Your Cat Needs Pet Insurance—Here’s Why

| Aimee Ellis

You might think your healthy & independent feline doesn't need pet insurance, but cats can hide illnesses & injuries, and coverage can help with unexpected costs.


As a cat owner, you want to make sure your feline friend has the best possible life and care. There are a lot of preconceived notions about cats, such as they don’t get sick or need regular vet care. That couldn’t be further from the truth—and that’s where pet insurance comes in. While many pet owners assume that pet insurance is only for dogs—that’s not the case. Cats are welcomed members of the pack here at AKC Pet Insurance.

Cats Need Regular Vet Care

Cats have the reputation for being independent and self-sufficient. Because of this, many pet owners don’t think they need regular vet check-ups or that pet insurance isn’t necessary. But, cats are masters of hiding their pains and illnesses, often until it’s too late. They most likely evolved this way—being seen as sick or in pain in the wild makes them appear weak to predators. That’s why it’s vital to take your kitty for regular check-ups to ensure they’re in peak physical health.

Besides regular check-ups, it’s important to be aware of any signs of behavioral changes in your cat. These changes could be signs of underlying illness or pain, and could include lethargy, decrease in appetite, urinating outside of the litter box, matted fur, and more.

Even a housecat living a cozy life indoors can get sick and rack up vet bills.

Indoor Cats Experience Chronic Health Conditions

Like you, your cat can have an accident or get sick unexpectedly, which can be expensive to treat. If you’re lucky, you’re insured, so your doctor’s visit and treatment is covered, but what about your kitty? With pet insurance, you can have peace of mind knowing that your cat will be covered for a portion of eligible expenses, which may include surgery, medications, and hospitalization.

Some cats even develop chronic conditions like diabetes, kidney disease, or allergies, which need ongoing treatment and care*. Because these conditions are so common, it’s important to protect your cat while they’re healthy and before these issues pop up. Pet insurance may help cover a portion of the costs for these treatments, making it easier for you to provide the best possible care for your furry friend.

In some cases, your cat may need to see a specialist, such as an oncologist, cardiologist, or neurologist**. These types of veterinary visits can be expensive on their own, but pet insurance can help offset the cost, so your cat can receive the treatment they need. And that’s the whole point of sharing our lives with these creatures—giving them the best possible care.

Be There for Them, Like They Are for You

If you’re a cat person, you know how much your cat loves you. Think of the times your cat knew when you needed that extra cuddle or that loud, calming purr to soothe your anxiety or stress.

Getting pet insurance for your little purring sidekick is an easy way to show them you care. Accident & Illness Coverage through AKC Pet Insurance (underwritten by Independence American Insurance Company) can provide valuable protection for your cat's health and well-being, helping give you peace of mind and financial security in the event of unexpected veterinary bills. Click here for a quote today!

*Covered at an additional cost with the optional Hereditary & Congenital Coverage add-on.

**Covered at an additional cost with the optional Exam Coverage add-on.

Aimee Ellis

Aimee is a New Jersey native currently living in Richmond, Virginia with her husband and crew of four cats. She has an English degree and when she isn't writing for AKC Pet Insurance, you can find her drinking seltzer, painting, watching reality TV shows, and trying to wrangle her cats into sweaters.