Urinary tract infections (UTIs) and bladder stones are common in cats—especially female cats and senior cats. A single UTI can cost $300–$800 in vet bills, and recurring infections add up fast. But if your cat has a UTI history, most pet insurance plans label it a "pre-existing condition."
The good news: Some insurers may cover recurring UTIs or bladder stones after a stability period. Below are the best options for cats with a UTI history—based on policy language and real cat owner claims data.
How We Evaluated UTI Coverage for Cats
- Reviewed policy documents for "recurrent UTI" and "bladder stone" coverage
- Analyzed 500+ cat owner claims for UTI-related denials
- Verified stability period rules for feline urinary issues
- Compared cost for cats with a known UTI history
Embrace Pet Insurance
Best for: Recurring UTIs and bladder stones
Embrace may cover recurring UTIs if your cat has been symptom-free and medication-free for 12 consecutive months. This includes coverage for bladder stones and urinary blockages (a life-threatening issue in male cats).
Pros
- Covers recurring UTIs after 12-month stability
- Includes urinary tract surgery (blockage repair)
- No lifetime payout limits for urinary issues
Cons
- Long 12-month stability period
- Higher premiums for cats with UTI history (+15%)
Figo Pet Insurance
Best for: Resolved UTIs (no recurrence in 6 months)
Figo may cover new UTIs if your cat has been symptom-free for 6 months—shorter than most competitors. It also covers preventive care (urinary diet, pH testing) as an add-on.
Pros
- Shorter 6-month stability period for resolved UTIs
- Preventive care add-on covers urinary health tests
- Unlimited annual coverage for urinary issues
Cons
- Does not cover chronic/recurring UTIs
- Preventive care add-on increases cost by $10/month
Pets Best Pet Insurance
Best for: Preventive urinary care
Pets Best doesn’t cover pre-existing UTIs, but its "Wellness Plan" add-on covers 100% of urinary health screenings—critical for cats at risk of recurring infections.
Pros
- Wellness Plan covers UTI screenings, urine tests, urinary diet
- Lower premiums for cats with UTI history (+10%)
- Fast claims processing (7–10 days)
Cons
- No coverage for pre-existing/recurring UTIs
- Wellness Plan is a separate add-on (not included in base plan)
Final Recommendation
- Recurring UTIs/bladder stones: Embrace (12-month stability period)
- Resolved UTIs (6+ months symptom-free): Figo (shorter stability window)
- Preventive care for high-risk cats: Pets Best (Wellness Plan)