Cat Health Insurance

A-Z of Cat Health and First Aid: A Holistic Veterinary Guide for Owners
 

The American Animal Hospital Association Encyclopedia of Cat Health and Care

Cat Owner's Home Veterinary Handbook

Natural Cat Care: Alternative Therapies for Cat Health and Vitality

Whole Health for Happy Cats: A Guide to Keeping Your Cat Naturally Healthy, Happy, and Well-Fed (Quarry Book)

Cat Health Encyclopedia

When you begin to look for a pet health insurance plan, be sure you look at all of the fine print before you purchase any product. If you have a rescued moggy, or a gift cat, you may have a hard time trying to justify spending what can amount to a lot of money to insure your cat's health. On the other hand, if you spent hundreds of dollars on a pure breed cat, the investment might seem easier to justify. But remember, it isn't about the value of your cat, it's about the worth of your cat!

Things to Consider

• Is your cat an indoor, or outdoor cat? Indoor cats don't generally need coverage for things such as accidents so be sure you understand what "accident insurance" means for a cat, but they might need "high rise syndrome" cat health insurance, if they fall out of a high rise building
• does the insurance cover hereditary illnesses, or breed-specific health problems? For example, Persians may have respiratory and eye problems that other breeds don't have: make sure your insurance policy will cover it
• Does your policy cover pre-existing conditions? Probably not. Make sure you understand what "pre-existing" really means: does it mean the illness is likely to have existed (and who makes that decision), or does it mean diagnosed by a vet?
• Will your plan cover routine vaccinations and medical visits? For the first 10 years of your cat's life, he may be healthy and the only costs you'll incur are standard vet bills
• Will your cat health insurance cover him as he gets older? Cats over the age of 8 begin to require more tests as part of a routine visit, including bloodwork and chemical tests
• Can you switch plans easily? If your outdoor cat becomes an indoor cat when you move from the country to the city, how portable and useful is your plan? 
• If you've made one claim, do your rates go up? If you aren't sure, ask! And if you make a claim on one plan, does that prevent you from switching plans?
• Is there a discount cat health insurance offer for multi-cat households?
• Will they offer a discount if your cat has a microchip? 
• Is there a minimum deductible for any claim? For example, does your pet insurance provider pay only after the first $200 for routine vet visits? If so, ask yourself how often you spend $200 per visit!
• Get serious about pet health care and find out about the company offering the product: how long have they been in business? How many plan subscribers do they have? Do they offer cat health insurance, or a general pet health insurance? The differences between dog health insurance and cat health insurance can be big!

Cat insurance rates will cost you $10 a month as a minimum. Over the lifetime of a cat, health insurance could cost you $1200. Compare that to a few trips to a vet, and you will see how practical cat health insurance can be.

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Cat Health Insurance

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