How Is Cat Insurance Pricing Determined?

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. 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.

* See our policy for details.

Pick your price with a deductible

After viewing your quote, you can then 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, if you ever need to, 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. This means you may see an increase, a decrease, or no change at all.

There are two reasons your premium will not automatically increase:

  • 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. Though your cat's premium will always be based on the age at which he or she was enrolled, it may increase or decrease over the life of your policy. You can learn more about our premium changes here, but essentially they will increase or decrease with the average cost of pets similar to yours based on our claims experiences and inflation.