Best Pet Insurance for Cats 🐾💰
Finding the best pet insurance for your cat means balancing coverage, cost, and flexibility. Whether you want comprehensive care for an older cat, affordable accident coverage for a kitten, or a customizable plan to fit your budget, the right insurance can provide peace of mind.
After analyzing industry trends, customer feedback, and policy details, we’ve identified the top cat insurance options based on coverage, pricing, perks, and ease of reimbursement.
🔎 Key Takeaways: Quick Answers for Cat Owners
| Question | Quick Answer |
|---|---|
| Which insurance has the best overall coverage? | Pumpkin – Covers accidents, illnesses, dental, and alternative care. |
| What’s the most budget-friendly option? | Figo – Plans start around $22/month. |
| Which offers the best discounts? | Embrace – Up to 10% off with a no-claims history. |
| Which is best for older cats? | Pumpkin & Spot – No upper age limits. |
| What’s best for emergency coverage only? | Pets Best – Low-cost accident-only plans. |
| Which has the fastest reimbursements? | Figo – Claims paid in as little as 3 days. |
| Does any insurance cover exotic cats? | Nationwide – Covers exotic pets too. |
🏆 Best Pet Insurance Plans for Cats
Each insurance provider has strengths depending on your cat’s health, age, and your budget. Here’s a detailed comparison to help you choose the right plan.
1️⃣ Pumpkin – Best Overall for Comprehensive Coverage 🎃
| Feature | Details |
|---|---|
| Average Cost for Cats | $25.80/month |
| Reimbursement Options | 90% fixed |
| Deductibles | $100 to $1,000 |
| Annual Limits | $7,000 to Unlimited |
| Coverage | Accidents, illnesses, dental, alternative therapies, behavioral issues |
| Waiting Period | 14 days for all conditions |
| Pros | ✅ Covers older cats with no upper age limits ✅ Covers alternative therapies like acupuncture ✅ Unlimited annual limit available |
| Cons | ❌ 14-day waiting period for all claims ❌ No 70% or 80% reimbursement options |
👉 Best for: Owners who want a high-coverage, no-hassle policy with extensive benefits, especially for older cats.
2️⃣ Pets Best – Most Flexible & Budget-Friendly 🏥
| Feature | Details |
|---|---|
| Average Cost for Cats | $24.88/month |
| Reimbursement Options | 70%, 80%, or 90% |
| Deductibles | $50 to $1,000 |
| Annual Limits | No payout caps |
| Coverage | Accidents, illnesses, hereditary conditions, prosthetics, wheelchairs |
| Waiting Period | 3 days for accidents, 14 days for illnesses |
| Pros | ✅ Customizable pricing options ✅ Covers hereditary conditions ✅ 24/7 vet telehealth support |
| Cons | ❌ Exam fees not covered on lower plans ❌ Longer waiting periods for illness claims |
👉 Best for: Owners who want an affordable, customizable plan that covers essential medical needs.
3️⃣ Embrace – Best for Discounts & Chronic Conditions 🏅
| Feature | Details |
|---|---|
| Average Cost for Cats | $30–$35/month |
| Reimbursement Options | 70%, 80%, or 90% |
| Deductibles | $200 to $1,000 |
| Annual Limits | $5,000 to $30,000 |
| Coverage | Accidents, illnesses, diagnostics, wellness add-ons |
| Waiting Period | 2 days for accidents, 14 days for illnesses |
| Pros | ✅ Healthy Pet Discount (5-10%) for low claims history ✅ Covers chronic conditions like diabetes & arthritis ✅ Covers alternative treatments & rehab |
| Cons | ❌ Pricier than Pets Best & Figo ❌ No unlimited payout option |
👉 Best for: Owners who want coverage for chronic conditions and discounts for healthy cats.
4️⃣ Spot – Best for Customization & Older Cats ⚡
| Feature | Details |
|---|---|
| Average Cost for Cats | $25–$30/month |
| Reimbursement Options | 70%, 80%, or 90% |
| Deductibles | $100 to $1,000 |
| Annual Limits | Up to Unlimited |
| Coverage | Accidents, illnesses, dental, prescription diets |
| Waiting Period | 14 days for illnesses, 2 days for accidents |
| Pros | ✅ No upper age limits ✅ Customizable deductibles & coverage limits ✅ Covers alternative therapies & behavioral issues |
| Cons | ❌ Doesn’t pay vets directly (reimbursement only) |
👉 Best for: Owners who want affordable coverage for older cats or flexible plan options.
5️⃣ Figo – Best Low-Cost Insurance with Fast Reimbursements 💲
| Feature | Details |
|---|---|
| Average Cost for Cats | Starts at $22/month |
| Reimbursement Options | 70%, 80%, 90%, or 100% |
| Deductibles | $100 to $750 |
| Annual Limits | Up to Unlimited |
| Coverage | Accidents, illnesses, chronic conditions, 24/7 vet chat |
| Waiting Period | 5 days for accidents, 14 days for illnesses |
| Pros | ✅ Lower starting cost than most competitors ✅ Claims paid in as little as 3 days ✅ 100% reimbursement available |
| Cons | ❌ Wellness coverage costs extra ❌ Doesn’t cover exam fees unless upgraded |
👉 Best for: Budget-conscious cat owners who want quick claim processing and flexible reimbursement options.
6️⃣ Nationwide – Best for Exotic Breeds & Unique Coverage 🦁
| Feature | Details |
|---|---|
| Average Cost for Cats | $25–$35/month |
| Reimbursement Options | 70%, 80%, or 90% |
| Deductibles | $250 to $1,000 |
| Annual Limits | Up to Unlimited |
| Coverage | Accidents, illnesses, exotic pet coverage |
| Waiting Period | 14 days |
| Pros | ✅ Covers exotic pets & rare cat breeds ✅ Covers congenital & hereditary conditions |
| Cons | ❌ Wellness plans cost extra ❌ May require higher-tier plans for full coverage |
👉 Best for: Owners of exotic cat breeds or those who want a large insurance provider with a strong reputation.
💡 Final Thoughts: Which Pet Insurance Should You Choose?
| Best For… 🏆 | Recommended Insurance 🏥 |
|---|---|
| Comprehensive Coverage | Pumpkin |
| Affordability & Flexibility | Pets Best, Figo |
| Chronic Conditions & Discounts | Embrace |
| Older Cats & No Age Limits | Spot, Pumpkin |
| Fast Claims & High Reimbursement | Figo |
| Exotic Breeds | Nationwide |
💬 Have questions about pet insurance for your cat? Drop them below, and we’ll help you find the best policy for your feline friend! 🐾💰
🗨️ Expert Responses to Your Questions
💬 Comment 1: “Is pet insurance really worth it for indoor cats?”
Yes! While indoor cats face fewer risks than outdoor cats, they’re not immune to accidents or health issues. In fact, many of the most common medical conditions in cats—like kidney disease, diabetes, and dental problems—occur regardless of lifestyle. Insurance helps offset expensive vet bills when these issues arise.
📊 Why Even Indoor Cats Need Pet Insurance
| Risk Factor | Why It Matters? 🤔 | Average Treatment Cost 💰 | Covered by Insurance? ✅ |
|---|---|---|---|
| Urinary Blockages (FLUTD) 🚽 | Common in male cats, can be fatal if untreated. | $1,500–$3,500 | ✅ Yes, if not pre-existing. |
| Diabetes 🍬 | Often develops in middle-aged or overweight cats. | $100/month + insulin, vet visits. | ✅ Yes, for ongoing management. |
| Dental Disease 🦷 | 70% of cats over age 3 have some form of dental issue. | $500–$1,500 for extractions. | ✅ Yes, with dental coverage. |
| Cancer 🏥 | Even indoor cats can develop tumors or leukemia. | $3,000–$10,000+ | ✅ Yes, with comprehensive plans. |
| Accidental Poisoning ☠️ | Household toxins (lilies, cleaners) can be fatal. | $500–$3,000+ for emergency treatment. | ✅ Yes, covered under accident plans. |
👉 Expert Tip: Even if your cat is indoors, emergencies happen—and insurance can mean the difference between affordable care and a financial burden.
💬 Comment 2: “Which pet insurance covers pre-existing conditions?”
No traditional pet insurance covers pre-existing conditions, but some offer exceptions for “curable” pre-existing conditions if your cat has been symptom-free for a period of time.
📝 How Pre-Existing Conditions Are Handled
| Insurance Provider | Pre-Existing Condition Coverage? ✅/❌ | Exceptions & Rules |
|---|---|---|
| Pumpkin 🎃 | ❌ No | No coverage for past diagnoses. |
| Pets Best 🏥 | ✅ Sometimes | If the condition is “curable” and symptom-free for 6 months. |
| Embrace 🏅 | ✅ Sometimes | Some conditions are covered after 12 months without symptoms. |
| Figo 💲 | ❌ No | No coverage for past issues. |
| Spot ⚡ | ✅ Limited | Some conditions reconsidered if no symptoms reoccur in 6 months. |
👉 Expert Tip: If your cat has a chronic condition, insurance can still be useful for new illnesses and injuries—but check policies carefully for what’s excluded.
💬 Comment 3: “How do pet insurance claims work? Do I have to pay upfront?”
Yes, most pet insurance providers operate on a reimbursement model, meaning you pay the vet bill first, then submit a claim. Some insurers, like Trupanion, offer direct vet payments at participating clinics.
💰 How Pet Insurance Reimbursements Work
| Step | What Happens? ✅ | How Long It Takes? ⏳ |
|---|---|---|
| 1️⃣ Pay the vet bill | You cover the full cost at checkout. | Immediate. |
| 2️⃣ Submit a claim online or via app | Attach vet invoices and medical records. | 5–10 minutes. |
| 3️⃣ Insurance processes the claim | They determine reimbursement based on policy coverage. | 3–14 days, depending on the provider. |
| 4️⃣ Get reimbursed | You receive funds via direct deposit or check. | Varies (some pay in as little as 3 days). |
👉 Expert Tip: Figo and Embrace process claims the fastest (3-5 days), while Nationwide and Pumpkin may take longer (10-14 days).
💬 Comment 4: “Is pet insurance more expensive for older cats?”
Yes. Older cats are more expensive to insure because they’re at higher risk for chronic illnesses like kidney disease, hyperthyroidism, and arthritis.
📈 Pet Insurance Costs by Cat Age
| Cat’s Age | Average Monthly Cost 💰 | Why It’s Higher? |
|---|---|---|
| Kitten (Under 1 Year) 🍼 | $15–$25 | Low risk, fewer pre-existing conditions. |
| Adult Cat (1–6 Years) 🐱 | $20–$35 | Moderate risk, lower premiums. |
| Senior Cat (7+ Years) 🐾 | $35–$60 | Higher risk of chronic conditions. |
👉 Expert Tip: Enroll your cat in insurance early to lock in lower rates before age-related illnesses develop.
💬 Comment 5: “Does pet insurance cover routine care like vaccinations and flea prevention?”
Most standard pet insurance plans do NOT cover routine care, but some providers offer wellness add-ons that reimburse for vaccines, checkups, and flea/tick preventatives.
🛡️ Wellness Coverage Options by Provider
| Insurance Provider | Wellness Plan Available? ✅/❌ | What’s Covered? |
|---|---|---|
| Pumpkin 🎃 | ✅ Yes | Vaccines, flea/tick meds, routine exams. |
| Pets Best 🏥 | ✅ Yes | Dental cleanings, bloodwork, microchipping. |
| Embrace 🏅 | ✅ Yes | Alternative therapies, spaying/neutering. |
| Spot ⚡ | ❌ No | Only covers illnesses and accidents. |
👉 Expert Tip: If you want wellness coverage, look for plans with optional add-ons rather than full coverage plans that exclude it.
💬 Comment 6: “How do I choose the best deductible for my cat?”
Choosing the right deductible depends on how much you can afford upfront vs. how much you want reimbursed.
📊 Choosing the Right Deductible
| Deductible Amount | Pros ✅ | Cons ❌ | Best For… 🏆 |
|---|---|---|---|
| $100–$250 | Higher reimbursements per claim. | Higher monthly premium. | Senior cats, chronic illness risk. |
| $500–$750 | Balanced between cost & savings. | Moderate monthly premium. | Average-risk cats. |
| $1,000+ | Low monthly payments. | High out-of-pocket cost per claim. | Young, healthy cats. |
👉 Expert Tip: If you prefer lower monthly costs, go with a higher deductible. If you want more coverage for emergencies, choose a lower deductible.
💬 Comment 7: “Does pet insurance cover hereditary conditions like heart disease or hip dysplasia?”
Yes, but only if your cat was insured BEFORE showing symptoms. Pre-existing hereditary conditions are excluded, but future ones may be covered.
🧬 Hereditary Condition Coverage by Provider
| Insurance Provider | Hereditary Conditions Covered? ✅/❌ | Any Restrictions? |
|---|---|---|
| Pumpkin 🎃 | ✅ Yes | Must enroll before diagnosis. |
| Pets Best 🏥 | ✅ Yes | No breed restrictions. |
| Embrace 🏅 | ✅ Yes | Covered after waiting period. |
| Nationwide 🦁 | ❌ No | Excluded unless added coverage. |
👉 Expert Tip: Insure your cat early to ensure hereditary conditions are covered before they’re diagnosed.
💬 Comment 8: “How do I avoid claim denials with pet insurance?”
Avoiding claim denials starts with understanding your policy’s terms and being proactive about medical records. The most common reasons for denied claims include pre-existing conditions, incomplete paperwork, and treatments outside the coverage scope.
🔎 Common Reasons for Claim Denials & How to Prevent Them
| Reason for Denial 🚫 | Why It Happens? 🤔 | How to Prevent It ✅ |
|---|---|---|
| Pre-existing condition 🏥 | Insurance won’t cover illnesses diagnosed before enrollment. | Sign up early before conditions develop. |
| Missing medical history 📂 | Some insurers require a vet exam before claims are approved. | Ensure your vet provides full medical records. |
| Not meeting waiting period ⏳ | Most insurers require a 14-day wait for illnesses. | File claims only after waiting periods end. |
| Treatment not covered ❌ | Some plans exclude alternative care, dental, or exam fees. | Review policy details before treatment. |
| Incorrect paperwork 📄 | Missing receipts or incomplete claim forms. | Double-check all documents before submission. |
👉 Expert Tip: Always read your policy’s fine print and keep digital copies of vet invoices and medical records for quick claim submissions.
💬 Comment 9: “What happens if I cancel my pet insurance? Can I re-enroll later?”
Yes, you can cancel pet insurance anytime, but re-enrolling later comes with major drawbacks—most notably, any health issues your cat develops in the gap period will be considered pre-existing and won’t be covered again.
📉 What to Expect If You Cancel & Re-Enroll
| Scenario | What Happens? 🤔 | Best Alternative ✅ |
|---|---|---|
| Cancel and never re-enroll | No coverage for emergencies or illness. | Only recommended if you have a dedicated pet emergency fund. |
| Cancel and re-enroll later | Any conditions diagnosed after cancelation become pre-existing. | Keep a low-cost accident-only plan to maintain some coverage. |
| Switch to a different provider | New waiting periods apply. | Time policy start dates to avoid a coverage gap. |
👉 Expert Tip: If cost is an issue, consider lowering your coverage instead of canceling altogether—most providers let you adjust plans to reduce monthly costs without losing protection.
💬 Comment 10: “Does pet insurance cover spaying, neutering, or pregnancy-related care?”
Standard pet insurance does not cover spaying, neutering, or pregnancy-related expenses, but some wellness plans include these procedures.
🍼 Coverage for Spaying, Neutering & Pregnancy
| Procedure | Covered by Standard Insurance? ❌/✅ | Wellness Plan Coverage? 🏥 |
|---|---|---|
| Spay/Neuter | ❌ No | ✅ Some plans cover under wellness add-ons. |
| Pregnancy Complications | ❌ No | ✅ Some high-tier plans cover breeding-related emergencies. |
| C-Section or Dystocia | ❌ Rarely | ✅ Available on Nationwide’s Whole Pet plan. |
| Postnatal Care for Kittens | ❌ No | ❌ Not typically covered. |
👉 Expert Tip: If your cat is not yet spayed/neutered, a wellness plan add-on may help cover costs.
💬 Comment 11: “What’s the difference between accident-only and full-coverage pet insurance?”
Accident-only plans only cover injuries and emergencies, while full-coverage plans include illnesses, chronic conditions, and sometimes wellness benefits.
🆚 Accident-Only vs. Full-Coverage Insurance
| Feature | Accident-Only Plan 🚑 | Full-Coverage Plan 🏥 |
|---|---|---|
| Broken bones, trauma, poisoning | ✅ Covered | ✅ Covered |
| Chronic illnesses (diabetes, kidney disease) | ❌ Not covered | ✅ Covered |
| Cancer treatment | ❌ Not covered | ✅ Covered |
| Infections, allergies, digestive issues | ❌ Not covered | ✅ Covered |
| Annual vet visits, vaccines | ❌ Not covered | ❌ Only with wellness add-on |
| Monthly Cost | 💰 Cheaper ($10–$20/month) | 💰 Higher ($20–$50/month) |
👉 Expert Tip: Accident-only plans are great for young, healthy cats, but for senior or high-risk breeds, full-coverage is worth the extra cost.
💬 Comment 12: “Are certain cat breeds more expensive to insure?”
Yes, some breeds have higher premiums due to increased genetic health risks. Purebred cats often face higher rates than mixed-breed cats.
📈 Most Expensive Cat Breeds to Insure
| Breed 🐱 | Why It’s Costly? 🤔 | Common Health Risks 🚨 |
|---|---|---|
| Maine Coon | Prone to heart disease (HCM). | Hypertrophic cardiomyopathy, joint issues. |
| Persian | Prone to respiratory & eye problems. | Polycystic kidney disease, brachycephalic airway syndrome. |
| Sphynx | Prone to skin conditions & heart disease. | HCM, sunburn, skin infections. |
| Scottish Fold | Prone to bone/joint disorders. | Osteochondrodysplasia, arthritis. |
| Bengal | Prone to digestive issues. | Inflammatory bowel disease, early-onset cataracts. |
👉 Expert Tip: If you own a high-risk breed, consider a plan with unlimited coverage and lower deductibles to offset future expenses.
💬 Comment 13: “What if I move to a different state? Will my pet insurance still work?”
Yes! Most pet insurance policies work nationwide, but premiums may adjust based on your new location. Some states have higher veterinary costs, which may increase rates.
📍 How Moving Affects Pet Insurance
| Scenario | Will Coverage Change? ✅/❌ | What to Do? |
|---|---|---|
| Moving to a new city (same state) | ❌ No, coverage remains the same. | Notify the provider of address change. |
| Moving to a new state | ✅ Yes, rates may change. | Check for premium adjustments. |
| Moving outside the USA | ❌ No, most plans don’t cover internationally. | Look for an international pet insurance provider. |
👉 Expert Tip: If you’re moving, contact your insurance provider to see if your premium will increase or decrease.
💬 Comment 14: “Which pet insurance pays vets directly instead of making me wait for reimbursement?”
Most pet insurance companies require you to pay the bill first and then submit a claim, but a few offer direct vet payments at participating clinics.
💳 Pet Insurance Providers with Direct Vet Payments
| Insurance Provider | Direct Vet Payment? ✅/❌ | Notes |
|---|---|---|
| Trupanion | ✅ Yes | Works with Trupanion-approved vets only. |
| Pumpkin | ❌ No | Reimbursement model only. |
| Pets Best | ✅ Sometimes | Available for select clinics. |
| Embrace | ❌ No | Reimbursement-based system. |
| Spot | ❌ No | Reimbursement only. |
👉 Expert Tip: If you prefer direct payments, check if your vet is partnered with Trupanion before enrolling.
💬 Comment 15: “Is there a limit to how much pet insurance will pay out?”
Yes, each policy has different payout limits, which can impact how much you’re reimbursed for vet bills. Some providers offer unlimited coverage, while others have annual or lifetime caps.
💰 Understanding Pet Insurance Payout Limits
| Type of Coverage Limit | What It Means? 🤔 | Best For… 🏆 |
|---|---|---|
| Unlimited 🚀 | No cap on yearly or lifetime claims. | Owners who want full financial protection. |
| Annual Limit 📅 | A set dollar amount per year (e.g., $5,000 or $15,000). | Those balancing cost & coverage. |
| Per-Condition Limit 🏥 | Max payout per illness/injury over time. | Owners with cats prone to chronic conditions. |
| Lifetime Limit 🔄 | Max payout for the cat’s lifetime (e.g., $50,000). | Budget-conscious owners with lower risk cats. |
👉 Expert Tip: If you want full coverage without worrying about payout limits, choose a plan with “unlimited” annual benefits (offered by Figo, Spot, and some Embrace plans).
💬 Comment 16: “What’s the difference between reimbursement percentage and deductible?”
These two terms affect how much you pay out-of-pocket vs. how much insurance covers.
📊 Reimbursement % vs. Deductible Breakdown
| Term | What It Means? 🤔 | Example Calculation 💰 |
|---|---|---|
| Reimbursement % | The portion of the vet bill insurance covers (70%, 80%, 90%, or 100%). | If the bill is $1,000 and you have 90% reimbursement, insurance pays $900, and you owe $100 (after deductible). |
| Deductible | The amount you pay before insurance kicks in ($100–$1,000). | If your deductible is $250, you must pay $250 out-of-pocket before getting reimbursed. |
👉 Expert Tip: A higher reimbursement % means lower out-of-pocket costs, but it raises your monthly premium. A higher deductible lowers monthly costs but increases upfront expenses for claims.
💬 Comment 17: “Which pet insurance is best for multi-cat households?”
If you have multiple cats, look for insurers offering multi-pet discounts and flexible deductibles to balance affordability and coverage.
🐾 Best Pet Insurance for Multi-Cat Homes
| Provider | Multi-Pet Discount? 🏷️ | Why It’s Good? ✅ | Best For… 🏆 |
|---|---|---|---|
| Embrace | ✅ 5-10% off | Best discount for multiple pets. | Budget-conscious owners with multiple cats. |
| Figo | ✅ 5% off | Allows custom coverage per pet. | Owners who want flexibility for each cat’s needs. |
| Pets Best | ✅ 5% off | Affordable accident-only plans available. | Owners who want basic, low-cost coverage for multiple cats. |
| Nationwide | ✅ 5% off | Covers exotic pets too. | Households with cats & other pets. |
👉 Expert Tip: If insuring multiple cats, look for plans allowing individual customization—so you’re not overpaying for coverage one cat might not need.
💬 Comment 18: “Does pet insurance cover cancer treatments for cats?”
Yes, most comprehensive pet insurance policies cover cancer treatments, including chemotherapy, surgery, and radiation therapy, as long as the cancer was not diagnosed before enrollment.
🎗️ Cancer Coverage Breakdown by Insurance Provider
| Insurance Provider | Covers Cancer? ✅/❌ | Treatment Coverage Includes? |
|---|---|---|
| Pumpkin 🎃 | ✅ Yes | Chemotherapy, radiation, surgery, diagnostics. |
| Figo 💲 | ✅ Yes | Covers all cancer treatments with unlimited annual payout option. |
| Pets Best 🏥 | ✅ Yes | Includes alternative cancer treatments (e.g., acupuncture). |
| Embrace 🏅 | ✅ Yes | Covers pre-cancer screenings & genetic testing. |
| Nationwide 🦁 | ✅ Yes | Covers holistic cancer treatments as well. |
👉 Expert Tip: If your cat is a breed prone to cancer (like Maine Coons or Persians), choose an insurer with unlimited payout options for long-term care.
💬 Comment 19: “Can I insure my senior cat, or is it too late?”
Yes, but premiums are higher for senior cats, and some companies have age restrictions on new enrollments.
🐱 Pet Insurance for Senior Cats: Age Limits & Costs
| Provider | Upper Age Limit for New Enrollment? | Average Cost for 10+ Year Old Cat 💰 |
|---|---|---|
| Pumpkin 🎃 | ❌ No age limit | $40–$60/month |
| Spot ⚡ | ❌ No age limit | $35–$55/month |
| Pets Best 🏥 | ✅ 14 years max | $30–$50/month |
| Embrace 🏅 | ✅ 14 years max | $40–$65/month |
👉 Expert Tip: Enroll your cat as young as possible to lock in lower rates—waiting until senior years means paying significantly more.
💬 Comment 20: “What happens if my cat has a condition before I get insurance? Can it ever be covered?”
Pre-existing conditions are not covered by most insurers, but some conditions can be reconsidered if they have been symptom-free for a certain period.
🔄 Can Pre-Existing Conditions Ever Be Covered?
| Condition | Can It Be Recovered After Symptom-Free Period? ✅/❌ | Symptom-Free Time Required? |
|---|---|---|
| Urinary Tract Infection (UTI) | ✅ Yes | 6–12 months. |
| Ear Infection | ✅ Yes | 6–12 months. |
| Asthma | ❌ No | Chronic condition—permanently excluded. |
| Diabetes | ❌ No | Considered pre-existing permanently. |
| Cancer (Previously Diagnosed) | ❌ No | Will not be covered if diagnosed before enrollment. |
👉 Expert Tip: If your cat had a minor past illness (like a UTI), some companies (like Embrace) may cover it after 6–12 symptom-free months.
