It is best to know your Cat Insurance Monthly & Annual Cost and Coverage. It is also very important to know How to File Claims for Your Pet. You can rest easy knowing your cats are protected from whiskers to tail with a better Pet Insurance. Know what to expect in the bills so that you can choose the best insurance company to subscribe to.
How does Cat Insurance Work?
This popular cat insurance work in three simple ways. They are;
1. Take your cat to the vet
First, you will have to visit any licensed vet in your area. You can decide to make use of any emergency clinic or specialist in the United State. Presently, there’s no network of providers to worry about for now.
2. Send your Claim to your Insurer
Make sure you pay your pet’s vet bill as at when due. Secondly, remember to forward your claim along with vet records and invoice to your insurer.
3. Get you re-inbursement money ASAP
Credible insurers will definitely follow-up with your vet for any missing information. In most cases, repayment claims are processed in less than 14 days.
Why Do You Need Pet Insurance for Your Cat?
As we all know, most people are willing to do anything for their cat, but money is involved. Truth be told, medical care can be draining to your finances. To be more specific, emergency visits to the vet can cost cat owners between $200 and $1,500 per issue. And that doesn’t include routine care or medications. Cat health insurance can save you hundreds and ease your mind knowing you can afford care when your fur baby needs it most.
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How Much is Cat Insurance?
Over the years, insurers offer a number of affordable insurance plans for cats of all ages. When choosing animal insurance companies, ensure their plans are comprehensive and fully customizable. Secondly, make sure they have payment policies that is as low as $9 a month. Do not forget to pick a coverage, deductibles, as well as reimbursement that will suit your budget. Why? So that you can afford the coverage your kitten needs. You can search online to learn more about how to break down your pet insurance costs.
Pet Insurance for Cats of All Ages
1. Kitten Insurance
When a kitten is born, it will want to explore the environment. And in between being a cute ball of fluff and perfecting their personality, kittens can sometimes get into trouble. Sometimes, they get injured in their lifestyle or even fall sick from what they swallow. These troubles causes you to spend your money every now and then. This is the more reason you have to insure your cat.
2. Cat Insurance
As a growing cat, body injuries and illnesses can come out of nowhere, even for indoor cats. It is your sole responsibility to make sure your little pet is protected from harm.
3. Senior Cat Insurance
It is normal that as a senior cat, it may have tested life’s fate with one of their 9 lives. And because of the long time it has lived with you, your love for it will have been strengthened. Loosing it will truely break you or your kids. Therefore, ensure you choose an insurance provides insurance for cats of all ages, including seniors.
Cat Insurance Plans and Cost
In recent times, insurance plans for cats usually covers a variety of conditions such as ear infections, allergies, and upset stomach. All together, insurance coverage of even minor injuries or ailments could save you several hundreds of dollars in vetinary bills.
- Urinary tract infection: This could cost as much as $295 per visit.
- Upset stomach: This could cost as much as $385 per visit.
- Renal failure: This could cost as much as $485 per visit.
- Diarrhoea: This could cost as much as $203 per visit.
- Allergies: This could cost as much as $249 per visit.
- Diabetes: This could cost as much as $276 per visit.
- Colitis: This could cost as much as $203 per visit.
- Ear infections: This averages to $149 per visit.
- Upper respiratory infection: This could cost as much as $219 per visit.
- Hypothyroidism: This could cost as much as $123 per visit.
Choosing the Best Cat Insurance Plans
Before you choose an insurer for your pet, ensure they are offering some of the best cat insurance plans available. Check they well and be sure they can help ensure your feline friend lives a long and healthy life. Make sure the insurer offers innovative and industry-leading benefits with competitive rates. Read caefully through the insurer’s blueprint to be sure there’re no breed exclusions or upper age limits. Lastly, choose the ones that offer affordable options for every pet owner; this will make your choice of Pet insurance a smart choice for your family. See more updates below;
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How to Tell if you Choose the Best Cat Insurance
- The insurer will Cover all of your pets under one policy! make sure they are among the pet insurance provider that offers family plans. Fact!!!
- Their wait periods should be among the shortest in the industry, so that your pet will receive quick/reliable coverage.
- They will be there for you through every stage of pet ownership, even the hardest moments. In fact, this includes an option to cover grief counselling in the event of your pet’s death.
- They will agree to work directly with your vet if your claim is missing any info, so you don’t have to worry about any of the back and forth.
What is Covered for a Cat Insurance?
- Illnesses (including hereditary, congenital & chronic conditions)
- Diagnostic Tests
- Exam Fees
- Cruciate Ligaments
- Anterior Cruciate Ligament (ACL)
- Medial Cruciate Ligament (MCL)
- Holistic Care & Alternative Therapies
- Emergency Care
- Optional Preventive Care coverage (available at an additional cost)
- Pet food, special diet
- Parasite prevention and parasite treatment (available with optional Preventive Care coverage)
- Intervertebral Disc Disease (IVDD)
- Posterior Cruciate Ligament (PCL)
- Cranial Cruciate Ligament (CCL)
- And Much More!
What’s Not Covered
- Elective Procedures
- Expression or removal of anal glands or anal sacculitis
- Breeding or conditions related to breeding
- Vitamins, mineral supplements
- Grooming costs and bathing (incl. medicated baths)
- Illness or injury which arises out of racing, coursing, commercial guarding, or organized fighting of your pet
- Organ Transplants
Pre-existing Conditions May Not be Covered
According to Wikipedia; in the context of healthcare in the United States, a pre-existing condition is a medical condition that started before a person or pet’s health insurance went into effect. In years past, (before 2014), some insurance policies would not cover expenses due to pre-existing conditions.
Pre-existing conditions — including conditions, illnesses, injuries, or symptoms that occurred prior to the coverage date and/or any applicable waiting period — may not be covered. Learn more about pre-existing conditions and reference your policy for full details using the search box in this website.
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What are Whiskers? it is more generally called vibrissae, are a type of stiff, functional hair used by mammals (cat for example) to sense their environment. Whiskers are sensitive tactile hairs that aid navigation, locomotion, exploration, hunting, social touch and perform other functions. These hairs are finely specialised for this purpose, whereas other types of hair are coarser as tactile sensors – Wikipedia.