Pet Insurance

Cat Insurance: Get Coverage for Cats and Kittens

August 31, 2026By GEICO Team7 min readEditorial Guidelines
A white cat under a blanket.

Key Takeaways

Protect Your Cat from Unexpected Vet Bills
Cat insurance through GEICO helps you manage high veterinary costs stemming from accidents, illnesses, and chronic conditions, ensuring your cat receives the care it needs without financial uncertainty.

Customizable Coverage to Fit Your Needs
Choose flexible plans that let you set your preferred deductible, annual limit, and reimbursement rate. Enhance your policy with optional wellness coverage for routine visits and preventive care.

Fast and Simple Claims Process
Submit vet bills online or via app and receive reimbursement quickly, making it easy to focus on your cat’s recovery—not paperwork or delays.

Got a master of mischief? Good news: We're well-versed in both hairballs and harebrained schemes. As cat parents it's important to have good health coverage for your furry family members. That's where pet insurance for cats comes in, providing cost savings and peace of mind for health-related pet expenses. The GEICO Insurance Agency has teamed up with Embrace Pet Insurance to bring you comprehensive lifelong accident and illness plans! Consider their curiosity covered – furever.

What is Cat Insurance?

Cat insurance helps cover unexpected veterinary expenses for your feline companion, such as accidents, injuries, and illnesses. It gives you the peace of mind you need to get your furry friend the care they need.

How Does Cat Insurance Work?

Cat insurance works differently than your car or homeowners insurance. The process looks like this:

  1. Choose a Plan: Select a plan that fits your needs and budget.
  2. Pay Monthly Premiums: Once you've selected a plan, you'll pay a monthly premium to keep your coverage active. The cost depends on factors like your cat’s breed, age, location, and the coverage you choose.
  3. Visit the Vet: If your cat needs care, take them to any licensed veterinarian. There’s no network you have to stay in!
  4. Pay the Bill: After the vet visit, you’ll pay the bill upfront. Keep the invoice and any medical records related to the visit for the next step.
  5. Submit a Claim: File a claim using the MyEmbrace member portal. You’ll need to include the invoice and medical records from the visit.
  6. Get Reimbursed: After the claim is reviewed, you’ll be reimbursed for eligible expenses based on your plan's terms, such as deductible, reimbursement rate (e.g., 70%, 80%, or 90%), and annual coverage limit.

What Does Cat Insurance Cover?

Most cats are covered from nose to tail for every unexpected accident and illness.

  • Exam and consultation fees
  • Cancer treatments
  • Diagnostic testing
  • ER and specialist care
  • Surgery and hospitalization
  • Rehabilitation treatments
  • Dental illness
  • Prescription medications

Items excluded from the accident and illness cat insurance policy:

  • Pre-existing conditions
  • Routine care costs

How much does cat insurance cost?

The GEICO Insurance Agency can help you get a customizable plan to fit your budget without sacrificing coverage. Along with the deductible, percent of reimbursement, and payout limits you choose, pricing is based on your location and your cat's breed, sex, and age. While the cost can vary greatly, you can usually get a comprehensive policy for your cat for $15-$45/month.

Why Choose Cat Insurance through GEICO Insurance Agency?

When it comes to protecting your feline friend, GEICO Insurance Agency in partnership with Embrace Pet insurance offers reliable coverage tailored to fit your needs. Here's why pet owners choose to get cat insurance through GEICO Insurance Agency.

  • Customizable Plans: Choose the coverage that fits your needs, whether it’s accident-only, illness-only, or a comprehensive plan that includes routine care like vaccinations and checkups.
  • Nationwide Vet Coverage: With GEICO Insurance Agency , you’re not limited to a specific network . Y ou can visit any licensed veterinarian for your cat’s care.
  • Fast Claims Processing: We make it easy to file claims through the MyEmbrace mobile app, so you get reimbursed quickly and without hassle.
  • Lifelong Coverage: Every cat deserves top-quality care, no matter their age. That’s why cat insurance policies through GEICO Insurance Agency don’t have upper age limits.

Cat Insurance for All Ages

You can't predict when your cat will get hurt or sick. But you can protect yourself from costly vet bills with the right pet insurance for cats.

Insurance for Kittens

Pet insurance covers kittens to give you peace of mind that their crazy antics won't break the bank.

Insurance for Adult Cats

Adult cats may prefer a slower pace but that doesn't mean they're immune to getting sick or hurt. Ensure they're covered as they age.

Manage Your Cat Insurance Online

Manage your cat’s health insurance easily with MyEmbrace online portal ! With MyEmbrace member portal , you can update your policy, add a pet, submit claims, update contact info, update payment info, and manage your account online.

In less than a cat's meow, we can provide you with a free quote for that adorable cat of yours.

Protect Your Best Friend?

Pet insurance could help with eligible vet bills for accidents and illnesses.

GEICO gecko mascot standing and waving

Cat Insurance FAQs

We love our cats, but it's no secret they can be a little mischievous—we never really know what they're going to do! Getting cat insurance is worth it if you want to manage the financial risk of unexpected vet bills for accidents, injuries, or illnesses. It provides peace of mind by ensuring your cat can receive necessary care without worrying about high out-of-pocket costs.

It's best to buy cat insurance when your cat is young and healthy because premiums will typically be lower, and your cat is less likely to have pre-existing conditions that could affect coverage. Most providers allow you to enroll kittens as early as eight weeks old. However, adult cats without pre-existing chronic conditions can also benefit from pet insurance.

Whether cat insurance covers spaying or neutering depends on your policy. Some insurers offer partial coverage for spaying and neutering under their wellness plans. However, it typically won't reimburse the entire cost of the procedure. It's best to speak with an insurance specialist to determine specific coverages.

Cat insurance can be worth getting for senior cats who have been relatively healthy throughout their lives or simply need wellness or accident-only care. However, no pre-existing conditions would be eligible for coverage.

The best insurance for your cat depends on their health and needs and your budget. You can choose between accident-only, illness-only, wellness, or a combination of the three coverage options. When selecting your deductible, annual limit, and reimbursement percentage, make sure you consider your budget and what you can comfortably pay out of pocket for veterinary care.

Please note:
If you click a link to get a rate quote online or file a claim, you will be taken to the Embrace website. This website is not owned by GEICO Insurance Agency LLC. Any information that you provide directly to them on their websites is subject to the privacy policy posted on that website, which you should read before proceeding. GEICO Insurance Agency LLC. assumes no responsibility for their privacy practices or your use of either website.
Pet coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.
Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic. No 0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8) and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. For full terms and conditions, visit www.embracepetinsurance.com/coverage/embrace-terms Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address. *Wellness Rewards is offered as an optional membership plan, non-insurance benefit administered by Embrace Pet Insurance Agency, LLC in the United States. Wellness Rewards not available in RI. (c) 2024 American Modern Insurance Group, Inc.
Embrace Disclosure for California Residents: Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change.