Cat Health Insurance Basics. What You Need to Know

Cat Health Insurance Basics

Pet Insurance works on the same principle as health insurance.

As a cat owner you can select from various plans with varying coverage and deductibles.

Coverage plans vary by type, price, etc so depending on what you select your monthly premium could be as low as $5 / month up to $80 / month.

Below is a list of things to know before you buy pet insurance for your cat or kitten!

What does Cat Health Insurance Cover?

Some insurance plans cover accidents but do not cover illnesses.
Some plans cover treatment for cancer, some do not.
Certain policies cover only accidents
Most policies cover accidents and illness
Some comprehensive policies can cover everything from preventive care (check-ups, vaccines, spaying/neutering, drug, dental, cancer treatment) as well as accidents and illness.
Unless explicitly stated, you should be able to use any veterinarian you want
You typically have to pay the vet bill out of pocket and then submit a claim
Pre-existing conditions are not covered

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What To Know Before You Buy Cat Insurance

Matters to consider include the following:

Does the insurance company exclude your cat's breed?
What is the age limit on enrolment? (ex. some companies require the your cat to be at least 8-weeks-old, others do not cover a cat past a certain age.)
Does the insurance company offer multi-cat / multi-pet discounts?
Understand deductibles, co-payments, coverage caps so you know what it is you are going to be responsible for.

How to not Spend too much on Pet Insurance

Like life or car insurance there are certain things that can lower your costs:

Keep your cat indoors. This will decrease the risk of car accidents, animal / insect bites, fights or parasitic disease
Microchip your cat good way to track a lost pet quickly
Do not smoke. Will do wonders for your cat's lung health...