat higher premium, and vice versa. Unlike some insurance companies, we never use per-incident deductibles. So once you’ve met your annual deductible, it’s gone for the rest of your 12-month policy term.

Your reimbursement level amount is the percentage that you’ll be covered for on each qualified claim.  A higher reimbursement level amount means a somewhat higher premium.

You can also purchase our non-insurance Wellness plan which may help you pay for your cat's preventative care. It's a completely separate product and will not affect your insurance premium, but that's an additional cost to consider.

Pricing varies depending on multiple factors. To learn your cat’s price, just get a quote here.

Cat health insurance will reimburse you for health care costs related to illnesses and accidents. This includes diagnostics, surgeries, supplies, kitty meds, and many more items and services. Learn more about what insurance covers.

Cat insurance won’t cover a claim that’s not related to an accident or illness (though our wellness add-on does cover routine preventive care). Insurance also doesn’t cover claims filed during an initial waiting period. But unlike many other providers, we will cover your cat for a pre-existing condition so long as they’ve been free of symptoms and treatment for 18 months.

For a full look at what insurance doesn’t cover, visit this article.

You can pick any vet you want! Just FYI, most vets don’t work directly with insurance providers. Instead, you’ll just simply submit your claim directly to ManyPets, and we’ll directly reimburse you for your vet visit.

No, generally, we don’t cover spaying or neutering.

Unlike most insurance companies, ManyPets may sometimes cover treatment for pre-existing conditions if your pet has been free of symptoms, diagnosis, and treatment for 18 months (this is not a guarantee; see your plan for details). Of course, the easiest way to make sure pre-existing conditions are never an issue is to insure your cat when they’re young.

ManyPets insurance only covers vet costs related to accidents or illnesses.

However, ManyPets does offer an optional, non-insurance Wellness Plan, which can be purchased in addition to insurance. The plan reimburses routine and preventative care for pets, up to the plan's available limits.