7 Best North Dakota (ND) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Does the idea of your kitty falling ill stress you out? Are you afraid that if your cat needed significant veterinary care, you wouldn’t be able to afford it? I know all too well what it feels like to worry about your furry buddy. As a licensed North Dakota insurance agent and cat owner, I created a guide to help you through insuring your beloved pet. So, if you live in Fargo, Bismarck, Mandan, or Williston, your kitty can be covered by medical insurance. If you are a cat owner in North Dakota and have questions about cat insurance, this article may be able to help. Read more about our unbiased ranking methodology and advertiser disclosure.

Top North Dakota (ND) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best North Dakota (ND) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old North Dakota (ND) 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 NORTH DAKOTA (ND) CATS

$11.33/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best North Dakota (ND) 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 pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR NORTH DAKOTA (ND) CATS

$14.73/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
4.5
  • 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 NORTH DAKOTA (ND) CATS

$13.68/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with North Dakota (ND) 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
4.5
  • 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 NORTH DAKOTA (ND) CATS

$23.43/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 NORTH DAKOTA (ND) 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 NORTH DAKOTA (ND) CATS

$18.00/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 NORTH DAKOTA (ND) CATS

$25.35/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 NORTH DAKOTA (ND) CATS

$11.33/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best North Dakota (ND) 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

North Dakota (ND) Cat Insurance FAQs

What is cat insurance? How does it work?

Cat insurance is medical insurance for felines. As previously mentioned, the purpose of cat insurance is to help cat owners with paying for veterinary bills, as veterinary care can be expensive.

The process of enrolling in cat insurance is quite simple. First, you need to select the right plan for you and your cat. Then, you are required to submit a monthly payment in order to keep the insurance policy active. Then, when your kitty needs medical care, you can submit a reimbursement claim to your provider.

How old does my kitten need to be to be eligible for cat insurance?

Most cat insurance plans require that kittens be at least 6 weeks old before they are able to enroll in coverage. However, kittens generally cannot be separated from their mothers before 6 weeks, so if you adopt a kitten, eligibility begins right when they arrive at your home.

My cat is healthy. Why do I need cat insurance?

Even if your cat is healthy, sudden illness and injury are still possible. For this reason, cat insurance can be an important tool to have in the case of hefty unexpected vet bills.

What is covered by cat insurance? What is excluded from coverage?

Coverage varies by insurance plan. At a minimum, cat insurance plans cover care for sudden illness and accidents. Some plans also include coverage for preventative care, including routine physical appointments and medical imaging. You may also be able to add supplemental coverage for an additional cost, such as coverage for prescriptions and flea and tick treatments.

Cat insurance plans tend to cover most veterinary care. However, cat insurance plans rarely cover any treatment that is needed for pre-existing conditions.

How does my insurance provider determine how much I will be reimbursed?

After your cat receives medical treatment, you will receive a bill from your vet, which you are responsible for paying in full. Then, you can submit a reimbursement request, along with a copy of the bill, to your insurance provider.

Once your provider receives the request, the amount that you will be reimbursed is determined using your reimbursement rate, your deductible (if you are enrolled in a plan with a deductible), and your annual maximum benefit.

Do cat insurance plans have deductibles?

Some cat insurance plans have deductibles and others do not. There are numerous plans available that accommodate the needs of all cat owners, including plans with high deductibles, low deductibles, and no deductibles. Whichever type of play you choose, your kitty will be covered; your decision simply depends on your financial needs.

Are there any restricted cat breeds for homeowners insurance in North Dakota?

Cats are usually not restricted by homeowners insurance. Pet restrictions typically apply to aggressive dog breeds, such as Pitbulls and Rottweilers. However, we recommend that you contact your insurance provider for clarification.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in North Dakota

Even when your kitty is healthy, it is still important to implement regular strategies so that he or she can stay healthy!

1. Regular Grooming

While cats are known for cleaning themselves, brushing your cat each day can help to prevent excess hairballs that can become lodged in your cat’s digestive tract.

2. Maintain a Clean Litter Box

Not only can litter boxes start to smell, but dirty litter also is simply unsanitary and can negatively impact your cat’s health. Be sure to scoop your cat’s litter box and provide fresh litter regularly.

3. Give them their own space

While some cats can be quite social, many cats enjoy having their own space to lounge, nap, and play independently. One recommendation is to make sure your cat has a space in your home that is “cat friendly” and welcoming so that your cat feels safe and comfortable

4. Be aware of local wildlife

While most wild predators live in more isolated areas of North Dakota, the state is still home to bears, moose, and bobcats. If you own a cat that enjoys spending time outside, it is important to be aware of local wildlife that may be living nearby.

5. Spay/Neuter

It is a good idea to spay/neuter your cat when possible. Female cats that are not spayed can become pregnant when they are as young as 6 months old, resulting in complications for both the mother and her babies. In addition, male cats who are not neutered can become aggressive, especially towards other cats.

Conclusion

While the process of enrolling in cat insurance may seem daunting, all you need to do is follow three simple steps: find a plan, make a monthly payment, and then request reimbursement when necessary. That is all there is to it! Even the healthiest cats can become sick and it is always better to have coverage in case you need it. Cat owners want as much time as possible with their furry friends, and cat insurance can help make this possible.

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 North Dakota (ND) Cats

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

  • Average monthly price for a 2-year-old North Dakota (ND) Cat with a $500 deductible located in the 58104 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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