7 Best Ohio (OH) Cat Insurance Plans Compared in 2024

Updated on April 15, 2024 by Matthew H. Nash – Licensed Insurance Agent

Cat parents throughout Ohio purchase pet insurance to mitigate the painfully expensive costs of urgent veterinary care. But, unfortunately, choosing a policy can confuse and overwhelm even the savviest people. So my team and I researched the best Ohio cat insurance plans to streamline your search and save you time and energy. Whether you live in Marietta, Cincinnati, Akron, Defiance or anywhere in between, this guide has all the information you need. We may receive compensation when you click on the affiliate links below.

Top OH Cat Insurance Scored, Ranked & With Cost

Use our below table to compare the best pet insurance providers in Ohio quickly. The average monthly Ohio specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Ohio with a 85050 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your pet. Prices are accurate as of January 2024 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 Ohio cat parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OHIO

$11.17/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Alabama pet 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
odie insurance
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Ohio cat parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OHIO

$12.21/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Odie has several options available to suit any pet parent’s budget including: complete coverage, injury & illness, and accident only plans
  • They also offer a free 24/7 video chat with vets
  • Founded in 2019 and underwritten by Trisura Insurance Company
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Ohio cat parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OHIO

$16.35/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Ohio 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 Ohio cat parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OHIO

$20.66/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • They 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
fetch insurance
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Ohio cat parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OHIO

$21.66/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Fetch makes it easy to use any licensed vet in the U.S. or Canada
  • Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit
  • Protecting 400K+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot
embrace
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Ohio cat parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OHIO

$26.10/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
trupanion
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Ohio cat parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OHIO

$31.35/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

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Ohio cat parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OHIO

$11.17/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Ohio pet 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

How much does cat insurance cost in Ohio for the 15 most popular breeds?

The price for Ohio dog and cat insurance is almost always the same throughout the state including in Jackson, Montgomery, Mobile, Birmingham, or Brewton etc. However, the prices will vary based on the age, health and breed of your pet.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of January 2024 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in Ohio we suggest getting a quote directly with Lemonade Pet Insurance or Figo.

Cat Insurance Prices in Ohio:

  1. Mixed Breed – $13.83/ mo
  2. American Shorthair – $16.35/ mo
  3. Bengal – $16.35/ mo
  4. Bombay – $16.35/ mo
  5. British Shorthair – $16.35/ mo
  6. Exotic – $16.35/ mo
  7. Himalayan – $16.35/ mo
  8. Maine Coon – $17.24/ mo
  9. Persian – $17.24/ mo
  10. Ragdoll – $17.24/ mo
  11. Russian Blue – $16.35/ mo
  12. Scottish Fold – $17.24/ mo
  13. Siamese – $17.24/ mo
  14. Sphynx – $16.35/ mo
  15. Abyssinian – $16.35/ mo

Not finding your specific pet breed? Lemonade is our #1 recommendation for Ohio and they’ll be able to give you a quick quote for your exact needs.

Ohio Cat Insurance FAQs

How does Ohio cat insurance work?

Cat insurance safeguards against financial hardship due to emergency veterinary care fees. To protect yourself and your cat with insurance, you must apply for a plan from the provider of your choice. Remember to stay on top of your monthly premiums to maintain an active policy.

Then, if your cat needs urgent care, pay the vet bill at the time of service. After which, you can immediately file a claim for reimbursement using your receipt and invoice. Most insurers aim for speedy reimbursements, but it’s always worth asking your provider how long the average claim review and reimbursement process takes.

My team and I suggest applying for a policy once your cat turns 8 weeks since healthy kittens and younger cats get more coverage at a lower rate. Regardless of your cat’s age, pet insurance gives you peace of mind knowing that your cat can get whatever treatment or procedure they need, regardless of cost.

Is there a minimum age requirement for cat insurance?

Most cat insurance companies require your little friend to be at least 8 weeks before you can put a policy in place for them. That said, cats of most ages are eligible for coverage. Contact your preferred insurers to see if they have age limits for new policies.

Once your cat is insured, most companies will provide coverage for the rest of their life should you wish to retain it that long. The key to understanding cat insurance is that the younger and healthier the cat, the broader their coverage and the cheaper their premiums will be.

Will OH cat insurance be worthwhile?

As is true for cats in all states, Ohio cats will most likely experience unforeseen accidents or illnesses, leading to high vet bills. Emergency services tend to cost exponentially more than routine veterinary care, making the financial support that cat insurance provides extremely valuable. However, you must figure out whether paying monthly insurance premiums will prevent the stress and headaches that come with high out-of-pocket costs should your cat fall ill or get injured.

What do standard cat insurance plans cover and exclude?

While all insurers offer different levels of coverage, most standard cat insurance plans will include veterinary care, treatment and procedures for sudden, catastrophic injuries and ailments unless the issue is a pre-existing condition or due to neglect. Furthermore, routine dental care, preventative care, elective procedures and treatment for behavioral problems will not fall under coverage.

Examples of covered health problems may include broken bones, lacerations, eye infections, urinary blockages, respiratory infections and more. Should you wish to have more comprehensive coverage, we suggest purchasing an option wellness package that will reimburse for annual exams, vaccinations, deworming, etc.

How much will my insurer reimburse me?

How much your insurer will reimburse you depends on the provisions in your policy and whether the veterinary services your cat received fall under your plan’s benefits.

For example, let’s say your cat had a life-saving operation that cost $5,000 and is eligible for reimbursement. Suppose your policy states that you have a $250 deductible, a 90% reimbursement rate and a $20,000 annual benefit amount. In that case, you could expect your provider to reimburse you $4,500 less your $250 deductible, putting their share at $4,250 and yours at only $750.

If you want to avoid the reimbursement process altogether, Trupanion is your best bet. They will pay the veterinarian directly if you take your cat to a licensed professional within their network.

Is a higher or lower deductible more advantageous?

There is no right answer to this question as it differs from one cat parent to the next based on financial circumstances. The good news is that there are benefits to both options.

For example, a lower deductible requires you to pay a higher monthly premium, but you’ll have a lower out-of-pocket responsibility in a veterinary emergency. In contrast, a higher deductible will get you a lower monthly rate but require you to pay more in the event of an emergency.

My team and I recommend running the numbers, seeing which option you feel most comfortable with and choosing accordingly. We’ve found that most Ohio cat parents opt for a $250 or $500 deductible.

Do homeowners insurance providers restrict any cat breeds?

Unlike dogs, homeowners insurance companies do not have cat breed restrictions. But, of course, it never hurts to double-check with your provider.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Ohio

1. Ensure your cat receives regular flea and tick treatment

If you have an outdoor or an indoor-outdoor cat, treating them for fleas and ticks is critical to their health. Fleas alone can cause tapeworms, anemia, skin problems and bacterial diseases, and ticks can transmit diseases that are even more threatening to your cat’s health than Lyme. Whatever you do, stay consistent on your flea and tick treatments. Spot-on treatments are preferable since collars can irritate and even burn cats’ skin. Consult your veterinarian for a prescription.

2. Feed your cat a species-specific diet

Your cat’s health is directly related to the food they eat. Therefore, it’s important to stick with a species-appropriate diet. And since cats are obligate carnivores, look for raw or canned cat food with the highest amount of protein free from cheap fillers, such as corn, soy, gums, wheat and other grains. Please do not feed your cat kibble as a primary food source since it lacks moisture and has tons of carbohydrates, which lead to diabetes, obesity and other life-threatening diseases.

3. Be sure your cat stays hydrated

In nature, it’s typical for cats to get the necessary moisture from their prey, which means they are not inclined to drink water. However, you can do some things to help your little friend stay hydrated. The first and most obvious is to give them a bowl of water you regularly wash and refill. Unfortunately, some cats refuse to drink from a bowl, so you may need to splurge on a cat fountain if that’s the case. And in addition to feeding them water-rich foods, mix a small spoonful or two of water into each meal. Staying well-hydrated is key to good kidney health.

4. Engage your cat in play and games daily

Your cat will need more than just food and affection to enjoy life and stay healthy. Without play and games, your cat risks becoming bored, depressed and overweight. Aim for at least 2 play sessions per day of 10-15 minutes, and be sure to incorporate treat puzzles, feather wands, balls and catnip toys. Doing so will provide great mental stimulation and allow them to burn off excess energy. Better yet, it’s an excellent opportunity for you both to bond.

5. Keep your cat’s litter box clean and fresh

Not regularly tending to your cat’s litter box can stress your can out and lead to them “taking care of business” elsewhere in your house. It can also result in urinary tract infections. To keep your cat’s box as hygienic as possible, clean it at least 2-3 times daily. And then, every 10-14 days, empty the litter box, wipe it down with a vinegar-water spray, dry and then refill it with fresh litter. Routine cleanings will prevent excess bacteria from collecting. We recommend fragrance-free clumping litters as they have significantly less dust and are much better for your cat’s health.

5 Unique Cat Rescue Shelters in Ohio

1. The Tenth Life in Dayton, OH

Tenth Life is a no-kill shelter founded by a couple in 1984. Today, it is home to more than 400 cats who live in comfortable, animal-safe rooms and buildings. They have state-of-the-art on-site veterinary facilities, a full-time veterinarian and over 60 volunteers who tend to all the cats’ non-medical needs. Adoptions are done by appointment only, and they have kittens as young as 4 months to senior citizen cats. All cats come spayed or neutered; microchipped; tested for FIV and FeLV; vaccinated for rabies, feline distemper and leukemia; and they come with a collar, ID tag, catnip mat, sample bag of food and a cat care pamphlet.


2. Paws and Whiskers Cat Shelter in Toledo, OH

Paws and Whiskers is Toledo’s only non-profit, no-kill, cat-only shelter, and its doors opened in 1996. On average, they find over 700 cats forever homes each year. All cats who join the shelter have a physical exam to check for injuries, are treated for fleas and intestinal parasites, tested for FIV and FeLV and receive whatever medical care they need. Spaying, neutering, vaccinating and microchipping are also part of the process. All receive food, water and a safe place to rest and sleep.


3. Paws Ohio in Cleveland, OH

PAWS has been serving northeastern Ohio stray, abandoned, abused and injured cats and dogs since 1976. They are known for rescuing animals that most organizations would euthanize by getting them urgent veterinary care and giving them the time and love necessary to heal. PAWS runs strictly on donations and the time and energy of its on-site volunteers and foster home volunteers. By adopting a new feline friend from PAWS, you can expect them to be spayed or neutered, vaccinated and tested for worms, FeLV and FIV.


4. Friends of Felines’ Rescue Center in Defiance, OH

FFRC is a home for cats where they can roam freely throughout the center, play with one another and the many toys, meander around on the hundreds of feet of catwalk and socialize with the volunteers. The center is cleaned daily to an extremely high standard, and all cats have safe, clean sleeping quarters. All cats receive extensive testing and treatments for parasites and diseases and vaccinations. Each is spayed or neutered, and they are adopted out to people who agree to keep them as indoor cats.


5. Cozy Cat Cottage Adoption Center in Powell, OH

Cozy Cat Cottage Adoption Center has been around since 1998 when couple Cindy and Casey Clum started it to help and protect the injured, abandoned, abused and forgotten cats of their region. Since then, Cozy Cats has found forever homes for an average of 500 cats yearly. As a no-kill organization, cats can stay at the Center as long as they need. Before moving to their adopted homes, each cat will get two vet exams, spaying or neutering, age-appropriate vaccinations, standard tests and parasite treatments (if need be).


Conclusion

Don’t let the task of finding the best Ohio cat insurance plan for your kitten or adult cat overwhelm you. This article will help you be able to walk you through the ins and outs of the process, helping you make an informed choice. Remember that the younger your kitty is when you insure them, the more comprehensive and cheaper your coverage will be. Of course, having a policy in place for your cat, regardless of age, will prove essential in protecting you against steep vet bills and supporting your cat in getting life-saving care, no matter the cost. If you’re looking for an excellent place to start, my team and I have found Lemonade to offer cat parents the best overall service, coverage and affordable premiums.

SwiftScore Ranking Methodology for Ohio

We ranked the best pet insurance policies in Ohio based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Ohio with a 85050 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