7 Best Georgia Cat Insurance Plans for 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

There are many ways we care for our cats – regular vet visits, high-quality food, and now you can add pet insurance to the list. If you’ve never thought about insurance for your cat, this might be the time. It can be a little confusing once you pounce on it, but as a licensed Georgia insurance agent and a cat owner, I am here to help you unravel it like a ball of yarn. This article has you covered if you are a lifelong cat owner in Savannah or a proud kitten parent in Atlanta, Columbus, Athens or Macon.  Read more about our unbiased ranking methodology and advertiser disclosure.

Top Georgia (GA) Cat Insurance Scored, Ranked & With Cost

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

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Georgia (GA) 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
4.4
  • 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 GEORGIA (GA) CATS

$25.78/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 pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR GEORGIA (GA) 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
pumpkin logo
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 GEORGIA (GA) CATS

$24.42/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
4.3
  • 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 GEORGIA (GA) CATS

$22.24/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
4.3
  • 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 GEORGIA (GA) CATS

$20.87/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Georgia (GA) 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
4.3
  • 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 GEORGIA (GA) CATS

$23.16/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 GEORGIA (GA) CATS

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Georgia (GA) 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

Georgia (GA) Cat Insurance FAQs

What is cat insurance?

On a basic level, insurance for cats is similar to human health insurance. Plans may insure a cat against getting sick, mishaps, possibly even wellness visits. Cat insurance policies are offered in three main groups – accident only, illness and accident, and a few providers offer a supplemental preventative “maintenance” plan. Accident policies cover things like broken bones, swallowed objects and diagnostic tests. Insurance plans that also cover illnesses might reimburse for prescription medications, heart conditions, and cancer treatment. Dental damage could be covered if it was a result of an accident or illness but dental cleanings would not be unless you purchased some type of wellness plan.

How does insurance work?

Once you purchase a cat insurance policy, there is a monthly premium (fee) that you are responsible for as well as a deductible that must be met before coverage begins. After you meet the deductible, you can be reimbursed for claims. Some insurance providers will allow you to set up the plan how it works best for you in terms of deductible amount, percentage of claims that will be reimbursed (usually 70, 80 and 90%), and maximum amount that you can be reimbursed per year, known as the annual limit. Purchasing policies for multiple pets will usually get you a discount with most insurance providers.

Here’s how it works: if your deductible is $500, you are responsible for all costs up to that amount. Once you meet the deductible, then you can start submitting claims to be reimbursed. If you chose to be repaid at a rate of 80%, and your vet bill is $1,000, you will be reimbursed for $800. The higher the reimbursement rate, the more you will pay for a monthly premium. You can lower costs by choosing a higher deductible amount, which lowers the monthly fee.

Are there different coverage options? Any exclusions?

Yes, there is different coverage, and how much you pay per month will depend on what type of insurance policy, i.e., the reimbursement rate, annual limit and deductible, as well as how old your pet is, what breed they are, what area you live in, and even their gender. Younger cats are less expensive because they have fewer health issues. Most policies required a kitten to be at least 8 weeks old, but a few allowed as young as 6 weeks. A couple of insurance companies would not give quotes for a cat over 14 years old, and if they did, it was not customizable at all with very high premiums.

No cat insurance policy will cover pre-existing conditions. Those are conditions that exist prior to beginning the policy or a medical issue that comes up during the waiting period. All cat insurance has a waiting period of 2-15 days between when you start the policy and when the coverage actually begins for most accidents and illnesses.

5 Ways to Keep Your Cat Healthy and Safe in Georgia

1. Don’t Declaw

If you’ve decided to let your cat roam outside, take precautions to keep them safe. Never declaw your cat as that is a way for them to defend themselves and gives them the ability to climb away and escape. Also, if they are going to be outside, they should have a collar or microchip in case they get lost.

2. Mind the Weather

Keep in mind that three of the four seasons in Georgia are summer which means it’s hot more often than not. Outdoor cats need access to fresh, cool, clean water and some type of a shelter to get out of the scorching sun. Not all cats like to drink water so feeding them some wet food from time to time will help with hydration.

3. Schedule Regular Vet Visits

Just like dogs in Georgia, cats need regular veterinary visits, too. You can search for vets that specialize in feline care. The checkups allow veterinarians a chance to assess their weight, dental condition, look for early signs of disease and give vaccines.

4. Don’t Give your Cat Milk

Many people know that Coca-Cola was invented in Atlanta, GA. While we sure love our Coke, it tops the list of foods that pets should not consume because it contains caffeine. Other items include chocolate, avocado, onion, grapes, alcohol, nuts (another Georgian staple), garlic and milk. Contrary to popular belief, cats do not have the ability to break down milk in their system due to a missing enzyme.

5. Plants can be Toxic

Cats love to chew on plants but some can be mildly poisonous to very toxic. Here are a few plants to avoid in Georgia: azaleas, birch trees, foxglove, larkspur, mistletoe, water hemlock, lily of the valley, philodendron and many others so check your local poison control.

Conclusion

Whether you just adopted your first kitten or are in your 15th year of cat companionship, buying an insurance plan is a good action to take. The sooner you have a cat insurance plan in place the better as your cat will have fewer pre-existing conditions to be concerned about. Getting a policy at any age for your cat can save you money, though, to cover unexpected accidents or illnesses over the life of your favorite feline.

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 Georgia (GA) Cats

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

  • Average monthly price for a 2-year-old Georgia (GA) Cat with a $500 deductible located in the 30331 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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