Yes — there are several pet‑insurance providers that will cover cats, and your vet will generally accept insurance reimbursement regardless of the provider (as long as you pay the vet first and submit a claim). [1]

Here are a few options and important things to check:

✅ Providers to consider

Embrace (via GEICO Insurance Agency) – Their cat plans cover accidents and illnesses (not routine care) and you can use any licensed vet. [2]
Healthy Paws – Covers new injuries & illnesses, diagnostics, surgery, etc., and you can go to any vet in the US or Canada. [3]
Pumpkin – Known for comprehensive accident & illness cover + an optional wellness/preventive package. [4]
ASPCA Pet Health – Offers plans that include hereditary/breed‑specific conditions in some cases and options for preventative care. [5]
AKC Pet Insurance – Customizable coverage, you keep your vet, broad coverage for cats too. [6]

ℹ️ What you should check / ask

Whether routine wellness care (vaccines, check‑ups) is included or only “accident & illness”. Many plans exclude routine care unless added on. [7]
Whether pre‑existing conditions are covered or excluded. Many insurers exclude conditions that existed before the policy start date. [8]
Reimbursement rate, deductible, and annual or lifetime payout limits. E.g., some policies reimburse 70–90% after deductible. [9]
Whether you can use any licensed vet (most allow this) or there’s a network limitation. (For cats in the US, most allow any vet.) [10]
Premiums depend on your cat’s age, breed, and your location. The younger your cat when insured, generally the better. [11]

If you like, I can pull up a side‑by‑side comparison of 5 top cat‑insurance providers (with sample pricing in your state, coverage details, pros/cons) so you can choose which fits best. Would you like me to do that?

Many companies offer pet insurance for cats, including ASPCA Pet Health Insurance, Pets Best, Figo, Nationwide Pet Insurance, and Trupanion. Some insurers have different levels of coverage, such as accident-only plans, comprehensive accident and illness plans, and wellness add-ons. When choosing, consider factors like waiting periods, reimbursement methods, and optional add-ons like routine care or dental coverage.

Popular cat insurance providers

ASPCA Pet Health Insurance: Offers customizable accident-and-illness and accident-only policies, along with wellness coverage.

Pets Best: Provides comprehensive accident and illness plans, accident-only plans, and optional routine care add-ons.

Figo: Offers comprehensive coverage options.

Nationwide Pet Insurance: Provides pet insurance with coverage starting at a certain monthly premium.

Trupanion: Offers coverage for cats and has partnered with other companies like Aflac and is offered through providers like Chewy Health's CarePlus brand.

Factors to consider when choosing a plan

Coverage types: Decide if you want an accident-only plan or a more comprehensive accident and illness plan. Some also offer optional wellness add-ons for things like routine vet visits and vaccinations.

Waiting periods: Some companies have waiting periods for certain types of coverage. For example, some have a 14-day waiting period for all conditions, while others may have 0-day waiting periods for accident and preventive care.

Reimbursement: Consider how you want to get reimbursed. Some companies may offer direct payment to your vet, while others pay you back via checks, direct deposit, or platforms like Zelle.

Enrollment restrictions: Check if there are any restrictions based on age or other factors.

Optional benefits: Some plans include extra features like dental coverage, alternative therapy coverage, or a free 24/7 vet chat.

Who has vet insurance for my cat?

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Who has vet insurance for my cat?

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✅ Providers to consider

ℹ️ What you should check / ask

Brands

Sources cited

Popular cat insurance providers

Factors to consider when choosing a plan

Brands

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