Pet insurance helps you pay for the cost of your pets' medical care, in particular if there are certain health conditions. Buying pet insurance can be a confusing process, and you should take your time to make sure you choose the best policy for your needs.
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 Cat Insurance has some of the lowest rates we've seen. It is a great option for those with a low budget. The company offers options for a low deductible as well as co-payments, which will reduce your out-ofpocket expenses.
Figo offers you a competitive waiting period for both accidents and illness. You have to wait for 1 day to make a claim in the case of an injury and up to 1 year if your illness was pre-existing.
Accident-Only Plan
Accident-only plans are a cheaper alternative that covers vet costs for accidents such as lacerations, fractures and ligament tears. The plan reimburses for diagnostics, exam fees, and other costs.
Comprehensive Coverage Plan
You can purchase a complete plan that offers all the benefits of an accident-only policy plus sickness insurance for a little more money per month. This covers cancer, UTIs, heart disease, arthritis and other common ailments.
ASPCA: A nonprofit provider of pet insurance, ASPCA offers flexible policies and affordable premiums. There is no age restriction on congenital and hereditary conditions. The ASPCA has the largest veterinary network among pet insurance providers, so you can be sure that your cat will get the treatment it needs when needed.
Healthy Paws is a top-rated cat insurer that offers a comprehensive insurance package for pet owners. This includes coverage for chronic illness, emergency medical care, genetic or hereditary conditions, alternative medicine, and genetic and inherited conditions.
The only drawback of this policy is the fact that it does not include non-emergency long-term treatment. It is a significant drawback to many families because these types of treatment can be very expensive.
Trupanion Trupanion provides comprehensive and quality pet insurance coverage, unlike most pet insurers. Its veterinarians submit claims directly to the insurer, so you don't have to worry about sending them to a third-party. The insurer does not have an annual maximum and reimburses based on the veterinary fees in your area.
There are other benefits:
It also covers wellness and pre-emptive care for your cat. This coverage includes spaying and neutering, dental cleanings, and a variety of vaccines. It includes coverage for behavioral therapy up to $500 per a 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. It also has a $3,000 savings account that you can access if your pet gets sick or injured.