Cat Insurance Complete Buyers Guide
Get your cat high-quality medical treatment at all times!
What Is Cat Insurance?
Why Would I Need Cat Insurance?
Ensures Your Financial Security
It financially protects protective pet parents like you when your cat is ill or dealing with any medical condition, such as dental treatments, insect-borne illnesses, and skin allergies.
Get Your Cat High-Quality Medical Treatment at All Times!
Extra Coverage Protection
Covers Accidental Costs
Helps You in Maintaining Budget
What is Covered in a Cat Insurance Plan?
Comprehensive coverageUnder this type of cat insurance coverage, a wide range of medical conditions are covered. Comprehensive coverage is suitable for those cat breeds that are prone to medical illness. This coverage option is a little bit expensive compared to other coverage options because it protects from accidents, injuries, chronic illness, diagnostic care, infections, hereditary problems, and emergency care.
Accident Based CoverageWhen your cat gets injured, accident-based coverage might help you take care of them without worrying about your pocket. Torn ligaments, bite wounds, cuts, shattered bones and hazardous ingestions are a few of the accidents-related injuries covered under accident only coverage. This type of cat insurance coverage is suitable for emergencies.
Illness based coverageYou can receive reimbursement for big and small illnesses under this coverage, including cancer, arthritis, hypothyroidism, digestive issues, and urinary tract infections (UTIs). It can pay for everything from diagnosing your pet’s health issue to the therapies your cat requires to recover. Having this financial support might be a huge comfort when caring for a sick cat.
Which Factors Affect a Cat Insurance Premium?
AgeRemember that the older your pet is, the more you have to pay for their insurance, just like the life insurance policy works for humans. This is because seniors require more expensive healthcare and are more likely to experience health problems than younger pets.
Animal TypeBoth dogs and cats have their medical problems, but typically cats experience fewer medical problems than dogs. Thus the cost of the cat pet insurance plan is less expensive then the dog insurance plans.
BreedSome cat breeds are more prone to illnesses. You have to ensure that your cat is not one of those breeds as the rates of the cat insurance policies are high for these kinds of breeds compared to other species.
Coverage TypeCat insurance options vary, just like life insurance policies do. Think of buying comprehensive coverage. Under this, a wide range of treatments are covered, and the cost would be high. Still, if you purchase a baseline insurance policy like accident-only coverage, only the treatments for accidents are covered, and the cost would be low. It is simple to understand, you will. Get what you pay for, so your payment will be higher if you want additional cat insurance coverage.
LocationYou may think that pet insurance for cats would cost the same, whatever the location is. But, unfortunately, that’s not always the case. More significant metropolitan places may charge slightly more than rural areas. The cost of cat insurance will likely be higher in a specific city or state if the overall cost of veterinary treatment is higher.
What Determines The Price of Getting The Cat Insurance Plan
Pre-existing conditionsPre-existing conditions are not covered Many pet insurance providers do not offer coverage for animals who are currently affected or have any past medical records of being ill or injured regularly. This phrase describes any medical problem that your pet had signs of or was diagnosed with before the commencement date of the insurance coverage is treated as a pre-existing medical condition. Fortunately, the Fast ESA Letter is here for you. We cover pre-existing medical conditions of your cat and provide best pet insurance policies for cats that would benefit you and your furry friend.
Waiting PeriodsThe waiting period is between the day you purchase the policy and when you can submit a claim. Usually, this takes 10 to 30 days. If your cat gets ill during the waiting period, then it would be considered a pre- existing medical condition.
ExcessThe sum of money you must contribute to a claim is called excess. In most cases, a fixed amount will be deducted from claims for each condition. Depending on the situation, this might be removed once over a pet’s lifetime, once a year, or when you file a claim. After the predetermined sum has been deducted, many policies impose an additional percentage contribution toward the remaining claim balance. This may help you in keeping premiums more affordable.
Frequently Asked Questions
How do waiting periods work?
If my pet was sick before I got insurance, are they covered?
Pet insurance plan usually don’t cover pre- existing conditions. This completely depends on the company whether they cover these conditions or not.