Cat Insurance
Cat insurance is a variety of pet insurance. Most of the things talked about in this section apply to other types of pet insurance. To view the main pet insurance section at InsuranceNook.com, click here.
One of the things that many people are concerned about with their cats is that their animal will scratch or bite other people or other animals. Cat insurance can cover this kind of liability for you, but in many cases this coverage is already included in your homeowners or renters insurance. However, these aren't the only types of incidents in which cat insurance can be a much-needed antidote.
Just like humans, cats get sick or become victims of accidents. Cat owners know that veterinarian fees can be costly, and visits to the vet can be frequent. Cat insurance helps protect you financially, so you can receive veterinary care for your friend when it needs it.
Cat insurance works just like human health insurance. You pay a premium (or a recurring fee) to an insurance company, and your insurance company agrees to pay for certain medical bills that occur. Generally you must pay a deductible or co-pay (a portion of the medical bill) every time you take your cat into the vet, but these can be adjusted based on your premium and also your cat's age, level of general health, and your preferred level of care. As animals age, your cat insurance premium will generally rise.
One of the best things you can do to save money is to compare cat insurance companies. You can get free cat insurance quotes and compare prices on insurance plans that fit your needs here at InsuranceNook.com!
Why Cat Insurance Is Good For You (And For Your Cat!)
If you own a cat you love, you can protect your cat and your own finances by purchasing cat insurance. Cat insurance makes sure that your cat can get the proper veterinary care it needs without you having to worry about breaking the bank. This way you can take your cat to the vet any time it needs care. Additionally, cat insurance can help you defray the costs of surgeries and other emergency medical procedures that your cat may need, whether due to accident or sickness. The peace of mind that comes from knowing your cat can get the veterinary care it needs whenever it needs it can be priceless.
Most Common Types of Cat Insurance Plans
There are a variety of cat insurance plans, although there are three major categories in which most plans commonly fall:
Basic Cat Insurance
The least expensive cat insurance, this coverage will help pay for injuries, illnesses, and poisonings. Generally these types of policies provide low reimbursements and may include a maximum (cap) that your insurance company can pay per illness or accident.
Comprehensive Cat Insurance
In addition to the items covered by basic cat insurance plans, comprehensive cat insurance protects you from having to pay full price for office visits, prescriptions, x-rays, and other fees. Reimbursements per injury or illness are usually higher than those in basic coverage.
Cat Well Care Protection
This type of cat insurance coverage includes physical exams, vaccinations, and other preventative care.
5 Common Cat Insurance Questions & Answers
Q. Does homeowners insurance ever cover cats?
A. Usually in two cases. 1) If your cat injures someone, you may be protected by homeowners insurance under personal liability. This means your homeowners insurance will pay for the injury caused by your cat. 2) If your cat's belongings are damaged or destroyed, they fall under the category of your own belongings which are covered by homeowners insurance.
Q. Is life insurance coverage available for cats?
A. Yes, and it works the same way as human life insurance. This is usually only used for exotic cats, and zoos are the main customers of cat life insurance companies.
Q. Will cat insurance cover me if my cat is stolen?
A. Certain cat insurance policies have provisions for theft. Check with your insurer to make sure you have theft insurance as part of your policy if you are worried about your animal being stolen.
Q. What kinds of conditions do cat insurance policies usually cover?
A. Some common conditions covered by many cat insurance plans include the following: Acne, Allergies, Arrhythmia, Asthma, Bite wounds, Bladder infections, Bronchitis, Burns, Cardiac arrest, Colitis, Conjunctivitis, Cushing’s disease, Dehydration, Diabetes, Ear infections, Electric shock, Epilepsy, Foreign body surgery, Fractures, Frostbite, Gastritis, Hepatitis, Hot spots, Hypertension, Kidney transplant, Lacerations, Laryngitis, Leukemia,Lyme disease, Near drowning, Pneumonia, Poisonings, Respiratory infections, Root canals, Sinusitis, Soft tissue trauma, Strokes, Tendon ruptures, Tongue lacerations, Tumors, and Ulcers.
Q. If I have more than one cat, can I cover them under the same plan?
A. In many cases, yes, and at reduced rates.
Conclusion
If you love your cat, then insurance may save you a lot of money and worry if your cat becomes ill or is involved in an accident. Cat insurance protects you financially if medical care for your cat costs more than you had planned, and it can give you the peace of mind that comes with knowing your friend will be able to receive medical treatment any time it needs it.
InsuranceNook offers free cat insurance quotes from several companies at the click of a mouse. Apply for free quotes for your cat insurance today!