Ever since ancient times, as much as 4,000 years ago, cats have been very much admired and even worshiped. Ancient Egyptians used to mummify their beloved furry friends together with their toys. It is no wonder that they are so dear to us, since cats have a proven positive effect on their human parent’s health, both mentally, physically and even spiritually. And since they are so loved, we naturally want to offer them the best possible care when needed. That’s why we carefully chose three of the best cat insurance companies to offer the purrfect backup if things go wrong.
Emergency vet care can be emotionally and financially challenging for pet parents. Luckily, pet insurance providers like Healthy Paws help ease this burden by covering any accidents or new illnesses that your furry companion may come to endure.
Prices for pet insurance vary depending on whether you’re insuring a cat or a dog, your pet’s age, and your selected reimbursement and deductible options. With some providers, coverage can also differ based on your plan and add-ons.
With reasonable policy prices and occasional discounts available via the friend referral program and seasonal promotions, Healthy Paws is certainly an all-rounder.
There’s nothing worse than getting an expensive bill you weren’t expecting. Pet owners often struggle with this, but pet insurance services like exist to make their lives easier. This provider offers diverse services at reasonable prices, presenting its insurance plans in a transparent and easy-to-understand way.
Embrace Pet Insurance has something for everyone, covering illnesses, conditions, accidents, injuries, and even dental diseases. With prices starting at $13.32 per month for dogs and 11.60 for cats, it makes sure insurance remains accessible.
Lemonade‘s main goal is to simplify the experience of getting insurance, from pets to housing and cars. Offering a unique blend of reliability and clarity, Lemonade includes coverage of diagnostics, procedures, and medication in cases of unexpected accidents and illnesses.
Prices start at $10 per month. However, the final price is determined by the pet’s age, breed, and location. It’s also possible to get a feel of what Lemonade looks like by going through its quote flow.
Here are some tips on choosing the most appropriate insurance for your cat.
When choosing an insurance provider for your cat, it is very important that you thoroughly research different pet insurance companies. Find out how long they have been in business for, read independent reviews and comparisons, and find customer opinions on each provider. Researching any discounts that the insurance firm might offer could also be a decisive factor.
It is extremely important to understand what is covered by a particular policy to avoid your feline getting seriously ill and only then finding out that, even though they are insured, the provider won’t reimburse you for the veterinary care costs.
It is advisable to enroll in a policy that covers congenital, chronic, and hereditary diseases, including those conditions related to certain breeds or cancer since cats are predisposed to developing these types of illnesses and they can be extremely expensive to treat.
In case you have any misunderstandings about the coverage, don’t hesitate to contact the company’s customer care and make sure to get clear answers on all of your questions.
Finally, it is important to choose a pet insurance plan that fits your financial needs. This means that you should be able to afford to pay the deductible together with your the percentage of the vet invoice that is not covered by the provider.
It’s also important to think about your cat’s needs. When doing this, think about your pet’s age, any preexisting conditions, if he or she is likely to develop certain breed-related diseases, and their existing medical records. You should also consider whether they are indoor pets or have regular access to the outside where it is more likely for them to get injured, and so on.
In simple terms, cat insurance works pretty much like any human medical insurance. It is meant to help the owner pay most of the healthcare costs should the cat develop an unexpected injury or illness.
Sometimes the terms described by pet insurance contract might sound complicated and confusing. Remember, if there is something that you do not understand, then you can ask questions of the company and make sure you receive clear answers before signing on the dotted line.
It is recommended to get different quotes for your cat’s insurance from different providers and compare them with the requirements of both yourself and your furry child’s requirements. Try putting them into a table to easily visualize the pros and cons of each, as follows:
Firstly, you have to enroll your cat. This can be done quickly over on the provider’s website, though some firms require the pet’s full medical records prior to the first claim.
It is important to double check the policy’s coverage before filing in the first claim to make sure you will be reimbursed. Most insurance providers will ask you to fill in a specific form, while a few only will need a picture of the vet invoice.
Usually you will be the one paying the entire vet invoice and then the insurance company will send you its share of the reimbursement. There are, though, a few firms that will pay the veterinary’s office directly. Also, remember that pet insurance works with deductibles, which means that you’ll have to pay a portion of the vet bill first, an amount agreed on when starting the subscription and depending on the service type.
The process of actually requesting a claim differs from each pet insurance provider to another. Some companies have a very simple and rapid procedure, while others require cat owners to do more through a complex process.
The best time to file a claim is immediately after the visit to the vet in cases where the treatment that was given is covered by your chosen policy. Even if a treatment does not cost a lot, it is still worth filing a claim for it since it will count towards the deductible.
If a form is required, usually it will need to be supplied together with a detailed copy of the vet invoice. These forms are generally available on the provider’s website, so make sure you have a few copies printed out ready, in case something goes wrong.
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