Best Cat Insurance

Pumpkin's average cat insurance rate is $19 per month, 42% below the national benchmark. That's the second-lowest rate in our analysis, and you can pull it down even further with discounts for multiple pets or veterinary staff. The coverage doesn't cut corners on service quality, either.

Pumpkin leads in affordability for cat owners in these areas:

• Cat breeds most often cheapest for: Birman, Bombay, Devon Rex, Norwegian Forest Cat, Ragdoll, Savannah, Siberian, Snowshoe, Tonkinese
• States/Regions most often cheapest in:  
  • Northeast: CT, DE, NJ, NY, VT
  • Midwest: IL, KS, MI, MO, NE, SD
  • South: AL, AR, FL, GA, LA, OK, SC, TN, TX
  • West: AK, AZ, ID, NV

Cat owners who want straightforward financial protection without sorting through tiers and add-ons will find the simplified structure easy to work with. If you want more control over deductibles, reimbursement rates, annual limits and add-ons, though, Pumpkin's options will feel limited.

Here's a quick breakdown of Pumpkin's coverage options and terms.

Pumpkin's coverage isn't the most extensive, but its base plan includes behavioral treatment and alternative therapy alongside accidents and illnesses. Cat owners who want straightforward, reliable financial protection without spending time customizing tiers and add-ons will find its simplified structure easy to work with. 

That said, owners who want granular control over deductibles, reimbursement rates, annual limits and optional add-ons may find the options limited. Here’s a quick breakdown of Pumpkin’s coverage options and terms.

ASPCA is the cheapest cat insurance company in our study. At $18 per month on average, cat owners pay 44% below the national average, savings that add up to over $168 per year without downgrading coverage quality. This makes ASPCA a strong fit for those managing tight monthly budgets who still want hereditary and alternative therapy coverage included in the base plan. ASPCA also offers a multi-pet discount, which can push costs even lower for households with more than one cat.

Cat owners in these areas will find ASPCA is the most affordable option available:

• Northeast: MA, MD, ME, NH, PA, RI
• Midwest: IA, IN, KY, MN, MS, MT, ND, OH, WI
• South: NC, VA, WV, WY, DC
• West: CA, CO, HI, NM, OR, WA

Customer experience is ASPCA's clearest tradeoff: you get the lowest premiums, but the service quality ranks near the bottom across buying, claims and policy management. Billing and renewals, and app UX both rank last among all 18 providers, so routine tasks like updating payment methods or reviewing your policy require more patience than you'd get with higher-ranked competitors. 

The table below shows how ASPCA performed across all customer experience categories in our cat insurance analysis, including online reviews and direct testing by our team.

ASPCA ranks third for coverage overall, reflecting strong core inclusions and favorable policy terms that hold up well against pricier competitors. Behavioral treatment, alternative therapy and prescription pet food are all covered in the base plan, and the 14-day waiting period applies across accidents, illnesses and ligament or knee conditions, one of the shortest orthopedic waiting periods in our analysis, which matters for breeds like Maine Coons and Ragdolls with elevated joint risks. That said, its bilateral exclusion rule for ligament and knee conditions is worth knowing upfront: if one side is considered pre-existing, both sides are excluded from coverage.

See the table below for ASPCA's coverage options and terms.

Pets Best averages $23 per month for cat insurance, which is 27% below the national average. It ranks first for coverage options, so that price point delivers real value: you get the most comprehensive base plan at a cost well below what most competitors charge. It's a strong fit for owners of purebred cats who need hereditary condition coverage but want to avoid top-dollar premiums. The direct vet payment feature also helps during emergencies. Pets Best pays your veterinarian directly for covered claims so you don't have to front large bills while waiting for reimbursement.

Pets Best also leads in affordability for this area:

• Cat breeds most often cheapest for: Balinese, Bengal, Bombay, British Shorthair, Burmese, Chinchilla, Cornish Rex, Domestic Shorthair, Exotic Shorthair, Himalayan, Maine Coon, Munchkin, Persian, Russian Blue, Scottish Fold, Siamese, Sphynx

Pets Best ranks 14th overall for customer experience, a significant drop from its first-place coverage ranking. Price transparency is its clearest strength: you get clear cost information before committing to a policy. The weak spots are claims submission and onboarding. Enrolling and filing your first claim takes more effort than higher-ranked competitors require.

Review the full breakdown of how Pets Best performed across all customer experience categories in our cat insurance analysis, including online reviews and direct testing by our team.

Pets Best ranks first for coverage with a flexible policy structure, broad core inclusions and an unlimited annual limit option. Hereditary and congenital conditions are covered in the base plan. The three-day waiting period for injuries is one of the shortest available, which makes Pets Best a good fit for active cats or those in early post-adoption periods when accident risk runs high.

The policy has real tradeoffs. Alternative therapy, take-home medications and exam fees each require a separate add-on. The six-month waiting period for cruciate ligament conditions is also longer than the 14-day standard at ASPCA and Pumpkin.

Check Pets Best's coverage terms, waiting periods and policy options below.

Lemonade averages $29 per month, the highest rate in our top five but still 9% below the national average. For outdoor cats or recently adopted cats where accident risk runs highest in the first weeks, the no-waiting-period feature can make the higher monthly cost worth it. Lemonade also offers a multi-pet discount, which helps offset the higher base rate for households insuring more than one animal.

Lemonade ranks as the most affordable cat insurer in the following areas:

• Cat breeds most often cheapest for: British Longhair, Serengeti

Ranking 11th for customer experience, Lemonade's claims speed is its strongest individual category, which reflects the advantage of its digital-first platform for cat owners who want fast reimbursements after vet visits. Billing and renewals is also a bright spot, meaning there are fewer surprises when your policy renews or your payment processes. Where Lemonade falls short is price transparency, so cat owners comparing quotes may find the final cost less clear upfront than with higher-ranked competitors.

Check the table below to see how Lemonade performed across every customer experience category in our cat insurance analysis, including online reviews and direct testing by our team.

Lemonade ranks second for coverage, scoring well across policy flexibility and specialized coverage options. Its immediate accident coverage is a strong benefit for cat owners, especially those with newly adopted or outdoor cats where early accident risk is highest. However, the 30-day waiting period for orthopedic conditions is longer than the 14-day standard offered by ASPCA and Pumpkin, which is a notable drawback for breeds like Maine Coons or Ragdolls with elevated joint risks. Behavioral treatment, physical therapy and dental illness coverage all require purchasing separate add-ons, so cat owners who want those protections included from day one will pay more than the base premium suggests.

The table below breaks down Lemonade's coverage terms, waiting periods and available add-ons.

Figo's cat insurance rates come in 10% below the national average at $29 per month. That saving is modest compared to ASPCA and Pumpkin, but Figo's pricing becomes more attractive for military households once the military discount is applied, bringing the monthly cost down further. A multi-pet discount is also available, giving households with more than one cat an additional way to reduce their overall insurance costs.

Figo tops the affordability ranking for the following category:

• Cat breed most often cheapest for: Australian Mist

Figo ranks 13th overall for customer experience, but two categories are worth calling out in opposite directions. Claim submission ease ranks third and claims speed ranks eighth, so once you're past enrollment, the actual process of filing and getting paid moves quickly and with minimal friction. The problems show up earlier in the journey: price transparency and claims appeals both rank last, meaning cat owners may find it harder to understand what they're paying for upfront and have less recourse if a claim decision doesn't go their way.

Review Figo's performance across all customer experience categories in our cat insurance analysis, including online reviews and direct testing by our team, in the table below.

Figo's ninth place in our coverage ranking reflects a base plan that covers the essentials well but lacks the breadth and specialization of higher-ranked competitors. It's the only provider in our top five that offers a 100% reimbursement option, meaning eligible claims can be paid back in full with no out-of-pocket percentage on your end. Figo's six-month waiting period for orthopedic conditions is its main limitation, and cat owners who want behavioral treatment, alternative therapy or physical therapy coverage will need to purchase those separately through add-ons rather than finding them in the base plan.

Below are Figo's coverage terms, waiting periods and optional add-ons.