When it comes to insuring your pet, all pet insurance companies are not the same. Each one has advantages and disadvantages for you to consider. Not all policies reimburse 100 percent of the treatment cost; some only reimburse 80 to 90 percent of the costs. All plans have some type of deductible, but that varies, too. Some are as low as $25, while others can be as high as $200.

In addition, some companies do business in the U.S. and Canada, while others only do business in certain states. It pays to compare cat insurance between plans, because some plans do not accept older cats, while others do, and some give discounts for indoor cats.

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