Insurance
Is pet insurance worth it for indoor cats?
Indoor cats avoid many accidents, but not illness. Digestive problems, dental disease and urinary infections are among the most common cat claims, so insurance can still make sense if a sudden bill would be hard to pay.
Cat insurance is growing fast
According to NAPHIA’s 2026 State of the Industry Report, only about 2.3% of U.S. cats were insured at the end of 2025, compared with about 6% of dogs. But cats are the fastest-growing segment: insured cats rose about 16% in 2025, and premiums for cats grew about 33%.
What cat insurance costs
The same report puts the average U.S. accident and illness premium for cats at $435 a year in 2025, roughly $36 a month, about half the average for dogs. Plans with built-in wellness coverage cost more.
The most common cat claims
NAPHIA lists digestive (GI) issues, dental disease, urinary tract infections, anxiety and behavioral conditions, respiratory problems and kidney disease among the most common medical conditions in cats.
Indoor doesn’t mean low risk
- Urinary and kidney problems are common in cats and can need hospital care.
- Dental disease often requires cleanings or extractions under anesthesia.
- Cats hide illness, so problems are often found later and cost more to treat.
How to decide
Insure while your cat is young and healthy, before any condition becomes pre-existing. Compare a year of premiums with what you could comfortably pay for a sudden illness.
Frequently asked questions
How much is cat insurance per month?
NAPHIA reports an average U.S. accident and illness premium for cats of $435 a year in 2025, about $36 a month. Your price depends on age, breed, location and plan options.
What are the most common cat insurance claims?
Digestive issues, dental disease, urinary tract infections, behavioral conditions, respiratory problems and kidney disease are among the most common, according to NAPHIA.