7 Best Munchkin Cat Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

One of the most unique cat breeds is the Munchkin cat, which is characterized by extremely short legs caused by a genetic mutation. Although they do occur naturally, many Munchkin cats are bred for this distinctive feature. Unfortunately, because of that genetic mutation, Munchkin cats are sometimes predisposed to certain health issues, mostly related to joints and bones. The most common issues for Munchkin cats are

1) Lordosis, which is a curving spine in the lower back;
2) pectus excavatum, where the cat’s sternum and ribs grow improperly; and
3) osteoarthritis is a degenerative disease of joint tissues, bone, and cartilage.

Although these issues can be serious, your veterinarian can provide various treatments, medications, and sometimes surgery. If you are worried about the costs, enrolling your Munchkin cat in pet insurance is a great step toward making necessary veterinary care more affordable. Many pet insurance providers are on the market, and hopefully, the information provided in this article will help you make sense of it all. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Munchkin Cat Insurance Scored, Ranked & With Cost

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

$15.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Munchkin 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
4.6
  • 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 MUNCHKIN CAT

$24.60/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 MUNCHKIN 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 MUNCHKIN 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 MUNCHKIN 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 MUNCHKIN 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 MUNCHKIN CAT

$31.12/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Munchkin 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 MUNCHKIN CAT

$15.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Munchkin 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

Munchkin Cat Insurance FAQs

What is cat insurance, specifically?

When your cat is sick or injured and requires veterinary care, cat insurance can help you cover the financial costs for that treatment. Think of it as health insurance for your pet. Although your cat insurance plan might not completely pay for the entire bill, it is possible that your plan will take care of a significant portion of the cost, saving you thousands of dollars. After doing some research, you can pick the plan that best suits you and your cat’s needs, as well as your finances. Once you enroll, you must pay a monthly premium to ensure your coverage stays active and in place for when you might need it. Your insurance provider will determine how much reimbursement you can receive once you submit applicable veterinary care bills.

Do I really need cat insurance for my Munchkin cat?

All cats are subject to common feline illnesses like upper respiratory infections, feline lower urinary tract disease, diabetes, or feline leukemia. However, Munchkin cats have several additional breed-specific health issues, mostly due to their unique bone structure. The most serious conditions Munchkins face, as noted previously, are 1) Lordosis, or spine curvature; 2) pectus excavatum, also known as “hollow breast”; and 3) osteoarthritis. Depending on the specific condition, your veterinarian might recommend a multi-layered treatment approach, sometimes including weight management, dietary supplements, medication, physical therapy, or surgery.

Also, due to their more limited mobility and reduced agility, Munchkin cats can be subject to injury if left on higher surfaces like countertops or tall cat towers. Given this fairly wide range of potential health issues for Munchkin cats, having cat insurance in place before you actually need to use it is a good idea.

What is the best age for me to enroll my Munchkin cat?

Most kittens can be weaned at 8 weeks, so that is often the youngest age that you can bring your Munchkin cat home. Many pet insurance providers also require your cat to begin coverage at least 8 weeks or older. For Munchkin cats specifically, if they are diagnosed with pectus excavatum, where the cat’s sternum and ribs grow improperly, the best time for surgery is generally between 8 and 12 weeks old, so having pet insurance in place around this age is recommended.

What types of care are covered or excluded?

As you research your options, you will get a better idea of care coverage, which varies by insurance plan. In general, though, most cat insurance plans should cover veterinary care for unexpected illnesses like infections as well as injuries like broken bones. Since your Munchkin cat’s bone and joint issues might necessitate diagnostic procedures like x-rays, as well as prescription medicine or physical therapy, these are specific things you should make sure are included in your cat insurance plan. Some plans also include coverage for outpatient procedures, emergency hospitalization, and preventative care like dental cleanings.

As with included services, excluded services also vary by plan. In general, though, similar to a lot of human health care plans, most cat insurance plans will not cover the cost of care for pre-existing conditions. Since some of your Munchkin cats’ issues are diagnosed early and best addressed when they are young kittens, it makes sense to enroll your pet as soon as possible to potentially protect you against some of these exclusions.

How does cat insurance work at the vet’s office?

Cat insurance plans are based on a reimbursement model. The pet owner takes the cat to the veterinarian, and the veterinarian charges you directly for their services. After paying the bill, you need to submit a reimbursement request to your insurance provider. Your insurance provider will review your bill and send you the appropriate amount of money.

What type of deductible is best for Munchkin cat owners?

Cat insurance, like other types, has different deductibles and monthly premium choices. High deductible plans, low deductible plans, and sometimes no deductible plans all offer various advantages and drawbacks, depending on what you’re looking for. Munchkin cat owners might consider a lower deductible plan, given the range of medical issues your cat might face. On the other hand, higher deductible plans have the benefit of a lower monthly premium.

5 Useful Strategies for Keeping Your Munchkin Cat Safe & Healthy

While enrolling your Munchkin cat in cat insurance is a great way to help ensure their health, there are other things you can do to give your furry companion a long, healthy, and happy life. With the right care, some Munchkin cats can live up to 15 years.

1. Mental Stimulation

Munchkin cats love to play with their owners and are highly energetic. They’re also very intelligent and benefit greatly from mental stimulation, including enrichment activities and toys like puzzle boxes, treat mazes, circuit and track toys, and even electronic devices with cat-specific apps. Their intense curiosity sometimes gets Munchkin cats in trouble without adequate mental stimulation from toys and activities.

2. Indoor Exercise

Although Munchkin cats are very active, keeping this breed inside is a good idea, rather than allowing them to roam outdoors unsupervised. Munchkin cats thrive in apartments and homes and are known to be a bit too friendly without recognizing the dangers presented by other animals. Because of their smaller size and mobility issues, Munchkin cats are at a physical disadvantage against other cats, dogs, or wildlife predators and are more likely to become injured in fights or attacks. If you truly want to share the great outdoors with your Munchkin cat, a safe and fun option might be investing in an enclosed pet stroller or cat backpack. Other breeds sometimes respond well to being walked with a harness, but the Munchkins’ short legs make this activity less appealing for them since they might tire quickly.

Even though they might not jump as high as their longer-legged counterparts, Munchkin cats still hop and climb and enjoy scratching posts, window perches, and shorter cat towers to help them reach new heights.

3. Nutritious Diet

Munchkin cats are obligate carnivores like all cats, which means their digestive systems have trouble processing grains or gluten. Providing your Munchkin cat with a high-quality, high-protein food, whose first ingredient is meat is an easy way to help them stay healthy. Some veterinarians recommend wet food only, but wet or dry food will work as long as it is good quality and has minimal ingredients. You can also provide a few crunchy treats, some of which have the additional benefits of helping keep your cat’s teeth clean.

4. Love and Affection

One of the reasons Munchkin cats are such a popular breed, aside from their cute appearance, is how generally friendly and loving they are. They love to interact with people and will often delight their owners during playtime by scurrying after toys in a way that is reminiscent of the side-to-side movement of a ferret, or even sometimes sitting up on their haunches like a rabbit.

5. Share the Wealth

Aside from their distinctive appearance, Munchkin cats have another interesting trait that sets them apart from other cat breeds: they’re hoarders. Munchkin cat owners report that they often find jewelry and small, shiny objects missing, only to discover that their cat is the culprit, stashing a hoard of trinkets somewhere in the house. So, if you want to keep your jewelry safe, ensure it’s somewhere high and out of reach and provide your Munchkin cat with plenty of shiny alternatives, like foil crinkle balls or tinsel pom pom cat toys.

Conclusion

Suppose you own a Munchkin cat and are worried about the cost of health issues down the road. In that case, cat insurance can help give you peace of mind that you will be able to provide the best veterinary care for your beloved companion, regardless of your financial circumstances, should they become sick or injured at any time. Picking a cat insurance policy may seem confusing at first due to the wide range of insurance providers out there who offer a lot of different plans, but if you focus on what you think you will need, based on your specific Munchkin cat, you will be able to pick the best plan for you. Simply paying the monthly premium, maybe even using an auto-pay option, will keep your coverage active, so it’s there when you need it.

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

SwiftScore Ranking Methodology for Munchkin Cats

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

  • Average monthly price for a 2-year-old Munchkin 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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