Pet insurance can cover your pet's health care costs, particularly if they suffer from certain conditions. Choosing the best pet insurance for your needs can be confusing.
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. Get quotes from different companies to find out what you will be paying.
Figo is one of our favorite cat insurance companies. The company also provides low-deductible and copayment options to lower your out of pocket costs.
Figo also has a very competitive waiting period. You have to be patient for up to a full year before you can make a claim.
Accident Only Plan
Accident-only plans are a cheaper alternative that covers vet costs for accidents such as lacerations, fractures and ligament tears. This plan also includes reimbursement for exam fees and diagnostics.
Complete Coverage Plan
You can also get full coverage for a higher monthly cost. This includes the same benefits as an accident plan plus illness protection. It covers cancer, arthritis and heart disease as well as UTIs.
ASPCA: This nonprofit pet insurance provider offers affordable premiums, flexible policy terms and no age limit on hereditary and congenital conditions. This pet insurance company also has the best veterinarian network out of all the providers. You can give your cat the help it needs, when it is needed.
Healthy Paws: This highly rated cat insurance provider specializes in offering pet owners a comprehensive package covering all major health issues that your cat may develop. These include chronic illnesses, emergency care and genetic and hereditary diseases, as well as alternative medicine.
It does not cover treatment for chronic conditions. This is a big drawback for many families, as these can be the most expensive types of treatments and can lead to a large out-of-pocket cost.
Trupanion: Unlike many pet insurers, Trupanion is committed to providing extensive and quality coverage for your pet. The insurer receives claims directly from its veterinarians, so there's no need for you to send them to a third party. It also has no annual maximums and reimbursements are based on veterinary charges in your area, not averages or customary rates.
Other Benefits:
It also covers wellness and pre-emptive care for your cat. This coverage covers spaying, neutering, dental cleansings, and various vaccines. It includes coverage for behavioral therapy up to $500 per a year.
Pawp, a provider with a digital health centre that allows you to monitor the health of your pet and veterinary staff on call 24/7 for emergencies. It has a $3,000 Savings Account that you can access in the event your pet gets hurt or ill.