Cat Health Insurance

Cat health is the responsibility of the cat owner. When a pet needs veterinary care, the bills for the veterinarian can be costly. Some pet owners neglect their pet’s health due to financial constraints. In some municipalities, neglect of pet health care when a need is evident is a crime. Not only does an ill pet put the pet owner at risk of legal action, it causes undue pain and suffering for the animal.

Just as family members occasionally require a doctor’s care, cats need checkups and services of a veterinarian. Annually, over one third of pet cats suffer an accident or illness that requires veterinary care. Cat health insurance is a way that a cat owner can ensure that they will have the financial resources to care for their cat in case of illness or injury. Cat health insurance is provided by insurance companies that specialize in pet health insurance.

Many pet insurance policies pay for wellness exams and recommended vaccinations. Having a cat insurance policy gives the cat owner peace of mind that if the family cat experiences a major illness, the veterinary bills will be covered or partially covered. Some cat health problems, such as cancer, can create veterinary bills that can be close to three thousand U.S. dollars or more.

For a small monthly premium, often less than the cost of a pizza, the majority of veterinary expenses can be covered. For indoor cats, one PetCare cat insurance policy pays 100% of illness veterinary costs up to twenty-five hundred U.S. dollars and veterinary costs from accidents after a fifty dollar deductable. The monthly premium for such coverage is $11.95. They also have a special program for senior cats.

When selecting a cat health insurance policy, there are a few things to consider. Purebred pets often have more health problems that are specific to their breed. If your cat is at risk for such illnesses, make sure the cat insurance policy covers that illness. Kittens need vaccines and may be more prone to accidents, so an insurance policy for kittens should reflect those needs. Outdoor cats are also more susceptible to accidents and also contagious disease from other outdoor cats. Though a cat insurance policy for indoor cats may be cheaper, if a cat spends time outdoors, it may need more coverage than the typical indoor cat.