Choosing Pet Insurance

With all the pet insurance options available, choosing the right one for you and your cat can be daunting. Below are some pointers to help you make the right decision.

  • It’s important to remember that while pet insurance policies are similar to human insurance policies in terms of deductibles, co-pays, exemptions, premiums and caps, the claim process is different. Pet insurance does not cover costs up front and you will be required to submit a claim to the insurance after making payments.
  • Many pet insurance policies have breed specific exclusions and exclusions for pre-existing conditions. For some breeds or pre-existing conditions, insurance may not be an option. In others, it may mean a higher monthly payment. It is important to check with the insurance provider to make sure your cat's needs are covered!
  • Know what type of plan you’re looking for. Some insurance policies cover basic care, other emergency services, while others offer a combination of broader coverage.
  • Compare plans from several different providers based on actual and probable coverage needs. Note coverage costs, deductibles, coverage after deductible, exemptions, and maximum coverage.
  • Ask for recommendations from friends and other trusted pet owners who have experience with pet insurance.
  • Once you’ve found plans that will work for you, call the company and speak with a representative. Your first communication with them will be a good indicator of what future communication with them will be like.
  • Once you’ve chosen a policy, know what it covers. Having pet insurance can help ease your mind and take the financial strain off vet visits, but not if you’re not covered.

Being prepared for the financial costs of a pet is one of the keys to being a responsible pet owner. Providing your cat with insurance is one of many ways you can be prepared - as long as you do a little bit of research.