When deciding whether to buy a pet insurance policy for your cat, you must consider the policy’s deductibles and exclusions. Annual coverage limits require a single deductible, while per-condition plans require you to meet the same deductible each time your pet experiences an illness or injury. Per-incident plans require you to pay the same deductible for each event, but with a lower premium.
Pre-existing conditions are not covered by any pet insurance plan. Some companies will waive the exclusion for conditions that started prior to the coverage. Others may cover pre-existing conditions after a certain waiting period. However, you will need to make sure your pet is healthy and does not have any pre-existing conditions to be covered. While you may be surprised by the cost of an insurance policy, it can pay for itself if you have to visit the vet for a major illness.
If you have a dog or cat, you can use Pawlicy Advisor to compare prices across different states. Its database shows average insurance rates for various types of dog and cat sizes. It also lists the deductible, maximum payout limit, waiting periods, and exclusions. Check the coverage and deductible before purchasing it. Make sure to set up an appointment with your veterinarian. In addition to scheduling an appointment, make sure to prepare your cat’s home for accidents. Cats love to scratch and chew, so tuck away loose cords and food and keep the throw and other items out of reach.
Before purchasing a pet insurance policy, check the policy’s details carefully. Some policies cover specific illnesses and injuries, including accidents and prescriptions. Some also cover surgery and hospitalization, and some even reimburse the costs of emergency veterinary care, including urns and funeral arrangements. In general, though, a pet health insurance policy covers the medical expenses of your cat, and you will be able to pay your veterinarian and other expenses after the deductible is met.