[object Object]
background pattern

Budget Friendly
Cat Insurance

Get Your Quote Now!
[object Object]

Best in Class Protection,
Built for Your Best Friend.

  • Get up to 100% cash back on all covered Vet bills
  • Covered on all accidents and most illnesses
  • Get coverage anywhere in the United States

pawdarling Cat insurance covers when you need it most

Quality care for your cat shouldn't be a struggle. Pawdarling’s cat insurance covers both emergencies and everyday needs, so you can focus on their health.

Bullet 1
Diabetes
Managing chronic conditions like feline diabetes can be expensive. We help cover the cost of insulin, testing, and vet visits.
Bullet 2
Bone Fractures
From curious climbs to unexpected falls, cats can get injured fast. Our plans cover diagnostics, treatments, and follow-ups.
Bullet 3
Microchipping
Ensure your cat is safe and easy to locate with coverage that includes essential preventative care like microchipping.

How does Cat insurance work?

Pawdarling’s budget friendly cat insurance makes protection simple. Choose your plan, visit any licensed vet, submit your bill online, and get reimbursed quickly. It's flexible, affordable, and designed for real pet parents.

Get Your Quote Now!

How Pawdarling Helped Max

When Max needed emergency surgery, Pawdarling was there. His treatment cost over $20,000, but his parents had a 100% reimbursement plan. They only paid their yearly premium, and Pawdarling covered the rest, giving Max the care he deserved.

icon
Treatment Invoice
$20,400
Pawdarling Insurance ($25/mo for 1 year)
$300
100% Reimbursement Rate
-$20,400
Pawdarling Paid
$20,100
Max’s Parents Paid
$300

Accident + Illness Coverage & Add-on Options

Choose your level of protection with Pawdarling’s budget-friendly cat insurance. Every plan is built for real life, with upgrades for proactive care.
icon

Accident + Illness

The core plan from Pawdarling covers everything from unexpected injuries to common illnesses. It's the best pet insurance for giving you peace of mind that your pet is protected.

icon

Preventative Care Add-ons

For even more protection, add routine care to your policy. It covers essentials like vaccines, dental cleanings, and wellness exams, ensuring your pet is covered at every stage of life.

coverages

Cat coverage when you need it

Cats are independent, but their healthcare shouldn't be overlooked. Our budget-friendly cat insurance covers the conditions and situations that matter most.
icon

Accidents

Injuries from falls, bites, or playtime mishaps are covered, including diagnostics and treatment.

icon

Behavioral Issues

From litter box problems to anxiety, get support for treatments when recommended by your vet.

icon

Hereditary Conditions

If your cat is prone to breed-specific issues, we’ve got coverage that prepares you for the long term.

icon

Illnesses

Respiratory infections, digestive issues, and other illnesses are included in your plan—so your cat gets care without delay.

coverages

Cat insurance Plan Benefits

Don't sacrifice quality for cost. Pawdarling’s budget-friendly cat insurance includes all the essential benefits for a long, healthy life.
icon

Diagnostics

From blood tests to ultrasounds, we help cover the cost of identifying issues early and accurately.

icon

Therapies

Includes recovery treatments like rehab, acupuncture, and hydrotherapy when recommended by your vet.

icon

Treatments

Whether it's emergency care or ongoing treatment, we’re here to reduce the cost of keeping your cat healthy.

icon

Prescriptions

Medication costs add up fast. Our plans help pay for prescriptions, supplements, and special diets.

Getting Money back Is Easy!

Filing a claim shouldn't be stressful. Pawdarling makes it easy with a simple 3-step process and fast reimbursements, so you can focus on your pet's recovery.

Step 1
1
Visit any vet
Choose any licensed veterinarian or clinic in the U.S.—no networks or restrictions.
Step 2
2
Upload your vet bill
Snap a photo of your invoice and upload it online in just seconds.
Step 3
3
Get money back
Receive fast reimbursement via direct deposit for all covered services.
patternbackgroundbackgroundbackground

Don’t wait until it’s too late get your quote now

Enroll Today

Frequently Asked Questions

We offer coverage for the Actual Costs of any Medically Necessary Treatment your pet receives for a covered injury or illness during the policy period, up to the Per Incident Limit and Annual Benefit Limit shown on your Declarations Page.

Our basic pet insurance policy reimburses you for Medically Necessary Treatments, including:

  • Examinations: Physical exams, consultations, health inspections, office visits, virtual visits, and referral fees.
  • Surgical Treatments: Procedures required for covered injuries or illnesses.
  • Diagnostic Tests: X-rays, ultrasounds, CT scans, laboratory tests, and more.
  • Medical Supplies: Supplies required for procedures deemed Medically Necessary by your vet.
  • Hospitalization: Stays required by your vet for treatment.
  • Orthodontic Treatment: Due to a covered injury or illness.
  • Emergency Transportation: Ground pet ambulance transportation up to $100.
No, our insurance is a reimbursement-based plan, not a traditional co-pay type. This means you pay for your pet's medical expenses upfront, and we reimburse you for eligible costs. Depending on your policy, you can receive up to 100% back on covered medical expenses after your deductible is met. This approach ensures you get the care your pet needs without being restricted to specific networks or providers.

Dental coverage is not included in the basic plan but can be added separately with our Dental Coverage Endorsement. This optional add-on provides reimbursement for:

  • Endodontic treatments for dental injuries, such as root canals and crowns, when deemed medically necessary by a veterinarian.
  • Dental extractions that are medically necessary due to a covered injury or illness.

You can add this coverage at the start of your policy or during renewal. Please note that a waiting period may apply, as outlined in your policy details. If you decide to remove this coverage, you can do so at any time during the policy period.

This ensures your pet's dental health is protected alongside their overall wellness!

Yes, if you add the Alternative Therapies Endorsement to your policy, we will reimburse you for a variety of alternative and complementary therapies for your pet. This includes treatments such as:

  • Acupuncture
  • Chiropractic care
  • Hydrotherapy
  • Physiotherapy

These therapies must be performed by a veterinarian or under the direct supervision of veterinary staff. Additionally, coverage for veterinary consultations to diagnose and treat behavioral problems is available, up to an annual limit of $2,000.

The Alternative Therapies Endorsement can be added at the start of your policy or during renewal. A waiting period may apply, as outlined in your policy documents. If needed, you can remove this endorsement at any time during the policy period.

This option provides additional flexibility to address your pet’s unique health needs beyond traditional treatments!

Our policy does not cover pre-existing conditions. A pre-existing condition is defined as any medical condition that first occurred or showed clinical signs before the policy's effective date or during the waiting period.

However, we do make an exception for pre-existing conditions that are considered Cured. A condition is deemed cured if:

  • It is a temporary illness or injury.
  • It has been resolved without recurrent symptoms or ongoing treatment for at least 12 months and documented in writing by your Vet.

Please note that knee or ligament injuries, illnesses, and hip dysplasia are not considered curable and remain excluded.

This policy ensures fairness while helping you protect your pet's future health needs.

Yes, there are age restrictions for new enrollments:

  • Without the Wellness Endorsement: Pets must be at least 6 weeks old and no older than 15 years.
  • With the Wellness Endorsement: Pets must be at least 8 weeks old and no older than 15 years.

For renewal policies:

  • For renewal policies:
  • Pets over 15 years old are eligible for renewal as long as they were enrolled in the policy before their 15th birthday and have maintained continuous coverage.

These guidelines ensure comprehensive protection for your pet at every stage of their life.

Deductibles and coinsurance can be customized for each pet, allowing you to tailor the policy to fit your budget and coverage needs. However, all other coverages are set at the policy level and cannot be individually customized.

Plus, you’ll get a 20% discount on each additional pet after the first one, making it easier and more affordable to protect your entire furry family!