Pet insurance can cover your pet's health care costs, particularly if they suffer from certain conditions. Pet insurance is a complicated process. Make sure to take your time when selecting the policy that best suits your needs.
You'll have to pay a monthly premium based on your coverage, the weight of your pet, and where you reside. Get quotes from different companies to find out what you will be paying.
Figo has one of the lowest premiums we've seen for cat insurance, and it's a good choice for those on a budget. The company offers options for a low deductible as well as co-payments, which will reduce your out-ofpocket expenses.
Figo also has a very competitive waiting period. You have to be patient for up to a full year before you can make a claim.
Accident-Only Plan
A plan that only covers accidents (like lacerations, broken limbs, and torn tendons) is less expensive. This plan covers exam fees and diagnostics.
The Complete Coverage plan
For a slightly more expensive monthly premium, you can get complete coverage that includes all of the benefits in an accident-only plan plus illness insurance. This provides reimbursement for cancer, arthritis, heart disease, UTIs, and other common conditions.
ASPCA: This nonprofit pet insurance provider offers affordable premiums, flexible policy terms and no age limit on hereditary and congenital conditions. It also has one of the best pet insurance networks, allowing you to get your cat care when they are in need.
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 does not cover any non-emergency care for long-term illnesses. This is a big drawback for many families, as these can be the most expensive types of treatments and can lead to a large out-of-pocket cost.
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.
The following benefits are also available:
This pet insurance provider also offers coverage for wellness and preventive health care. 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. This provider also offers a $3,000 emergency savings account for if your pet is injured or sick.