Cat insurance means your cat is protected from having to pay unexpected vet expenses. But what, precisely, is this thing? And how does it function? Let’s take it to step by step.
Cat insurance protects you against the financial burden of unexpected vet costs. If your cat becomes ill or injured, we always hope that they will recover and return to you (good news: cats usually do). Cat insurance, on the other hand, is there to make sure you do as well.
Consider it similar to cat health insurance: When your cat becomes ill or is involved in an accident, your cat insurance will kick in to assist you in covering the expense of your vet bills because we think that traveling to the ends of the globe for your pet should not be accompanied by financial ruin. With cat insurance coverage, you may be able to receive up to 90 percent of your vet costs reimbursed. Consider how much more catnip you could get with that money.
It operates in the same way as most other types of insurance.
Suppose you are involved in an accident; your auto insurance will cover the cost of repairs. If your home is broken into, your homeowner’s insurance will cover the cost of replacing any stolen property. In addition, if your cat becomes ill or injured, your cat insurance will cover up to 90 percent of the veterinary expenses. That is all there is to it.
The following is an explanation of how cat insurance works:
Pay a visit to any veterinarian
(Yes, even the vet you already see.) You can take your cat to any licensed veterinarian in the United States or Canada after a 15-day waiting period. We even provide coverage for urgent care centers and experts.
Fill out a claim form
You will pay the veterinarian’s charge and then file a reimbursement claim. You just have to take a picture of your paid receipt and submit it to our simple to use mobile application.
Get your money back
Once your insurance claim has been accepted, you may expect to get as much as 90 percent of your vet cost back in your bank account as soon as possible.
You check a few points to ensure that your plan fulfills your cat’s demands while staying within your budget.
Maximum annual benefit
You determine the maximum amount that can be refunded to you each policy year. The lower you set it, the less you’ll have to pay each month in interest.
If you expect to make many vet visits, you might want to consider setting a smaller deductible so that your insurance will kick in more quickly when you need it. However, keep in mind that higher monthly premiums are associated with lower-deductible plans.
You may also pick how you want to get reimbursed (the percentage you get paid back for each covered vet visit). The monthly premium increases in direct proportion to the pay-back percentage.
- Most cat insurance plan covers:
- Diagnostic tests
- Injuries & illnesses
- Veterinary exam fees
- Emergency & specialist vets
- Holistic care
- Breed-specific conditions
- Surgery & rehabilitation
- Virtual vet visits
- Chiropractic care
- Comprehensive dental
- Behavioral therapy
- Cancer treatment
In most cases, the earlier you register, the better.
The majority of people believe that you only need to cover elderly dogs. However, the younger your cat is, the more benefits you may expect from cat insurance. If you get insurance for your cat when he or she is a kitten, there will be fewer pre-existing problems, increasing the likelihood that you will be covered if something happens in the future. In the event that your kitten is enrolled at nine weeks old and develops allergies at twelve weeks, we will pay the cost of the allergy medication.
In addition, cats of any age are susceptible to mishaps. In fact, according to our 15+ years of claims data, a pet parent receives a vet bill for more than $1,000 every six seconds – indicating that things do happen.
Additionally, we should point you that there is a 15-day waiting time for cat insurance. Because we are now closed, we will not be able to assist anyone who is considering joining up because they are currently at the veterinarian. However, if you join, we will continue to be available to you and your animal buddy in the future.
Fact: Cat insurance is a no-brainer if you like your cat (as you do), and it is quite affordable.