Cat Insurance Premium Calculator
Estimate monthly pet insurance premiums based on your cat's age, breed, location, and desired coverage level.
How old is your cat?
Some purebreds have higher health risks
Does your cat have any known health issues?
Insurance costs vary by region
Amount you pay before insurance kicks in
Percentage of vet bills covered after deductible
Understanding Cat Insurance Costs
Pet insurance helps protect you from unexpected veterinary costs. Our Cat Insurance Premium Calculator estimates monthly costs based on your cat's details and your coverage preferences, helping you find affordable protection.
Average Cat Insurance Costs
Cat insurance typically costs between $15-$50 per month ($180-$600 annually), depending on:
- Cat's Age: Premiums increase with age (senior cats can cost 2-3x more)
- Breed: Purebreds with known health issues cost more to insure
- Location: Urban areas typically have higher premiums
- Coverage Level: Accident-only is cheapest, comprehensive costs more
- Deductible: Higher deductibles mean lower monthly premiums
Types of Cat Insurance Coverage
- Accident Only: $10-$20/month - Covers injuries from accidents only
- Accident & Illness: $20-$40/month - Covers accidents, illnesses, and surgeries
- Comprehensive + Wellness: $40-$70/month - Includes routine care, vaccines, dental
How Pet Insurance Deductibles Work
Most pet insurance has an annual deductible - the amount you pay out-of-pocket before insurance kicks in:
- $100 Deductible: Higher monthly premiums, less out-of-pocket per incident
- $250 Deductible: Balanced option for most cat owners
- $500-$1,000 Deductible: Lower premiums, but higher costs if treatment needed
What Pet Insurance Covers
Typically Covered:
- Accidents and injuries
- Illnesses and infections
- Emergency care and hospitalization
- Surgery and specialist care
- Diagnostic tests (x-rays, bloodwork)
- Prescription medications
- Chronic conditions (if started before diagnosis)
Typically NOT Covered:
- Pre-existing conditions
- Routine/preventive care (unless wellness add-on purchased)
- Spaying/neutering (unless wellness add-on)
- Breeding or pregnancy
- Cosmetic procedures
Is Cat Insurance Worth It?
Pet insurance is valuable if:
- You can't afford a $1,000-$5,000 emergency vet bill
- Your cat is young and healthy (best to start early)
- You have a purebred with known health risks
- You want peace of mind for unexpected illnesses
Alternative: Some cat owners prefer to save $50-$100/month in an emergency fund instead of paying insurance premiums. This works best if you have discipline and your cat stays healthy.
💡 Pro Tip: Get insurance while your cat is young and healthy. Pre-existing conditions won't be covered, so enrolling early ensures maximum protection. Many providers offer discounts for insuring multiple pets or paying annually.