: Insurance Cat
Insurance Cat Health Problem Programs
A Starter Guide for Reviewing Cat Health Insurance Options
health insurance pet care programs have gained widespread
acceptance among owners and veterinarians. These programs won't
save your cat from injury, but they relieve you from
making a life or death decision based upon financial resources.
Cat health insurance programs provide peace of mind for owners.
Instead of making the difficult decision to euthanize a pet because
you can't afford the costs of a medical recovery, cat owners can
afford to consider the best and sometimes, more costly care.
Here are some factors you should consider during your search for
insurance cat health problem.
Limitations by state;
Limitations to specific veterinarians;
Wellness care benefits like annual physicals, office
visits, vaccinations, teeth cleaning and spaying or
Flea and heartworm preventives;
Coverage for pre-existing conditions;
Coverage for older cats;
Coverage for cats with a genetic predisposition for certain
Testing for urinalysis or kidney;
Discounts for multiple cats;
Fees and deductibles.
Most insurance for cat health problems are cover unexpected injuries
and illnesses. Some offer coverage for routine care like vaccines,
flea tick and heartworm medications.
Some insurance companies have separate programs for 'routine
care' like vaccinations and worming..
Its best to insure your cat
when he is young because, you have fewer options once he get's over
9. Another pain is finding a program to cover pre-existing
conditions, birth defects and genetically related disorders.
Cosmetic care like docking tails or ear clipping is not covered
(usually these aren't processes searched out by cat owners.)
The lesson here is to get covered before the big ticket items hit
your pocket book. Coverage is for individual cats. You can't
use Simon's coverage to pay for Ms Dee's ailments. She must
have her own coverage.
How does it work?
Usually you, the cat owner pays the vet for services, then they
file a claim with the cat health insurance carrier, then they
are reimbursed by the carrier. This takes the vet out of the
billing and claim filing nightmare plaguing human health care.
There are one or two programs that pay the vet instead of the
Usually there is a deductible, typically $50 - $100 which can be
per incident or annually. Some have co-pays. The the coverage
is for anywhere from 80% - 100% of the veterinarian's fee.
Some insurance cat health problem progrmas base the payback on a
benefits schedule; some on what is called Usual, Customary &
Reasonable (UCR); and others are strictly a percentage of the total
Most plans place a "cap" on how much they pay for each illness or
injury per animal, per year. Some have lifetime "caps."
Some plans limit your participation to certain providers. This
may be fine if your provider is included in their list, but what if
she isn't? Also, if you travel with your pet how would you deal with
emergency vet visits? Are you working with a holistic vet?
Consider a company that allows you to deal with any veterinarian.
Take advantage of free quotes. If you can't find answers on their
website for your questions, then give them a call.
Does the program give discounts for multiple cat households?
Understand when the policy begins and ends. Find out if there is a
x-day wait period before you can benefit from the coverage. Find out
if your cat is covered until he dies or if there is a age
Typically you can start a program for your kitten at 6-8 weeks.
Usually there is an enrollment age limitation.
can mean any illness, accident, or injury that was contracted prior
to the effective date of the policy. Many programs do not pay
for pre-existing conditions so be sure to understand their