CostByBreedThe cat insurance picture on one page: the national average premiums, every breed we cover, the conditions that drive cat claims, and a claim worked in full.
The national averages
| Coverage | Average premium for a cat |
|---|---|
| Accident only | $112 a year |
| Accident and illness | $435 a year |
| Accident and illness with wellness built in | $859 a year |
Averages across every breed and age in the country, from the North American Pet Health Insurance Association, State of the Industry Report, 2026 edition, reporting 2025 data. Monthly, that headline average is $36.25.
Cat breeds and types
Conditions cats claim for
A claim, worked in full
A worked example
- The bill for treating dental disease comes to $500.
- The yearly deductible takes off $500, leaving $0.
- The policy reimburses 80 percent of $0, which is $0.00.
The policy pays $0.00 and you pay $500.00.
Example terms only: a $500 yearly deductible and 80 percent reimbursement, with the deductible not yet met this year. Your own policy terms decide a real claim.
The bill is the middle of the published range for dental disease, $300 to $700 and up. Source: CareCredit, How Much Does Cat or Dog Teeth Cleaning Cost?.
For the other half of the household, see the dog insurance hub.