Is Pet Insurance Worth It? Absolutely!


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I could have ended the headline for this post at the question mark, but since I’m not a fan of click bait headlines, and since I’m a firm believer that every cat guardian should at least look into getting pet insurance, I decided to give you my bottom line right from the start.

Could you afford an unexpected $1000 or $2000 for a medical emergency, or even more for a chronic serious illness?

If your answer to this question is no, you owe it to yourself and your cats to look into pet insurance.

Myths about pet insurance

There’s a lot of false information out there about pet insurance, much of it from people who may have looked into it several years ago, and never took another look. At this point, there truly is a plan for everyone out there, and even older cats, or cats with pre-existing conditions can obtain some coverage. Another argument I often hear is that pet insurance won’t let you choose your own vet. Nothing could be further from the truth. I debunk five of the most common pet insurance myths here.

The following questions can help you choose a pet insurance provider

There are a lot of options in the pet insurance market place, and it will require quite a bit of homework on your part. Ask these questions when evaluating a provider:

  • Is the company licensed in your state?
  • Does the company have a good reputation?
  • How long have they been around?
  • Is the policy information easy to understand?
  • Does the company offer customer service during business hours?
  • Can you see any veterinarian you want?
  • How much have premiums increased over the last few years?
  • Will premiums increase as your pet gets older?
  • What is covered and what is excluded from coverage?
  • What is the company’s policy on pre-existing conditions?
  • Does the company cover benefits for wellness visits and preventive care?
  • Does the company cover holistic care?
  • Is there a waiting period before coverage becomes active?
  • Is there a maximum age for enrolling your cat?
  • Are there reimbursement limits per case, per year, per lifetime?
  • Is a physical exam required prior to enrollment?

Why I’m glad I have Embrace Pet Insurance for Allegra and Ruby

I got pet insurance for Allegra and Ruby two years ago. After looking at a number of different plans, I chose Embrace Pet Insurance. They’ve been around for twelve years. They have a solid reputation in the veterinary community. And most importantly, I personally know Laura Bennett, Embrace’s CEO and co-founder. I have chatted with Laura at several conferences, and have been impressed with both her business knowledge and her energy (something that, while elusive, is critically important to me when it comes to making decisions about anything.)

I chose a plan that covers illness and accidents only with a $8,000 annual maximum, $500 deductible and 70% reimbursement.  I chose not to get a wellness plan. Allegra and Ruby are seven and six years old , and the premium to cover both girls is about $40 a month. I’d say that’s well worth the price of peace of mind, and it’s already paid off in a big way for us. When Allegra had to have several teeth removed due to resorptive disease, Embrace covered a big portion of the $1,800 bill. When Ruby had to have all her teeth extracted earlier this year due to the same disease, Embrace covered almost half of the $3,500 bill. (The reason they didn’t cover more was because gingivitis was a pre-existing condition for both girls.)

Choose a plan that works for you and your cats

If you decide to get pet insurance for your cats, do your research. Look at a lot of different plans, then choose the plan that is right for you and your cats.

If you would like more information about Embrace Pet Insurance, click on the image below to get a free quote for your cats.

*FTC Disclosure; I am an affiliate partner of Embrace Pet Insurance. This means that if you decide to purchase insurance for your cat throughour link, we get a small commission. We only spread the word about products and services we’ve either used or would use ourselves.

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Welcome to the Conscious Cat

The Conscious Cat is an award winning website published by writer and cat expert Ingrid King, author of Buckley's Story and Purrs of Wisdom. Here at The Conscious Cat, we're passionate about cats. Our mission is to educate cat guardians so that every cat, and every cat's human, can have a happy, healthy life together.


On this site, you will find expert advice from a seasoned cat consultant. The Conscious Cat features articles on cat health, cat nutrition, cat behavior, cat lifestyle, pet loss, and, of course, pictures of cats. We'll bring you product and book reviews, as well as news from around the cat world.

We'll also share Purrs of Wisdom: lessons in conscious living, inspired by the cats who share our lives. Other features include our Mews and Nips; fascinating feline stories from around the globe, and Allegra's World and Ruby's Reflections; written from the perspective of Ingrid's two feline companions. After all, who better than a cat to teach us a thing or two about how to live a joyful life!

And let's not forget, we have a soft spot for tortoiseshell cats and their unique personalities, also known as "tortitude."

We hope you'll enjoy our site. Please join our community of cat lovers: sign up for our newsletter and join us on Facebook. Your comments and feedback are always welcome.

Conscious Cat Sunday: Is Technology Taking Over Your Life?


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I spend a lot of time online every day, whether it’s doing research for an article, moderating comments on this site, interacting with friends and fans on our various social media sites, or responding to the never-ending flow of email. I also have an iPhone and iPad to keep me connected to this site, social media and email when I’m not at my computer. And I know I’m not alone. Technology has become a part of our everyday lives, for better or for worse. Continue reading…

Mews and Nips: Blue Collar Cats Help Washington DC with Pest Control


Blue Collar Cats, an innovative program by Washington DC’s Humane Rescue Alliance, pairs rescued feral cats with local businesses to help with pest control. Since DC was recently named the third most rat-infested city in the nation, this program should fare well and save unadoptable cats. “That’s always the first goal: we want to place animals in adoptive homes,” Lauren Lipsey, the Alliance’s vice president for community programs, told Washingtonian Magazine. “But cats that don’t exhibit a lot of social behavior towards humans don’t have a lot of options, particularly if they don’t have a safe community or colony to go back to.” Learn more about the program on the Humane Rescue Alliance’s website. And even though I realize that the headline of this post practically begs for political commentary, please remember that the Conscious Cat is a politics-free zone and comments referencing politics will be deleted.

If you missed any of the stories featured on the Conscious Cat this week, here’s a recap: Continue reading…

Review: The Lost Cats and Lonely Hearts Club


This post contains Amazon Associate links*

Reading contemporary romance novels is one of my guilty pleasures, and when the book features a cat, so much the better! The Lost Cats and Lonely Hearts Club by Nic Tatano is one of the most delightful books in the genre that I’ve come across in quite some time, and what’s even better, it’s part of a series. And it features a tortoiseshell kitten – how much better can a book get! Continue reading…

What Are the Small Pockets on Your Cat’s Ear?


A cat’s sense of hearing is much better than that of a human. A human ear can hear sounds of very low frequency of 20 Hertz to a very high frequency of 20,000 Hertz. Cats’s hearing is about the same on the low end, but they can hear high pitched sounds of up to 100,000 Hertz. Everything about a cat’s ear is designed by nature to aid her in hunting, and that includes the ability swivel her ears. But what is the purpose of those small pockets on the side of your cat’s ear? Continue reading…

How Would Your Cat’s Carrier Fare in a Car Crash?


This post is sponsored by Sleepypod

For most cat parents, putting a cat into the carrier is stressful. We may try to train our cats to accept the carrier, we may try to manage our own energy so that our cats don’t pick up on our stress, we may use calming remedies such as Stress Stopper and Feliway, but the reality is that, while all of these help, it’s still going to be a challenging experience for most of us. But have you ever given any thought to whether your cat’s carrier is safe, should you get into an accident? Do you know which carriers are safe and which aren’t? Do you know what the safest place in the car for your carrier is? Continue reading…

Study Confirms that Dry Food Increases Risk of Diabetes for Cats


There are many reasons why cats should never eat dry food. Dry food is the equivalent of junk food for cats, it is the leading cause of most urinary tract problems, and it is responsible for the obesity problem among cats. Dry food has also been implicated as one of the contributing factors to diabetes, which is reaching epidemic proportions. 1 in 50 cats may be affected, with overweight cats being at increased risk. Continue reading…

When a Cat Literally Saves Your Life


Some cats change our lives. Cats like A Street Cat Named Bob, who helped James Bowen go from down on his luck drug addict to bestselling author. Cats like Lil BUB, who started her “Dude” Mike Bridavsky, on an amazing, magical journey that is helping raise hundreds of thousands of dollars for special needs pets. And then there were my own three life-changing cats.

Amber inspired this blog. Buckley inspired an entire book, Buckley’s Story: Lessons from a Feline Master Teacher. Between the blog and the book, my life changed in ways I never could have imagined.

But it was Feebee, my first cat, who arguably had the biggest impact on my life: he literally saved it.

Pawculture recently published my article about this deeply personal experience.

Click here to read “My Cat (Literally) Saved My Life”

Conscious Cat Sunday/Sunday Purrs of Wisdom will return next week.

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Continue reading…

Mews and Nips: New Lip Gloss Makes You Feel Like You Just Kissed a Cat’s Nose


A new lip gloss from Japanese beauty brand Felissimo will make you feel like you just kissed a cat’s nose. According to Teen Vogue, Hin-Yari Ohana Lip Gloss achieves its effect by scenting the gloss with kitten milk replacer and using a cooling rollerball applicator. Those two elements combined mimic the feeling of a loving kitty nose. The lip gloss is available from Felissimo’s website.

If you missed any of the stories featured on the Conscious Cat this week, here’s a recap: Continue reading…

Laurel Burch Gold Pendant and Earring Set Winner


Congratulations, Steven Howard! You’re the winner of a Laurel Burch Gold PEndant and Earring Set from

Look for a email from Ingrid.*

To purchase the pendant and earrings, visit

*Winners are selected by random drawing. Winners need to provide a physical address to which the prize will be mailed within 72 hours of receipt of notification e-mail or announcement of winner’s name(s) on The Conscious Cat. If this information is not received within the timeframe stated, an alternate winner will be chosen.

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