Best cat insurance 2026
Cat health insurance policies compared on reimbursement rates, waiting periods, annual caps and management. Editorial ranking scored out of 100 according to our methodology.
- SantéVet (long-standing insurer, wide vet network), Dalma (fast subscription and reimbursement, often within 48 h) and Kozoo (no-deductible offers) are among the reference players in 2026.
- The key comes down to the reimbursement rate (often 60 to 100 %), the annual cap (generally 1,000 to 2,500 €, sometimes up to 3,000 €), the deductible and the waiting periods.
- Indicative market premium: ~10 to 25 € / month for a young cat in good health, depending on age, breed and plan — to be confirmed by quote.
- ⚠️ This comparison is not personalized advice. Waiting periods, exclusions and caps vary from one contract to another: check the up-to-date general terms with the insurer.
Cat health insurance helps cope with unforeseen veterinary costs, from accidents to chronic illnesses. Behind similar offers, the gaps lie in reimbursement rates, annual caps, deductibles, waiting periods and the quality of online management. It is not a legal obligation but optional cover whose value depends on the animal’s profile. This comparison is an editorial ranking scored out of 100 according to an identical grid for all insurers; it does not replace reading the general terms nor a personalized quote.
Our methodology
Each option is scored out of 100 against weighted criteria, using the same grid for all.
| Criterion | What we look at | Weight |
|---|---|---|
| Cover & reimbursements | Rate, covered procedures, prevention package | 30 |
| Caps & deductibles | Annual cap, deductible, waiting periods | 25 |
| Price & value for money | Premium according to the animal's profile | 20 |
| Subscription & management | App, reimbursement, vet third-party payment | 15 |
| Customer service | Availability, responsiveness, customer reviews | 10 |
The 2026 ranking
SantéVet
Dalma
Kozoo
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Comparison table
| Insurer | Premium | Prevention | Subscription | Score |
|---|---|---|---|---|
| SantéVet | on quote | Depending on plan | Online / adviser | 92 |
| Dalma | on quote | Depending on plan | 100 % online | 89 |
| Kozoo | on quote | Depending on plan | 100 % online | 86 |
Frequently asked questions
From what age should you insure your cat?
Most insurers accept kittens from a few weeks old (often 2 to 3 months) and set a maximum age at subscription. Subscribing young limits exclusions linked to prior conditions. Check the age conditions specific to each contract.
What is the waiting period?
It is the period after subscription during which certain cover does not yet apply. It is often short for accidents (48 h) but longer for illnesses (frequently in the order of 30 to 45 days) and sometimes several months for procedures linked to a pathology. Always consult the up-to-date general terms.
How much does cat insurance cost?
For a young cat in good health, the market premium is often around 10 to 25 € per month, with an average of around 20 € across all plans. The price depends on age, breed, the reimbursement rate and the cap chosen: it is obtained by quote.
Are hereditary illnesses covered?
It depends on the contract: some plans include them under conditions, others exclude them, as do illnesses predating subscription and elective care. Read the list of exclusions and the caps carefully before subscribing.
🗓️ Update history
- 05/08/2026 — Verification of players and facts, 2026 update.
- 18/07/2026 — Update of plans and the prevention criterion 2026.
- 05/04/2026 — Revision of scores and addition of an insurer.
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