Before purchasing cat insurance, it's important to understand its cost and exclusions. You should also know what plans offer coverage for illnesses and accidents. Comprehensive coverage for cats can be costly, so it's important to choose the best plan for your needs. Accident-only policies can be affordable and provide additional benefits such as lower deductibles.
Cat insurance costs
Insurance for cats can make vet visits more affordable. It may help cover routine checkups, and reduce the cost of co-payments for common procedures. You need to compare rates and plans to get the best coverage. Pre-existing conditions can make it more costly to insure cats.
Pet insurance policies generally cover up to 90% of vet bills. They may also include deductibles depending on which plan you choose. Typically, these are around $200.
Exclusions
Cat insurance coverage is a way to protect your cat against unexpected illnesses and accidents. The policy is usually available to cats eight weeks old and older. However, it also covers cats up to nine years old. The policy will describe the type of medical expenses it will pay, as well as the exclusions or items that are not covered. It won't cover preexisting conditions. This refers to injuries or illnesses that existed before the policy was started.
Some policies do not cover elective procedures like flea and/or worm treatments. Some policies will not cover treatments for pre-existing conditions, such as dental problems, and other conditions. It is important that you disclose any pre-existing conditions to your insurance company when you purchase a policy.
Cost of comprehensive pet coverage
Pet insurance is expensive. Your policy may vary depending on where your pet is located. In cities, pet insurance is often more expensive than in rural areas, and you may also pay more for advanced treatments and services. Comprehensive pet insurance can be a valuable financial tool, if you're prepared to bear the higher cost.
There are many factors that will determine how much coverage you need, such as the type of pet and gender, age, breed, zip code, and other factors. Monthly premiums will rise if the pet's limit is higher than the monthly coverage. Also, the reimbursement percentage varies. Other companies may only pay 60% of the vet bills. Others will pay up to 90%.
Cost of a wellness program
It's crucial to choose a plan that is right for your cat and you when it comes to wellness insurance for cats. These plans cover everything, from dental care to parasite removal. Many plans have a cap on how much you can claim each year. Most plans offer a maximum of $200-300 for basic plans, but more expensive plans can have a limit as high as $500.
The best wellness plans typically cost $26 a month and provide an annual benefit of $535. The average owner can save $223 on covered items by putting the cost of wellness plans into their budget. Keep in mind that not all plans cover the same number of vaccines per year. For example, the best plan for wellness covers up to $15 per year for a rabies shot.