How Much Is Pet Insurance for a Cat in 2026?
Cats are cheaper to insure than dogs, but prices still vary a lot by age and plan. Here is what cat insurance really costs in 2026, and how to keep it low.
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Average Cat Insurance Cost
| Plan type | Average monthly cost |
|---|---|
| Accident & illness | $20–$40 |
| Accident-only | $8–$15 |
| With wellness add-on | +$10–$20 |
The national average for an adult cat is around $28–$32 per month for full accident and illness coverage.
Cat Insurance Cost by Age
| Age | Average monthly |
|---|---|
| Kitten (under 1) | $15–$22 |
| 2–7 years | $25–$38 |
| 8+ years | $51–$78 |
As with dogs, the younger you enroll your cat, the cheaper the lifetime rate.
Why Cats Cost Less Than Dogs
Cats generally have fewer accidents and fewer breed-specific conditions than dogs, so insurers see fewer claims. That keeps premiums lower across the board.
How to Lower Your Cat’s Premium
- Enroll while your cat is a kitten.
- Choose a higher deductible.
- Pick 70–80% reimbursement instead of 90%.
- Compare at least 3 providers for your ZIP code.
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Frequently Asked Questions
Is pet insurance worth it for an indoor cat?
Often yes. Indoor cats still face costly illnesses like urinary blockages, dental disease, and kidney problems. Insurance protects you from those surprise bills.
Why is cat insurance cheaper than dog insurance?
Cats tend to have fewer accidents and fewer breed-specific hereditary conditions, which means fewer claims and lower premiums.
Does cat insurance cover dental?
Many accident & illness plans cover dental disease (like tooth extractions) but not routine cleanings. Check the plan details.