Pet insurance is a great way to cover the medical costs for your pet. This is especially true if you have a pet with certain health issues. You should be patient when choosing the right pet insurance policy.
How much you pay for monthly premiums will depend on what type of insurance you choose, how heavy your pet is, and where it's located. You can find out how much you'll be paying by getting quotes from several companies.
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 also offers a low deductible and co-payment options that will lower your out-of-pocket costs.
Figo also has a very competitive waiting period. For injuries, you'll need to wait a day and for pre-existing conditions up to 12 months.
Accident-Only Plan
A plan that only covers accidents (like lacerations, broken limbs, and torn tendons) is less expensive. This plan includes exam fees, diagnostics and reimbursement of vet bills.
Get Complete Coverage
For a slightly higher monthly premium you can get a comprehensive plan that includes all the benefits from an accident only plan, plus illness insurance. It covers cancer, arthritis and heart disease as well as UTIs.
ASPCA – This nonprofit organization offers affordable pet insurance premiums with flexible policy terms. They also do not place an age restriction on conditions that are hereditary or congenital. This pet insurance company also has the best veterinarian network out of all the providers. You can give your cat the help it needs, when it is needed.
Healthy Paws: This highly rated cat insurance provider specializes in offering pet owners a comprehensive package covering all major health issues that your cat may develop. These include chronic illnesses, emergency care and genetic and hereditary diseases, as well as alternative medicine.
The only downside to this policy is that it doesn't cover non-emergency treatment for long-term conditions. It is a significant drawback to many families because these types of treatment can be very expensive.
Trupanion Trupanion offers comprehensive coverage and high-quality service for your pet, unlike other insurers. Its veterinarians submit claims directly to the insurer, so you don't have to worry about sending them to a third-party. It does not have any annual maximums, and it reimburses you based only on the actual veterinary costs in your region.
Additional Benefits
It also covers wellness and pre-emptive care for your cat. This includes dental cleanings and vaccines as well as spaying and neutering. It also includes behavioral therapy coverage for up to $500 per year.
Pawp: It has a digital healthcare center that is innovative and helps you to manage the health of your pets. There are also a team veterinarians on hand for any emergency. This provider also offers a $3,000 emergency savings account for if your pet is injured or sick.