Cat Health Insurance: A Layman’s Guide to Selecting a Good Cat Health Insurance Policy  

Cat Health Insurance: A Layman�s Guide to Selecting a Good Cat Health Insurance Policy

It wouldn’t surprise many cat owners that people and their feline companions have been living closely together for at least 4,000 years. Today there are over 65 million domestic cats in the United States, meaning that pretty much everybody knows somebody who has a cat. Cats are important to their owners; they can be like best friends and even children, and the health of your cat is always something of great importance. As a matter of fact, the American public spends around $8 billion dollars a year on veterinary bills, and a large portion of that amount is just for cats. For this reason, it is important to understand the importance of health insurance for your cat if you have one, and here are a few tips to help you better understand what a cat health insurance policy normally consists of, and what every cat owner should make sure they include.

Do You Have a Veterinarian Preference?

If you have a preference and you want to stay with your own veterinarian, you have about a fifty-fifty chance of being able to go with the cat health insurance plan that you immediately select. The reason why is that, just like health insurance for human beings, cat health insurance plans have a preferred list of their own, and in order for them to cover the charges of your veterinary costs, you have to use one of their preferred providers. If your veterinarian is listed, you’re in luck. Otherwise, you are going to have to consider switching your insurance provider selection or your veterinarian.

What Kind of Coverage Do You Need?

Depending on the coverage that you choose to go with and the amount of your monthly premium, different services will be included on the policy for your cat. Most cat insurance policies do not cover spaying and neutering, but a rare few of them do and those policies will probably be a bit more expensive. Many of the more seemingly inexpensive cat health insurance policies have a list of exclusions as long as a school bus. Flea control, dental care and cleaning, heart worm medication and preventative--these are all common on the exclusion lists of many cat health insurance policies, and you might not know that if you don’t read the fine print.

Can You Afford the Deductible?

The deductible that must be paid differs from insurance carrier to carrier. While some insurance providers require a deductible, some require a co pay and some require both. The idea behind having to pay this money up front before your claim is paid is to discourage people from making frivolous claims, and it can certainly do that. At the same time, it can also deter hard working people from being able to afford to file their claim. Most deductibles are $50 per incident, while others can get much higher, up and into the $100 range. If you can’t afford most routine vet bills, you probably can’t afford such an insurance policy.

As a cat owner it is your responsibility to provide your feline companion with good medical care. Protection from things like rabies, fleas and other parasites, and even more serious events like FIV and cancer are important, and pet insurance makes taking good care of your pet’s health much more affordable.   Site Map - About Us - Contact Us - Terms of Use - Privacy Policy

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