7 Best American Wirehair Cat Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

The American Wirehair cat is a dream cat for many, with its adaptable personality and loving demeanor. While they are considered a short-haired cat, their hair structure is dense, wiry and appears crimped. American Wirehair cats are wonderfully affectionate companions. They are loving, gentle and entertain their humans through quirky antics, and play. Some health conditions are notable in this breed due to their inherited genes from their short-haired counterparts These conditions can be an overwhelming financial constraint. The good news is, pet insurance is a wonderful option that allows you to provide the best care and treatment possible while helping you save money. As a licensed insurance agent and loving cat owner, I am here to make sense of the pet insurance landscape. Read more about our unbiased ranking methodology and advertiser disclosure.

Top American Wirehair Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best American Wirehair Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old American Wirehair 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 WIREHAIR CAT

$16.17/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around American Wirehair 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
4.5
  • 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 WIREHAIR CAT

$31.69/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
4.5
  • 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 WIREHAIR CAT

$26.65/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 WIREHAIR CAT

$58.14/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 WIREHAIR 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 WIREHAIR 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 WIREHAIR CAT

$31.12/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with American Wirehair 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 WIREHAIR CAT

$16.17/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around American Wirehair 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 Wirehair Cat Insurance FAQs

What is pet insurance, and is it worth the investment for my American Wirehair cat?

Pet insurance is a great way to offer peace of mind for you and your family, should any health issues arise with your beloved cat. By aligning with a pet insurance company, you will pay a monthly fee to keep your policy active, reimbursing you a portion of the cost of care upon submission of your claim. That small monthly investment can save you hundreds, or even thousands of dollars in unforeseen veterinary bills. As a pet owner, we do not anticipate any of these medical issues, but we know certain breeds can sometimes suffer from conditions that are out of our control. Your pet insurance policy will help you provide the necessary care that your cat deserves, while avoiding unnecessary financial stress.

What is the proper age to insure my American Wirehair cat?

Insuring your cat as soon as possible is important, usually by 6-8 weeks of age, depending on the policy. If your cat is an adult, check with your policy to see what guidelines are in place. There may be a waiting period prior to coverage. They typically do not cover pre-existing conditions.

What are a few common insurance claims for the American Wirehair cat?

Due to their predisposition to genetically inherited diseases, claims may be associated with: hypertrophic cardiomyopathy, hip dysplasia, and obesity-related issues. With any chronic or acute condition, including broken bones, illness or injury, veterinary care is necessary and can be expensive.

What services are typically covered by insurance? What services are excluded from coverage?

Though pet insurance policies can vary greatly, they typically cover care associated with illnesses or unforeseen injuries. Some of these services that may be covered include, but not limited to: infection, broken bones, acute illnesses, chronic conditions not deemed pre-existing, preventative care, medications and hospitalizations. Some services may be excluded, but that varies by plan.

Does pet insurance cover dental work?

Each plan varies, but some insurance plans may cover accidental dental damage.

Can I use a veterinarian of choice, or are there insurance-approved options?

Most typical plans are accepted at any licensed veterinary clinic, including specialty or emergency service clinics.

Are there discounts for insuring multiple pets?

Many plans offer a multi-pet discount. When enrolling your new pet, please verify with your insurance to see if you qualify for a multi-pet discount.

Who pays for services at the time of veterinary care?

Most typical pet insurance plans utilize a reimbursement method for payment. You would pay for services up front and submit a claim to the insurance company after services were rendered. Payment will then be made to you, dependent upon your reimbursement rate and deductible.

How should we choose from a high or low-deductible plan?

With many pet insurance plans to choose from, it is important to understand your financial situation. A high deductible plan typically equates to lower monthly premiums. Some have enough in savings to cover a high deductible, should their pet need immediate care. Others choose a low deductible plan, which means their premiums are higher, but they do not have to pay a large lump in the form of a high deductible. There is no right or wrong plan. It’s the “best plan that works for you.” Ultimately, the end result is the same regardless of which plan you choose. And that means, a healthy pet and a healthy wallet for you!

5 Tips for Keeping Your American Wirehair Cat Safe and Healthy

Pet insurance is a great financial safeguard for you and your family. However, there are many things that you can do daily to ensure your American Wirehair lives a long and healthy life! Below are a few tips.

1. Exercise Through Play

American Wirehairs are extremely playful. They enjoy enrichment through play with their owners. To combat boredom and destructive behavior, daily play time is essential! Provide toys, games and scratching posts in your home.

2. Proper Nutrition

Discuss high-quality food options with your veterinarian and proper portions to help maintain a healthy weight and support overall health. Proper nutrition is also an important preventative measure in reducing the risk of hip dysplasia.

3. Dental Care

Periodontal disease is common in cats. It is important to practice regular tooth brushing, only using products that are specific to cats.

4. Grooming

Gentle weekly combing is sufficient to keep your cat’s coat soft and lush.

5. Accommodations At Home

Like most cats, your American Wirehair will enjoy finding the highest points in your house, along with small enclosures to explore. It is important to create a safe environment for them while catering to their instincts to survey their surroundings or hunt. Cat houses and cardboard boxes are also good options when they want to hide. Plenty of enrichment toys will keep them stimulated!

Conclusion

Enrolling your American Wirehair cat into a pet insurance plan can seem daunting. However, the benefits of having a money-saving plan outweigh the small upfront effort. While we do not think about illness or injuries when we bring a new cat into the family, it is something to consider so we can avoid costly veterinary visits later, while ensuring the best possible care for our beloved feline. American Wirehairs make wonderful companions. This breed is a wonderful pet with energetic and playful personalities, unique coats, and loyal disposition.

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

SwiftScore Ranking Methodology for American Wirehair Cats

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

  • Average monthly price for a 2-year-old American Wirehair 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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