Best pet insurance for cats in the US

Cats hide illness well, so issues are often found late and cost more. This ranking assumes an adult cat, accident & illness coverage and a balanced budget.

Ranked with the same filters and scoring as our quiz, using plan data reviewed 2026-10-16. Your pet's breed, age and location change the answer — take the quiz for a personal match.

#1 for cats

Embrace

Accident & Illness

Excellent fit

Priced mid-range, matching your budget priority.

Pays back: Up to 90%
Yearly limit: Unlimited
Deductible: Yearly

Watch out: 180-day exclusion for common orthopedic conditions in dogs

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Full details

Customizable accident & illness coverage with dental illness, complementary therapies and cured-condition coverage.

$$ Mid-rangeAccident & illness

Reimburses: 70/80/90%
Annual limit: Unlimited
Deductible: Annual
Exam fees: Covered
Accident wait: none
Illness wait: 14 days

Good to know

Covers cured pre-existing conditions after 12 symptom-free months
Dental illness included (up to $1,000/yr)
Complementary and behavioral therapy included
No accident waiting period
Unlimited annual limit option

Watch out for

180-day exclusion for common orthopedic conditions in dogs
Pets 15 and older can only get accident-only coverage
Premiums rise over time with age

Underwriter: American Modern Insurance Group (a Munich Re company)

Sources: embracepetinsurance.com · embracepetinsurance.com · embracepetinsurance.com · embracepetinsurance.com

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#2 · Nationwide

Modular Pet Insurance

Excellent fit

Priced mid-range, matching your budget priority.

Pays back: Up to 80%
Yearly limit: $5,000
Deductible: Yearly

Watch out: Hereditary, congenital and cruciate coverage are paid add-on modules

Get a quote from Nationwide

Full details

Build-your-own coverage from accident, illness and optional modules (hereditary, cruciate, wellness) — exam fees included.

$$ Mid-rangeAccident & illness

Reimburses: 50/70/80%
Annual limit: $5,000
Deductible: Annual
Exam fees: Covered
Accident wait: 14 days
Illness wait: 14 days

Sample monthly cost

from $13 — 2-year-old medium mixed-breed dog, Chicago, accident-only moduleNationwide's advertised starting price ($5,000 limit, 70%, $250 deductible).

Good to know

Vet exam fees included
Optional hereditary/congenital and cruciate modules
Also insures birds and exotic pets
24/7 vet helpline included

Watch out for

Hereditary, congenital and cruciate coverage are paid add-on modules
Cats 8 and older can't add hereditary coverage
Annual limits are per module — total payouts can be lower than single-limit plans
No 90% reimbursement option found on Nationwide's current pages

Underwriter: National Casualty Company (Veterinary Pet Insurance Company in California)

Sources: petinsurance.com · petinsurance.com · petinsurance.com

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#3 · Figo