Cat insurance: guide, tips, and prices

To avoid unpleasant surprises when you take your cat to the vet, you can choose to take out a pet insurance.
The principle is simple. You pay a monthly fee and the veterinary expenses of your cat will be covered, totally or partially. You are free to choose the plan that best suits your needs. To make the right choice, follow the guide!

Cat insurance: guide, tips, and cost

Why insure your cat?

 your cat needs to be treated in case of illness or accident. These expenses are in addition to those for food and annual consultations to booster vaccines, de-worming, anti-parasitic, etc. Some people do not anticipate these costs and are sometimes embarrassed by exorbitant bills. They sometimes wonder about the need to consult the veterinarian in the event of a problem, a decision that can have disastrous consequences on the health of their animal or that can lead some owners to prematurely euthanize a regularly sick cat. This is a sad observation.
To have more quiet of mind, you have the possibility to subscribe to a pet health insurance. By paying you a small monthly amount, you benefit from a more or less important assumption of the veterinary costs associated with the different treatments and treatment of your cat and/or surgical operations that it may be required to undergo.

This practice,  is very common in Britain and the Nordic countries. it helps to give your little companion a better monitoring of his health. This way you can give him the care you need without worrying about the impact of your budget. In addition, you are free to subscribe to the plan that suits you, adapted to the needs of your cat and your financial resources.

Cat insurance, pros and cons

Taking out insurance for your cat has several advantages:
» you give your pet better medical follow-up, both preventive and curative.
» You will no longer hesitate to consult the veterinarian in case of doubt.
» You offer your cat a better quality of care, no longer limited by financial barriers.
Nevertheless, pet insurance can have some disadvantages, of which it is important to be aware:
» If you avoid unexpected large expenses, you must nevertheless pay a monthly contribution, even in the absence of care. Although it is low (between 7 and 65 $ depending on the conditions), it can slow down some low-income households.
» Some providers offer you low prices, but they hide some important costs in the small lines. These practices are frightening and not always honest. Make quotes,  give preference to recognized insurers and don’t turn away from contracts that sometimes seem expensive, it all depends on what they offer.

How to choose the best insurance for your cat? Points of vigilance

Compare the options and make free online quotes, it will help you find the one that best suits your cat’s needs and budget. To help you find the ideal service provider, here are some tips.
» Prefer the full plans. They are more interesting than those that only cover accidents or surgical procedures. This will prevent the risk that the insurer will be unwilling to reimburse you for certain expenses under false pretenses.
» Evaluate the real needs. An economic plan is inexpensive, but it will only reimburse large claims. An intermediate plan also covers expenses related to minor illnesses. Finally, a premium plan covers everything, including prevention costs related to vaccines, annual check-ups and anti-parasitic products.
» Compare the refund rates. Depending on the plan chosen, they can vary from 50 to 100%. The price of the monthly contribution will obviously be higher if the rate is high. Also be careful with the amount of the deductible, which can vary from 0 to 225 $ and can be applied per act of care or per year. The deductible remains at your expense.
» Some claimants apply a maximum rebate amount for the year, which may vary according to the plan. Beyond that, the veterinary costs incurred will remain at your expense.
» Evaluate your pet’s coverage times. A waiting period may be applied, indicating a period during which it will not be protected between the signing of the contract and the beginning of the actual takeover. This delay allows the professional to ensure that your pet is in good health and does not suffer from chronic disorders. Similarly, some companies refuse to ensure your pet beyond a specific age. Others significantly increase the fees for cats considered as seniors. Be well informed!
» Check the list of procedures that may not be covered, such as hereditary or congenital diseases, disorders that could have been prevented by vaccination, or certain surgical procedures.
» Is the professional recommended by your veterinarian? Does it adhere to the charter of the Order of Veterinarians? Be well informed, a serious provider has little risk of causing you unpleasant surprises.
»Will your cat be insured if you travel abroad with him/her? This option can have many advantages. Have it confirmed in writing.
Compare prices for equivalent plans; they can vary by a factor of two from one insurer to another. Make sure that a cheaper plan will guarantee you the same benefits. Read the short lines, even if it takes time. Finally, make sure that rates do not increase over time.

How much does it cost to insure your cat? The prices!

To insure your cat, it costs between 7 and 20 $ per month for a basic insurance cat plan. On the other hand, the cost of premium insurance can be between 35 and 65 $ per month.
It all depends on the plan you choose and the possible options you add, such as vaccination, sterilization, identification, medications, de-worming and anti-parasitic treatments, etc.

Note: the purpose of this article is simply to provide a better understanding of cat health insurance and to provide information.

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