Cat insurance works pretty much like human medical insurance. Given the high costs that trips to the veterinarian entail, cat insurance protects you financially in the unfortunate case of your feline friend developing a condition.
It covers most of the costs of such medical expenses, so that you can enjoy your lovely cat for as long as possible.
What Does Cat Insurance Cover?
Generally, cat insurance covers injuries and illnesses including hereditary, congenital and chronic conditions. It is especially important to look for a provider that specifically covers cancer, as this disease can be extremely costly to treat.
Some pet insurance companies consider cancer to be a preexisting condition, in which case treatment is not covered. Therefore, make sure to find a provider that does, since cancer is a common illness among cats.
Also, it is wise to choose a provider that takes care of examination fees and prescription medication, since many chronic or long-term conditions require continuous treatment.
There are also providers that offer optional wellness and care plans, such as neutering or spaying, vaccinations, alternative care, and so on.
Types of Cat Insurance
Cat insurance usually falls under one of the following categories:
- Accident only: coverage is only offered for the treatment of accident-caused injuries.
- Accident and illness plans: these cover not only accidents, but also a wide range of illnesses, as long as they are not preexisting.
- Wellness plans: these are optional plans that cover routine treatments and preventive care, such as wellness exams, flea and tick prevention, and vaccinations.
- Time-limited plans: these cover as many treatments as the cat needs for a limited period of time.
- Maximum-benefit plans: similar to the time-limited ones, these policies put a cap on the amount of money a plan covers for a condition.
- Lifetime policies: these are meant to cover any chronic or recurring conditions over the entire course of the cat’s life.
How Do I Enroll?
Generally, cat insurance enrollment can be done online on the provider’s website. Some companies ask for a detailed medical history prior to the first claim. After you enroll your cat, remember that there is usually a certain waiting period during which coverage is not yet available.
After a vet visit, some providers will ask for a certain form to be filled in, while others just require a simple picture of the vet invoice. While some insurance providers will pay the vet directly, more often than not, you’ll have to cover the cost up front. The pet insurance firm will then reimburse you if your claim is approved.
Why Should I Get Cat Insurance?
Cat insurance is important because it helps cat owners cover their pets’ medical expenses, which can be extremely pricey in the case of cats in particular.
Therefore, if chosen wisely, pet insurance can contribute to a longer and happier lifetime for cats to spend with their beloved families. As for the cat parent, you get peace of mind knowing that you’re covered in case anything goes wrong with your furry friend.
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