Is there any best pet insurance for cats? I am considering the adoption of a 6 week kitten and a 2 year cat.?

6 Comments

1. tåkë cárê õf mÿ cât says:

   June 20, 2010 at 2:42 pm

   I know it is very confusing when shopping for pet insurance. There are too many information out there and cause a case of information overload.

   No pet insurance are the same and you need to find one that tailors to your cat’s need. You have to be careful when choosing because some insurance company place a low cap on their reimbursement even though you are paying for higher premiums. Some will have low deductibles but will not cover much illness or low coverage for accidents and diagnosis. Many insurance companies will not cover pre existing conditions.

   I cannot recommend one that stood out from the rest because what my cat needs might be different from what you need.

   However, there is a site with a lot of good and useful reviews on the insurance available that you can look into.

   http://www.petinsurancereview.com/
   http://www.pet-insurance-info.com

   Some guidelines:-

   How old is your pet? The best time to purchase a pet health insurance policy is when your pet is young. Most pet health problems happen in the last two years of your pet’s life. So, the younger your pet is, the better

   Is your breed prone to medical problems? While policy premiums are generally not based on breed, certain hereditary conditions are excluded.

   For instance, Persian cats are prone to polycystic kidney disease (PKD). You can still buy pet insurance for your Persian; just don’t be surprised if it fails to cover related issues (some pet insurance policies may cover this, so check with your provider to make sure before you buy).

   Is your pet already sick? Most pet insurance providers won’t cover pre-existing conditions. However, if you can prove your pet had a condition that has been cured, that may be covered.

   Can you choose your own veterinarian? For many pet owners, vet choice is key, and for good reason. Some pet insurance companies require you to use veterinarians on their own network. Others don’t. As always, check with your provider regarding your choice of veterinarian.

   What is your pet’s lifestyle? If your dog or cat spends most of his time outdoors, that will increase his/her risk of illness or injury.

   What is covered? Many pet owners purchase pet health insurance policies to protect themselves from the high cost of future medical problems. Others want regular pet care such as annual physical exams and routine checkups and cleanings.

   Just be advised that most standard pet insurance policies cover catastrophic accidents and illnesses. Routine vet visits tend to come as add-ons and/or riders.

   What State do you Live In? If you are searching on the internet for pet health insurance, you need to check this. Just because a provider does business online doesn’t mean it services your state.

   Check The Insurance Company’s Track Record

   Every state in the U.S. has an insurance commissioner. If the insurance company you are considering has had legal/ethical issues that should cause you concern, the insurance commissioner’s office in your state or province should know about it. Check with them before you buy.
2. Sarah says:

   June 20, 2010 at 2:42 pm

   I would not recommend getting pet insurance. On average, it costs a lot more to have insurance than the actual cost of taking your cats to the vet for vaccines or when they get sick. And if something major happens, and your pet needs surgery, fluids, overnight stays, etc. there is a program called carecredit that most vets accept and you pay monthly payments (and depending on the amount and how much you pay a month spme of their plans don’t charge you interest). That way you know that if something bad happens you will be able to pay for vet care without going broke, but at the same time you aren’t paying for insurance every single month, no matter how often you go to the vet (especially if your cats are indoors).
3. Very General says:

   June 20, 2010 at 2:42 pm

   Find one that covers routine exams and vaccinations.
4. Laurie says:

   June 20, 2010 at 2:42 pm

   There are several. Look on the web and enter Pet Insurance. Purina recently came out with one that looks pretty good.
5. Stacy K says:

   June 20, 2010 at 2:42 pm

   Insurance is available for cats, and I think it’s a great idea if you’re considering younger cats. Since they have many years ahead of them, that leaves bigger possibility of some accident happening in their life that would lead to an expensive bill.

   There are lots of great companies out there, I would suggest to start with petinsurancereview.com as it’s a third party site with ratings from actual customers for each company.

   I would highly suggest skipping on the "routine care" coverage for check-ups and shots as paying through the middle-man insurance company just costs more than paying directly to the vet for this type of care. The insurance companies that offer it charge you more so that they will make a profit or else it would be pointless for them to offer it.

   I like Trupanion for pet insurance. My dog is insured through them and I’m happy with the service. The rates are low and you can essentially set your price by picking your deductible. They cover 90% and they don’t have claim limits (so many companies will limit you to like $1000 per claim, so if you get a bill for $8000 then what good is that insurance??).

   Definitely check around to find what sounds best for your needs!
6. Cat Illnesses says:

   January 27, 2011 at 6:45 pm

   Now what do we feed our cats? Here is a subject that has so many pros and cons I could fill up 10 to 15 pages and still not come to a convincing conclusion. It boils down to commercial processed food versus natural foods plus the question do we feed our pets vitamins and supplements, too.