Does pet insurance cover asthma in cats?
Lemonade Pet is not sold in every state.
Yes, if signs first appear after enrollment. Feline asthma is covered as an illness on every cat-insuring plan we review once the illness waiting period passes, typically about 14 days. Our breed data names asthma a Siamese risk alongside dental disease and amyloidosis. Asthma is chronic: once diagnosed and documented, it stays excluded on any new policy, so enrollment timing decides everything.
Get a Lemonade quote
Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.
Get a quote from LemonadeThe exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
What a policy pays for
A new asthma claim covers the diagnostic workup (x-rays are central to confirming asthma) plus prescribed treatment such as bronchodilators or corticosteroids, subject to your deductible, reimbursement rate and annual limit. Illness waiting periods run 14 days at Lemonade, Embrace, Spot, Figo and Pets Best, 15 days at Healthy Paws in most states, up to 15 days at Fetch, and 30 days at Trupanion. Current Lemonade marketing waits (your state policy controls) are 0 days for accidents from the policy effective date, 14 days for illness, and 30 days for orthopedic conditions.
Our breed data flags Siamese cats for asthma risk. Request current quotes for your cat before comparing premiums.
The chronic rule and lifelong management
Asthma is managed rather than cured, which places it firmly in the chronic camp once documented: excluded for life under every pre-existing rule we review, with no curable-condition reinstatement path of the kind that re-covers ear infections or giardia.
For lifelong claims, unlimited-limit designs matter more than headline price. Trupanion pays unlimited per condition with its deductible paid once for the life of the pet. Embrace, Spot and Lemonade offer unlimited or high-cap annual limits at the top of their ranges.
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