MoneyGeek picks Lemonade as the best pet insurance for cats due to its affordable rates and strong customer service. We also recommend Pumpkin, Spot, Rainwalk and Pets Best as solid alternatives for pet owners looking for cat insurance.
Best Pet Insurance for Cats
Updated: October 9, 2025
Advertising & Editorial Disclosure
Best Pet Insurance for Cats: Key Takeaways
Based on MoneyGeek’s analysis, Lemonade is the best overall pet insurance company for cats, earning a score of 4.25 out of 5.0.
Pumpkin offers the cheapest cat insurance nationwide, at an average of $20 monthly.
Getting the best value for cat insurance involves comparing multiple quotes, reading company reviews and understanding the fine print before buying coverage.
What Are the Best Pet Insurance Companies for Cats?
| Lemonade | 4.25 | $271 | 3 | 6 |
| Pumpkin | 4.15 | $238 | 3 | 11 |
| Spot | 4.1 | $284 | 2 | 8 |
| Rainwalk | 3.9 | $359 | 1 | 4 |
| Pets Best | 3.9 | $329 | 5 | 2 |
Best Pet Insurance for Cats by State
Lemonade ranks as the best cat insurance provider in 41 states, based on our analysis. Pumpkin leads in six states, while Spot offers the best coverage in three states.
| Alabama | Lemonade | $199 |
| Alaska | Pumpkin | $232 |
| Arizona | Lemonade | $330 |
| Arkansas | Lemonade | $182 |
| California | Lemonade | $343 |
| Colorado | Lemonade | $341 |
| Connecticut | Lemonade | $310 |
| Delaware | Lemonade | $273 |
| Florida | Lemonade | $307 |
| Georgia | Lemonade | $245 |
| Hawaii | Lemonade | $274 |
| Idaho | Pumpkin | $238 |
| Illinois | Lemonade | $336 |
| Indiana | Lemonade | $246 |
| Iowa | Lemonade | $228 |
| Kansas | Spot | $246 |
| Kentucky | Pumpkin | $189 |
| Louisiana | Lemonade | $218 |
| Maine | Pumpkin | $289 |
| Maryland | Lemonade | $266 |
| Massachusetts | Lemonade | $350 |
| Michigan | Lemonade | $272 |
| Minnesota | Lemonade | $281 |
| Mississippi | Lemonade | $231 |
| Missouri | Lemonade | $214 |
| Montana | Lemonade | $227 |
| Nebraska | Lemonade | $245 |
| Nevada | Lemonade | $281 |
| New Hampshire | Lemonade | $315 |
| New Jersey | Lemonade | $307 |
| New Mexico | Lemonade | $239 |
| New York | Lemonade | $295 |
| North Carolina | Lemonade | $242 |
| North Dakota | Lemonade | $208 |
| Ohio | Lemonade | $249 |
| Oklahoma | Lemonade | $227 |
| Oregon | Lemonade | $337 |
| Pennsylvania | Lemonade | $282 |
| Rhode Island | Lemonade | $236 |
| South Carolina | Lemonade | $266 |
| South Dakota | Pumpkin | $211 |
| Tennessee | Lemonade | $251 |
| Texas | Lemonade | $287 |
| Utah | Lemonade | $259 |
| Vermont | Pumpkin | $222 |
| Virginia | Lemonade | $290 |
| Washington | Lemonade | $312 |
| West Virginia | Spot | $234 |
| Wisconsin | Lemonade | $291 |
| Wyoming | Spot | $251 |
Lemonade
Best Overall
MoneyGeek Rating
4.3/ 5
4.6/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$23Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-On
Non-chronic pre-existing conditions covered after 12 symptom-free months
What Are the Cheapest Pet Insurance Companies for Cats?
Our research found Pumpkin offers the cheapest pet insurance for cats at $20 monthly ($238 annually). Lemonade, Hartville, Spot and Figo also provide affordable options, with monthly premiums ranging from $23 to $25.
| Pumpkin | $20 | $238 | 37% |
| Lemonade | $23 | $271 | 28% |
| Hartville | $23 | $277 | 27% |
| Spot | $23 | $284 | 25% |
| Figo | $25 | $297 | 22% |
Cheapest Pet Insurance for Cats by State
Pumpkin provides the cheapest cat insurance in all 50 states. Its average rates are lowest in Arkansas at $13 monthly and highest in Massachusetts at $26 monthly.
| Arkansas | Pumpkin | $13 | $160 |
| Alabama | Pumpkin | $15 | $175 |
| North Dakota | Pumpkin | $15 | $183 |
| Missouri | Pumpkin | $16 | $188 |
| Kentucky | Pumpkin | $16 | $189 |
| Louisiana | Pumpkin | $16 | $192 |
| Montana | Pumpkin | $17 | $200 |
| Oklahoma | Pumpkin | $17 | $199 |
| Iowa | Pumpkin | $17 | $200 |
| Mississippi | Pumpkin | $17 | $203 |
| West Virginia | Pumpkin | $17 | $206 |
| Rhode Island | Pumpkin | $17 | $207 |
| New Mexico | Pumpkin | $18 | $210 |
| South Dakota | Pumpkin | $18 | $211 |
| North Carolina | Pumpkin | $18 | $212 |
| Georgia | Pumpkin | $18 | $215 |
| Indiana | Pumpkin | $18 | $216 |
| Nebraska | Pumpkin | $18 | $215 |
| Kansas | Pumpkin | $18 | $216 |
| Ohio | Pumpkin | $18 | $219 |
| Tennessee | Pumpkin | $19 | $220 |
| Wyoming | Pumpkin | $19 | $221 |
| Vermont | Pumpkin | $19 | $222 |
| South Carolina | Pumpkin | $19 | $226 |
| Utah | Pumpkin | $19 | $227 |
| Alaska | Pumpkin | $20 | $232 |
| Maryland | Pumpkin | $20 | $234 |
| Idaho | Pumpkin | $20 | $238 |
| Michigan | Pumpkin | $20 | $239 |
| Delaware | Pumpkin | $20 | $240 |
| Hawaii | Pumpkin | $20 | $241 |
| Nevada | Pumpkin | $21 | $247 |
| Minnesota | Pumpkin | $21 | $247 |
| Pennsylvania | Pumpkin | $21 | $248 |
| Texas | Pumpkin | $21 | $252 |
| Virginia | Pumpkin | $21 | $255 |
| Wisconsin | Pumpkin | $22 | $256 |
| New York | Pumpkin | $22 | $259 |
| New Jersey | Pumpkin | $23 | $270 |
| Florida | Pumpkin | $23 | $270 |
| Connecticut | Pumpkin | $23 | $272 |
| Washington | Pumpkin | $23 | $274 |
| New Hampshire | Pumpkin | $23 | $277 |
| Maine | Pumpkin | $24 | $289 |
| Arizona | Pumpkin | $24 | $290 |
| Illinois | Pumpkin | $25 | $295 |
| Oregon | Pumpkin | $25 | $296 |
| Colorado | Pumpkin | $25 | $300 |
| California | Pumpkin | $25 | $302 |
| Massachusetts | Pumpkin | $26 | $307 |
Pumpkin
Cheapest Overall
MoneyGeek Rating
4.2/ 5
5/5Affordability
4.4/5Customer Experience
1.7/5Coverage Options
Average Monthly Rate
$20Overall Reddit Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-On
Curable pre-existing conditions covered after 180 symptom-free days
How Much Is Pet Insurance for Cats?
On average, pet insurance costs $29 monthly or $347 annually for cats. These rates reflect quotes for a 7-year-old Ragdoll with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
| $29 | $347 |
What Factors Affect Cat Insurance Costs?
Cats cost less to insure than dogs because they experience fewer health risks. Several factors determine how much you'll pay for cat insurance.
Breed
Your cat's breed influences insurance rates because some breeds have higher health risks. Based on our analysis, Domestic Shorthairs cost about $54 monthly to insure, while Abyssinians average $74 monthly. Purebred cats with known genetic conditions often have higher premiums than mixed breeds because they often require expensive treatments.
Age
Pet insurance costs increase as cats get older and experience more health issues. Our study found that kittens under 1 cost around $19 monthly to insure, while 20-year-old cats average $108 monthly.
Location
Where you live affects your premiums because veterinary costs and claim frequency vary by state. Urban areas with higher vet costs result in more expensive insurance than rural locations. State regulations also impact how pet insurers price policies.
Coverage selections
Your deductible, reimbursement rate and annual limit directly impact your premium. Higher deductibles and lower reimbursement rates reduce monthly costs, while unlimited coverage increases premiums. Adding wellness coverage or lowering your deductible also raises your monthly payment.
How to Get the Best Cheap Pet Insurance for Cats
Finding affordable cat insurance doesn't mean sacrificing quality coverage. Follow the steps below to get the best financial protection for your cat within your budget.
- 1
Know what coverage you need
Start by assessing your cat's health risks based on breed, age and medical history. Healthy young cats may only need basic accident and illness coverage, while older cats benefit from higher annual limits. Skip add-ons like optional wellness plans if you can budget for routine vet visits.
- 2
Compare multiple providers
Get quotes from at least three to five insurers to compare rates using the same deductible, annual limit and reimbursement rate. The same coverage can differ by hundreds of dollars annually among insurers, so use quote tools to see which one offers the best value for your cat's specific profile.
- 3
Look out for reviews and recommendations
Check customer reviews on Trustpilot and Reddit to see how pet insurers handle claims and customer service. Pay attention to complaints about claim denials or slow reimbursements, not just positive ratings. You can also ask your vet which insurers their clients have had good experiences with.
- 4
Read the fine print
Review a sample policy before buying to check waiting periods, pre-existing condition rules and what's excluded. Some insurers don't cover breed-specific conditions or stop accepting cats past certain ages.
- 5
Review annually
Check your coverage yearly as your cat gets older. Senior cats often need higher annual limits or reimbursement rates because they visit the vet more often. Adjust your policy to match your current budget and your cat's health care costs.
What Is the Best Pet Insurance for Cats: Bottom Line
Lemonade is MoneyGeek's pick for the best pet insurance for cats, balancing affordability and service quality. If you're focused on price, Pumpkin has the lowest cat insurance rates at $20 monthly on average. As always, compare quotes from multiple insurers, check customer reviews and review policy exclusions before buying to ensure you're getting the best coverage for your cat's specific needs.
Best Pet Insurance Cats: FAQ
We’ve addressed frequently asked questions about the best pet insurance for cats below:
What is the best pet insurance for cats?
Lemonade is the best pet insurance for cats, earning a MoneyGeek score of 4.25 out of 5.0. The company balances affordable premiums with strong customer service ratings and offers various coverage options to customize your policy.
What is the cheapest pet insurance for cats?
Pumpkin offers the cheapest cat insurance at $20 monthly ($238 annually) on average. The company provides the lowest rates in all 50 states, ranging from $13 monthly in Arkansas to $26 monthly in Massachusetts.
How much does pet insurance for cats cost?
Cat insurance costs $29 monthly or $347 annually on average, based on a 7-year-old Ragdoll profile with a $500 deductible, $5,000 annual limit and 80% reimbursement rate. Your specific premium depends on your cat's breed, age, location and the coverage options you select.
Does pet insurance cover pre-existing conditions for cats?
Most pet insurance doesn't cover pre-existing conditions, which are health issues that developed before enrollment or during the waiting period. However, Lemonade and Pumpkin offer curable pre-existing condition coverage if your cat remains symptom-free for a specific period, with Lemonade requiring 12 months and Pumpkin requiring six months.
Which cat breeds are most expensive to insure?
Purebred cats with genetic health conditions often have higher premiums. Persians usually need treatment for breathing problems, while Maine Coons are prone to heart disease. Mixed-breed cats cost less to insure because they experience fewer breed-specific health issues.
Can I get pet insurance for multiple cats?
You can insure multiple cats with the same provider. Each cat needs a separate policy with its own premium, deductible and coverage limits. Contact insurers directly to ask about multi-pet insurance discounts, as pricing varies by company.
How We Found the Best and Cheapest Pet Insurance for Cats
MoneyGeek analyzed 20 major pet insurance providers across the United States to identify the best and cheapest cat insurance. We focused our analysis on three key areas, mainly affordability, customer experience and coverage details.
We gathered quotes using a standard 7-year-old Ragdoll profile with a $5,000 annual limit, 80% reimbursement rate and $500 deductible to ensure fair comparisons when collecting quotes.
How We Rate Each Provider
Affordability (50% of total score): We gathered quotes for cats across all 50 states and compared each provider's rates against competitors in the same location. Discounts received minor consideration in this metric, as variation between companies is minimal.
Customer experience (30% of total score): We collected customer ratings from Trustpilot and analyzed Reddit comments to calculate satisfaction scores. This metric reflects real policyholder experiences with claims processing, customer service and overall satisfaction.
Coverage options (20% of total score): We reviewed complete policy contracts for every provider in each state, evaluating add-on options, coverage inclusions, exclusions and restrictions. Pet insurance regulations vary significantly by state, so coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.