Felix Pet Insurance 2025: A Complete Review
Our expert's opinion on Felix
Felix Cat Insurance (administered by PetPartners, Inc.) focuses on accident and illness cover with modular optional add-ons for wellness, exams, and other services, presented in straightforward tiers aimed at cat owners in the United States.
The product line comprises three Accident & Illness plans with reimbursement rates of 70%, 80% and 90%, annual limits of $1,000, $5,000 and $10,000, and example annual deductibles shown at $500, $250 and $100; wellness benefits (vaccinations, parasite prevention, dental cleaning, neutering and consultations) are available only through optional add-ons, emergency ambulance and core diagnostics are covered, and waiting periods are two days for accidents and 14 days for illnesses — compared with main competitors, Felix emphasizes lower entry-level monthly pricing and a high top-tier limit while relying on optional add-ons to expand coverage, positioning itself as an affordable starter option with upgrade paths.
Best suited for owners of younger or middle-aged cats seeking affordable core accident and illness cover with upgradeable wellness options and clearly tiered reimbursement choices.
Felix is administered by PetPartners, Inc., based in Buffalo, NY, with published customer service hours; provider average rating (internal dataset) is 3.5, and public financial metrics are not detailed in the available materials.
- ✅Three clear reimbursement tiers (70/80/90%)
- ✅High top annual limit ($10,000)
- ✅Competitive entry-level monthly pricing
- ✅Emergency ambulance included
- ✅Short accident waiting period (2 days)
- ✅Optional wellness and exam add-ons
- ✅Flexible deductible choices demonstrated in pricing
- ❌Wellness benefits require separate optional add-ons
- ❌Many important exclusions unless optional covers bought
- ❌Limited third-party customer review presence
- ❌No advertised 24/7 veterinary hotline
- ❌Some coverage details not fully specified publicly
Our expert's opinion on Felix
- ✅Three clear reimbursement tiers (70/80/90%)
- ✅High top annual limit ($10,000)
- ✅Competitive entry-level monthly pricing
- ✅Emergency ambulance included
- ✅Short accident waiting period (2 days)
- ✅Optional wellness and exam add-ons
- ✅Flexible deductible choices demonstrated in pricing
- ❌Wellness benefits require separate optional add-ons
- ❌Many important exclusions unless optional covers bought
- ❌Limited third-party customer review presence
- ❌No advertised 24/7 veterinary hotline
- ❌Some coverage details not fully specified publicly
Score- ✅Three clear reimbursement tiers (70/80/90%)
- ✅High top annual limit ($10,000)
- ✅Competitive entry-level monthly pricing
- ✅Emergency ambulance included
- ✅Short accident waiting period (2 days)
- ✅Optional wellness and exam add-ons
- ✅Flexible deductible choices demonstrated in pricing
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
Felix's Guarantees
Felix offers three core accident & illness plans that span an entry-level option through to a higher‑limit, higher‑reimbursement tier. Each plan is positioned to let owners choose a trade‑off between monthly premium and financial protection: the basic plan provides lower annual limits and a higher deductible, the mid tier balances cost and coverage, and the top tier raises the reimbursement percentage and annual limit while reducing the deductible. All plans include coverage for emergency care, surgery, diagnostic imaging and laboratory testing, and feature short waiting periods for accidents and illnesses.
Deductible and reimbursement mechanics are explicit across the tiers: the entry plan applies a larger annual deductible in exchange for a lower reimbursement rate, while the premium plan applies a smaller annual deductible with a higher reimbursement percentage. Annual reimbursement limits differ markedly between plans, creating clear cost ceilings that influence value for high‑cost conditions. Optional add‑on modules are available to extend cover for consultations, preventive measures, dental cleaning, parasite prevention, identification, hygiene, and cremation; these options expand scope but are sold separately from core accident and illness cover.
Notable coverage features include emergency ground ambulance transport, acceptance of alternative medicine therapies as covered benefits, and euthanasia coverage limited to humane reasons under the core plans. The product is administered with defined exclusions and procedural rules that restrict coverage for pre‑existing and certain chronic conditions, and several routine and elective items are only reimbursed if the corresponding optional add‑on is purchased. Policy design emphasizes core medical reimbursement with the ability to purchase targeted enhancements rather than broad inclusion of wellness benefits.
The three plans combine to offer clear choices for cat owners seeking modular protection: owners seeking minimal premiums will find an entry path with basic accident and illness protection, while those prioritizing financial security in higher‑cost scenarios can select a plan with higher reimbursement and a larger annual cap.
| Plan 1 | Plan 2 | Plan 3 | |
|---|---|---|---|
| Plan positioning | Entry-level | Balanced | Enhanced / Premium |
| Type of coverage | Accident & Illness | Accident & Illness | Accident & Illness |
| Animals covered | Cats | Cats | Cats |
| Reimbursement rate | 70% | 80% | 90% |
| Annual reimbursement limit | $1,000 | $5,000 | $10,000 |
| Deductible (annual or per claim) | $500 annual deductible | $250 annual deductible | $100 annual deductible |
| Age limits for enrollment | N.C. | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. |
| Waiting period (accident) | 2 days | 2 days | 2 days |
| Waiting period (illness) | 14 days | 14 days | 14 days |
| Lifetime coverage | N.C. | N.C. | N.C. |
| Consultations | Covered with add-on | Covered with add-on | Covered with add-on |
| Medications | N.C. | N.C. | N.C. |
| Hospitalization | N.C. | N.C. | N.C. |
| Surgery | Yes | Yes | Yes |
| Diagnostic tests (imaging, labs) | Yes | Yes | Yes |
| Dental care | Dental cleaning covered with add-on (other dental treatment limited) | Dental cleaning covered with add-on (other dental treatment limited) | Dental cleaning covered with add-on (other dental treatment limited) |
| Preventive care (vaccinations, parasite prevention) | Covered with add-on | Covered with add-on | Covered with add-on |
| Alternative medicine | Yes | Yes | Yes |
| Travel coverage (care abroad) | N.C. | N.C. | N.C. |
| Civil liability | N.C. | N.C. | N.C. |
| Euthanasia | Covered (euthanasia only; other related costs via add-on) | Covered (euthanasia only; other related costs via add-on) | Covered (euthanasia only; other related costs via add-on) |
| Death & cremation coverage | Cremation available with add-on; death by euthanasia covered | Cremation available with add-on; death by euthanasia covered | Cremation available with add-on; death by euthanasia covered |
| Theft or loss + search expenses | N.C. | N.C. | N.C. |
| Boarding fees | N.C. | N.C. | N.C. |
Exclusions and key limits are significant elements of Felix policies. Pre‑existing conditions are excluded while symptoms or treatment occurred prior to the policy start or during a waiting period, with pre‑existing conditions subject to extended exclusion periods based on continuous coverage rules; bilateral or chronic conditions follow specific pre‑existing rules. Routine preventive care, vaccinations, and parasite control are excluded from core cover and are only reimbursable if the corresponding optional add‑on is purchased. Dental prophylaxis and most elective or cosmetic dental procedures are excluded unless a specific optional benefit is selected, and many non‑medical items (food, grooming, administrative fees) are excluded.
The policy also excludes or restricts coverage for breeding and pregnancy, inherited and congenital conditions unless an optional inherited & congenital care benefit is in force, and treatments arising from certain activities (racing, professional duties, organized fighting). Limitations include caps on annual reimbursement that can make the lowest tier inadequate for major conditions, and several routine or elective services require the purchase of add‑ons to be reimbursable. Repetitive incidents may be limited by single‑incident provisions, and non‑medical fees and major event losses (acts of war, pandemic, nuclear events) are not covered. These structural choices mean purchasers should consider the available add‑on options and the plan’s annual limit relative to potential veterinary costs when assessing overall adequacy.
Felix Exclusions
Felix’s exclusions are led by a stringent pre‑existing condition rule: any condition with prior signs or treatment is excluded and generally remains so until 365 days of continuous coverage, with bilateral conditions treated as pre‑existing if one side showed prior symptoms.
Inherited and congenital disorders (for example hip dysplasia, luxating patella, and metabolic conditions) are excluded unless specifically added by an optional inherited/congenital rider, and most routine dental disease (gingivitis, periodontal disease) is not covered except for extractions of permanently broken teeth caused by an accident.
The policy also limits repetitive incidents to a single covered event over the pet’s lifetime for the same cause, excludes prescription and non‑prescription diets except when a diet is the sole prescribed treatment for a covered condition, and bars coverage for owner‑caused, neglect, or activity‑related injuries (racing, professional guarding, organized fighting).
Non‑medical fees, experimental treatments, elective cosmetic procedures, and losses from catastrophic events (war, pandemic, nuclear) are also excluded, while a range of routine wellness services can be obtained only via optional add‑on plans.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions (excluded until 365 days of continuous coverage); bilateral conditions treated as pre‑existing if one side showed prior signs; waiting periods apply (accident 2 days, illness 14 days). |
| Inherited & congenital conditions | Hip dysplasia, luxating patella, diabetes and similar hereditary/congenital disorders excluded unless an optional inherited & congenital coverage is purchased. |
| Dental exclusions | Gingivitis, periodontal disease and most dental conditions excluded; only extractions of permanently broken teeth from an accident are covered. |
| Diets and supplements | All pet foods and diets excluded unless a prescription diet is the sole treatment for a covered condition; vitamins and supplements excluded. |
| Repetitive incidents | Coverage limited to one incident for repetitive events (e.g., foreign body ingestion, toxin ingestion, dogfights) over the pet’s lifetime. |
| Owner‑related & activity exclusions | Intentional or neglectful acts by the owner, failure to follow veterinary advice (e.g., vaccination requirements), and injuries from organized racing, commercial guarding, law enforcement, or fighting are excluded. |
| Non‑medical & administrative fees | Sales tax, medical waste fees, administrative fees, shipping/postage, and other non‑medical items are not covered. |
| Major events & exceptional risks | Illness or injury resulting from pandemics, war, civil commotion, or nuclear contamination are excluded. |
| Other exclusions | Anal gland expression unless infection requiring treatment, treatment for non‑medical obesity, elective cosmetic procedures, and experimental or investigational treatments are excluded. |
Felix Prices
Felix positions itself between entry-level and mid-range segments by offering a clear three‑tier structure with progressively higher reimbursement rates (70% → 90%), larger annual limits ($1,000 → $10,000), and lower deductibles on higher tiers. The lower‑limit, lower‑reimbursement option keeps monthly costs accessible for owners seeking basic accident & illness protection, while the top tier supplies stronger financial backing for higher veterinary bills, moving Felix toward a mid‑range profile for owners who select that plan configuration.
Reimbursement rates, deductible levels, and annual coverage limits are the primary drivers of competitiveness: higher reimbursement percentages and larger annual caps reduce owners’ out‑of‑pocket exposure but increase premiums, while higher deductibles lower monthly cost but raise claim‑time payments. Felix’s modular approach — with many preventive and ancillary services available as optional add‑ons (vaccinations, dental cleaning, parasite prevention, exam care) — and streamlined digital policy management help contain operating costs and offer flexibility that can justify its pricing versus traditional full‑service insurers. Compared with more traditional players, Felix leans on add‑on modularity and digital servicing to deliver targeted, often lower base premiums, while full‑coverage incumbents typically bundle broader routine care and higher guaranteed caps into higher base prices.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Animal profile | $500 deductible – 70% reimbursement – $1,000 annual coverage | $250 deductible – 80% reimbursement – $5,000 annual limit | $100 deductible – 90% reimbursement – $10,000 annual limit |
|---|---|---|---|
| Cat European Shorthair 1 year | $13.49 | $33.15 | $69.79 |
| Cat European Shorthair 3 years | $12.43 | $30.56 | $64.37 |
| Cat European Shorthair 7 years | $21.97 | $54.01 | $113.67 |
| Cat Maine Coon 1 year | $17.40 | $22.96 | $90.09 |
| Cat Maine Coon 3 years | $16.05 | $34.12 | $49.73 |
| Cat Maine Coon 7 years | $28.35 | $69.70 | $146.76 |
| Cat British Shorthair 1 year | $13.49 | $33.15 | $41.78 |
| Cat British Shorthair 3 years | $12.43 | $30.56 | $64.37 |
| Cat British Shorthair 7 years | $21.97 | $54.01 | $80.16 |
Felix Promo Codes
| Felix Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Your reimbursement with Felix
With Felix you pay the veterinarian first; eligible expenses are reimbursed after your annual deductible is subtracted and then multiplied by the plan reimbursement rate (90% on the highest tier), up to the annual limit.
✅ Example 1: TPLO surgery (cruciate ligament repair)
Total vet costs: $6,500 (surgery $4,200 + anesthesia $800 + hospitalization $1,000 + imaging & meds $500)
Deductible amount to subtract: $100 (annual deductible)
Amount reimbursable after deductible with the Premium plan: $6,500 – $100 = $6,400
90% of that amount reimbursed: $6,400 × 90% = $5,760
👉 You receive a reimbursement of $5,760.
ℹ️ *The annual deductible applies once per policy year; your remaining out‑of‑pocket is the $100 deductible plus 10% coinsurance on the eligible amount ($640), totaling $740. Reimbursements reduce your $10,000 annual limit.*
✅ Example 2: Hospitalization and diagnostics for pancreatitis (cat)
Total vet costs: $2,200 (ER visit $300 + hospitalization $900 + labs $400 + ultrasound $300 + meds $300)
Deductible amount to subtract: $0 (deductible already met earlier in the year)
Amount reimbursable after deductible with the Premium plan: $2,200 – $0 = $2,200
90% of that amount reimbursed: $2,200 × 90% = $1,980
👉 You receive a reimbursement of $1,980.
ℹ️ *Because the deductible was already satisfied, only the coinsurance applies; your remaining out‑of‑pocket is 10% of the eligible amount ($220). This reimbursement counts toward the $10,000 annual limit.*
✅ Example 3: Preventive wellness visit (vaccinations and exam)
Total vet costs: $180 (wellness exam $65 + core vaccinations $60 + parasite prevention $55)
Deductible amount to subtract: $0 (preventive services covered via the optional wellness add‑on on the highest tier)
Amount reimbursable after deductible with the Premium plan: $180 – $0 = $180
90% of that amount reimbursed: $180 × 90% = $162
👉 You receive a reimbursement of $162.
ℹ️ *Preventive care reimbursement typically requires purchase of the wellness add‑on; some wellness items may have separate sub‑limits or annual caps even on the highest tier.*
Felix Assistance
Felix provides emergency ground pet ambulance transport and telephone consultations (telephone fees are covered if the optional Exam Care Coverage is purchased), which are particularly useful during urgent medical events.
Customer service operates on defined hours (Mon–Fri 8:00–20:00 EST; Sat 8:30–17:00 EST), offering predictable availability for claims and inquiries.
Felix does not advertise a 24/7 veterinary hotline, which may limit immediate remote assistance during overnight emergencies.
Owners should verify advance payment options, payment facilities, mobile app capabilities, partner‑clinic arrangements, and international coverage directly with Felix before enrolling to ensure those supports fit their needs.
| Assistance Felix | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | N.C. |
| Paperless claims process | ❌ | N.C. |
| Emergency vet service | ✅ | Telephone consultations available (Exam Care option required). No 24/7 vet hotline advertised. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | ❌ | N.C. |
No 24/7 vet hotline advertised.
Felix Customer Reviews
No pet-insurance-specific customer reviews are available on the platforms considered, so there are no consistently reported positive aspects to summarize for Felix.
Similarly, without substantive consumer feedback on Trustpilot or Google Reviews, recurring concerns or limitations cannot be characterized for Felix’s pet insurance.
Contact Felix
| Felix Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Visit the official site https://www.felixcatinsurance.com/ and use the contact or quote pages to compare plans and start the subscription process. If prompted, follow the online steps to select plan options and complete purchase. |
| To request and track a reimbursement | Submit a claim via the Felix contact page or online portal on the official site, including the itemized veterinary invoice, proof of payment, your policy number, and pet details. Keep copies of all receipts and clinical records for your files. Claims deadlines: N.C. Tracking and expected reimbursement timing: N.C. Reimbursement method: N.C. |
| To obtain a certificate of insurance | Request a certificate through the Felix contact page or by mailing a written request to PetPartners, Inc., PO Box 2150, Buffalo, NY 14240-2150. Provide your policy number, policyholder name, and pet details to help locate the policy. Processing time and delivery method for the certificate: N.C. |
| To contact assistance | Website: https://www.felixcatinsurance.com/ — Contact page: https://www.felixcatinsurance.com/contact. Postal mail: PetPartners, Inc., PO Box 2150, Buffalo, NY 14240-2150. Customer service hours: Mon–Fri 8:00–20:00 EST; Sat 8:30–17:00 EST; Sun closed. Phone: N.C. Email: N.C. |
| To cancel my policy | Send a signed written cancellation request via the Felix contact page or by mail to PetPartners, Inc., PO Box 2150, Buffalo, NY 14240-2150; include your policy number, policyholder name, and a clear cancellation request. Required notice period: N.C. Information on prorated refunds or refund conditions: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Felix?
N.C.
For information on direct‑pay or third‑party payment options, contact Felix customer service via their website or contact page.
Customer service hours are Mon–Fri 8:00–20:00 EST and Sat 8:30–17:00 EST.
When you inquire, have your policy number and pet details ready for a faster response.
How do I cancel my pet insurance policy with Felix?
To cancel your Felix policy, request cancellation by phone, email, or signed written notice sent to PetPartners, Inc., PO Box 2150, Buffalo, NY 14240-2150.
Include your policy number, policyholder name, requested cancellation effective date, and a signature or formal confirmation.
Customer service can assist during Mon–Fri 8:00–20:00 EST and Sat 8:30–17:00 EST.
Required notice period and refund/proration rules: N.C.
What waiting periods apply before coverage begins?
Accident coverage has a 2‑day waiting period and illness coverage has a 14‑day waiting period before benefits apply.
Some specific conditions may have different or extended waiting periods; check your policy schedule for details.
Pre‑existing conditions are excluded until 365 days of continuous coverage when prior signs or treatment were present.
If treatment starts during a waiting period, those costs are typically not covered.
What reimbursement rates, deductibles, and annual limits are available with Felix?
Felix offers three reimbursement tiers: 70%, 80%, and 90%.
Typical corresponding annual limits are $1,000 (70%), $5,000 (80%), and $10,000 (90%), with common deductible options of $500, $250, or $100 respectively.
Reimbursement is calculated after the annual deductible is applied and is subject to the selected annual limit for the policy year.
Always confirm the exact rate, deductible, and cap shown on your declarations page.
What are the main exclusions I should be aware of?
Pre‑existing conditions are excluded until they meet the policy’s continuous coverage requirements.
Preventive care, routine dental cleanings, breeding, and many elective or cosmetic procedures are excluded unless you purchase a specific add‑on.
Conditions arising from intentional acts, neglect, or prohibited activities are not covered.
Non‑medical fees such as grooming, boarding, and administrative charges are also typically excluded.
Do I have to pay upfront for veterinary fees with Felix?
N.C.
For information on direct‑pay or third‑party payment options, contact Felix customer service via their website or contact page.
Customer service hours are Mon–Fri 8:00–20:00 EST and Sat 8:30–17:00 EST.
When you inquire, have your policy number and pet details ready for a faster response.
How do I cancel my pet insurance policy with Felix?
To cancel your Felix policy, request cancellation by phone, email, or signed written notice sent to PetPartners, Inc., PO Box 2150, Buffalo, NY 14240-2150.
Include your policy number, policyholder name, requested cancellation effective date, and a signature or formal confirmation.
Customer service can assist during Mon–Fri 8:00–20:00 EST and Sat 8:30–17:00 EST.
Required notice period and refund/proration rules: N.C.
What waiting periods apply before coverage begins?
Accident coverage has a 2‑day waiting period and illness coverage has a 14‑day waiting period before benefits apply.
Some specific conditions may have different or extended waiting periods; check your policy schedule for details.
Pre‑existing conditions are excluded until 365 days of continuous coverage when prior signs or treatment were present.
If treatment starts during a waiting period, those costs are typically not covered.
What reimbursement rates, deductibles, and annual limits are available with Felix?
Felix offers three reimbursement tiers: 70%, 80%, and 90%.
Typical corresponding annual limits are $1,000 (70%), $5,000 (80%), and $10,000 (90%), with common deductible options of $500, $250, or $100 respectively.
Reimbursement is calculated after the annual deductible is applied and is subject to the selected annual limit for the policy year.
Always confirm the exact rate, deductible, and cap shown on your declarations page.
What are the main exclusions I should be aware of?
Pre‑existing conditions are excluded until they meet the policy’s continuous coverage requirements.
Preventive care, routine dental cleanings, breeding, and many elective or cosmetic procedures are excluded unless you purchase a specific add‑on.
Conditions arising from intentional acts, neglect, or prohibited activities are not covered.
Non‑medical fees such as grooming, boarding, and administrative charges are also typically excluded.
On the same topic
