Should you get pet insurance for your cat?
Responsible cat guardianship includes ensuring regular health care for your cat throughout his life. All cats should have annual wellness exams, and older cats should see the veterinarian twice a year. Costs for routine exams vary; depending on what part of the country you’re in, they will range anywhere from $45 to $150 (exam only). And that’s only for well cat care. Illnesses and accidents can quickly increase these costs. The average cost for a visit to an emergency vet can easily run between $1000 and $2000, depending on the severity of the problem.
Additionally, advances in veterinary medicine make it possible to treat medical conditions in pets that would have been a death sentence a decade ago. From chemotherapy to kidney transplants, pets can now receive almost the same level of medical care as humans. Of course, all of these treatments come with a price tag.
As a result, pet insurance has become increasingly popular over the past decade. There are several companies offering a variety of plans, and deciding whether pet insurance is right for you, and choosing the right plan, can be overwhelming.
Could you afford an unexpected $1000 or $2000 for a medical emergency, or even more for a chronic serious illness? If your answer is no, pet insurance may be a viable option for you.
With more and more companies offering pet insurance, how do you pick the right one?
The following questions can help you choose a pet insurance provider:
- Is the company licensed in your state?
- Does the company have a good reputation? How long have they been around?
- Is the policy information easy to understand?
- Does the company offer customer service during business hours?
- Can you see any veterinarian you want?
- How much have premiums increased over the last few years?
- Will premiums increase as your pet gets older?
- What is covered and what is excluded from coverage?
- What is the company’s policy on pre-existing conditions?
- Does the company cover benefits for wellness visits and preventive care?
- Does the company cover holistic care?
- Is there a waiting period before coverage becomes active?
- Is there a maximum age for enrolling your cat?
- Are there reimbursement limits per case, per year, per lifetime?
- Is a physical exam required prior to enrollment?
CatChannel.com recently published a helpful comparison chart for plans offered by some of the major pet insurance companies in the United States.
Do you have pet insurance for you cats? If you do, are you glad that you have it?