Pet insurance can cover your pet's health care costs, particularly if they suffer from certain 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.
You'll have to pay a monthly premium based on your coverage, the weight of your pet, and where you reside. 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.
Complete Coverage Plan
For a slightly more expensive monthly premium, you can get complete coverage that includes all of the benefits in an accident-only plan plus illness insurance. It covers cancer, arthritis and heart disease as well as UTIs.
ASPCA - This nonprofit offers pet insurance with affordable premiums and flexible terms. It also does not have an age limit for hereditary or congenital conditions. It also has one of the best pet insurance networks, allowing you to get your cat care when they are in need.
Healthy Paws - This top-rated company offers comprehensive cat insurance that covers all the major diseases and health problems your cat could develop. It also includes emergency care, genetic conditions and hereditary disorders, and alternative medicine.
The only downside to this policy is that it doesn't cover non-emergency treatment for long-term conditions. This can be a major drawback for families as these treatments can be expensive and lead to large out-of pocket costs.
Trupanion: Unlike many pet insurers, Trupanion is committed to providing extensive and quality coverage for your pet. Its veterinarians send the claims directly to insurers so that you do not have to worry about sending it to a 3rd 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 or neutering your cat, dental cleanings, as well as a range of vaccines. This coverage includes up to $500 in behavioral therapy per 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. The company also has a $3,000 saving account you can use if your animal gets injured or sick.