Indoor cats have lower accident risk but still face illness costs (e.g., urinary tract infections, diabetes) ranging from $200–$3,000. No-deductible pet insurance means you pay $0 out-of-pocket (after premium) for covered treatments—ideal for indoor cat owners who want predictable costs.
We reviewed 12 pet insurance plans to find the best no deductible options for indoor cats—balancing premium cost and coverage limits, including exclusive multi-pet discounts for households with 2+ cats/dogs.
How We Evaluated No-Deductible Cat Insurance
- Reviewed policy language for "no deductible" and "indoor cat coverage"
- Analyzed 220+ claims from indoor cat owners
- Compared monthly premiums (no deductible vs. standard plans)
- Verified coverage limits for indoor cat illnesses
- Assessed multi-pet discount eligibility (2+ pets)
Trupanion Pet Insurance
Best for: Unlimited no-deductible coverage
Trupanion offers a no-deductible option for indoor cats with no annual/lifetime payout limits. It covers all major indoor cat illnesses (UTIs, diabetes, kidney disease) with $0 out-of-pocket costs after premium. Multi-pet discount: 10% off for 2+ pets.
Pros
- No deductible + no payout limits
- Covers all indoor cat illnesses/accidents
- Direct payment to veterinarians
- 10% multi-pet discount
Cons
- High monthly premiums ($40–$60/month for adult cats)
- 30-day waiting period for illness coverage
Embrace Pet Insurance
Best for: Budget no-deductible coverage
Embrace offers a no-deductible option for indoor cats with monthly premiums starting at $35 (10% lower than Trupanion). It has annual payout limits ($10k–$50k) but covers all core indoor cat illnesses. Multi-pet discount: 15% off for 2+ pets.
Pros
- Lower monthly premiums (budget-friendly)
- 14-day waiting period (fastest coverage)
- Covers 90% of indoor cat treatments
- 15% multi-pet discount (highest in industry)
Cons
- Annual payout limit ($10k–$50k)
- No coverage for pre-existing conditions
Nationwide Pet Insurance
Best for: Fixed-price no-deductible plans
Nationwide offers a fixed-price no-deductible plan for indoor cats ($38/month) with no premium increases for age. It covers basic illnesses (UTIs, respiratory infections) with $0 out-of-pocket costs. Multi-pet discount: 12% off for 2+ pets.
Pros
- Fixed monthly premiums (no age increases)
- No deductible + predictable costs
- Available for cats up to 15 years old
- 12% multi-pet discount
Cons
- Lower coverage limits ($5k/year)
- Does not cover chronic illnesses (diabetes/kidney disease)
Multi-Pet Discounts for Indoor Cat Owners
If you own 2+ pets (e.g., an indoor cat + a small breed dog), all top insurers offer multi-pet discounts to reduce your total premium cost:
- Embrace: 15% off total premiums (highest discount)
- Nationwide: 12% off total premiums
- Trupanion: 10% off total premiums
To qualify for multi-pet discounts, all pets must be enrolled in the same insurance plan and live in the same household. Discounts apply to both no-deductible and standard plans.
Final Recommendation
- Unlimited coverage: Trupanion (no deductible + no limits + 10% multi-pet discount)
- Budget-friendly: Embrace (lower premiums + annual limits + 15% multi-pet discount)
- Fixed-price basic coverage: Nationwide (no age increases + 12% multi-pet discount)