7 Best Alabama (AL) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

As fellow cat and kitten owners, we understand that cats require a certain level of pampering, coddling, and overall special treatment. They are royalty, after all.

Or, at least, we let them think so…

Part of pampering our beloved felines includes getting them covered with the best pet insurance. This means you have to hunt and search for which company has the best rates, the best coverage, the best everything. Well, I have saved you the trouble by researching all the available cat insurance options in Alabama. As a licensed insurance agent in Alabama and a lifelong cat owner, I understand the importance of keeping your pet happy and healthy.

If you live in Birmingham, Huntsville, Brantley, or anywhere in between, we’ve got you covered with this article all about Alabama cat insurance.  Read more about our unbiased ranking methodology and advertiser disclosure.

Top Alabama (AL) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Alabama (AL) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Alabama (AL) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ALABAMA (AL) CATS

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Alabama (AL) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ALABAMA (AL) CATS

$18.76/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
pumpkin logo
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ALABAMA (AL) CATS

$18.63/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ALABAMA (AL) CATS

$16.57/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Alabama (AL) Cat vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ALABAMA (AL) CATS

$18.04/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ALABAMA (AL) CATS

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ALABAMA (AL) CATS

$23.18/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ALABAMA (AL) CATS

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Alabama (AL) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Alabama (AL) Cat Insurance FAQs

In Alabama, how much will cat insurance cost me?

Your average monthly payment will be around $15 for a kitten and $17 for an adult for an average domestic shorthair cat’s basic insurance plan. For a large cat’s basic insurance plan, like the larger breed Maine Coon, the average will be around $20 for a kitten and $25 for an adult.

By location, Montgomery, AL seems to have higher monthly rates on average for pet insurance than areas like Birmingham.

As an Alabama cat owner, is it worth insuring my cat?

While you may have planned for the weekly and monthly expenses of owning your kitty, unexpected feline emergencies often catch pet owners unaware. These expensive vet visits are as much on you, the owner, to pay for as the food or litter. So, while purchasing pet insurance isn’t a mandatory part of owning your cat or kitten, having it can significantly reduce the financial burden of vet expenses during unexpected emergencies.

What doesn’t cat insurance cover?

Cat insurance, along with most pet insurance plans, usually will not cover any pre-existing health condition your cat may have. Your insurance also will likely not cover routine or standard procedures like wellness exams, vaccinations, and spay/neuter operations.

However, most pet insurance plans do typically cover those vet expenses we’ve mentioned that are related to emergencies like broken bones, surgeries, infections, and allergic reactions. You may be able to purchase additions to your basic insurance plan that cover some of those standard expenses, depending on your pet insurance company.

How does pet insurance work?

There is no direct exchange between your vet and your insurance with pet insurance, unlike with our human health insurance plans. Usually, you will use your pet insurance by paying the vet yourself when there is an emergency visit and then submit a claim to your pet insurance company. After you pay your deductible, your insurance will typically reimburse you for approximately 80% of the expenses.

Which is better, a high or low deductible?

Purchasing an insurance plan with a low deductible means that you will pay a little more each month so that you can pay less in the case of an unexpected and expensive vet emergency. While a low deductible is what is typically preferred by pet insurance buyers, it is important that you look over your own current financial situation before deciding what plan to go with.

Check out your insurance company’s website to see if they provide an easy-to-use quote calculator that can help you when deciding between a plan with a high or low deductible.

How old does my cat need to be for me to get them insurance?

Pet insurance for puppies requires that they only have to be between 6 and 8 weeks of age, pet insurance for kittens usually requires that they be 8 months old before they can be covered. This means that you will be responsible to pay for any emergencies that arise before you get them covered directly out of pocket. It is cheaper to buy insurance for your kitten than for an adult cat, so we recommend getting your kitten covered before their first birthday.

No matter how old your cat is, we believe it is beneficial to get them covered by pet insurance.

How do I know which vet will take my pet insurance?

Earlier, we mentioned that there is no direct exchange between your vet and your pet insurance because you pay your vet and your insurance directly reimburses you. This lack of connection between your vet and insurance means that you are free to choose any vet you’d like for your beloved kitty.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Alabama

In addition to emergencies, however, you’re in charge of looking after your pet’s health in every day, too. Below we have listed 5 different strategies for maintaining your cat or kitten’s health and safety in Alabama:

1. Know Tornado Guidelines

Alabama’s tornado total amounts to between 40 and 70 per year, so if you plan on moving you and your pet to this state we suggest checking out your local emergency guidelines for both you and your pets.

2. Be Aware of Hurricanes

While hurricanes aren’t nearly so common in Alabama, a few major ones have hit Alabama soil, so this is another natural disaster you’ll want to check out the safety and emergency guidelines.

3. Mosquito Repellent is Key

You’ll probably want to look into mosquito repellant for your yard since Alabama ranks in the top 10 worst states for mosquitoes, especially if your cat spends anytime outdoors.

4. Alabama Heat can Kill

In July, Alabama temperatures soar above 90 degrees. Be careful to never leave your cat or kitten unattended in the car, especially in the hot and humid months.

5. Collar your Cat

A general safety tip is to make sure your cat is wearing a collar with updated tags and to consider having them microchipped even if they are an only-indoor cat, just in case they get lost.

Conclusion

It can be intimidating to sort through your options when buying pet insurance for your cat, but we hope that reading this article helped make the process easier for you!

If you’ve adopted a kitten, we suggest getting them covered by pet insurance before their first birthday, if not closer to their 8-month mark, as required by most insurances. Even if your cat is older, we still recommend buying pet insurance for the sake of your finances and your kitty’s wellbeing.

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Alabama (AL) Cats

We ranked the best pet insurance policies for Alabama (AL) Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Alabama (AL) Cat with a $500 deductible located in the 35206 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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