Underwritten by American Pet Insurance Company
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New policies: 855.591.3100 | Customer Care: 888.733.2685
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Cat Insurance Cost

Cats are unique individuals. They vary in size, temperament, energy level, and where they live. Because of this, pet insurance premiums greatly vary, and there is no "one size fits all" price that we can display for you right here.
Close up of a white fluffy cat

How is cat insurance pricing determined?

To find out the exact price for your cat, you can simply get a quote. However, upon retrieving your quote, you may be curious as to how we determined that specific price for your cat. The cost of cat insurance is dependent upon several factors unique to your cat, including:

  1. Your cat's age at enrollment

  2. Breed

  3. Gender

  4. Where your cat lives

  5. Whether your cat has been spayed/neutered*

Each of these elements are taken into consideration and are then matched to the average cat’s veterinary costs to determine your premium.

Pick your price with a deductible

After you view your quote, you can adjust your monthly premium by selecting a custom deductible, whether it's no deductible or anywhere from $50 to $1000. This flexibility allows you to select a price that fits your budget. Plus, you can change your deductible without penalty simply by giving us a call.

What will cause my premium to increase?

Premiums may be adjusted periodically over the life of your cat due to the average cost of pets similar to yours based on our claims experiences and inflation. You may see an increase, a decrease, or no change at all. You can learn more about our premium changes here.

What will not affect premiums?

Trupanion will never increase premiums based on the following reasons:

  • When your cat has a birthday

  • If your cat becomes sick or injured and you need to file a claim

We know that aging is a natural process and that you have no control whether your feline friend gets sick or injured, which is why we do not penalize policyholders with increased premiums.

*Terms and conditions apply. See the policy for details. Residents of WA, see the policy here. Residents of all other states and Puerto Rico, see the policy here

 3 Reasons to Choose Trupanion

  1. One Simple Plan

    One simple and comprehensive plan

  2. 90% Coverage

    We cover 90% of actual veterinary costs*

  3. No Payout Limits

    No dollar limits on the cost of care if your pet becomes sick or injured

Find out more


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