7 Best Indiana (IN) Cat Insurance Plans Compared Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

When you first start looking into getting pet insurance for your cat in Indiana, you might feel a little overwhelmed. Choosing the right plan and insurance company from all the options you have can be tricky.

As a loving cat owner and licensed Indiana insurance agent, I can provide some helpful guidance. I know the legal jargon you’ll find in pet insurance policies is mind-numbing and confusing and I completely get it: you want to make the best choice for your furbaby.

If you live in Indianapolis, Fort Wayne, Bloomington or any other part of Indiana, you’ll find the answers you’re looking for in this article. Here are the top 7 best Indiana cat insurance plans for 2022.  Read more about our unbiased ranking methodology and advertiser disclosure.

Top Indiana (IN) Cat Insurance Scored, Ranked & With Cost

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

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Indiana (IN) 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 pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR INDIANA (IN) CATS

$19.96/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
4.4
  • 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 INDIANA (IN) 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
4.4
  • 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 INDIANA (IN) CATS

$27.00/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 INDIANA (IN) CATS

$17.78/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Indiana (IN) 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 INDIANA (IN) CATS

$22.31/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 INDIANA (IN) CATS

$23.96/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 INDIANA (IN) CATS

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Indiana (IN) 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

Indiana (IN) Cat Insurance FAQs

Cat owners in Indiana often ask me these questions. Here are my answers to frequently asked questions about purchasing pet insurance in Indiana.

Why Is It Important To Get Cat Insurance in Indiana?

No one wants to imagine their cat having an accident or getting sick. It’s a topic that most cat owners avoid thinking about. But at some point during your cat’s life, it could have an illness or injury that causes a costly vet bill.

The good news is, if you find a good veterinarian and detect any health problems early on, you can often catch illnesses before they become a big issue. If you want to be certain that your kitty is going to live a long, happy life, you’ll want to get pet insurance. It could also keep you from having to make a heartbreaking decision: having to euthanize your cat when you can’t afford the vet bill.

What is cat insurance and why is it useful in Indiana?

To keep your cat fully protected, you need to sign up for a good pet insurance company and make the monthly payments to keep your policy active. If your cat has an injury or illness, the norm is for you to pay the veterinary bill yourself, submit a claim, then get reimbursed the cost by your pet insurance company. An important thing to know is that most insurance companies won’t cover any costs that stem from pre-existing conditions. This is why it’s a good idea to get your cat signed up for pet insurance coverage while it’s still a kitten (after it’s 8 weeks old).

It can pay off big-time to have cat insurance in Indiana. If your cat were to get diagnosed with cancer, the treatment would cost over $10,000. That’s a huge bill. It’s a sad and avoidable tragedy when cat owners have to make the dreaded decision to have their cat put to sleep because of sky-high vet bills like this. This can all be avoided by having pet insurance coverage in place.

How young can I get my kitten insured?

Most pet insurance companies require your kitten to be older than 8 weeks of age before being insured. Most insurance companies don’t have an age limit for cats to get signed up. To avoid pre-existing conditions, I recommend having your cat protected by a good pet insurance policy. You’ll also pay less for insuring younger cats.

Is it worth it to get cat insurance in Indiana?

You never know when your cat will have an illness or injury resulting in super high veterinary costs. It’s not abnormal for cat owners to have to pay $3,000 or more when they need to make an emergency trip to the animal hospital.

In the end, it’s your decision. It’s up to you whether paying the cost of a monthly premium is worth making sure your cat is covered by pet insurance should something unexpected happen. Indiana veterinarians are often more expensive than in other states, which is another reason why it’s an excellent decision to have good pet insurance in place in this state.

What is covered by cat insurance, and what’s excluded?

Pet insurance companies vary in what conditions they cover. Most of the time, your pet insurance will cover any illness or accident your cat has unless it’s specifically excluded. Any illness or injury that could be considered “sudden and catastrophic” will normally be covered.

Broken bones, eye infections, and allergies are common examples of things that would be covered by cat insurance. On the other hand, if your cat already has cancer when you sign them up for pet insurance, that pre-existing condition will not be covered.

“Wellness” packages are becoming more commonly offered by pet insurance companies. These plans will cover the costs of routine care, including vaccinations, annual checkups, and flea prevention.

How do I get reimbursed for my vet bills?

Let’s imagine you have purchased an insurance plan for your cat that has a 90% reimbursement amount, a $250 deductible, and a $20,000 annual max benefit. Then (heaven forbid) your cat has an accident that results in a gigantic vet bill of $10,000. In this example, the pet insurance company would reimburse you for $9,000 of your veterinary costs after subtracting the $250 deductible. When it’s all said and done, instead of paying a $10,000 vet bill out of your own pocket, you’ll end up only paying $1,250.

Trupanion is the only pet insurance provider that doesn’t do things this way. They pay their in-network veterinarians directly, meaning you have no out-of-pocket expenses.

Is it better to choose a pet insurance policy with a lower deductible?

A low deductible amount means your monthly payments will normally be higher. You’ll be spending more each month, but you won’t have to handle majorly expensive vet bills if your cat has a health emergency.

I recommend doing the math yourself, as only you know your exact financial situation. A lot of pet insurance companies have a handy calculator you can use when you’re getting a quote. The majority of pet owners choose a $250 or $500 deductible.

Are there restrictions on cat breeds for homeowners insurance in Indiana?

Some homeowners insurance providers have restrictions for certain cat breeds. This happens when a cat is considered a higher risk profile, like an exotic cat. This might mean they’re excluded from your policy. The breeds that are most often excluded are:

  • Bengal
  • Chausie
  • Keetso
  • Egyptian Mau
  • Savannah

I recommend contacting your homeowner’s insurance company and inquiring whether your insurance policy covers your cat’s breed. You may need a special liability rider for your cat to be covered.

5 Useful Strategies for Keeping Your Cat Safe and Healthy in Indiana

Prevention is indeed the best medicine. If you take these important preventative measures, you’ll make sure that your cat isn’t at risk of having a health emergency.

1. Keep them nice and warm during cold weather

In winter, it gets mighty cold in Indiana, so you need to make sure your kitty stays nice and warm. Keep your cat inside with you at all times during the winter, making sure they are in a nicely heated room. Avoid keeping your cat in the basement, as this area is usually colder. If your cat has a cat bed, raise the bed off the floor.

2. Provide a clean litterbox

Dirty litter boxes are not only smelly, they can cause serious health risks for your cat. Cats will hold off on urinating in order to avoid stepping into a dirty litter box, which can result in painful and dangerous feline urethral obstruction (FUO). Scooping your cat’s litter regularly will also help you to detect serious medical concerns early. If you spot a significant change in their stools or urine, or in the frequency of using the litter box, tell your veterinarian.

3. Give your cat enough water

Cats can get badly dehydrated if you don’t ensure they are drinking enough water. This can result in urinary tract infections and digestive problems, as well as FUO. To make sure your kitty gets enough water, place water dishes in multiple spots around the house. Don’t put a water dish next to a litter box, because your cat will avoid drinking from it. Keep your cat’s dishes filled with water at all times.

4. Keep your cat’s vaccinations up to date

Do you really need a rabies vaccination for your indoor cat? The answer is yes. Keeping your cat up to date on its vaccines will ensure that they are safe in the event of something unexpected happening, like an infected animal entering your home. Rabies is almost always fatal once it sets in, so it’s not worth the risk.

5. Provide enrichment and exercise for your cat

A happy cat is a healthy cat. Cats are naturally very active, so it’s essential to give them lots of opportunities to exercise. Playing with them regularly will keep them mentally and physically stimulated. A simple feather on a stick or a laser pointer can keep your kitty playing for hours!

Conclusion

Finding the best pet insurance for your cat in Indiana shouldn’t be a difficult process. I recommend getting your cat covered with a good insurance plan until it reaches 8 weeks of age. The younger you enroll your cat in pet insurance, the less likely they will develop a pre-existing condition that’s excluded from their coverage.

If your cat is older, it’s still a good idea to find a pet insurance plan to protect them in the event of an illness or injury. Planning ahead in this way will ensure your cat lives a healthy and happy life and will save you from paying enormous veterinary bills.

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 Indiana (IN) Cats

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

  • The average monthly price for a 2-year-old Indiana (IN) 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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