average cost of cat insurance per month: what to expect and how to compare

What most owners pay

The typical monthly premium for a cat runs around $25–$55 for accident and illness coverage, while bare-bones accident-only plans can dip to $10–$20. Premiums for kittens tend to be lower, and seniors or purebreds often sit at the top of the range. If you choose a lower deductible and higher reimbursement, expect the price to climb.

Why quotes vary

Insurers price policies by risk: your cat’s age, breed, and health history, plus your ZIP code’s veterinary rates, all feed the algorithm. Optional wellness add-ons may add $10–$25 per month. A balanced setup many owners pick is a $250–$500 deductible with 70–80% reimbursement-often landing near the middle of the range.

• Pros: smoother budgeting, protection from four-figure emergencies, and peace of mind.
• Cons: exclusions, waiting periods, and premiums that can rise after claims or as your cat ages.
• Tip: Compare the annual limit, exam fee coverage, and reimbursement method-not just the headline price.

Do a quick quote with the same cat details and settings across three insurers to get a fair, apples-to-apples monthly cost.