subject: A Guide to Purchasing Health Insurance for Your Cat [print this page] A Guide to Purchasing Health Insurance for Your Cat
For most owners, pet health insurance is essential for peace of mind. However, if you about to purchase pet health insurance for your cat, you may want to think carefully about which policy to buy. Frequently, pet owners make the mistake of buying a policy that is too excessive or does not cover their needs. Consequently, you may find that you are paying too much for your pet insurance or that your policy does not cover all the vets costs, leaving you with a hefty bill.
Why Bother Getting Cat Health Insurance?
You may be reluctant to purchase cat health insurance, because it is expensive. Well, while it is true that pet health insurance policies are pricey, this is not true of all of them. Additionally, if you are worried about your finances, it is advisable to consider what would happen if your cat suddenly needed treatment. Even a simple diagnosis and treatment could cost thousands, so it is preferably to have the safety net of pet health insurance.
Bear in mind that your cat is likely to need some kind of veterinary treatment at least once in his, or her, lifetime. Naturally, some cats may need frequent medical assistance. Therefore, do not fall into the trap of thinking "my cat will be O.K"
Things to Consider When Browsing Cat Health Insurance
Like any other kind of insurance, the cost of your policy will depend on the amount of cover you would like, the insurance provider you select and, of course, the medical needs of your particular cat. Subsequently, it is well worth a little time spent researching your options and choosing the policy that provides you with the best deal. Obviously, when comparing prices, there are a great number of things to keep in mind.
For instance, one of the things that you should investigate is the deductible amount. In addition, look at whether the policy is comprehensive or budget. Moreover, you will notice that some treatments/procedures are covered by the policy whereas others are not. Another important facet to think about is whether there is a limit on the amount paid out by the policy. These may seem unimportant when you're looking at policies, but they will be crucial when you come to make a claim.
Of course, the flipside of these considerations is the price of premium. In other words, a comprehensive plan, which will cover almost all incidences of illness or injury, will require a larger annual, or monthly, payment. Subsequently, you will have to assess your own finances carefully before reaching a decision.
In addition, if you are about to welcome a new kitten into your home, bear in mind that initial vaccinations and spaying or neutering are not usually covered by regular pet health insurance. It may be possible to add a rider to an additional plan. Alternatively, you may find that paying for shots and spaying/neutering is the cheaper alternative. Again, this is a personal budget decision that you will have to consider.
Consult Your Local Vet
When selecting an insurance plan, you may find it helpful to visit your local vet's office. There are two reasons for this: firstly, your vet may offer suggestions of plans and insurance providers that are suitable for you. Secondly, and most importantly, you will find that not all vets accept all pet insurance policies. Therefore, it is crucial that you choose an insurance plan that is accepted by the vet you will be using.
Naturally, these are just some of the things that you may like to consider when purchasing cat health insurance. Remember, it is crucial that you read the details of a policy carefully and always examine the small print to ensure that there are no hidden costs or clauses that will void your policy.
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