Pet Health Insurance: Should You Buy it for Your Cat?

Remember the last time you took your cat to the Vet? The worry? The gratitude when poor Fluffy turned out just to have a little cold? The bill? Oh, yeah, remember the bill? Even the most minor of cat conditions can rake up quite a hefty bill. Imagine a more serious condition and what that would cost.

It’s time to consider pet insurance.

For some people, pet insurance can sometimes be the difference between treating your cat’s illness or injury, or choosing to euthanize. But, what kind of cat health insurance is right for you?

Many policies start as low as $10 per month for basic coverage (illness and injury), and can go up to $45 per month for a policy with all the bells and whistles (flea treatments, tags, etc.) You want to ask yourself if you really need all the bells and whistles, or if a basic plan will do. That, of course, is up to your and your economic situation. However, most people find a plan that covers illness and injury to be all they need. You’re really wanting to cover the “unexpected.”

In choosing a policy there are definitely things to look out for. For example, some policies exclude pre-existing conditions. Always read the fine print of the policy.

7 Things to Look For When Choosing Pet Health Insurance:

1. Are preexisting conditions excluded?

2. Are there any illnesses or disorders which are excluded? For example, cancer. Are cancer treatments included?
 
3. Are injures due to accidents covered?

4. Are “outdoor” pets covered? Some policies will only cover animals which are kept indoors.

5. Can you choose your own vet, or must you go with the providers specified by the policy?

6. Is there a deductible?

7. What is the annual limit of coverage? You want it to be enough, but don’t overpay for an amount you may never use.

Synonyms:  insurence, insurnce, insuranse, insureance, isurance, nsurance, insurrance, inurance, insurane, insuarance, insurace, insrance, insuance, insurances, insuranc, insurnace, insruance and insuracne are typos for "insurance."