Do you need to purchase health insurance for your cat? There are many questions that should be asked before purchasing feline health insurance.
Maintaining a cat’s health is important and every cat caretaker does all they can to ensure their feline receives proper nutrition and enough activities to help their fur baby maintain a healthy weight. You take your cat to the veterinarian for rabies and other vaccinations as well as yearly check-ups.
Despite your best efforts medical emergencies do arise and you could take a huge hit financially if the cat needs blood tests, surgery or medication. That’s where pet health insurance can help. But before a policy is purchased ensure it will meet your needs.
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The first thing you need to ask is what is the cost of the insurance premiums? Is it more cost effective to save money monthly in a back account rather than carry cat health insurance? What is the deductible and how much does the insurance pay after that has been met and/or there co-pays?
The most important thing to review when considering purchasing cat health insurance is in regards to pre-existing conditions and exclusions. If your cat has been diagnosed with diabetes, hyperthyroidism, cardiomyopathy or some other illness anything necessary to manage that health issue may not be covered by insurance.
In addition, there may be exclusions in the health insurance policy. Because some breeds of cats are pre-disposed to certain hereditary health problems the insurance can deny payment on medications, surgery and other treatments for that condition.
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For instance, Himalayan cats have a hereditary pre-disposition for feline polycystic kidney disease. Even if you have certified paperwork from the breeder that your Himalayan comes from a PKD-free line the health insurance can deny payment for treatment, office visits and medications necessary to maintain the health of the cat.
Other exclusions to a cat health insurance policy could be: flea control, heartworm control, neutering/spaying, vaccinations or limitations for certain illnesses of cats not spayed or neutered before their first birthday.
Do your homework before you jump into purchasing cat health insurance. Read the fine print, ask questions. You should not feel pressured into buying health insurance right after an emotional health crisis with your fur baby.
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Wow, I had no idea cat insurance was a thing. Sounds like something all cat owners should look into.
I don’t have cats, but I have two dogs so I recognize the value of pet insurance. Both of our dogs have it.
This is great information. Pet insurance of any kind is best purchased when your dog or cat is as young as possible, so there are fewer reasons for you to be charged a higher premium and for the company to cover less. Good stuff to think about here.
Wow, I had no idea cat insurance was a thing. Sounds like something all cat owners should look into.
I don’t have cats, but I have two dogs so I recognize the value of pet insurance. Both of our dogs have it.
Since I owned a dog, I thought it would be pretty similar but their are some differences specifically with thinking for cats. One simple rule is, if you love them so much you’d take it.
This is great information. Pet insurance of any kind is best purchased when your dog or cat is as young as possible, so there are fewer reasons for you to be charged a higher premium and for the company to cover less. Good stuff to think about here.
We have been thinking about getting health insurance for our cats. This is very informative, thanks.
I didn’t know there was cat insurance. I may need to look into this for my two.
Since I owned a dog, I thought it would be pretty similar but their are some differences specifically with thinking for cats. One simple rule is, if you love them so much you’d take it.
Thank you so much for posting this! I think if more people are educated about the medical needs of their pets they will be that much more prepared to take care of them and plan for any types of medical issues down the road!
We have been thinking about getting health insurance for our cats. This is very informative, thanks.
I didn’t know there was cat insurance. I may need to look into this for my two.
This post is very informative. Pet health is just as important as our own.
I had no idea that cat insurance was a thing! I think that insurance is something that even your pets deserve!
Thank you so much for posting this! I think if more people are educated about the medical needs of their pets they will be that much more prepared to take care of them and plan for any types of medical issues down the road!
This post is very informative. Pet health is just as important as our own.
I had no idea that cat insurance was a thing! I think that insurance is something that even your pets deserve!
I never thought about getting an insurance for any of my pets but now that you think about it, it’s a pretty good idea. I think it’s important that we get them an insurance in case something happens. It will definitely help a lot.
I never thought about getting an insurance for any of my pets but now that you think about it, it’s a pretty good idea. I think it’s important that we get them an insurance in case something happens. It will definitely help a lot.
We do not have cats, but we do have dogs that are getting pretty up there in age. I am so grateful for the insurance we have on them especially when one has to be on meds.
We do not have cats, but we do have dogs that are getting pretty up there in age. I am so grateful for the insurance we have on them especially when one has to be on meds.
I didn’t even know cat insurance existed! This is some good info that I didn’t even know I needed!
I didn’t even know cat insurance existed! This is some good info that I didn’t even know I needed!
[…] You Might Also Like —> Cat Health Insurance: What Questions Should You Ask? […]
[…] You Might Also Like —> Cat Health Insurance: What Questions Should You Ask? […]
This is right on time. I got a new kitten last month and need to figure out pet insurance.
This is right on time. I got a new kitten last month and need to figure out pet insurance.
I don’t have cats , These are really an informative post. Glad that you share this with us
I don’t have cats , These are really an informative post. Glad that you share this with us
[…] Cat Health Insurance: What Questions Should You Ask? | Cats and Meows […]
[…] Cat Health Insurance: What Questions Should You Ask? | Cats and Meows […]
[…] Exquisite Abyssinian cats can range from $500 on up. Their beauty and regalness is incomparable, but they are predisposed to a few costly health issues. Abyssinians have a hereditary condition that makes them vulnerable to pyruvate kinase deficiency, resulting in chronic fatigue and anemia. Treatments can run upwards of $1,400, and because of this pet insurance is also expensive. […]
[…] Exquisite Abyssinian cats can range from $500 on up. Their beauty and regalness is incomparable, but they are predisposed to a few costly health issues. Abyssinians have a hereditary condition that makes them vulnerable to pyruvate kinase deficiency, resulting in chronic fatigue and anemia. Treatments can run upwards of $1,400, and because of this pet insurance is also expensive. […]