The cat insurance your best friend deserves

Cat insurance protects you from unexpected vet bills. But what is it, exactly? And how does it work? Let's break it down.

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No signup fee, no add-ons

Risk-free cancellation for up to 30 days

Visit any licensed vet in the U.S. or Canada

An upset looking cat with an ice pack on their head



1. Cat insurance helps you cover the cost of unexpected vet bills.

If your cat gets sick or hurt, we always hope they’ll land on their feet (good news: cats usually do). But cat insurance is here to make sure you do, too.

Think of it like cat health insurance: When your kitty comes down with something or gets into an accident, Petplan kicks in to help you cover the cost of your vet bills. Because we believe going to the ends of the earth for your pet shouldn’t also mean going broke. With Petplan’s cat insurance plans, you could be getting paid back up to 90% of your vet bills. Just imagine how much more catnip that could buy…



2. It works like most kinds of insurance — we reimburse you for your bills.

cat peeking head up and swatting at a bell

Say you get into a fender bender, your car insurance pays for the repairs. If your house is broken into, your homeowner’s insurance helps you replace stolen items. And if your cat gets sick or hurt, Petplan covers up to 90% of the vet bills. It’s that simple.

Here’s how Petplan cat insurance works:

Visit any vet

(Yes, even the vet you already see.) After a 15-day waiting period, you can take your cat to any licensed vet in the U.S. or Canada. We even cover emergency clinics and specialists.

Submit a claim

You’ll pay the vet bill and then submit it for reimbursement. All you have to do is take a picture of the paid receipt and upload it to our easy-to-use app.

Get paid back

Once your claim is approved, you can expect to see as much as 90% of that vet bill back in your bank account. For more info, read about pet insurance reimbursement.



3.Our plans average around C$25/month.

But keep in mind, the price of your specific plan will vary. We take into account age and breed, as well as your location to create a custom quote. For example, if you live in a city and have an older Manx cat, who’s predisposed to spinal defects, you’ll have a higher monthly premium than, say, a kitten living in the ’burbs, where vet visits tend to be cheaper.

So, how much is cat insurance with Petplan? It really depends. For an exact number, tell us a bit about your furball and get your price.

Want to customize your price? You’ve got options.

There are a couple of levers you can pull to make sure your plan meets your cat’s needs and fits your budget.

Maximum annual benefit

You set the maximum amount you can be paid back each policy year. The lower you set it, the less you’ll pay per month.

Annual deductible

If you anticipate a lot of vet visits, you might want to set a lower deductible so that your insurance kicks in faster. But remember, lower-deductible plans come with higher monthly premiums.


You can also choose your reimbursement (the percentage you get paid back for each covered vet visit). The higher the pay-back percentage, the higher the monthly premium.



4. As long as it’s not pre-existing, most injuries and illnesses are covered.

Scared cat is sweating over having to go in the crate

Isn’t that a relief? You won’t have to worry the next time your cat chips a tooth or gets a UTI, because you’ll be able to afford the very best care. Of course, there are exceptions. For more on the specifics, see our policy terms and conditions. They say cats have nine lives — and we’re here to make sure they make the most of them.

What’s included?

Petplan is the most comprehensive cat insurance there is. Our one plan covers what other providers charge extra for or don’t cover at all.

Injuries & illnesses

Diagnostic tests

Veterinary exam fees

Virtual vet visits

Comprehensive dental

Breed-specific conditions

Cancer treatment

Surgery & rehabilitation

Holistic care

Emergency & specialist vets

Behavioral therapy

Chiropractic care



5. Routine and preventive care are not covered.

Upside down kitten playing with a stethoscope

That means things like regular checkups, teeth cleaning, vaccinations, and grooming aren’t covered. Same goes for cosmetic procedures and pre-existing conditions. (Other companies don’t cover pre-existing conditions either; go ahead and compare pet insurance providers.) Cat insurance is for unexpected illnesses and accidents, not everyday upkeep. But when your kitty does get sick or hurt, you’ll be thankful we’re there to pick up the tab.



6. The sooner you enroll, the better.

Most people think you only need to insure older pets. But actually, the younger your cat, the more cat insurance can do for you. If you get insurance when your cat is a kitten, they’ll have fewer pre-existing conditions, which means you’ll be covered if something pops up in the future. (For example, if you enroll your kitten at nine weeks old and they develop allergies at 12 weeks, we’ll cover it.)

Plus, cats of any age can have accidents. In fact, according to our 15+ years of claims data, a pet parent gets a vet bill for more than C$1,000 every six seconds — so things definitely do happen.

We should also mention there’s a 15-day waiting period for cat insurance. So if you’re thinking about signing up because you’re at the vet right now, we won’t be able to help this time. But if you enroll, we'll be there for you and your furry friend in the future.



7. If you love your cat (and clearly, you do), cat insurance is a no-brainer.

Cat holding Petplan flag with their arm around a grumpy friend.

Look, if you’ve made it this far down the page, there’s no question you’re an excellent cat parent. You really love that hairball machine. And you want the best for them, which is perfect because Petplan is the most comprehensive pet insurance there is.* And that’s not just a marketing line. Dental, specialists, surgery, emergency visits, physical therapy and more—it’s all standard with us.

Cat insurance is all about giving you peace of mind. We want you to know that when something happens (and something will happen), you’ll be able to give your cat the best care without coughing up a ton of cash.

A cat with his head in a fishbowl looking up at a fish

Be ready for anything

Let’s protect that little furball. Plans average around C$25/month.

Get your price

No signup fee, no add-ons

Risk-free cancellation for up to 30 days*

Visit any licensed vet in the U.S. or Canada

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