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Everyone knows how expensive veterinarian bills can be. Cat pet health insurance policies can help defray some of that cost. When considering a policy check the following:1. Does your veterinarian except the policy from the company you are considering.
2. Can you choose your own veterinarian.
3. What is the monthly cost?
4. What are the deductibles?
5. Is well care covered - eg; vaccinations and checkups.
Cat Health Insurance Cost
Fees start at approximately $20 per month for basic insurance that does not cover well care (checkups).Costs are calculated based on where you live (vet bills are higher in some metropolitan areas), your cat's age and breed.
You pay a monthly fee, and you may have a deductible before your insurance policy kicks in. Most cat pet insurance policies typically pay a percentage of the total vet bills, usually 80%. You are responsible for the remaining 20%.
How to Compare Policies
When comparing cat pet health insurance policies look for the following:1. Monthly premium
2. Deductibles (the portion you pay if your cat gets sick)
3. Basic Coverage for Illness
4. Maximum Payment (if any)
5. Monthly Maintenance Fees (if any)
4. Well care coverage (checkups, vaccinations, spaying, neutering, dental)
5. Ability to choose any veterinarian
Many plans offer discounts for multiple pets.
Most cat pet health insurance policies exclude dental care, with the exception of dental care resulting from an accident or emergency. This is similar to medical insurance plans people typically have.
Pre-existing conditions are usually not covered. Certain things such as pregnancy/breeding and burial/cremation may or may not be covered. It’s important to read the policy carefully before purchasing to make sure you understand what is and is not covered.
Before You Buy Cat Health Insurance
Be sure to get quotes from more than one company and to check their websites to compare plan features:
Pets Best -
Pets Best is another popular choice from a leading insurance company that is over 25 years old. This company was founded by a veterinarian who wanted to help owners pay for the care of their pets.
QuickCare Pet Insurance
- is another popular choice. Compare with Pets Best and then select your best price and plan.
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