Pet insurance offers a multitude of venues for your cat. You
can simply purchase a policy that permits you to cover him in the
event of an emergency or you can go all out and cover his annual
visits, spaying, emergency care, dietary prescriptions, and medications.
Naturally, the more coverage you’re seeking for your feline
friend, the more you pay monthly.
Most insurance plans are going to be accompanied by a nice deductible for your
purry pal, and nearly all require that he makes it to his annual visit, but you’ll
be hard pressed to find a pet insurance company that requires cats to have a
full fledged physical examination done prior to enrollment.
Felines tend to have their own risks of health issues, such as diabetes. Insurance
plans for cats often address these concerns by offering specialized plans that
either cover treatment or cover the testing, examinations, as well as preventative
care specifically related to these high risk health issues. This means, depending
on the specific health plan you choose, that your cat may very well have an annual
allowance for illnesses that a large percentage of cats develop over time provided
you purchased your insurance policy before he developed any symptoms or gave
any indication that he may end up requiring special care.
All pet insurance plans developed for cats are going to be unique to each pet
insurance company. This means that every owner will have to dig around the internet
to find the exact right plan at the exact right price for their needs and intentions.
Within reason, cat owners can find insurance plans tailored to their needs without
breaking the bank. Of course you’d be hard pressed to find 100% coverage
for all illnesses for $30 per month, but you can find 100% coverage for about
$100 per month.
When digging around online to find the perfect cat health care insurance plan,
you’re bound to notice that some pet insurance companies actually offer
discounted insurance to indoor cats. Obviously, cats kept inside are less likely
to pick up disease or run amok in the world only to find some trouble. These
are an excellent value for the cat owner that keeps Fluffy indoors.
All pet insurance companies require cats to be at least 8 weeks of age prior
to enrolling them in their program, and all kittens should be tested for FIP
before they are awarded any type of pet insurance. Only a handful of policies
will pay for this test. Most require the test to be performed before an application
is filed simply because the test should be performed prior to vaccinations or
any other health care is administered. Most owners with an FIP positive kitten
usually euthanize him, as treatment is expensive, highly traumatic for the little
guy, and rarely successful.
Pet insurance for cats can provide an owner with significant peace of mind and
the knowledge that in the event of a tragedy, life saving care can be administered
even if the checking account is running a little low.
