Pet insurance
Cat insurance in New York
Indoor cats still get sick. Cat insurance is the fastest-growing part of pet insurance.
What cat insurance costs
The average U.S. accident and illness premium for cats was $435 a year in 2025, about $36 a month, roughly half the average for dogs.
Source: NAPHIA 2026 State of the Industry Report (2025 data).
Cats are catching up
Only about 2.3% of U.S. cats are insured, but insured cats grew about 16% in 2025 and cats now make up about a quarter of all insured pets.
The most common cat claims
Digestive issues, dental disease, urinary tract infections, behavioral conditions, respiratory problems and kidney disease are among the most common, according to NAPHIA.
Is pet insurance worth it for indoor cats?
Questions
Do indoor cats need insurance?
Indoor cats avoid many accidents but still develop illnesses like urinary, dental and kidney problems, which can be costly.
How much is cat insurance per month?
The U.S. average for accident and illness coverage was about $36 a month in 2025, according to NAPHIA.