Cat health insurance can be a confusing topic, but keeping your pet healthy
The answer to this question varies from situation to situation. Insurance of any kind tends to be almost a cultural thing. Some families only feel secure with the best coverage, some folks would rather put funds aside in case of emergency and pay as they go, and many more will go without any safety net at all and deal with each situation as it happens - or maybe doesn't happen.The best thing you can do, if you like the idea of some security and limited surprises, is to get a plan early on and stick with it. Some insurance companies have an age limit on the animals they will accept (usually around 5 or 6 years old.) Don't let the coverage lapse once you start. You will need to provide your cats health history before your cat will be considered for coverage. Age, previous accidents, and whether or not your pet is spayed or neutered are some of the things that can influence acceptance and the price you are quoted. Of course, most policies will deny or limit coverage based on genetic issues and pre-existing conditions.
The majority of cat health insurance plans don't cover basic office visits.
are some companies that
Plans" at additional cost that will cover office visit
fees, but they can be pricey. Most pet owners agree it isn't the
maintenance of a cats health that can be costly, it is the accident or
the unexpected. Catastrophic care coverage, and quality coverage for
congenital issues and long-term illnesses is what you should be most
concerned about. There are no plans available that will cover a
Beware of plans that have what is known as a "scheduled reimbursement"
plan. This means the insurance company has predetermined a set amount
per condition, and will not pay beyond that amount. The best companies
pay a percentage (up to 90%) of the actual veterinary bill.
Look out for cat health insurance that has a maximum payout per condition.
These can sometimes be as low as $2,000 for the length of that
condition. That is simply too low to justify the cost of the coverage,
since the huge cost of a major health issue is exactly what you are
trying to protect yourself against.
Many companies put a cap
on lifetime benefits - this can be financially devastating
if your pet suffers from a long term illness.
Drug coverage is usually included, but there are some companies that require additional fees for medications. It is not industry standard to have to pay more just to have drug coverage, so keep an eye out for it when reviewing policies.
Let's put this all together to clarify the most important
Although there are some other good choices available, the best reviewed cat insurance plan that meets all these criteria is Healthy Paws which is by far our top pick. The coverage starts within 15 days for most pets and the customer service is the highest ranked in the industry.