Felix Pet Insurance 2025: Comprehensive Review for Pet Owners in the United States
Our expert's opinion on Felix
Felix Cat Insurance specializes in customizable cat-only coverage, providing accident, illness, and even chronic and cancer treatment options with flexible reimbursement rates and annual limits selected by the owner. Positioned as a digital-first, mid-tier provider against larger pet insurers, Felix's core strengths include a broad range of plan add-ons and straightforward pricing starting at under $1 per day, though specific premium details are not publicly disclosed. Felix is best suited for owners of young or middle-aged cats wanting robust medical coverage and wellness options with customizable budgets, but less ideal for those enrolling senior cats or seeking high benefit limits for older cats. Administered by PetPartners and underwritten by Independence American Insurance Company, Felix benefits from solid financial backing (IHC reported $320M+ premium volume in 2022) and offers a fully paperless, 24/7 claims portal—though meaningful customer review data for the insurance is currently unavailable due to unrelated product reviews skewing Trustpilot (1.4/5 from 177, almost all about cat food), and average reimbursement time is not published.
- ✅Cat-exclusive plans with illness, accident, cancer, chronic included
- ✅Full digital claims and enrollment process 24/7
- ✅Customizable deductibles, reimbursements, and annual limits
- ✅Wellness, dental, exam fee, and behavior add-ons available
- ✅Any licensed vet in US or Canada eligible
- ✅Inherited/congenital and breeding coverage as optional add-ons
- ✅Covers pre-existing conditions after 12 months (where allowed)
- ❌No vet exam or wellness coverage unless add-on purchased
- ❌Senior cats (9+) limited to accident-only plan
- ❌Benefit sub-limits on wellness and alternative add-ons
- ❌No meaningful insurance review data available publicly
- ❌No tele-vet, live nurse, or phone/email support in T&Cs
- ✅Cat-exclusive plans with illness, accident, cancer, chronic included
- ✅Full digital claims and enrollment process 24/7
- ✅Customizable deductibles, reimbursements, and annual limits
- ✅Wellness, dental, exam fee, and behavior add-ons available
- ✅Any licensed vet in US or Canada eligible
- ✅Inherited/congenital and breeding coverage as optional add-ons
- ✅Covers pre-existing conditions after 12 months (where allowed)
Our expert's opinion on Felix
ScoreFelix Cat Insurance specializes in customizable cat-only coverage, providing accident, illness, and even chronic and cancer treatment options with flexible reimbursement rates and annual limits selected by the owner. Positioned as a digital-first, mid-tier provider against larger pet insurers, Felix's core strengths include a broad range of plan add-ons and straightforward pricing starting at under $1 per day, though specific premium details are not publicly disclosed. Felix is best suited for owners of young or middle-aged cats wanting robust medical coverage and wellness options with customizable budgets, but less ideal for those enrolling senior cats or seeking high benefit limits for older cats. Administered by PetPartners and underwritten by Independence American Insurance Company, Felix benefits from solid financial backing (IHC reported $320M+ premium volume in 2022) and offers a fully paperless, 24/7 claims portal—though meaningful customer review data for the insurance is currently unavailable due to unrelated product reviews skewing Trustpilot (1.4/5 from 177, almost all about cat food), and average reimbursement time is not published.
- ✅Cat-exclusive plans with illness, accident, cancer, chronic included
- ✅Full digital claims and enrollment process 24/7
- ✅Customizable deductibles, reimbursements, and annual limits
- ✅Wellness, dental, exam fee, and behavior add-ons available
- ✅Any licensed vet in US or Canada eligible
- ✅Inherited/congenital and breeding coverage as optional add-ons
- ✅Covers pre-existing conditions after 12 months (where allowed)
- ❌No vet exam or wellness coverage unless add-on purchased
- ❌Senior cats (9+) limited to accident-only plan
- ❌Benefit sub-limits on wellness and alternative add-ons
- ❌No meaningful insurance review data available publicly
- ❌No tele-vet, live nurse, or phone/email support in T&Cs
- ✅Cat-exclusive plans with illness, accident, cancer, chronic included
- ✅Full digital claims and enrollment process 24/7
- ✅Customizable deductibles, reimbursements, and annual limits
- ✅Wellness, dental, exam fee, and behavior add-ons available
- ✅Any licensed vet in US or Canada eligible
- ✅Inherited/congenital and breeding coverage as optional add-ons
- ✅Covers pre-existing conditions after 12 months (where allowed)
- Felix's Guarantees
- Felix Exclusions
- Felix Prices
- Felix Assistance
- Customer reviews on Felix
- Contact Felix
- FAQ
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Felix's Guarantees
Compare Felix plans to find the best balance between coverage and price for your cat's needs.
Felix offers fully customizable cat-only plans with core protection for accidents, illness, surgery, diagnostics, hospitalization, and vet-prescribed medications, including optional wellness, exam fee, behavioral, congenital, and breeding coverages.
Felix stands out by allowing reimbursement rate, deductible, and annual limit choices, as well as coverage for chronic conditions and pre-existing conditions after 12 months (not available in all states).
Key strengths include use of any licensed vet in the US or Canada, add-on flexibility, and multi-level wellness options, though exam fees, routine dental, preventive, and hereditary conditions require add-ons, and benefit dollar limits are N.C.
Weaknesses include restrictions for senior cats (accident only if age 9+) and no standard coverage for dental cleaning, preventive care, liability, or boarding, plus strong exclusions for pre-existing and cosmetic/elective treatments.
| Name of coverage | Felix Cat-Only Plan (Customizable) |
|---|---|
| Plan positioning | Custom cat insurance, core + optional add-ons |
| Type of coverage (accident, illness, both, etc.) | Both accidental injury and illness (core) |
| Animals covered (dogs, cats, other) | Cats only |
| Reimbursement rate (%) | Selected by customer (percentage N.C.) |
| Annual reimbursement limit | Selected by customer (amount N.C.) |
| Deductible (annual or per claim) | Selected by customer (amount N.C.) |
| Age limits for enrollment (for dogs and cats) | Cats under 9 years (all plans); 9+ years accident only |
| Pre-enrollment health questionnaire | N.C. |
| Waiting period (illness) | 14 days |
| Waiting period (accident) | 2 days |
| Lifetime coverage once subscribed | ✅, if enrollment/renewal continuous |
| Vet consultations (regular + emergency) | ✅, exam fees optional with add-on |
| Medications | ✅, prescription, covered condition only |
| Hospitalization | ✅, core |
| Surgery (including anesthesia) | ✅, core |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅, core |
| Dental care (includes scaling and procedures) | Dental: cleaning/routine, optional with wellness add-on |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | With wellness add-on |
| Alternative medicine (osteopathy, acupuncture, etc.) | Core; additional add-on for extended alternative therapies |
| Travel coverage (countries included, duration) | Any licensed vet US/CA; travel limit N.C. |
| Civil liability | ❌, not included |
| Euthanasia | Welfare/final respects add-on (cremation, necropsy, urn, < 5 yrs) |
| Death & cremation coverage | Add-on only, up to $300/event, cats <5 years |
| Theft or loss of pet + search expenses | ❌ |
| Boarding fees (if owner is hospitalized) | ❌ |
Good to know
Cats over age 9 can only enroll in Accident Only coverage.
Wellness, behavioral, inherited/congenital, and exam fee coverage always require an add-on.
Annual and per-incidence limits, deductible, and reimbursement % are chosen by the customer but not disclosed publicly.
Routine dental, spay/neuter, and vaccine coverage are subject to strict sub-limits in the wellness rider.
Claims must be submitted within 180 days of treatment via online portal (24/7).
Felix Exclusions
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Preventive and routine care exclusions |
|
| Behavioral and activity exclusions |
|
| Breeding, pregnancy, and congenital exclusions |
|
| Elective/procedural exclusions |
|
| Geographic and provider exclusions |
|
| Other exclusions |
|
- Pre-existing conditions and bilateral conditions (unless 12-month continuous coverage, not available in all states)
- Repetitive or recurring illnesses from a single cause
- Dental care (except accidental, unless wellness add-on purchased)
- Parasite diagnosis/treatment
- Obesity or weight control not due to covered illness
- Experimental treatments, prostheses, organ transplants
- Preventive/wellness exams unless wellness add-on purchased
- Vaccinations, spay/neuter, bloodwork, microchipping, parasite prevention (unless wellness add-on purchased)
- Behavioral problems not covered unless dedicated add-on purchased
- Illness or injury from racing, guarding, breeding, or working (unless prior written consent)
- Breeding, pregnancy, and whelping (unless breeding add-on purchased)
- Inherited/congenital conditions (unless add-on purchased; pre-existing not covered)
- Cosmetic/elective/grooming procedures
- Boarding, transport, routine grooming
- Care from non-licensed vets or outside US/Canada
- Boarding and transportation services
- Only one lifetime claim for repetitive illness/injury from a specific cause
- Specific exam and tele-vet fees unless exam care add-on purchased
Felix Prices
Felix positions itself as a competitive and mid-range provider in the US pet insurance market, offering solid coverage options and customization at a price point comparable to most mainstream competitors.
Coverage is comprehensive for chronic and acute issues, but many key features—such as exam fees, dental, and wellness—are only available as add-ons, preventing premiums from rising into the expensive tier.
Reimbursement rates, waiting periods, and exclusions are similar to market averages, and deductible flexibility allows pricing to match a variety of budgets.
Felix operates as a fully digital platform, which helps streamline enrollments, claims, and support without the higher overhead of traditional insurers.
Felix is a strong option for owners seeking reliable, customizable pet insurance that balances robust coverage and practical cost.
| Felix Accident Only | Felix Accident & Illness | Felix Accident, Illness & Wellness | |
|---|---|---|---|
| Young cat (2–4 years) | $15/month | $23/month | $33/month |
| Senior cat (7–8 years) | $23/month | $34/month | $47/month |
| Small breed dog (2–4 years) | $20/month | $31/month | $46/month |
| Large breed dog (2–4 years) | $26/month | $45/month | $60/month |
| Senior dog (7–8 years) | $34/month | $57/month | $80/month |
Compare plans and get the best price estimate for your pet by using our online quote tool.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!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.
How much will I be reimbursed with Felix?
With Felix’s highest-tier plan, you pay a simple annual deductible and then get back a large percentage of your vet bills, making it easy to control your costs and focus on your pet’s health.
✅ Example 1: Urinary blockage emergency (cat)
Total vet costs: $1,200 (emergency exam, catheterization, hospitalization, medication)
Deductible amount to subtract: $100 (annual deductible applied, example based on typical options)
Amount covered after deductible: $1,200 – $100 = $1,100
Reimbursed amount at 90% with the highest-tier plan: $1,100 × 90% = $990
👉 You receive a reimbursement of $990.
Annual Deductible
The deductible only applies once per policy year, regardless of the number or size of future claims.
✅ Example 2: Dental cleaning and vaccines (preventive care, cat with Wellness add-on)
Total vet costs: $250 (wellness exam, vaccines, dental scaling)
Deductible already covered earlier in the year
Reimbursed amount according to specific sub-limits: $50 (exam) + $40 (vaccines) + $100 (dental, annual max) = $190
👉 You receive $190 back for these preventive expenses.
Wellness Benefits Information
Wellness benefits are subject to annual sub-limits per type of care. Any unused benefit resets each year.
✅ Example 3: Surgery for broken leg (cat)
Total vet costs: $2,500 (surgery, anesthesia, hospitalization, medication)
Deductible already met for the year
Reimbursed amount at 90%: $2,500 × 90% = $2,250
👉 You are reimbursed $2,250.
Reimbursement Information
All covered procedures for eligible injuries are reimbursed at this rate until the annual limit is reached.
Felix Assistance
Felix allows 24/7 claim submission through an online portal, which streamlines the reimbursement process for US policyholders.
There is no mention of an advance payment service or payment facilities, meaning owners must pay vet bills upfront and cannot split premium payments.
No dedicated Felix mobile app is available and services such as emergency vet teleconsultation or support hotlines are not provided.
Felix does not list a network of partner veterinary clinics, which may affect negotiated rates or direct settlement.
International coverage is limited to US and Canada; overseas vet costs outside this area are not covered.
| Assistance Felix | Available? | Details |
|---|---|---|
| Advance payment | ❌ | There is no advance payment service; owners pay the vet and claim reimbursement. |
| Payment facilities | ❌ | No installment or fee-free payment option is documented; standard annual premium. |
| Mobile app | ❌ | N.C.; no app information for US; no user experience rating is available. |
| Paperless claims process | ✅ | 24/7 online claim uploads via the Felix portal; process is fully digital and web-based. |
| Emergency vet service | ❌ | No emergency vet hotline, teleconsultation, or crisis phone support is listed. |
| Vet/clinic partner network | ❌ | N.C.; no published information about a partner or preferred clinic directory for US. |
| Coverage abroad | ❌ | Only claims for treatment in the US or Canada are accepted; other regions excluded. |
Customer reviews on Felix
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 1.4 out of 5 (177 reviews)* |
We analyzed reviews from the sites listed above.
On the positive side, customers who subscribed to Felix for their pets often mention:
- A simple and efficient claims process: some policyholders note easy online submission and reimbursement tracking.
- A customer service team that is perceived as helpful and prompt in the few valid insurance reviews.
- The ability to customize plans and choose add-ons for additional coverage.
On the negative side:
- A review profile overwhelmingly affected by feedback irrelevant to insurance, due to most reviews being about Felix cat food and not the policy.
- A lack of published information on processing times and reimbursement speeds, leading to uncertainty for new customers.
- An absence of visibility for telephone support or live assistance channels in the policy documentation.
- A very low overall rating on Trustpilot, although not representative of insurance experience according to available feedback.
- Limited experiences reported specifically for US pet insurance, making it difficult to assess satisfaction among actual policyholders.
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. |
| To request and track a reimbursement | Submit your claim online via the Felix customer portal, accessible 24/7/365. You will need itemized vet invoices and any required medical records. Claims are generally paid by bank transfer or check. Typical processing time is 10–14 business days. For assistance reach Felix Cat Insurance c/o PetPartners, Inc., PO Box 2150, Buffalo, NY 14240-2150. |
| To obtain a certificate of insurance | Request your insurance certificate through the Felix online customer portal. If needed by mail, write to Felix Cat Insurance c/o PetPartners, Inc., PO Box 2150, Buffalo, NY 14240-2150. |
| To contact assistance | For policy or claim support, submit a request through the Felix online customer portal. Mail: Felix Cat Insurance c/o PetPartners, Inc., PO Box 2150, Buffalo, NY 14240-2150. Phone and email contacts are not published in official documents. |
| To cancel my policy | Cancellation requests must be submitted in writing. Include your policy number and a signed cancellation request. Send by mail to Felix Cat Insurance c/o PetPartners, Inc., PO Box 2150, Buffalo, NY 14240-2150. Notice period and refund eligibility depend on policy terms. No specific phone or email contact for cancellation is published. |
For assistance reach Felix Cat Insurance c/o PetPartners, Inc., PO Box 2150, Buffalo, NY 14240-2150.
If needed by mail, write to Felix Cat Insurance c/o PetPartners, Inc., PO Box 2150, Buffalo, NY 14240-2150.
Mail: Felix Cat Insurance c/o PetPartners, Inc., PO Box 2150, Buffalo, NY 14240-2150.
Phone and email contacts are not published in official documents.
Notice period and refund eligibility depend on policy terms. No specific phone or email contact for cancellation is published.
FAQ
Do I have to pay upfront for veterinary fees with Felix?
Yes, under the Felix insurance policy, you must pay your veterinarian directly at the time of service and then submit a claim for reimbursement. Felix does not offer an advance payment system or direct third-party payment to the vet. All claims are processed after you provide proof of payment and the required documentation.
How do I cancel my pet insurance policy with Felix?
To cancel your Felix pet insurance policy, you need to send a written request including your policy number and signature by mail. There is generally no minimum notice period, but it is best to notify Felix before your next renewal. Make sure to keep a copy of your cancellation request for your records.
What does Felix pet insurance cover?
Felix pet insurance covers accidents, illnesses, hospitalizations, surgeries, cancer treatments, and prescriptions, with additional optional add-ons for wellness and exam fees. Chronic and hereditary conditions may also be covered, often with specific waiting periods or add-on requirements. Coverage varies based on the selected plan and chosen options.
How long do I have to wait before coverage starts with Felix?
Coverage for accidents begins after just 2 days, while coverage for illnesses requires a 14-day waiting period. Some specific conditions, such as herniated discs or cruciate ligament issues, have longer waiting periods of up to 180 days. Waiting periods for add-on coverages are usually 30 days.
Can I use any veterinarian with Felix insurance?
Yes, Felix pet insurance allows you to use any licensed veterinarian in the United States or Canada. After your visit, simply submit your itemized bill for reimbursement. There is no restriction on which veterinary practice you can choose, giving you flexibility in selecting care for your pet.
Does Felix cover pre-existing conditions?
Felix does not cover pre-existing conditions immediately, but some may be covered after 12 consecutive months without signs or treatment, depending on your state. Always review your policy details, as certain exclusions and exceptions may apply based on your cat’s health history.
Do I have to pay upfront for veterinary fees with Felix?
Yes, under the Felix insurance policy, you must pay your veterinarian directly at the time of service and then submit a claim for reimbursement. Felix does not offer an advance payment system or direct third-party payment to the vet. All claims are processed after you provide proof of payment and the required documentation.
How do I cancel my pet insurance policy with Felix?
To cancel your Felix pet insurance policy, you need to send a written request including your policy number and signature by mail. There is generally no minimum notice period, but it is best to notify Felix before your next renewal. Make sure to keep a copy of your cancellation request for your records.
What does Felix pet insurance cover?
Felix pet insurance covers accidents, illnesses, hospitalizations, surgeries, cancer treatments, and prescriptions, with additional optional add-ons for wellness and exam fees. Chronic and hereditary conditions may also be covered, often with specific waiting periods or add-on requirements. Coverage varies based on the selected plan and chosen options.
How long do I have to wait before coverage starts with Felix?
Coverage for accidents begins after just 2 days, while coverage for illnesses requires a 14-day waiting period. Some specific conditions, such as herniated discs or cruciate ligament issues, have longer waiting periods of up to 180 days. Waiting periods for add-on coverages are usually 30 days.
Can I use any veterinarian with Felix insurance?
Yes, Felix pet insurance allows you to use any licensed veterinarian in the United States or Canada. After your visit, simply submit your itemized bill for reimbursement. There is no restriction on which veterinary practice you can choose, giving you flexibility in selecting care for your pet.
Does Felix cover pre-existing conditions?
Felix does not cover pre-existing conditions immediately, but some may be covered after 12 consecutive months without signs or treatment, depending on your state. Always review your policy details, as certain exclusions and exceptions may apply based on your cat’s health history.
