Puppy Care

Cat Health insurance has been around for over 10 years in the US. It’s only recent that many Americans are looking at getting pet insurance for their cats and other pets. This is largely because the cost of going to the vet has risen close to 100% in just 5 short years. Cats can live very long lives. My wife’s first cat just passed away this last year after 19 long years. As cats get older, they start having more health issues such as cancer, arthritis or even kidney problems. Cat health insurance can ease the burden of treatment costs so that you don’t have to make any difficult decisions about whether you can afford it.

Every cat health insurance plan is different, you should shop around a little and find a policy that suits your needs. Two place that have good plans are at quickcarepetinsurance.com and www.petco.com. Some plans do not cover certain breeds and most do not cover pre-existing conditions. Another item to look at is hereditary diseases. You need to see if your breed has any and if they are covered.

Does Your Vet Accept Insurance?

Another important item to check out is to make sure your vet will accepts the insurance plan. Most do but check out the insurance policy and ensure your vet is a provider or just call up your vet and ask.

Exclusions, Caps And Deductibles

Most cat health insurance policies will have certain clauses that mention that pre-existing conditions are not covered. There may be other exclusions such as heartworm medication, flea control, spay or neutering and vaccinations. Of course, each insurance company is different so some may include these things and some may not. Pet medications aren’t that expensive when you buy them online.

Each company that you obtain a quote for cat health insurance from will have different rules regarding deductibles or co-pays. Some insurance companies will require a flat deductible while others will request that you pay a percentage of the total fee each time. In regards to caps for cat health insurance, there may be a maximum amount of money the company will pay over a lifetime or for a certain procedure. The idea here is you are going to be paying it out anyways and the health insurance for your pet will help to curb the huge out pocket costs.

Other Thoughts to Ponder

Cat health insurance can also have add-ons called riders that can cover miscellaneous expenses like dental care, preventative health care and even accident coverage. Some companies offer cat health insurance extra benefits like discounts for boarding fees, grooming or even micro-chipping. The bottom line is that you, as the pet owner, have to feel comfortable with the cat health insurance coverage for protecting your family feline as well as the cost to you.