Cat insurance plans
by Nationwide®
We believe every cat deserves the best health care
See coverage options for your
Start researching coverage for your cat
We offer kitten adult cat insurance coverage options for accidents, illnesses and wellness. No matter your needs, you can choose the best coverage options for you and your cat.
Coverage built around your adult cat
With over four decades of experience protecting cats, we know that coverage counts.
Protect your cat’s future
Having pet insurance for your cat isn't just about covering costs—it's about peace of mind. When your cat needs medical attention, the last thing you want to worry about is a hefty vet bill. Nationwide pet insurance can help you manage the costs so you can focus on getting the care your pet needs. Whether it's an unexpected accident or a sudden illness, your cat's health is our top priority. Choosing our pet insurance coverage allows your cat to get the care they need without putting financial strain on your family.
Managing vet treatment costs
Dealing with common pet health issues can hit your wallet hard. For instance, treating a simple ear infection can cost on average $250. If your cat breaks a bone, you could be looking at bills anywhere from $200 to $5,000, depending on the severity. Then there's stomach trouble — if your cat swallows something they shouldn't, surgery alone might set you back as much as $2,000.** With Nationwide's pet insurance for cats, your focus is your pet's health, not the bills that come along with it.
Every Nationwide pet insurance member enjoys:
Always There Pet CareSM
Use any vet, anywhere
VetHelpline®
Unlimited, 24/7 virtual pet telehealth
Nationwide PetRxExpress®
Save money on pet meds
Important Disclosures: Insurance explanations and reimbursement examples are informational only; actual coverage is determined by your policy terms. Plans and coverages may not be available in all states and may be subject to waiting periods, underwriting review, deductibles, coinsurance, and/or annual limits. Policy terms and eligibility may vary and are subject to change. Exclusions, policy conditions, and limitations apply. Pre-existing conditions may be excluded from coverage. Review your policy documents for full details. Premiums may increase at renewal for reasons including but not limited to pet's age, location, or claim history.
Reimbursement example reflects Modular Pet Insurance Plan with Accident, optional Illness and optional Wellness Level 2 coverage, with $5,000 annual limit for each category, 80% reimbursement, and a $250 annual deductible that was already met prior to the claim. This plan may not be available in all areas. Pre-existing conditions are not covered. Veterinary bill amount is based on Nationwide claims data in a rolling 12-month period for treatment of specified condition. Treatment cost includes expenses incurred in the first 30 days after initial diagnosis and reflects the 80th percentile of expenses.
[2] Premium shown is based on a 1-year-old Domestic Shorthair cat located in ZIP code 60615 (Chicago, IL), enrolled in the Modular Pet Insurance plan with an annual limit of $5,000 per selected medical category, 70% reimbursement, and a $250 annual deductible. Includes optional wellness coverage with defined annual benefits per condition, up to a $450 total annual benefit. Individual coverage costs may vary by up to $0.02 due to rounding differences. Total cost may vary due to applicable fees and state surcharges. Premium costs may vary by state. Start a quote to view a price estimate specific to your state of residence.
**Based on Nationwide 2024 claims data
What's not covered
While Nationwide cat insurance provides extensive coverage, there are a few things that aren't covered. Understanding your plan's limitations can help you and your family prepare for any potential out-of-pocket expenses and set an appropriate expectation for what your insurance plan covers. Nationwide pet insurance does not cover the following:
- Pre-existing conditions
- Waste disposal
- Boarding
- Grooming
- Expenses not directly related to veterinary services
We love our pets just as much as you do and we know that coverage limitations can be stressful. We work to keep our limitations to a minimum while also keeping your costs low. See a full list of exclusions or refer to your policy for further information.
Customizable plans to fit your needs
Nationwide allows you to customize your cat insurance plan so you can have coverage that fits your needs and your budget.
Annual deductible for cat care
Choose your annual deductible from $250, $500, and $1,000 options. Paying a higher deductible will help you pay less for pet insurance.
Cat care reimbursement
Select a lower reimbursement percentage and pay a lower premium.
Preventive care add-on for cats
Save money on preventive care like annual exams, vaccinations, and flea/tick prevention.
Annual maximum for cat coverage
Enroll with a lower annual reimbursement maximum and pay less for your pet insurance.
How does cat insurance work?
Managing your cat’s health can be stressful if they are sick or hurt. Nationwide’s cat health insurance allows you to focus on your pet's health and treatment.
Visit any specialist
At the first sign of health issues, bring your cat to any licensed veterinarian anywhere in the world.
Submit your claim
Once your cat has been treated, simply access Nationwide’s online portal to submit the paid vet invoice and any relevant treatment details.
Receive reimbursements
Nationwide efficiently processes insurance claims ensuring that reimbursements for costs covered under your policy are delivered promptly.
Comprehensive coverage, everywhere
With Nationwide pet insurance, you're covered everywhere you go. Whether you're sticking with your preferred vet or need a specialist or ER, have questions, big or small, or want preferred pricing on prescription drugs with automatic claims submissions, Nationwide has it all.
Every Nationwide pet insurance member enjoys:
Always There Pet CareSM
Use any vet, anywhere
VetHelpline®
Unlimited, 24/7 virtual pet telehealth
Nationwide PetRxExpress®
Save money on pet meds
Discover the right health insurance coverage for your dog, cat or exotic pet with Nationwide
I know that sometimes there can be unexpected expenses with pets, and I’d rather feel secure and like I could take care of big things if they happen.
- Marina, pet parent of Prison Mike
The Nationwide difference
Nationwide pet insurance is the only provider that includes comprehensive coverage, multiple wellness options, exam fees, and 24/7 telehealth access — all in one plan.
| Plan Feature |
|
Trupanion | Healthy Paws | Embrace |
|---|---|---|---|---|
| Comprehensive coverage that lets you visit any hospital or specialist |
 Nationwide: Yes
|
Trupanion: Yes
|
Healthy Paws: Yes
|
Embrace: Yes
|
| Multiple wellness coverage options available |
Nationwide: Yes
|
 Trupanion: No
|
Healthy Paws: No
|
Embrace: Yes
|
| Exam fees covered |
Nationwide: Yes
|
Trupanion: No
|
Healthy Paws: No
|
With purchase of optional coverageEmbrace: With purchase of optional coverage |
| Telehealth - 24/7 access to veterinary experts |
Nationwide: Yes
|
Trupanion: No
|
Healthy Paws: No
|
Embrace: No
|
Pet insurance provider comparison: Comprehensive coverage - Nationwide: Yes, Trupanion: Yes, Healthy Paws: Yes, Embrace: Yes. Multiple wellness coverage options - Nationwide: Yes, Trupanion: No, Healthy Paws: No, Embrace: Yes. Exam fees covered - Nationwide: Yes, Trupanion: No, Healthy Paws: No, Embrace: With purchase of optional coverage. Telehealth 24/7 access - Nationwide: Yes, Trupanion: No, Healthy Paws: No, Embrace: No.
Health & wellness for adult cats
Adult cats are creatures of routine and often hide illnesses until they become dire. Keep up with their health to diminish the stress of vet visits and make sure your kitty stays spry and healthy.
Frequently asked questions
It’s a good idea to enroll in medical insurance for your cat as early as possible, before chronic health conditions develop, or your cat needs any medical care that could put limitations on your coverage.
Yes, we offer cat health insurance for cats at any stage of life.
The annual limit depends on the pet health insurance coverage you select for your cat. See your policy documents for details.
Nationwide offers plans with deductible options. Most of our pet families choose a $250 annual deductible.
Depending on the type of coverage you select some genetic conditions may be covered, as long as they are not pre-existing conditions.
The amount of coverage you choose depends on your budget and your cat’s breed. Make sure you keep health problems typical of your cat's breed in mind when choosing a health plan.
You can change your coverage during the annual policy renewal period. Some changes to your insurance may need to be reviewed by underwriters.
Nationwide will cover your cat's spay or neuter only if you have purchased the optional wellness rider that includes spay/neuter benefits.
Nationwide pet health insurance plans have a 14-day waiting period before coverage starts. Please refer to your policy details for the specific waiting period.
Yes. Nationwide offers a wide array of dog insurance plans. You can explore our dog insurance coverage options here.