6 Best Alaska (AK) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Buying cat or kitten insurance in Alaska can seem like a challenging task. Policy language can be confusing and determining the best cat insurance company, is frustrating. As a licensed Alaska insurance agent and cat owner, I have done extensive research regarding Alaska cat insurance, so you don’t have to. All the information you need is right here, whether you live in Anchorage, Buckland, Cordova, Alpine, Fairbanks, Nome, Sitka or somewhere in between. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Alaska (AK) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Alaska (AK) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Alaska (AK) 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.

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 IN ALASKA

$14.42/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Alaska (AK) 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
4.8
  • 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 IN ALASKA

$21.46/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
4.8
  • 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 IN ALASKA

$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
4.7
  • 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 IN ALASKA

$21.79/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
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 IN ALASKA

$25.23/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
4.5
  • 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 IN ALASKA

$36.00/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

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 IN ALASKA

$14.42/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Alaska (AK) 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

Alaska (AK) Cat Insurance FAQs

What is cat insurance? Why is it useful in Alaska?

To protect your cat to the fullest with insurance, you will need to register with an insurance provider and pay the monthly premiums to keep the policy active. Should your feline friend become ill or be involved in an accident, you will have to pay the vet bills in full and then submit a claim for reimbursement to your cat insurance company. Note that pet insurance often excludes pre-existing conditions, which is why we urge pet owners to get their cat insured while it is still a kitten (after 8 weeks old).

Cat insurance is handy in Alaska because vet bills for emergency treatments such as cancer can easily exceed $5,000. Uninsured pet owners often have to make the agonizing choice to put their cats down because they can’t afford the needed treatment. Insurance eliminates that likely agony.

How old does my kitten need to be to get insured?

Most cat insurance companies request your kitten be at least 8-weeks-old before you can put a policy in place. The good news is that most providers do not restrict how old your cat can be to get insurance. Keep in mind that younger animals tend to be cheaper to insure, which is why we advocate for getting a policy for your cat before their first birthday.

Is it worth getting cat insurance in AK?

As noted earlier, accidents and illnesses are inevitable in a cat’s life, which means vet bills can mount quickly. Many cat owners end up spending upwards of $2,000 for an emergency trip to the vet. You will need to decide if paying a monthly insurance premium mitigates potentially high costs in the future.

What does cat insurance include and exclude?

Coverage differs with each insurance provider, but a good rule of thumb is that accidents and illnesses considered “sudden and catastrophic” will be covered. Some examples include eye infections, tumor removals, broken bones, or urinary issues. However, if your cat has an illness or condition before you apply for insurance, it may be deemed a pre-existing condition and thus not eligible for claims. Many insurance providers now offer “wellness” packages to add to your basic policy. These packages cover care and treatments such as vaccinations, annual physical exams, and worm prevention.

How does reimbursement work?

For our hypothetical purposes, let’s say you have an insurance policy that includes an annual maximum benefit of $20,000 with a 90% reimbursement and a $250 deductible. If your cat suddenly needs cancer treatment costing $5,000, your insurance provider would reimburse you for $4,500 minus your $250 deductible. As a result, you would only pay $750 of the original $5,000 total. Cat owners’ most popular deductible choices are $250 and $500.

Are there restricted cat breeds for homeowners insurance in Alaska?

While most states have restricted breeds for dogs regarding homeowners insurance, there are none for cats in Alaska. We always recommend reaching out to your local home insurance provider to verify what your policy includes and to see if you need a specific liability rider.

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

With extreme weather conditions and countless predators, there is a lot to think about when it comes to keeping your cat safe and healthy in Alaska.

1. Protect your cat from predators

Alaska has a long list of potential predators for your little cat, including black bears, grizzly bears, foxes, wolverines, eagles, wolves, coyotes, and more. The majority of which are nocturnal. Therefore, to keep your cat safe, it’s best to ensure they are indoors before sunset and stay inside until after sunrise.

2. Treat your cat for fleas

Fleas are common in the Alaskan wild, so if you let your cat roam you might want to use a spot-on flea treatment. The good news is that ticks are not very common in Alaska, and therefore, Lyme disease is not a significant issue. Should you find a tick on your cat, though, be sure to report it to Alaska Fish & Game.

3. Keep your cat warm

With temperature highs reaching only into the 60s for the summer months and lows plummeting to -30 degrees Fahrenheit, Alaska is an incredibly chilly place to live. If you have a cat that likes to venture outdoors, be sure to keep it inside on days and nights the mercury has reached freezing.

4. Ensure your cat is hydrated

Cats are not natural water drinkers, even less so when it is cold, which is most of the year in Alaska. While it is always a good idea to keep a bowl of fresh, room-temperature water available to your cat at all times, consider adding a bit of water to your cat’s food too. This works for canned, dry, raw, or homecooked food and enhances the flavor. This technique helps stave off dehydration, which leads to many ailments, including fatal conditions such as urinary blockages.

5. Prepare an emergency bag

Alaska is known for earthquakes, landslides, and massive snowstorms. While Alaskans may be used to such events, it is wise to have a “go” bag prepared for your cat. The bag should have food, water, medicine, a small portable litter box, and litter. You will also want to keep your cat’s carrier readily accessible and lined with a thick, warm blanket along with a pee pad in case of a sudden evacuation.

Conclusion

As you can see, finding the best cat insurance in Alaska is not as complicated as it may have seemed initially. We suggest getting cat insurance once your kitten is 8-weeks-old. The younger your cat is, the better the insurance prices and the lower the potential for pre-existing condition restrictions. Regardless of age, getting pet insurance is always beneficial for emergencies and wellness.

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

SwiftScore Ranking Methodology for Alaska (AK) Cats

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

  • Average monthly price for a 2-year-old Alaska (AK) Cat with a $500 deductible located in the 99516 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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