Compare Felix Cat Insurance

Comparison Fact Sheet
Updated 9/4/2024

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Felix Cat Insurance
Also Known As / Affiliates / Partners Acquired by JAB Holding Company (a German private equity firm) in 2023
Address P.O. Box 2150
Buffalo, NY 14240-2150
Phone 1-866-335-4909
Website www.felixcatinsurance.com
Plans That Provide Both Accident and Illness Coverage Felix Accident & Illness Plan*
States Covered Available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Independence American Insurance Company.

Independence American Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 9/4/2024.

For the most recent ratings go to: AM Best
Year Company Started 2020

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Minimum age = No Minimum Age

Maximum age = 8 years or less (Accident only policy is available for pets over 8 years old)
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 2 days for accidents.

14 days for illnesses.

30 days for alternative therapies and behavioral problems

Intervertebral Disc Disease and Cruciate Ligament related conditions have a 180 day waiting period.

According to the sample policy there is a 30 day waiting period for the Hereditary/Congenital Coverage Addon.

**Waiting Periods can vary by state. See actual policy or contact Felix to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 180 day waiting period for cruciate ligament related conditions.

**Waiting Periods can vary by state. See actual policy or contact Felix to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the US, its territories and possessions, and Canada.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact Felix Cat Insurance for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.

(See 'Max Payout' section below)

(See 'Chronic Conditions Policy' section below)
Can the Price of the Policy Increase if a Claim is Filed? Not Clear
Choice of Vet? You may visit any licensed veterinarian in the US, its territories and possessions, and Canada.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

**May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? Not Clear
Additional Requirements **See actual policy or contact Felix Cat Insurance for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Cats Only
Accident/Injury -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Veterinary exam fee is not covered unless you purchase their addon.
Illness -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Veterinary exam fee is not covered unless you purchase their addon.
Behavioral Therapy Coverage It is not clear whether this is included with the base policy or if it is an add on. Some areas of Felix's website state it is included while the sample policy states it is an addon.

There is a 30 day waiting period for Behavioral coverage. This may vary by state..

The sample policy states there is a Annual Limit of one thousand dollars ($1,000) for Behavioral Coverage

**See actual policy or contact Felix Cat Insurance for a complete description of what types of Behavioral Therapy are covered.
Alternative Therapy Coverage It is not clear whether this is included with the base policy or if it is an add on. Some areas of Felix's website state it is included while the sample policy states it is an addon.

There is a 30 day waiting period for Alternative Therapy coverage. This may vary by state.

Treatments must be provided by a licensed vet professional.

**See actual policy or contact Felix Cat Insurance for a complete description of what types of Alternative Therapy are covered.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to their sample policy on their website, a pre-existing condition is "...any Illness or Injury which occurred, reoccurred, existed or showed Symptoms, whether or not diagnosed by a Veterinarian, prior to the Pet Original Start Date, Coverage Period or during the Waiting Period. Pre- Existing Conditions are only eligible after three hundred and sixty-five (365) days of continuous coverage and only for Treatment that occurs after the three hundred and sixty-five (365) day Waiting Period."

**See actual policy or call the company for complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage To get hereditary and congenital coverage, you must purchase the addon.

According to the sample policy there is a 30 day waiting period for Hereditary/Congenital Coverage.

**This addon may have other policy limits. See actual policy or contact Felix Cat Insurance for complete description of their Hereditary & Congenital Conditions Policy.
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout.

(See 'Chronic Conditions Policy' section below)
(See 'Max Payout' section below)
Chronic Conditions Policy Based on their website, here are a few examples of conditions that are not covered unless you purchase the Hereditary/Congenital addon:
  • Arthritis
  • Heart Disease
  • Diabetes
Diseases in this list can be hereditary/congenital in origin but there can be other causes of origin as well.

It is not completely clear what other chronic conditions fall under this addon. Contact the company for a complete list.

**The Hereditary/Congenital addon may have additional waiting periods and other policy limits. See actual policy or contact Felix Cat Insurance for a complete description of their Chronic Conditions Policy.
Cancer Coverage Cancer conditions are covered if they are not pre-existing and have not occurred during the waiting period.

Cancers that are considered to be hereditary or genetic may not be covered unless you purchase the Hereditary/Congenital addon.

(See 'Hereditary/Congenital' section above)
Cancer Coverage Limits Eligible Cancer conditions are covered up to the Maximum Payout.

(See 'Cancer Coverage' section above)
(See 'Max Payout' section below)
Hip Dysplasia To get Hip Dysplasia coverage you must purchase the Hereditary/Congenital addon.

**The Hereditary/Congenital addon may have other policy limits. See actual policy or contact Felix Cat Insurance for a complete description of their Hip Dysplasia Coverage.

(See 'Hereditary & Congenital Conditions Coverage' section above)
Prescription Drug Coverage [INCLUDED]

**See actual policy or contact Felix Cat Insurance for full list of inclusions and exclusions
Pregnancy Coverage [OPTIONAL]

Breeding coverage is available as an Add On in some states.

**This addon may have additional waiting periods and other policy limits. See actual policy or contact Felix Cat Insurance for a complete description of their Pregnancy coverage.
Routine/Wellness Coverage [OPTIONAL] Routine/Wellness Coverage is available for an additional fee.

**See actual policy or contact the company for a complete description of their Routine/Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) [LIMITED COVERAGE]

According to their sample policy, dental conditions are not covered except for medically necessary extractions for permanent broken teeth due to an Accident.

**See actual policy or contact the company for full list of inclusions and exclusions.
Bilateral Conditions Policy If a bilateral condition happens on one side before they policy starts or during the waiting period, that condition will not be covered if it happens on the other side. Even if it happens after the waiting period.

Their definition of Bilateral Condition is " a condition or disease that affects both sides of the body."

The way it is written in their policy it appears this applies to all medical conditions that can manifest on both sides of the body (e.g. eye problems, ear problems, knee problems, hip problems, etc).

**Contact the company for a list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Alternative and Behavioral Therapy (website states it is included but policy says it is an addon purchase), Cancer Coverage (If hereditary/congenital in nature, you will not be covered unless your purchased the hereditary/congenital add on), Prescription Drug Coverage, Continual Chronic Conditions Coverage, Dental Coverage (limited). (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care, Routine Dental Care, Hereditary/Congenital coverage, Exam Fee Coverage (Refer to each category's section for limitations)

**See actual policy or contact Felix Cat Insurance for full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Boarding, grooming and grooming supplies
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 70%, 80%, or 90%
Deductible Annual Deductible

Choose from $100, $250, $500
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined Reimbursement is based on UCR (reasonable and customary). This means the company uses typical fees or the cost that Veterinarians charge in your geographic area based on available veterinary fee information and proprietary data.

Reimbursements are calculated by applying your deductible first and then your reimbursement percentage.
Max Payout Annually Choose from $1,000, $2,500, $5,000, $7,500 or $10,000

The sample policy states there is a Annual Limit of one thousand dollars ($1,000) for Behavioral Coverage
Max Lifetime Payout Felix Cat Insurance does not have a maximum lifetime payout
Max Payout per Incident Felix Cat Insurance does not have a maximum payout per incident
Max Payout Based on Body System Felix Cat Insurance does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $13.00 - $120.00 depending on the plan, species, where you live, etc

 

Additional Info
My Review Felix Review
What are Customers Saying? Check with your state's Department of Insurance to see if any complaints have been filed for this company
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to Felix cat insurance policies that cover illness and accidents. If you are interested in their accident only plan, please contact the company for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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