Our pets hold a special place in our lives. Whether it’s a cat, dog, rabbit, or any other type of pet, you want to make sure that they have got insurance coverage just like you and your family have.
You may be trying to figure out what kind of insurance coverage will be best for your cat? When you choose insurance for your family, you want to be sure they have coverage if they have to be treated for any types of harmful diseases or accidents. The same rule applies to cats. You can find pet insurance for cats to cover the expense for accidents, illnesses, surgeries, prescription medications, specialty care, diagnostic treatment, and many other conditions.
Considering Pre-existing Conditions
It is rare that an insurance company will provide coverage for an illness that your pet already has. This is why it is best to get coverage before your cat gets sick so that he or she is covered if they develop diabetes or need any type of emergency care service.
Kittens and cats up to five years often suffer from upper respiratory infections or urinary tract infections. As your cat gets beyond six years of age and beyond, they could be affected by a congenital or hereditary condition. Fortunately, you can find coverage for all of these ailments when choosing the insurance provider.
Is It Worth It?
Cats who go outdoors have a high risk for injury, so it makes absolute sense to get coverage for an outdoor cat. But what if your cat has never stepped foot outside? You may think that he is safe but unfortunately, this is not the case. They can still get hurt in an accident, such as, swallowing a string or getting into something he shouldn’t have. They could also develop common cat health ailments such as, kidney failure, cystitis, diabetes, feline leukemia and more.
How Pet Insurance For Cats Works
You will always find exclusions when it comes to pet insurance. These exclusions often include neutering and spaying, vaccinations, flea and heart worm medications, dental care and pre-existing conditions. You always want to check to see what is covered.
There are also lifetime caps that are placed on the insurance which basically means that there is a maximum amount of coverage that will be paid for the covered illness. Some companies have an annual cap which is the maximum amount allowed for each year, while others employ a lifetime cap.
You can get riders added to your policy from some companies. These riders provide added benefits, such as dental care, preventative care and even, extended cancer care.
Suppose your cat has fallen sick and needs immediate hospitalization, then all of the money that you have spent on the treatment will be reimbursed by the insurance company. Unlike insurance policies for humans where you only pay co-payments and deductibles, pet insurance is paid back using a reimbursement plan.
Once you claim for the expenses of the treatment, the insurance company will go through the claim in detail and provide a reimbursement check for you.
Getting insurance for your cat allows you to budget for their care and will give you the peace of mind you need if he or she develops any type of illness or has an accident. Just be sure to research to find the insurance that gives the terms that you need.