7 Best Pennsylvania (PA) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

As a cat owner and licensed Pennsylvania insurance agent, I know enrolling in cat insurance can feel overwhelming. I compiled a list of things you need to know about cat insurance to make this process easier. Cats across PA can benefit from insurance coverage, whether they live in small towns or Liltitz, or large cities. So, if you are a Liberty State cat owner, this article will help you. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Pennsylvania (PA) Cat Insurance Scored, Ranked & With Cost

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

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Pennsylvania (PA) 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 PENNSYLVANIA (PA) 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 PENNSYLVANIA (PA) CATS

$24.75/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 PENNSYLVANIA (PA) CATS

$17.80/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Pennsylvania (PA) 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 PENNSYLVANIA (PA) CATS

$40.52/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
4.3
  • 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 PENNSYLVANIA (PA) CATS

$27.48/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
4.2
  • 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 PENNSYLVANIA (PA) CATS

$30.31/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

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 PENNSYLVANIA (PA) CATS

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Pennsylvania (PA) 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

Pennsylvania (PA) Cat Insurance FAQs

What is cat insurance and how does it work?

Cat insurance is medical coverage for feline friends. The purpose of cat insurance is to support cat owners with paying for veterinary bills that result from necessary medical care.

To enroll in cat insurance, the first step is to find the right plan for you and your cat in terms of services covered, deductibles, and monthly payment amounts. Upon enrollment, you then need to submit payments monthly in order to keep the policy active. As long as the policy is active, you can then begin receiving financial support when the need arises.

Most cat insurance plans use a reimbursement model, which means that cat owners pay the veterinarian first, and then can submit a reimbursement request to the insurance provider to be reimbursed for a portion of the costs.

Are there any age requirements that need to be met in order to enroll in cat insurance?

While there are typically no age limits for coverage, most cat insurance requires kittens to be at least 6 weeks old before enrolling in cat insurance.

What does coverage entail? Is all veterinary care covered by cat insurance?

Coverage varies by plan, but in general, most cat insurance plans primarily cover any veterinary care that is needed to treat sudden illnesses and injuries. Basically, if your kitty breaks a bone or becomes ill with the flu, your insurance company would help pay the treatment bills for those conditions.

Not all veterinary care is covered by insurance. While some plans cover more services than others, it is uncommon for cat insurance plans to cover care for pre-existing conditions. If your kitty has a pre-existing condition, it is important to know that you will most likely still be responsible for paying the veterinary bills that result from any treatment for the condition out-of-pocket.

How does reimbursement work?

After your cat receives veterinary care, you will receive a bill from the vet. In most cases, you are responsible for initially paying the full amount of the bill but can later submit a reimbursement request to your insurance provider. You will then be reimbursed for a portion of the costs that you incurred in veterinary bills.

The amount that you are reimbursed depends on your reimbursement rate and deductible. For example, if you are enrolled in a plan with an 80% reimbursement rate, you will be reimbursed 80% of the veterinary bill minus your deductible.

Should I enroll in a plan that has a lower deductible?

A plan with a lower deductible usually means that you would have a higher monthly payment amount, but would be eligible for reimbursement sooner than if you needed to meet a higher deductible. Some cat owners prefer this type of plan, while others prefer higher deductible plans because of the lower monthly payment. Whichever type of plan you select is based on personal preference.

Are there any restricted cat breeds for homeowners insurance in Pennsylvania?

Cats are usually not among pets commonly restricted from homeowners insurance. These restrictions typically apply to aggressive dog breeds, such as German Shepherds and Pitbulls.

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

Cat insurance is helpful when your kitty needs medical treatment. However, there are many strategies that you can implement into your cat’s daily routine and overall lifestyle that can keep your kitty healthy and out of the vet’s office.

1. Well-balanced Nutrition

A healthy diet is essential for keeping your feline friend healthy. A diet that has plenty of protein and whole food-sourced ingredients is recommended. Also, many vets suggest that cats consume a proper balance of wet and dry food, not just dry food, because wet food helps support proper hydration.

2. Hydration

It is important for cat owners to monitor their cat’s water intake, as cats are prone to urinary tract infections when dehydrated. In addition to providing your cat with wet food, another suggestion is to put out multiple bowls of water in various locations around your home so that your kitty always has access to water.

3. Flea and Tick Prevention Treatments

Fleas and ticks can be quite the pests, not just because of the itchy discomfort that they cause, but also because of the potential health impairments resulting from an infestation. It is important to administer regular flea and tick prevention treatments to protect your kitty from fleas and ticks, either at home or at the vet.

4. Safety during severe weather

Pennsylvania often experiences a wide range of weather, including severe thunderstorms. If your cat enjoys spending time outside, be sure to keep them inside if a storm is brewing.

5. Treat/snack limits

While all cats deserve a treat once in a while, limiting how many snacks and treats your cat eats each day is important, as cats can gain weight easily.

Conclusion

Enrolling your feline friend in cat insurance may seem overwhelming, but fear not: you are not alone. To get started, all you need to do is find a plan that is a good fit for both you and your cat. Then, be sure to make a monthly payment to keep your policy active, and then you are all set! While enrolling in cat insurance does create another monthly bill, you will be glad you did if/when you are unexpectedly plagued with hefty 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 Pennsylvania (PA) Cats

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

  • Average monthly price for a 2-year-old Pennsylvania (PA) Cat with a $500 deductible located in the 19128 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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