6 Best West Virginia Cat Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

As fellow pet owners, we understand that finding the best pet insurance for your cat or kitten in West Virginia can be intimidating. You want the best rates, the greatest coverage, and–most of all–you want to keep your pet happy and healthy. My team and I have researched all the available options for you in regards to West Virginia cat insurance. We want to help guide you through this process so that you feel completely comfortable making a decision.

If you live in Charleston, Morgantown, Sistersville, or anywhere in between, we’ve got you covered with this article all about West Virginia cat insurance!  Read more about our unbiased ranking methodology and advertiser disclosure.

Top West Virginia (WV) Cat Insurance Scored, Ranked & With Cost

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

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 WEST VIRGINIA (WV) CATS

$14.41/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with West Virginia (WV) 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
pumpkin logo
4.8
  • 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 WEST VIRGINIA (WV) CATS

$21.32/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
4.8
  • 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 WEST VIRGINIA (WV) 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
4.7
  • 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 WEST VIRGINIA (WV) CATS

$28.97/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
4.6
  • 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 WEST VIRGINIA (WV) CATS

$23.14/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
4.6
  • 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 WEST VIRGINIA (WV) CATS

$26.38/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

4.9
  • 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 WEST VIRGINIA (WV) CATS

$14.41/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with West Virginia (WV) 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

West Virginia (WV) Cat Insurance FAQs

As a West Virginia cat owner, is it worth insuring my cat?

Although paying for cat insurance every month may seem like a needless expense, it is that same pet insurance that can come in clutch in the case of an unexpected veterinary visit. Pet insurance can help reduce the stress that a sudden feline illness or injury can cause.

How does pet insurance work?

Pet insurance isn’t the same as human health insurance. Usually, the way you use pet insurance is that you pay your vet bill before submitting a claim to your particular insurance company. Then, your insurance will later reimburse you for a certain amount of that cost. After paying your deductible, you will typically receive an 80% reimbursement rate, depending on your insurance company and policy.

What does cat insurance cover?

Cat insurance, like dog insurance, usually covers expenses related to broken bones, infections, emergency surgeries, and allergic reactions. Typically, your pet insurance will not cover a pre-existing health condition, so we recommend that you start your cat on insurance while they are still young. Additionally, pet insurance doesn’t usually cover things like routine wellness exams and checkups, spay/neuter operations, and vaccinations.

Overall, you will be paying a little more each month so that, in the case of an unexpected emergency with your feline, you can pay less in the way of vet bills.

How old does my cat need to be for me to get them insurance?

The typical requirement as far as age is that your puppy needs to be at least 8 months old, which is a fair deal older than puppies need to be to get insurance. Although you will be paying most of your expenses before the 8-month mark out of pocket, it is still cheaper to insure a kitten than an adult cat, so we recommend purchasing insurance for your kitty before their first birthday.

In West Virginia, how much will cat insurance cost me?

If you are purchasing a basic insurance plan for a kitten, the average monthly payment for a domestic short hair kitten is around $15 and is around $16 for a larger kitten like a maine coon. If, however, you are purchasing a basic plan for an adult domestic short hair or similar-size breed, the average will be around $17 for a small adult and around $20 for a larger adult cat. By location, Charleston, WV seems to have higher monthly rates on average for cat insurance than areas like Huntington and Morgantown.

How do I know which vet will take my pet insurance?

One of the perks of pet insurance is that you can pick any vet you want! Your pet insurance company won’t pay your vet directly the way our health insurance directly pays our doctors, but rather they will reimburse you after you have paid the vet and submitted a claim to your insurance yourself. Because there is no direct exchange between your insurance and your vet, your decision is unhindered!

Which is better, a high or low deductible?

Usually, a lower deductible means that you will pay more per month for your pet insurance while paying less for expensive vet bills should an accident or illness occur. Consider your current financial situation to determine which, high or low, deductible you can afford. Check your insurance’s website to see if they offer an easy-to-use quote calculator to help you decide between a high or low deductible.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in West Virginia

As if emergency accidents and illnesses weren’t enough, there are still the daily romps and routines you need to worry about to keep your cat safe. Listed below we have 5 strategies for ensuring and maintaining your cat’s health and safety in West Virginia:

1. Always Have Your Cats Collared and Microchipped

West Virginia animal shelters are consistently posting missing pet alerts on Facebook, so make sure your cat is wearing a collar with updated tags and consider having them microchipped even if they are an only-indoor cat, just in case they get lost.

2. Monitor the Weather

Because West Virginia summers are notorious for reaching upward of 95 degrees, avoid leaving your cat–or any pet–alone in your car.

3. Know the Local Wildlife

If you and your cat enjoy harness-and-leash strolls and you suspect there are snakes near your favorite walking spots, keep you and your cat clear in case West Virginia’s two types of venomous snakes, the northern copperhead and the timber rattlesnake, decide to show up, too.

4. Lock Away Food and Cleaners

Keep food waste and household cleaners safely locked away, as cats are known for climbing where they should not climb and going where they should not go in the house.

5. Be Cautious of Leaving Your Outdoor Cat Unattended

Though large predators like black bears and coyotes are not commonly seen in West Virginia neighborhoods, they have been known to occasionally roam West Virginia hills, so be leery of letting your indoor cat outside unattended.

Conclusion

Picking cat insurance in West Virginia, while important business, doesn’t need to be a daunting task. It may add to your monthly expenses, but pet insurance can mean the different between the wellbeing of your beloved feline and unforeseen financial difficulty that forces your hand towards euthanization. If you adopt a kitten and have the finances to do so, we recommend purchasing your kitty insurance once they have hit the 8 month age requirement; however, we believe that getting your cat insurance at any stage of their life can be a beneficial decision for both your finances and your feline.

Ready to get started? After countless hours of research, we’ve found that Figo pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for West Virginia (WV) Cats

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

  • Average monthly price for a 2-year-old West Virginia (WV) Cat with a $500 deductible located in the 25311 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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