Cat Insurance

A MetLife Pet Insurance policy for cats can help protect your bundle of fluff and your wallet from cat-astrophes. Starting at $9/month.



Why Do You Need Pet Insurance for Your Cat?

A cat insurance policy can help you make quick, confident decisions about your furry family member’s medical care without stressing a vet bill.

In an ideal world, cat parents may not have to factor in cost when deciding on their pet’s care. But the truth is, the yearly cost of health-related expenses for cats can range from $374 – $965.1 That means you could spend nearly $15,000 just on your cat’s medical care over the course of 15 years — and some cats live into their 20s.

Or you could pay a premium starting at $9 a month2 for a cat insurance policy that can reimburse you for these medical expenses, potentially helping you save money. As a result, you may be able to make decisions about your cat’s health without worrying about how you’ll afford it.

How MetLife Pet Can Help Cat Parents Save

Say your curious kitty accidentally swallows an intriguing hair tie. After a trip to the emergency vet, you may be looking at a hefty bill for surgery. But if you have a cat insurance policy, your savings could look like this:6

Potential Savings with a MetLife Pet Policy3:

  • Vet Bill – Foreign Body: $3,000
  • MetLife Pet Saves You: $2,700

Cat insurance can also help pay for smaller medical expenses, including exams and medication.6

MetLife Pet Is Ahead of the Pack

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How Much Is Cat Insurance?


Pet Insurance for Cats of All Ages

Kitten Insurance

In between being cute balls of fluff and perfecting their personalities, kittens can sometimes get into trouble.

Cat Insurance

Injuries and illnesses can come out of the blue, even for indoor cats. Be sure your feline friend is protected. 

Senior Cat Insurance

Even with nine lives, cats may benefit from extra protection as they age. See just how we can help. 

Chasing. Pouncing. Tumbling. Playful kittens may need extra vet care as they explore their world. Here’s how MetLife Pet has helped kitten families:2

  • Foreign body surgery — $2,200 saved by Jelly Belly’s family when MetLife Pet reimbursed them for their $2,400 vet bill after she swallowed something
  • Fever — $1,100 saved by Bruno’s family when MetLife Pet reimbursed them the full vet bill after his serious fever
  • Allergy — $540 saved by Onyx’s family when MetLife Pet reimbursed them for their $670 vet bill after her environmental allergy treatment

Our insurance plans for cats can cover a variety of conditions. Coverage of major and even minor ailments could save you significant amounts of money in vet bills, like:2,5

  • Urinary obstruction — $3,000 saved by Tank’s family when MetLife Pet reimbursed them for their $3,300 vet bill for his obstruction
  • Lymphoma — $1,100 saved by Marshmallow’s family when MetLife Pet reimbursed them the full vet bill after her cancer exam
  • Constipation — $900 saved by Mr. Snickers’ family when MetLife Pet reimbursed them for their $1,000 vet bill for his constipation




Whether they’re a new senior (age 11) or old enough to remember when Mom had Myspace, senior cats may need more care. Here’s how MetLife Pet has helped them and their parents:2,5

  • Pancreatitis — $1,500 saved by Butterball’s family when MetLife Pet reimbursed them for their $1,800 vet bill for his pancreatitis exam
  • Neoplasia $1,100 saved by Simba’s family when MetLifePet reimbursed them for their $1,200 vet bill for his bronchiolar carcinoma
  • Periodontal disease — $520 saved by Calvin’s family when MetLife Pet reimbursed them for their $660 vet bill for his dental cleaning

What’s Covered Under a Standard Policy6

Our pet insurance plans can help reimburse vet bills related to injuries and illnesses, helping provide a financial safety net for unplanned circumstances.

Accidents and Injuries

Broken bones, cruciate ligament tears,7 poisoning

Illnesses and Conditions

Cancer, hereditary and chronic disorders, gum disease

Exams and Prescriptions

Emergency exams, anxiety meds, prescription food

Procedures and Diagnostics

Surgeries, hospitalizations, x-rays, labs

Holistic/Alternative Therapies

Acupuncture, laser therapy, hydrotherapy

What’s Covered Under an Optional Preventative Care Policy8

While a standard policy can help protect against the unexpected, our optional wellness plan can help you save big on the predictable.

Preventative Care

Including annual exams and routine vaccines

Spaying & Neutering

Perfect for your youngest furry friends

Parasite Prevention

Heartworm, flea, and tick meds

Dental Work

Even cleanings and anesthesia

Read our coverage & exclusions to learn more, or call 1-800-GET-MET8 to chat with an expert.

How Our Cat Insurance Works

Ready to Give Cat Insurance a Try?

Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, and Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85454. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for complete details. MetLife Pet is the policy administrator. The entity may operate under an alternate, assumed, or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).

1 2022 “Lifetime of care study,” Synchrony, last accessed March 15, 2023

2 Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose Reimbursement options include: 70%, 80%, 90% and 100% and a 50% option for MetGen policies and a 65% option for IAIC policies only.

3 Based on a plan with 90% reimbursement rate, not including a $250 deductible

4 2022 Pet Innovation Awards, Independent Innovation Awards, last accessed October 6, 2022

5 All costs are based on MetLife internal claims data.

6 Provided all terms of the policy are met. Application is subject to underwriting review. Policies issued by IAIC and MetGen contain certain restrictions, exclusions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions contact MetLife Pet

7 For IAIC policies, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.

8 Can be purchased at an additional cost.

9 Approximately 80% of claims are processed within 10 days or less.


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