How does pet insurance for cats work?
Pet insurance for cats is the same accident-and-illness product used across this site, sold for a cat instead of a dog. After waiting periods, new accidents and new illnesses reimburse minus the deductible, at the chosen reimbursement rate, up to the annual limit. Pre-existing conditions are excluded by every insurer we review. 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. Lemonade is the only live quote link. Lemonade Pet is not sold in AK, ID, KS, SD, VT, WV, or WY as of October 2026. We do not have dated comparable cat premiums on this page, so request a current quote.
What pet insurance for cats actually is
Accident-and-illness is the default. For indoor cats, compare the covered risks and exclusions as well as the premium.
For a comparison of insurers, see our best pet insurance for cats guide and the cat buyer’s guide.
What every cat policy still excludes
Pre-existing conditions are excluded by every insurer on this site. Waiting periods apply after you enroll. Orthopedic waits are usually longer than accident or illness waits. Do not treat this page as covering a cat from day one.
If your cat has a breed-related health risk, check the condition guidance and the policy wording for that risk.
How to compare current quotes
We do not have dated, comparable cat quotes for this page. Ask insurers for current prices using the same ZIP code, deductible, reimbursement rate, and annual limit.
It does not enroll you in another insurer.
Related questions
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The Advisor ranks the eight reviewed plans from nine questions. The Advisor is not a quote form.
Start the AdvisorPremium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.