Key Facts

• The article’s five picks are ASPCA Pet Health Insurance for best overall, Lemonade for kittens, Trupanion for hereditary and chronic conditions, Pets Best for senior cats, and Pumpkin for dental illness coverage.
• ASPCA’s Complete Coverage plan includes eligible accident and illness treatment, exam fees, hereditary and congenital conditions, dental diseases, behavioral issues and alternative therapies.
• ASPCA lets customers choose annual coverage limits, deductibles and reimbursement percentages.
• ASPCA has no upper age limit for enrollment, and certain curable pre-existing conditions may qualify for coverage after 180 symptom- and treatment-free days, subject to policy requirements.
• ASPCA excludes chronic and incurable pre-existing conditions, and its premiums may be higher than those of more limited policies.
• The article says cat insurance generally costs less than dog insurance, but coverage varies among policies.
• The article identifies optional preventive care as one consideration for kittens and comprehensive medical coverage as a possible priority for older cats or breeds prone to inherited conditions.