How much is pet insurance for a cat?

How Much Is Pet Insurance for Cats?

Insurance for cats is less expensive than dogs but prices may vary depending on the age and breed of your furry friend. The cost of cat insurance also depends on the coverage plan you choose and your location. So, these certain factors which you can’t change determine the cost of your cat insurance.
Although the cost of pet insurance for a cat depends on various factors, most monthly cat insurance premiums start at $10 for accident-only coverage and the average price is between $22-$46 per month for plans covering accident and illness both.

What Does Cat Insurance Covers?

So, you are curious about what are you getting for your premium of cat insurance? If your cat gets an illness, accident, congenital or hereditary conditions, chronic diseases, or cancer; a standard pet insurance policy covers the costs of

  • Diagnostics:
    X-ray, Ultrasound, CT scan, MRI, Blood tests, Laboratory Work.

  • Procedures:
    Hospitalization, Surgery, Emergency and specialty care, Outpatient, Alternative treatment.

  • Medications:
    Prescription medicines and injections etc.

So, a basic policy will cover a lot of health-related expenses for your pet, but not everything. Therefore, they offer additional packages like wellness and preventative package.

What the cat insurance doesn’t cover?

Your pet insurance would not cover:

  • Pre-existing conditions

  • Preventative care

  • Annual check-ups

  • Vaccinations

  • Teeth cleaning unless the injury is caused by accident.

  • Some other things that are not related to accidents or injuries like spaying/neutering, obedience training, grooming, or giving your cat a beautiful haircut.

What is a pre-existing condition?
A pre-existing condition means any condition that showed signs and symptoms in your cat before your cat’s policy was active including waiting periods. Majority of insurance companies do not cover pre-existing conditions.

Other Cat Insurance Extensions:

Cat insurance is not just limited to vet bills. Your cat’s coverage might also extend to cover:

  • Liability Cover: This covers legal liabilities if your cat causes damage to another person or his property.

  • Cancellation Cover: If you have any loss due to the cancellation of a holiday because your cat is ill then you might be covered.

  • Theft Cover: You might also be covered if your cat is lost or stolen.

  • Boarding Fees: If you are unable to go to the hospital through no fault of your own; policy might meet the cost of boarding your cat.

  • Death: If your cat is killed in an accident, the Insurance company might pay a cash sum.

Why You Need Cat Insurance:

when you own a cat, you are responsible to take care of it throughout its life-in illness as well as in health. And as you know veterinary costs are getting higher day by day. But if you have cat insurance, it will give you peace of mind by knowing that if your cat falls sick or injured, the costs of treatments will be covered.
But as will all forms of insurances, there are many policies on offer which have great differences in coverages they provide and of course costs of these policies.

Annual or Lifetime:
Whenever you buy an insurance policy, it is an early decision whether to buy a lifetime or annual coverage plan.
Annual policy as the name shows remains for 12 months. Your cat will be protected for 12 months and you will be reimbursed for veterinary costs you incur during this period. After this, either you buy a new policy or pay yourself.
Therefore, some insurance companies offer lifetime coverages. Although it costs high; you have no limit to claim for reimbursement. So, lifetime coverage is better than annual.

Frequently Asked Questions

Is Pet Insurance for a Cat Worth it?
If you have a cat with a costly illness like cancer to treat then pet insurance may pay out more than it costs you. If you have not any policy for your cat then it might be a great burden for you to bear the expenses of your cat’s treatments. But it might be a peace of mind to know that your vet bills will be reimbursed.

What Is Best Pet Insurance for Cat?
Pet insurance policies from PETPLAN, ANIMAL FRIENDS, HEALTHY PAWS, TRUPANION, and EMBRACE pet insurance are some best policies for cats.

When Should I Get Cat Insurance?
When you get your cat home, you should get an insurance plan for it. But if you don’t get it, then the best time for buying is before summer or winter. That’s when your pets are exposed to the most danger of accidents and illnesses.

How do I Choose Pet Insurance?
Here are some tips:

  • Compare quotes from different companies.

  • Check out the track record of the insurance company.

  • Research what is covered and what is not.

  • Select a plan that works for your pet.

  • Select reimbursement, review costs, and enroll your healthy pets.

  • Ask for discounts.

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