6 Best Wyoming (WY) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

As a licensed Wyoming insurance agent and cat dad, I understand owners’ challenges when deciphering policy jargon and determining the best cat insurance company. I have researched insurance for Wyoming cats. Whether you live in Jackson, Sheridan, Cheyenne, Evanston, or somewhere between, this article has all the information you need to find the perfect policy for your best buddy. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Wyoming (WY) Cat Insurance Scored, Ranked & With Cost

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

Figo
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 WYOMING (WY) CATS

$11.59/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Wyoming (WY) 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
4.9
  • 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 WYOMING (WY) 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
4.7
  • 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 WYOMING (WY) 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
4.6
  • 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 WYOMING (WY) CATS

$30.68/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
4.5
  • 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 WYOMING (WY) 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
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 WYOMING (WY) CATS

$27.33/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

Figo
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 WYOMING (WY) CATS

$11.59/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Lemonade has the best Wyoming (WY) 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

Wyoming (WY) Cat Insurance FAQs

What is cat insurance? Why is it useful in Wyoming?

To protect your cat fully with insurance, you must first apply with an insurance company and pay the monthly premiums to keep your cat’s policy active. If your feline friend becomes ill or is involved in an accident, you will need to pay the vet bills at the time of service. Afterward, you can submit a claim for your insurer to reimburse you. It is essential to mention that most insurance companies exclude pre-existing conditions from coverage, which is why we recommend getting your cat insured in its kitten phase.

How old does my kitten need to be to get insured?

Most companies require that your kitten be at least 8 weeks of age to get insurance. That said, they usually do not have age limits. Note that the younger the animal, the cheaper it is to insure, which is why we suggest getting cat insurance before your little pal’s first birthday.

Is it worth it to get cat insurance in WY?

Emergencies occur in most cats’ lives, regardless of where they live, and Wyoming is no exception. Such occasions leave cat owners with astronomical vet bills. They can spend upwards of $2,000 for an urgent trip to the vet. You need to decide if making monthly premium payments mitigates the potential of high out-of-pocket costs down the road.

What does cat insurance include and exclude?

Policy coverage will differ from one company to the next. A general guideline is that your provider will cover the costs of any health-related event deemed “sudden and catastrophic.” Examples of broken bones, urinary blockages, allergies, and eye infections. However, any ailment your cat has before or when you apply for insurance will be considered a pre-existing condition and will not be eligible for reimbursement via claims.

How does reimbursement work?

Hypothetically speaking, let’s say your cat needs an urgent surgery costs $5,000. If your insurance policy has a $250 deductible, a 90% reimbursement amount, and a $15,000 maximum annual benefit, then you can expect your provider to pay $4,500 minus the $250 deductible. This leaves you responsible for a mere $750 instead of the original $5,000. If the idea of paying the bill in full at the time of service feels stressful, you may want to consider Trupanion for your cat insurance as they pay vets in their network directly.

Which is better: a higher or lower deductible?

Which deductible you choose will depend upon your financial circumstances and personal preference. By selecting a lower deductible, you will have higher monthly premium payments but lower out-of-pocket costs in an emergency. The opposite is true for a higher deductible, which will leave you paying less each month but more in a catastrophic event. Most cat insurance providers have user-friendly calculators on their websites that you can use when requesting a quote. We find that most cat owners prefer either a $250 or $500 deductible.

Are there any restricted breeds for homeowners insurance in Wyoming?

While Wyoming has restricted dog breeds for homeowners insurance, there is none for cats. That said, it is always best practice to reach out to your local insurance provider to determine what your policy includes and excludes and if you will need a specific liability rider.

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

Between natural disasters and the four-season climate, there is a lot Wyoming cat owners need to consider when keeping their furry friends safe and healthy.

1. Register your cat

Wyoming requires you to register your cat with your local city or town office. To do so, you will need to have your furry friend vaccinated against rabies.

2. Get your cat vaccinated against rabies

Wyoming is no stranger to rabies. The most common carriers include skunks, raccoons, foxes, coyotes, and bats–all creatures that your cat could encounter when adventuring in the great outdoors. It is worth mentioning that the rabies vaccination needs a month to be fully effective, so keep this in mind with respect to letting your cat wander outdoors.

3. Keep your cat hydrated

Proper hydration plays a major role in feline health, regardless of which season in Wyoming it may be. You can implement two ways simultaneously to ensure your little one stays hydrated. The first, of course, is to keep a bowl of fresh water out for your cat at all times. The second is to add a bit of water to your cat’s food, but not so much that it drowns the food. Doing so works well with dry, canned, homecooked, or raw food.

4. Groom your cat regularly

When cats feel safe and healthy, they are excellent self-groomers. That said, your assistance is vital to keeping your cat’s coat smooth and preventing hairballs from forming in the stomach or becoming impacted in the intestines. This is especially important with Wyoming’s distinct, four-season climate that causes dramatic changes in your cat’s fur. Moreover, nail trimming is another vital part of your cat’s grooming regimen. However, cats’ nails have to be cut in a particular way to avoid ingrown nails and other potential infections, so make sure to consult your vet for a tutorial.

5. Prepare an emergency bag for your cat

Wyoming is prone to a wide range of natural disasters, including wildfires, droughts, floods, and severe winter storms. Therefore, it is wise to have a “go” bag prepared for your cat should you have to make a quick evacuation. Your cat’s bag should include a decent supply of water, food, medicine, and two bowls. In addition, be sure to keep your cat’s carrier easily accessible and lined with a thick cushion or blanket. You may want to place a pee-pad on top. Be sure to bring with you a small litter box, scoop, and bag of litter too.

Conclusion

Finding the best cat insurance in Wyoming is far easier than it may have seemed initially. We encourage you to get cat insurance once your cat is older than 8 weeks. The younger your cat is when you get it insured, the better the prices you will get and the fewer the restrictions on pre-existing conditions. Nevertheless, getting insurance for your cat at any age will prove beneficial in emergencies and supports your cat’s overall well-being.

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

SwiftScore Ranking Methodology for Wyoming (WY) Cats

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

  • Average monthly price for a 2-year-old Wyoming (WY) Cat with a $500 deductible located in the 82009 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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