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Is cat insurance worth it?

Even without accounting for unforeseeable emergency expenses, the total cost of cat ownership can reach $1,000 in the first year, and up to $500 in yearly costs thereafter. Add in unexpected vet visits, and those numbers can skyrocket. Fortunately, for a manageable monthly fee, you can purchase a cat health insurance plan and reduce worry from having to shell out exorbitant costs for kitty emergency care.

Importance of Cat Insurance

Just like humans, pets often experience unexpected health related emergencies. Adding to the challenge of trying to safeguard against all possible disasters, is the fact that they can’t speak up and tell us when they begin to experience any new discomforts, offering alert to an oncoming emergency.

We also tend to schedule check-ups less frequently for our pets that for ourselves. If the budget is tight and you have to choose between braces for your child or a checkup for your cat, even your cat would tell you, “get the kid braces, I’m fine.” Without regular checkups, however, small issues can wind up as major health crises.

In addition, the ever-curious cat can get into accidents. Cats love to run out the front door and nosh on dangerous and toxic non-edibles around the home. These common feline shenanigans can lead to vet bills that aren’t in the budget. It is in these instances cat insurance can save your pet and your bank account.

Here’s How Cat Insurance Works

We keep pet insurance simple at Figo, so you can focus on what’s important. You have the option to choose from one of three plans with reimbursement percentages and annual deductibles that suit your budget. Once you choose your option and sign up, the rest is easy.

When you find yourself at the vet with your cat for an unexpected ailment or injury, submit those vet bills to us. After reviewing your pet’s medical records, we may reimburse up to 100 percent of those bills (depending on the plan you chose). Additionally, you can choose to have accident or illness related veterinary exam fees covered in your plan, unlike some pet insurance companies.

Similar to all cat insurance plans, Figo excludes pre-existing conditions. We are in this field to help as many pets as possible, so there is a chance we may waive curable conditions. While this is a brief summation of the policies and how they work, if you would like to learn more, visit this post: The Ultimate Cheat Sheet on Pet Insurance.


No matter how careful you are, accidents and unforeseen illness happen. Some forces of nature are beyond our control. But what you can control, is cutting out that impossible decision as to whether or not you can afford the vet bills. The last thing you need to be thinking about when your cat is in crisis, is how much money is in your bank account. Cat insurance can save the day when emotions are running high, and we encourage you to begin your research today. Starting with our FAQ Page is a great place to get the ball rolling.

Editor’s Note: A normal day at the park turned into a pet emergency for Sunshine Fox’s dog Max. After being bit by a rattlesnake, Figo Pet Max, needed lifesaving anti-venom treatment. Read his story here.

Anne McAuley Lopez is a professional blogger and the founder of Blogging Badass. Since 2010, she has worked with clients to create content that tells the story of their business and connects them to their target market. It could be argued that she knows entirely too much about termites, retirement planning, court reporting, Alaskan fishing and mining, and social media—which makes her a great blogger and trivia night partner. When she’s not showing off her mad skillz, Anne can be found spending time with her husband, watching romantic comedies, eating tacos, or walking her dog.

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