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Cat Insurance

Cat Insurance Costs in the U.S. by State

November 23, 2024
cat insurance costs across the U.S.

Cat insurance costs in the United States can vary significantly depending on your location. Factors such as veterinary pricing, regional risks, and state-specific regulations influence premiums. This guide breaks down the average costs of cat insurance in popular states like Florida, Hawaii, and Texas.

What Determines Cat Insurance Costs by State?

The following factors affect the cost of cat insurance in different states:

  1. Veterinary Costs: States with higher veterinary expenses, such as Hawaii and Washington, often have higher premiums.
  2. Risk Factors: Climate, local wildlife, and prevalence of certain diseases (e.g., heartworm in Florida) can influence costs.
  3. Coverage Type: Accident-only plans are cheaper than comprehensive policies, regardless of state.

State-by-State Breakdown of Cat Insurance Costs

1. Florida

  • Monthly Cost: $20–$50.
  • Key Considerations: Florida’s humid climate increases the risk of parasitic infections, making wellness add-ons valuable.
  • Providers: Nationwide and Embrace are popular choices for comprehensive coverage.

2. Hawaii

  • Monthly Cost: $25–$60.
  • Key Considerations: Hawaii’s isolated location leads to higher veterinary costs, impacting premiums.
  • Providers: Figo and Trupanion are noted for their coverage in Hawaii.

3. Ohio

  • Monthly Cost: $15–$40.
  • Key Considerations: Affordable veterinary care and lower risk factors contribute to Ohio’s relatively low premiums.
  • Providers: ASPCA Pet Insurance is a common option for Ohio pet owners.

4. Oregon

  • Monthly Cost: $20–$50.
  • Key Considerations: Oregon’s pet-friendly culture supports a competitive market for cat insurance.
  • Providers: Healthy Paws and Spot are favored for their broad coverage.

5. Texas

  • Monthly Cost: $20–$55.
  • Key Considerations: Texas’s diverse climate and large rural areas increase exposure to wildlife and accidents.
  • Providers: Lemonade and Fetch by The Dodo are well-reviewed for Texan cats.

6. Washington State

  • Monthly Cost: $25–$60.
  • Key Considerations: High-quality veterinary services in urban areas like Seattle contribute to above-average costs.
  • Providers: Pumpkin and Pets Best are popular choices.

How to Save on Cat Insurance in Any State

  1. Compare Providers: Use online comparison tools to find the best rates.
  2. Customize Plans: Opt for higher deductibles or lower reimbursement rates if you’re on a budget.
  3. Look for Discounts: Many providers offer multi-pet discounts or annual payment savings.

Conclusion

Cat insurance costs vary widely across states, with factors like veterinary fees and regional risks shaping premiums. Whether you’re in Florida, Hawaii, or Washington State, understanding the local landscape can help you find the best coverage for your feline friend.