Not everybody is a fan of cats, mainly because of their reputation for being distant, stingy, and less affectionate than their canine relatives. However, as many cat women (and gentlemen) are aware, these myths are untrue, and the evidence is there to support it. Cats and their owners have a particularly strong, mutually beneficial bond, according to one study (and the link between ladies and their cats is particularly strong!).
To keep your feline friend close to you for as much as possible, you want to make sure it stays healthy and strong. And cat insurance will be of great help in that regard.
Why get cat insurance?
The main benefit of acquiring cat insurance is that, if your pet is sick or harmed, will help cover the medical bills. It might mean the difference between life and death for your pet if you otherwise couldn’t pay a hefty vet cost in the event of a calamity.
Another benefit is that, with cat insurance, you get the freedom to pick the plan that suits you and your feline friend best. Death, drowning, striking, asphyxiation, poisoning or intoxication, falling, and cutting are the hazards that are often covered by cat insurers. However, some plans also cover more specialized risks including manslaughter, being hit by a car, theft, or attacking other animals. Even senior cats can get special policies to fit their specific needs. Moreover, dental, extended cancer, and preventive care (medical care) coverage can also be covered through some policies.
If you insure your cat, you will also be providing yourself with peace of mind. Knowing that you’ll afford your pet’s healthcare in case something happens will reduce a lot of the stress involved when your cat needs medical care. Not only that, but it will also help you budget, since, while insured, you won’t need to set money aside for emergency situations with your cat, allowing you to balance your finances in other areas of your life.
A few details to consider
Like any other types of insurance, pet health insurance is a game of chance. Your wager is that your cat will require it, while the business is placing odds that it won’t. Before getting pet health insurance, there are a few things to take into account.
For instance, ask if there is a list of networks or healthcare providers that the insurer uses, and consult your veterinarian before making a purchase if you are set on sticking with your current doctor (in case your vet isn’t on the approved list). The list of veterinarians that insurers have approved can sometimes involve longer commutes. Fortunately, many of the best cat insurance policies allow you to utilize any veterinarian of your choice (of course, if your veterinarian is listed, you’re already ahead of the game).
Finally, another thing to take into account is what type of risks your cat is more prone to. Most insurers provide a range of options to fit the requirements of various cats, so make a list of potential health issues you know your cat is susceptible to before choosing a plan. By selecting the ideal plan for your cat, you could reduce your premium rates.