7 Best American Bobtail Cat Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

With its full, broad chest; prominent shoulder blades; tufted ears and toes; substantial, rectangular body; and distinctive short tail, the American Bobtail cat resembles a bobtail wildcat. That wild-looking exterior is where the resemblance ends, however. American Bobtail cats are known to be extremely calm and sweet-tempered cats who love attention and affection from their families. No recognized breeds of pedigreed cats have been used in the development of this breed; instead, natural selection helped give rise to a generally very strong, healthy breed. The shortened tail of the American Bobtail cat, which results from a natural genetic mutation, sometimes leads to spinal or bowel issues, though, especially for cats born without any tail at all, which usually comes with a shortened spine. Hip dysplasia, where the ball and socket are misaligned and loose, and polycystic kidney disease have also been reported in some American Bobtail cats.

Given these health concerns, which can generally be treated with anti-inflammatory medication, physical therapy, or surgery, you might be worrying about covering the costs of veterinary care for your American Bobtail cat in the future. Fortunately, there are several reputable pet insurance providers on the market that offer good coverage options for American Bobtail cats. I’ve put together some information that I hope you find helpful as you consider enrolling in cat insurance. Read more about our unbiased ranking methodology and advertiser disclosure.

Top American Bobtail Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best American Bobtail Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old American Bobtail 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 cat parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AMERICAN BOBTAIL CAT

$15.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around American Bobtail 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
pumpkin logo
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to cat parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AMERICAN BOBTAIL CAT

$19.50/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 cos
  • Founded in 2020 and underwritten by United States Fire Insurance Company
aspca
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to cat parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AMERICAN BOBTAIL CAT

$16.40/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to cat parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AMERICAN BOBTAIL CAT

$57.34/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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to cat parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AMERICAN BOBTAIL CAT

$34.92/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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to cat parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AMERICAN BOBTAIL CAT

$35.64/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 cat parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AMERICAN BOBTAIL CAT

$31.12/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with American Bobtail 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

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

STANDARD PLAN
COST FOR AMERICAN BOBTAIL CAT

$15.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around American Bobtail 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

American Bobtail Cat Insurance FAQs

Do I really need cat insurance?

Pet insurance is a good idea for any pet owner. In the same way that you have health insurance to help you pay for medical care when you have unexpected illnesses or injuries, cat insurance can help you with the financial burden of expensive veterinary care for your American Bobtail cat. As mentioned previously, American Bobtail cats sometimes deal with spine or nerve issues, polycystic kidney disease, or hip dysplasia, which can lead to arthritis. Treatment for these issues can run the gamut of anti-inflammatory medicine, physical therapy, diagnostic procedures like x-rays, or even surgery. In addition, all cats can face common health issues like respiratory viruses or feline urinary tract disease, ranging from mild to serious. Veterinary care can become expensive, but cat insurance can help cover some of those costs. Doing plenty of research before you pick your plan will help you feel comfortable that you’ve made the right choice. After you’ve picked an insurance provider and a coverage plan, simply enroll your pet and then pay the monthly premium to keep your coverage active.

Are there age limits for my American Bobtail cat to be insured?

Generally speaking, the sooner you can enroll your American Bobtail cat in an insurance plan, the better. Having coverage in place before you actually need it is a great idea. Most insurance providers begin coverage around the age of eight weeks for kittens. Since this is the age that most kittens are weaned and adopted out, it’s a good time to think about getting a cat insurance policy. Always check with your chosen insurance provider about any specific age requirements, though, before signing up.

What type of coverage should I get for my American Bobtail cat? Is any type of care that I might need excluded from coverage?

Since you know that American Bobtail cats sometimes suffer from hip dysplasia, it might be a good idea to get a coverage plan that covers diagnostic procedures like x-rays, physical therapy, surgery, and anti-inflammatory medication. Some plans also cover preventative veterinary care like dental cleanings, which are a great idea for all cat owners. Generally speaking, though, most insurance providers have several good, basic coverage options that would work for most healthy American Bobtail cats. Although coverage varies with different plans, most insurance providers do not provide coverage for care for pre-existing conditions.

What if my veterinarian doesn’t take my cat insurance?

Fortunately, you can benefit from cat insurance coverage no matter what veterinarian you use. Cat insurance works on a reimbursement model, which means you are responsible to pay for care for your American Bobtail cat up front but then can be eligible to be reimbursed for some of the care afterward. When your pet is sick, injured, or requires an annual physical exam and vaccines, take it to the vet to get whatever care it needs. Most veterinarian’s offices require payment on the same day as service. Pay the veterinarian, and then submit a reimbursement request to your insurance provider. Based on the coverage and rates in the plan you’ve chosen, your insurance provider will review the request, compare it to your coverage, and then send you a check in the appropriate amount.

What type of deductible should I get? High or low?

Coverage plans that have a high deductible usually balance that out with offering a lower monthly premium, which can be helpful if money is tight, and you’re not expecting to need a lot of care for your healthy American Bobtail cat. Low or no-deductible plans generally have higher monthly premiums, but you may be interested in these types of plans if you anticipate needing a lot of veterinary care for your cat.

5 Useful Strategies for Keeping Your American Bobtail Cat Safe & Healthy

The American Bobtail cat’s lifespan is generally between 11 and 15 years. To make sure both you and your pet can enjoy these years to the fullest, the following are some strategies to keep them happy and healthy:

1. Love and Affection

This sweet-natured, affectionate, gentle breed loves to be doted on and cuddled. In fact, due to their loving, empathetic, and intuitive nature, American Bobtail cats are sometimes used as therapy cats. American Bobtail cats try to make friends with everyone, often greeting strangers at the door with a wag of their short tail. Because they are very social, they make great family pets, although sometimes they do better with slightly older children who match their calm demeanor. Their need for lots of love and constant affection make the American Bobtail cat best suited for families that spend a lot of time at home or for families who have other pets. They do not thrive if left alone for long periods of time.

2. Nutritious Diet

Because the American Bobtail cat is a laid-back breed who wants to be on your lap all the time, they can sometimes tend toward becoming couch potatoes. It is important to talk to your veterinarian about what type and brand of high-quality cat food you should feed your American Bobtail cat to prevent excessive weight gain or obesity. Obesity leads to health problems in all cats, but American Bobtails can sometimes suffer from hip dysplasia, and excess weight makes this condition even more painful. Look for cat food that is high in protein, with the first, listed ingredient being meat, if possible, to help keep your American Bobtail lean and healthy.

3. Hit the Road

This breed’s laid-back and adaptive nature makes them well-suited to a variety of lifestyles. In fact, many American Bobtail cats seem to enjoy traveling with their beloved owners. Long-distance truckers and families who like to travel in RVs could benefit greatly from having an American Bobtail cat as a companion on the road.

4. Interactive Play

American Bobtail cats love to play and interact with their families. They will often initiate a game of fetch by bringing you a toy in their mouth like prey and dropping it at your feet to throw. Some have even been known to play hide and seek. Since they are very intelligent, investing in some mentally stimulating toys like puzzle boxes or mazes will help keep them entertained. Also, they are easily leash-trained, so you might enjoy taking them for walks around the neighborhood. Training them to be comfortable on a leash is especially important if you’re going to be traveling with your cat.

5. Grooming

Although the American Bobtail Cat looks wild with either a dense shorthair or medium longhair coat, they do not require extensive grooming. Usually, a light brushing once or twice a week will be enough to keep shedding under control. Some of the lighter-colored cats might also need an occasional bath to keep their coats clean. As with all cats, trimming their nails and getting their teeth cleaned regularly will go a long way toward keeping them happy and healthy for many years.

Conclusion

You want the best for your American Bobtail cat. Providing proper veterinary care is an important part of being a cat owner and ensuring your feline companion lives a long, healthy, happy life. Cat insurance can help give you peace of mind that you will be able to provide the best possible care for your pet, regardless of your bank account. There are many reputable cat insurance providers on the market today, offering a wide range of coverage rates and plans.

After extensive research, we conclude that Lemonade pet insurance offers the best cat insurance policy at the lowest monthly for American Bobtail cats.

SwiftScore Ranking Methodology for American Bobtail Cats

We ranked the best pet insurance policies for American Bobtail Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old American Bobtail Cat with a $500 deductible located in the 90210 zip code
  • 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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