how much does cat health insurance cost and what affects your premium

Typical price ranges

For most owners, monthly premiums fall between $15 and $40 for accident and illness plans, while accident-only policies can dip to around $10–$20. Comprehensive options with wellness add-ons may reach $50+, especially for older cats or breeds with known conditions.

What drives the price

Insurers weigh age, breed, location, and the coverage you choose. Higher reimbursement, lower deductibles, and larger annual limits increase costs. Urban vet fees, prior conditions, and multi-pet discounts also shift the final number.

• Deductible: $100–$500 is common; lower deductibles raise premiums.
• Reimbursement: 70%–90% typically; higher percentages cost more.
• Annual limit: From $5,000 to unlimited; bigger ceilings mean higher rates.

To estimate your own rate, collect quotes from three insurers, keep the deductible and reimbursement level consistent, and compare the annual cost, not just the monthly figure. Read exclusions, waiting periods, and dental coverage notes carefully.

If you’re on a tight budget, start with accident-only and upgrade later, or choose a higher deductible to protect against large, unexpected bills while keeping premiums manageable.