6 Best Delaware (DE) Cat Insurance Policies 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Finding the best insurance plan for your cat or kitten can feel like hard work. As a licensed insurance agent in Delaware and a proud cat owner, I realize how confusing the policy language can be, and I understand its effort to choose the right cat insurance company. I have made it easier than ever to find the best plan for your pet, specifically for cats in Delaware. Whether you live in Wilmington, Dover, Newark, Middleton, or any city in between, this article will guide you through the basics of catinsurance and help you find the purrrrfect policy. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Delaware (DE) Cat Insurance Scored, Ranked & With Cost

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

pumpkin logo
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 DELAWARE (DE) CATS

$21.32/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
4.9
  • 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 DELAWARE (DE) 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
4.8
  • 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 FOR DELAWARE (DE) CATS

$18.44/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Delaware (DE) 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
4.7
  • 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 FOR DELAWARE (DE) CATS

$31.16/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
4.7
  • 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 FOR DELAWARE (DE) CATS

$25.98/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
4.6
  • 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 DELAWARE (DE) CATS

$30.23/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
4.9
  • 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 DELAWARE (DE) CATS

$21.32/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

Delaware (DE) Cat Insurance FAQs

How do I know What Delaware Cat Insurance to Purchase?

A good question that comes up a lot is how do I know the vet I choose or the pet hospital I take my cat to will accept the policy I purchased? It is a great question and a simple one to answer.

Policies like these are a little different from those that provide insurance for a human to seek medical treatment. Usually, you would find a good insurer like UnitedHealthcare and then find a doctor you like within the network and pay a simple co-pay to receive care. That is how most insurers handle things for a human,

For a pet, it is must different. It does not matter what facility you use, what vet you use, or what hospital you use. As long as you receive medical services for your pet within your state, the insurance company will pay you directly for the services rendered based on your insurance policy agreement.

How does your Delaware Cat Insurance Policy Work?

With a policy that covers a cat, you initiate payment directly to your vet or hospital. But don’t worry, you don’t need to come up with $15,000 upfront to pay off a pet bill. You will receive the statement from the vet and later either billed for the entire amount or make payments.

Now here is the good part. While waiting for the bill to come, you will have already submitted your receipt to your Delaware insurance company. They will have paid you out and close the insurance claim well before the bill comes. Once you have the money from the insurance company, you will pay the vet outright.

How Do You Process A Claim in Delaware for Your Pet?

The steps are similar in most states. Here are the steps below:

  1. Choose the insurance policy and company that is right for you.
  2. Make your monthly insurance payments to keep the policy active.
  3. Take your pet to a veterinarian or pet hospital for treatment when an emergency occurs.
  4. Pay the vet or have the bill mailed to you.
  5. Asked your vet for a detailed breakdown of all services and charges.
  6. Submit your claim easily online to the insurance company.
  7. Get reimbursed and pay off the vet bill.

What Kind of Delaware Insurance Plans Should I Expect for My Cat?

Some good ones come with different deductibles, costs, and perks.

  • The Wellness Plan – Great as an addon because it covers all your regular visits, vaccinations, etc. It does not cover emergencies, injuries, or lifesaving procedures.
  • Accident Only Plans – Great for pets that tend not to get sick often. Cats tend to have health problems as they get older, so a plan like this would work best for a kitten or younger cat but would not benefit an older cat above five years old.
  • Accident and Illness Policy Plans – These plans are great for a cat that is five years or older. It will cover injury, but more so sickness. Liver troubles, diabetes, eye problems, and teeth issues are all problems that cats may experience as they get older. It is the plan that will cover those types of health issues.
  • Accident, Illness, and Wellness Policies – Finally, the Cadillac of Delaware cat insurance plans. It will cover all and everything. Need to take your cat in for vaccination? It will cover it. Your cat gets poisoned by eating a piece of a plant; you are covered. Your cat needs surgery and needs an extended hospital stay. An insurance policy like this will cover those expenses and more. It is a one policy fits all needs kind of plan.

What are the Most Common Deductibles in Delaware?

Deductibles are very similar across the state. But some states do different based on regulations and policies.

  • $1000 – Lower in cost, these policies will cover most injuries or hospitalization. This kind of deductible will not help much for annual visits to your vet, more minor procedures, or stays in a pet hospital that does not include a night stay. Since the cost of the bill will most likely be below $1000, you will need to front the entire cost of the vet bill.
  • $500 – The cost of this policy is the middle of the road and a good choice for most pet owners. Cats don’t tend to end up in the vet as much as dogs, yet when they do, the issues are a little more complicated to diagnose because of their behavior. So, the cost can run a little higher, and you may go over the $500 deductible. It means you pay $500, and the insurance will cover the rest based on your policy agreement.
  • $250 – Now we are getting into the more serious and higher-priced policies. Most vet visits that are considered an emergency, injury, or sickness will equate to a bill that is more than $250. If you have a pet that already has some medical problems or is prone to injury, then a deductible may save you much money in the long run.
  • $100 – This policy is one of the best you can get, but it is expensive. It usually comes with a 90% total bill payment and a $100 deductible. It means your insurance company will pay almost the entire bet bill, and you only need to pay 10%, plus your deductible. Add a wellness policy to this, and you have a rock-solid policy that would cover any pet’s needs.

Does Your Delaware Cat Insurance Policy Pay for Your Entire Bill?

NO, and there is no insurance company I know of right now that pays the entire bill. Perhaps this will change in the future. Typically underwriters and policymakers are constantly tweaking and perfecting insurance policies to make them the best and fordable as possible, so a 100% coverage kind of policy may show up sometime soon.

Here is a scenario that will help you understand how a policy would work in the event of an emergency. I own a pet policy that pays 80% of the bill, and I have a $500 deductible. My monthly dues are $38 a month for this policy. When my cat had to go to the hospital, she had to stay the night and was hooked up to an IV. She was having trouble staying hydrated.

My total bill came to around $1500 for everything. The insurance paid $1200 minus the $500 deductible, and I covered the rest of the bill. For my financial situation, this worked out for me. Yet if I wanted to pay for a lower deductible and allowed the insurance company to pay a higher percentage of the bill, then my part would have ended up a lot less.

Conclusion

Finding the best Delaware Cat Insurance policy for your feline can be straightforward if you take the time to review your options and ask questions. Having insurance does cost money, but it also brings peace of mind, knowing you don’t need to decide on treatment for your cat over making ends meet. Insurance may look like it is not a good investment, but I can assure you that when you are in a situation where your pet needs you, you will be so glad you decided to provide medical coverage for them.

If you still have not brought a cat into your family and thinking about it, adoption is a great way to do this. Many great organizations take in pets that need a loving family. It is a gratifying experience to bring a cat or kitten into your family and watch them start to grow and flourish. Many pets are abandoned, lonely, and need love. You will be giving a kitten or cat a new lease on life. In return, you will get many years of happiness and fun times with your new feline friend.

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

SwiftScore Ranking Methodology for Delaware (DE) Cats

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

  • Average monthly price for a 2-year-old Delaware (DE) Cat with a $500 deductible located in the 90210 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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