Pet insurance can help you cover the cost of your pet's medical care, especially if they have certain health conditions. Buying pet insurance can be a confusing process, and you should take your time to make sure you choose the best policy for your needs.
The amount you'll pay in monthly premiums depends on the type of coverage you get, how much your pet weighs, and where you live. Get quotes from different companies to find out what you will be paying.
Figo is one of our favorite cat insurance companies. The company also offers a low deductible and co-payment options that will lower your out-of-pocket costs.
In addition, Figo has competitive waiting periods for accidents and illnesses. You will have to wait up to one year to file a claim if you already had a pre-existing illness.
Accident-Only Plan
A cheaper option, an accident-only plan covers vet bills for sudden accidents like lacerations, broken bones and torn ligaments. The plan reimburses for diagnostics, exam fees, and other costs.
Complete Coverage Plan
With a monthly premium that is slightly higher, you can have a full coverage plan which includes both accident insurance and illness insurance. This provides reimbursement for cancer, arthritis, heart disease, UTIs, and other common conditions.
ASPCA - This nonprofit offers pet insurance with affordable premiums and flexible terms. It also does not have an age limit for hereditary or congenital conditions. They also have the best veterinary network of any pet insurance provider, which means you can get your cat the care they need when they need it.
Healthy Paws - This top-rated company offers comprehensive cat insurance that covers all the major diseases and health problems your cat could develop. It also includes emergency care, genetic conditions and hereditary disorders, and alternative medicine.
This policy has one downside: it does not cover long-term non-emergency treatments. This can be a major drawback for families as these treatments can be expensive and lead to large out-of pocket costs.
Trupanion : Trupanion, unlike many other pet insurers is dedicated to providing comprehensive and quality coverage for you pet. Its veterinarians submit claims directly to the insurer, so you don't have to worry about sending them to a third-party. It has no maximum annual amount and reimbursements will be based upon the local rates of veterinary services, not on averages.
There are other benefits:
A cat's wellness and prevention care is covered by this company. The coverage includes sterilization, dental cleanings and vaccinations. It also includes behavioral therapy coverage for up to $500 per year.
Pawp: This provider has an innovative digital health center that helps you manage your pet's health, and it has a dedicated team of veterinarians to help you with emergencies. It has a $3,000 Savings Account that you can access in the event your pet gets hurt or ill.