Cats come in various sizes, colors, and patterns, with each species having its own unique characteristics. Cats can be divided into three types: indoor cats, indoor-outdoor cats, and outdoor cats. Indoor cats are the most common type.
Indoor cats are those who reside in their owners’ homes and spend all of their time inside the household. Indoor-outdoor cats are those who reside in the house but are allowed to prowl the streets. And then there are outdoor cats who live in the wild and have little to no interaction with humans, if any. In the case of an indoor cat, you like your little feline companion and are concerned about their well-being. As a result, you may wonder whether pet insurance for an indoor cat is a worthwhile investment.
The majority of cats in the United States are categorized as indoor cats. There is a lot of controversy about whether or not keeping a cat indoors all of the time is fair, and both sides have legitimate points to make.
With several risks in the outside world, including automobiles, other cats, larger animals, and horrific stories of cruelty by cruel humans, keeping your cat indoors seems like a reasonable choice at this point. Some veterinarians even believe that it can prevent your cat from showing up at the vet’s office with a severe case of stress!
Another advantage of keeping your cat as an indoor cat is that it lowers the cost of your cat insurance. Pet insurance for indoor cats is priced lower than outdoor cat pet insurance because insurers recognize that cats that are not exposed to the threats listed above constitute a reduced insurance risk.
Is it necessary to insure my indoor cat?
While keeping your cat indoors will protect it from the threats described above, it will not be able to prevent all injuries or illnesses from taking place entirely. It should be noted that, while it is less rare for a cat to go missing or to be stolen from within the home, it is not impossible. As a result of these two causes, insurance is still a good idea, particularly for pedigree cats, because some breeding methods of purebred cats can result in genetic diseases in their offspring.
Five reasons necessary for indoor cat insurance
By their very nature, outdoor cats pose a greater danger of injury and accident than indoor cats. Indoor cats, on the other hand, can suffer from significant and expensive cat health care concerns. Listed below are five reasons why your indoor cat requires pet insurance as your outdoor cat does.
- Cats are excellent at concealing signs of illness. By their very nature, cats are more sedentary than dogs, which means that cat owners are less likely to detect any signs that their cats may be presenting. In-home cats, like their outdoor counterparts, can sustain unintentional injuries and suffer from other health concerns.
- Cats that live indoors are nonetheless at risk. They can sustain accidental injuries even when they are inside. Furthermore, staying indoors does not prevent cats from common feline health problems, including cystitis, digestive disturbances, cancer, diabetes, thyroid illness, leukemia, renal failure, heart disease, and other conditions, all of which can be fatal.
- The cost of treating cats is comparable to the cost of treating other animals: Although cats require fewer veterinary visits on average when they do suffer from an illness or injury, the prices of treating them can still run into the hundreds of thousands of dollars.
- Cat insurance is a cost-effective kind of protection, and filing a claim will not affect your insurance price.
- Owners of indoor cats who have veterinary insurance will afford roughly five times the amount of medical care that those who do not have insurance can. Although veterinary medical advancements have provided considerably more treatment options than ever before, the costs of these treatments are often prohibitively expensive. Pet insurance can assist you by covering the costs of your cat’s veterinarian care.
Overall, cat insurance allows pet owners to budget for their cats’ health care. When selecting a pet insurance company, there are several factors to take into consideration.
Indoor cat insurance FAQs
These are some indoor cat insurance facts:
- How old your cat must be to buy cat insurance? Most firms offer insurance for kittens, young cats, and middle-aged cats, as well as for older cats. Not all insurance providers will provide coverage for older cats. Premiums are the most affordable for kittens under one year old; as pets grow older, premiums become more expensive.
- What happens when we go to the veterinarian? At the end of the day, you want to know what occurs when you go to the veterinarian. It is possible to use pet insurance at any registered veterinary facility in the United States, including veterinary emergency and specialty clinics. In most cases, after treatments are finished, you will pay your veterinarian and then submit the claim (along with receipts) to the pet insurance carrier on your behalf. After that, the insurance provider will assess the claim and reimburse you immediately on your behalf.
- Does the insurance company have the right to dictate care? You decide on the diagnostic and treatment strategy that is most appropriate for your particular circumstance. Pet insurance companies do not influence the tests that your veterinarian does, the conditions they treat (unless there is a pre-existing condition), or the therapy your cat receives. That is entirely up to you and your veterinarian.
- What is the method for submitting a claim? Mail, fax, or online submission are all acceptable methods of submitting your claim. Most providers process claims in as little as 24 hours and as long as a couple of weeks on average.
- Do inherited conditions fall within this category? Some insurance policies provide coverage for hereditary or genetic disorders, although not all do. If you worry about a specific situation, you should inquire about it before purchasing coverage.
- What is the most convenient method of obtaining a quote? Obtaining pet insurance quotes is a simple process. It is possible to get a quotation by directly contacting a pet insurance business and browsing their website. Most cat insurance company websites allow you to customize your coverage by selecting the essential elements for you, and they will offer you an instant free quotation. By altering the coverage variables, you can see how the price of your quote will fluctuate. Depending on the provider, discounts are available for several pets, military personnel, paying annually, auto-pay, and other factors.
- When does my pet insurance coverage begin to take effect once I purchase it? Once you have purchased a pet insurance policy, the time period it becomes active is determined by the type of coverage purchased and the insurance company. Many policies will cover wellness and accidents promptly; however, sickness and hereditary issues may require a waiting time of several days/weeks.
- Is wellness coverage a part of my insurance coverage? Wellness care can be included in your pet insurance policy, but it is more typically an add-on service that requires an additional fee to be paid to the provider.
- What do you think is the most beneficial aspect of pet insurance? The most valuable part of pet insurance is that it can assist in paying expenses incurred as a result of unexpected illnesses or injuries. It might be tough to cover the price of veterinary care. Veterinary medicine offers a wide range of advanced treatment options for many medical problems, including cancer and other chronic medical illnesses such as diabetes, thyroid disease, and renal disease.
- Is pet insurance for an indoor cat a good investment? This is dependent on your financial status, your budget, and your desire to provide your cat with the finest available treatment. Never assume that an accident or illness will be predicted ahead of time. Pet insurance is an excellent method to safeguard your finances from unexpectedly expensive medical fees while providing your kitty with the best possible care.
How to Choose the Most Appropriate Pet Insurance for Your Cat
It’s usually a fine idea to look into the reputation of a pet insurance provider. You’ll want to make sure that they’re respectable, that they provide what you’re looking for, and that they have positive client feedback. Following that, you’ll want to think about how much insurance coverage you’ll need. If your pet has a pre-existing condition, find out what is and is not covered by your insurance policy. Depending on how active your kitty is and how prone he or she is to become hurt or wounded, it may be worthwhile to purchase additional insurance protection. Never forget to read the fine print when joining up for a service or to buy a plan. It’s possible that an occurrence you thought maybe covered isn’t. Finally, consult with your veterinarian for guidance on pet insurance options. Depending on your needs, they can provide you with information on how you should approach pet insurance and what specialized plan would be most appropriate for your circumstance.