Ever since ancient times, as much as 4,000 years ago, cats have been very much admired and even worshiped. Ancient Egyptians used to mummify their beloved furry friends together with their toys. It is no wonder that they are so dear to us, since cats have a proven positive effect on their human parent’s health, both mentally, physically and even spiritually. And since they are so loved, we naturally want to offer them the best possible care when needed. That’s why we carefully chose three of the best cat insurance companies to offer the purrfect backup if things go wrong.
The Best Cat Insurance of 2019
1. Pets Best
As one of the top choices in the market, Pets Best excels in several aspects compared to its competition. This is because the company does not impose any maximum age limit on the cats that are enrolled, offers the possibility of unlimited annual caps, and it also offers cat owners the choice of a maximum 90% reimbursement.
The only downside here is the high deductible for the unlimited annual limit plan, but this is worth it if you consider the wide coverage that it provides. Within its protection are accidents and illnesses including chronic ones, hereditary and congenital conditions, as well as cancer, dental coverage, exam fees, and much more. Pets Best also provides a range of optional wellness plans.
The waiting periods with Pets Best are some of the most reasonable in the pet insurance industry, too, requiring only three days for accidents, 14 days for illnesses, and six months for more severe conditions such as cruciate ligament injuries.
Here is a sample quote from Pets Best for the most popular plan, the Plus plan, for our virtual two-year-old mixed breed cat named Lilly, ‘based’ in Phoenix, Arizona.
|Monthly Premium||Yearly Cap||Annual Deductible||Reimbursement Percentage||Coverage|
|$15.27||Unlimited||$500||90%||Accidents, illnesses, cancer, hereditary conditions, exam fees, and so on.|
Even though Trupanion is very appealing because it does not impose any type of annual, illness, or lifetime caps on its service, there is still some level of customizable lifetime or per-condition deductibles to consider. This is worth considering if your cat is purebred and that you know it is prone to certain health issues genetically, since you may find yourself in a situation where your pet will see the vet on numerous occasions for different conditions in the same year. This means that for each condition in that year, you’ll have to pay the deductible.
However, the reimbursement level with Trupanion is 90%, the deductibles can range from $0 to $1,000, and the maximum cat’s age is 14, which all many it a worthwhile service. Otherwise, its coverage includes hereditary diseases including diabetes and congenital illnesses, veterinary supplements, medications, and the like. The waiting periods are five days for injuries and 30 days for illnesses without any expected extensions for more severe conditions. Helpfully, there’s even an option for the provider to pay the vet directly.
Here is a sample quote from Trupanion for the cute Lilly virtually based in Phoenix, Arizona.
|Monthly Premium||Yearly Cap||Lifetime, per Condition Deductible||Reimbursement Percentage||Coverage|
|$40.42||Unlimited||$200||90%||Accidents, illnesses, hereditary conditions, and so on.|
3. Healthy Paws
This insurance company has a maximum age limit of 14. There are no annual, per-incident, or lifetime limits and it offers up a maximum 90% reimbursement rate. Healthy Paws also has customizable annual deductibles that are quite reasonable.
The coverage offered by this provider includes the whole suite of potential concerns: illnesses and accidents, hereditary and chronic conditions including cancer, hospitalization, prescription meds, and much more. Frankly, it insures a wide spectrum of non-preexisting conditions.
However, Healthy Paws does not cover exam fees and nor does it offer wellness plans. This means that preventive care like yearly check-ups, vaccinations, teeth cleaning, or spaying/neutering are not covered.
Healthy Paws is interesting with its waiting periods, though, since injuries and diseases are both bundled into the same 14-day period. While this is longer for injuries than most of the competition, it could prove to be a wise investment if you have a limited budget since this pet insurance firm has very reasonable monthly premiums.
Here is the quote from Healthy Paws for our purr-y friend, Lilly.
|Monthly Premium||Yearly Cap||Annual Deductible||Reimbursement Percentage||Coverage|
|$18.44||Unlimited||$250||80%||Accidents, illnesses, hereditary conditions, cancer, hospitalization, prescription medications, and so on.|
How to Choose Pet Insurance for a Cat
Here are some tips on choosing the most appropriate insurance for your cat.
1. Research the Provider
When choosing an insurance provider for your cat, it is very important that you thoroughly research different pet insurance companies. Find out how long they have been in business for, read independent reviews and comparisons, and find customer opinions on each provider. Researching any discounts that the insurance firm might offer could also be a decisive factor.
2. Understand the Coverage
It is extremely important to understand what is covered by a particular policy to avoid your feline getting seriously ill and only then finding out that, even though they are insured, the provider won’t reimburse you for the veterinary care costs.
It is advisable to enroll in a policy that covers congenital, chronic, and hereditary diseases, including those conditions related to certain breeds or cancer since cats are predisposed to developing these types of illnesses and they can be extremely expensive to treat.
In case you have any misunderstandings about the coverage, don’t hesitate to contact the company’s customer care and make sure to get clear answers on all of your questions.
3. Choose the Plan That Best Fits Your and Your Cat’s Needs
Finally, it is important to choose a pet insurance plan that fits your financial needs. This means that you should be able to afford to pay the deductible together with your the percentage of the vet invoice that is not covered by the provider.
It’s also important to think about your cat’s needs. When doing this, think about your pet’s age, any preexisting conditions, if he or she is likely to develop certain breed-related diseases, and their existing medical records. You should also consider whether they are indoor pets or have regular access to the outside where it is more likely for them to get injured, and so on.
Cat Insurance 101
In simple terms, cat insurance works pretty much like any human medical insurance. It is meant to help the owner pay most of the healthcare costs should the cat develop an unexpected injury or illness.
How to Choose the Right Cat Insurance
Sometimes the terms described by pet insurance contract might sound complicated and confusing. Remember, if there is something that you do not understand, then you can ask questions of the company and make sure you receive clear answers before signing on the dotted line.
It is recommended to get different quotes for your cat’s insurance from different providers and compare them with the requirements of both yourself and your furry child’s requirements. Try putting them into a table to easily visualize the pros and cons of each, as follows:
|Name of Company||Monthly Payment (Premium)||Annual Limit (Cap)||Type and Amount of Deductible||Reimbursement Percentage||What’s Covered – Is Cancer Included?||What’s Not Covered||Waiting Period|
How Does Cat Insurance Work?
Firstly, you have to enroll your cat. This can be done quickly over on the provider’s website, though some firms require the pet’s full medical records prior to the first claim.
It is important to double check the policy’s coverage before filing in the first claim to make sure you will be reimbursed. Most insurance providers will ask you to fill in a specific form, while a few only will need a picture of the vet invoice.
Usually you will be the one paying the entire vet invoice and then the insurance company will send you its share of the reimbursement. There are, though, a few firms that will pay the veterinary’s office directly. Also, remember that pet insurance works with deductibles, which means that you’ll have to pay a portion of the vet bill first, an amount agreed on when starting the subscription and depending on the service type.
Filing a Claim
The process of actually requesting a claim differs from each pet insurance provider to another. Some companies have a very simple and rapid procedure, while others require cat owners to do more through a complex process.
The best time to file a claim is immediately after the visit to the vet in cases where the treatment that was given is covered by your chosen policy. Even if a treatment does not cost a lot, it is still worth filing a claim for it since it will count towards the deductible.
If a form is required, usually it will need to be supplied together with a detailed copy of the vet invoice. These forms are generally available on the provider’s website, so make sure you have a few copies printed out ready, in case something goes wrong.