Lemonade is one of the most well-known pet insurance companies thanks to their viral advertising campaigns. They also happen to be one of the most affordable options out there.

This company offers a simple base plan that covers accidents and illness. On top of this, you can choose from several routine care packages and five add-on options to cover everything from office visits to acupuncture. This on top of Lemonade’s many customizable features within the base policy makes them one of the most versatile pet insurance options out there.

Lemonade Pet Insurance Review

About Lemonade

Lemonade pet insurance is made for pet owners who know where they tend to spend their money the most when it comes to their pet’s care. Like most pet insurance options, this one covers accidents and illnesses. But it also offers additional coverage options for all the other vet-related expenses pet owners experience.

If you have a young kitten who has just joined your family, for instance, you may want to add on Lemonade’s Kitten Preventative Care coverage. This optional plan covers expenses like checkups, vaccines, and spays/neuters.

On the other hand, if you have a 2-year-old kitty, you may want to add the Dental Illness plan or Physical Therapy option. The former covers treatments for dental disease while the latter covers chiropractic and acupuncture treatment related to accidents and illnesses.

Like most other pet insurances, Lemonade does not cover preexisting conditions. They also have some age restrictions that vary by breed and species.

On the plus side, this insurance is impressively affordable and widely available. The only states they do not serve are Alaska, Delaware, Hawaii, Idaho, Kansas, Kentucky, Louisiana, Maine, Minnesota, South Dakota, Vermont, West Virginia, and Wyoming.

Pricing & Plans (Updated in 2024)

Pet Insurance Cost Comparison

Base Policy

Lemonade’s base policy includes coverage for diagnostics, procedures, and medications related to new illness and injury.

You can expect routine and emergency tests to be covered, including urinalyses, blood work, fecals, x-rays, and scans. If your cat needs procedures such as emergency surgery, hospitalization, or outpatient care, these will be covered as well. Prescription medications and injections are also covered under the base policy.

Basically, this policy covers accidents and illness and anything associated with them. It does not cover routine care, vaccines, behavioral care, or physical therapy. It also doesn’t cover pre-existing conditions, even if they lead to emergency care or illness.

Customizations

If you want additional care coverage for your kitty beyond accidents and illnesses, you can add customizable plans. Here, Lemonade offers many different add-on options.

The example prices below of these add-ons are based on a 3-year-old domestic shorthair in Chicago. Prices may vary depending on the age, breed, and location of your cat.

Vet Visit Fees

You can opt to add on vet visit coverage. This add-on costs about $4.70 per month.

This add-on helps pay for the vet visit itself when your cat has an emergency or gets sick. It covers physical exams, office visits, emergency room visits, and additional check-ups.

This add-on does not cover routine vet visits or the care associated with them. It only covers approved expenses up to the annual limit dictated by your base plan.

Dental Illness

The dental illness add-on covers emergency dental care and dental disease care. This is a bit of a pricier add-on at about $13 per month.

This option covers dental diagnostics, crowns, extractions, root canals, and other dental surgeries related to dental illnesses like gingivitis and periodontal disease. It does not cover routine dental cleanings, though another add-on option from Lemonade does.

This coverage maxes out at $1,000 per year. It’s worth noting that cat dental surgery in many regions averages over $1,000 if extractions and other procedures are required.

Behavioral Conditions

For about $3.50 per month, you can add behavior condition coverage to your plan.

This add-on covers diagnostics, therapy sessions, and medications for behavioral issues. It does not cover training sessions or obedience classes, however. It also does not cover pre-existing behavioral conditions.

This add-on has a yearly maximum of $1,000.

Physical Therapy

Another add-on worth considering is Lemonade’s physical therapy plan, which costs about $1.30 for most cats.

This option covers physical therapy sessions, acupuncture, chiropractic care, laser therapy, and more. This coverage kicks in after your vet recommends physical therapy for an injury or illness.

The maximum coverage for this one is the same as the maximum for your base policy.

End of Life and Remembrance

This costs, on average, between $2.50 and $5, depending on the age and size of your cat.

This add-on covers the cost of euthanasia, cremation, and some remembrance items.

There is no deductible for this add-on. It will cover up to 100% of costs up to $500.

Preventative Care

If you want coverage for routine vet care, you can add one of three preventative care plans to your policy.

The standard Preventative Plan covers the most common care needed for adult cats. Per year, this includes:

These plans start at around $11 per month for cats and come with single-item maximums for each service covered. For instance, the wellness exam reimbursement maxes out at $50 while the parasite test maxes out at $35 based on 80% coinsurance.

Preventative Care Plus

For an additional cost, you can upgrade to the Preventative Care Plus plan which offers all of the above coverage plus a couple of extra items.

With this add-on, you’ll also get up to $65 back for flea, tick, and heartworm medications. You’ll also get up to $150 to cover dental cleanings.

The Plus plan, on average, costs about $10 more than the standard plan.

Kitten Preventative Care Plus

If you have a young kitty at home, you may want to consider adding the Kitten Preventative Plan to your policy.

This add-on covers everything that the basic plan does plus one extra vet visit and three extra vaccines. It also covers up to $65 in flea, tick, and heartworm medications. Most importantly, it covers up to $120 toward a spay or neuter and up to $40 for a microchip.

The cost of this add-on typically starts around $38 per month.

Lemonade Price Comparison for Cats

Deductibles & Claims

Lemonade offers many ways to customize your base policy to tailor it to your needs.

For the deductible, you can choose between four options:

You can also customize how much of the cost Lemonade covers. The higher the percentage, the higher the premiums. Here, you have three choices:

Lastly, you can choose your annual coverage maximum. Your policy will only reimburse costs up to this amount per year. Lemonade offers five choices here:

What Does Lemonade Cover?

The base accident and illness plan from Lemonade covers diagnostics, procedures, and medications related to new injuries, illness, and accidents.

For instance, if your cat were to be hit by a car, the plan would cover any blood tests, surgeries, medications, injections, hospitalizations, and aftercare they need. What the plan would not cover is the cost of the emergency room visit or office visit.

Similarly, if your cat started throwing up unexpectedly, your plan would cover the diagnostic to determine what was wrong, saline administration, anti-nausea meds, and any other treatment they needed to recover. Again, the office visit itself would not be covered.

Coverage kicks in after your annual deductible is met and costs are reimbursed at the percentage your plan covers. Once you hit your plan maximum for the year, you’ll receive no more reimbursements for the year.

Pre-Existing Conditions

Like most pet insurance policies, Lemonade does not cover medical issues that are considered pre-existing conditions. This term is applied to a much broader range of conditions in the pet insurance world than it is in the human healthcare world.

Any injury, illness, sign, symptom, or issue that has been treated by your vet before has the potential to be labeled a pre-existing condition. This can apply to something as simple as diarrhea or as costly as emergency bowel surgery.

For instance, if your cat has been treated for an ear infection in the past, it is considered a pre-existing condition even if it has fully healed and gone away. If your cat gets another ear infection, it may not be covered.

The caveat here is that conditions deemed “curable,” such as ear infections and parasites may be covered by Lemonade as long as your cat has gone over 12 months without symptoms.

Waiting Periods

Lemonade has some of the shortest waiting periods in the pet insurance world.

After signing up for your policy, you only need to wait 2 days before your cat is covered for accident claims. You must wait 14 days before they’ll be covered for injury claims. And you have to wait the industry-standard six months before they’ll be covered for cruciate ligaments. Depending on where you live, your waiting periods could be shorter.

Reviews from Customers

Overall, most customers who use Lemonade are happy with the service and results they see.

Compared to other pet insurance companies, this one has one of the quickest approval and enrollment processes. They use online underwriting technology that saves time and money compared to traditional manual underwriting. This means faster results for you as well as lower prices across the board.

Their customer service is also very tech-based, including AI tools and a remote team. This means faster answers but also that it can take longer to speak to an actual person.

Most customers are very satisfied with the speed with which their claims are processed and their reimbursements are made. They also note how affordable this option is compared to other pet insurance policies.

On the downside, some customers have been surprised by which conditions Lemonade labels preexisting. Many also note their disappointment that the vet visits themselves, even for illness and accidents, are not covered.

Frequently Asked Questions (FAQ)

Are there age limits for enrolling in Lemonade?

Yes, Lemonade does have pet age limits for coverage. They will not cover pets under 8 weeks old. They also will not cover pets above a certain age, but this varies by breed.

How soon can I use my Lemonade insurance?

You can start using Lemonade for accidents 2 days after enrolling. For illness, the waiting period is 14 days. If you opted for a preventative package, you can use those benefits as soon as the date your policy becomes effective. Depending on where you live, your policy could have different waiting periods. If your pet is already hurt or ill before you enroll, insurance will not cover their treatment.

How long does it take for a claim to be paid out?

Around 50% of claims are handled instantly, however some claims may take an average of  12 and 18 days to be processed. The first claim often takes longer while subsequent simple claims typically take less than a week. Actual reimbursement time can be dependent on your bank.

Does my pet need a diagnosis to have a preexisting condition?

No, preexisting conditions don’t require a formal diagnosis. Lemonade and other pet insurance companies consider any illness, injury, sign, symptom, or issue that has been treated before a preexisting condition. Even issues that came with no formal diagnosis may not be covered if they occur after the insurance policy is signed.

Our Verdict

If you’re looking for an affordable, highly customizable pet insurance option for your kitty, Lemonade is worth a look.

This is one of the cheapest pet insurance options out there. They also offer multiple add-on options to help you save money where you spend it most. In addition to the base policy that covers illnesses and accidents, you can opt for vet visits, preventative care, dental, behavioral, and/or physical therapy coverage.

In addition to these customizations, you can also choose from multiple deductibles, coverage percentages, and maximum coverage options. All of these choices give you the freedom to find the best plan to fit your cat’s needs and your budget.

• See also: Pet Assure Insurance Mint Wellness Plan Review: A Detailed Look

The post Lemonade Pet Insurance Review 2024: A Detailed Look by Sara Seitz appeared first on Catster. Copying over entire articles infringes on copyright laws. You may not be aware of it, but all of these articles were assigned, contracted and paid for, so they aren't considered public domain. However, we appreciate that you like the article and would love it if you continued sharing just the first paragraph of an article, then linking out to the rest of the piece on Catster.com.

Pet Assure is a veteran pet insurance alternative company that has been bringing pet owners discounted care for over 25 years. They entered the market with the first pet insurance employee benefits program. More recently, they have launched their Mint Wellness plan, a novel pet insurance alternative option for pet parents everywhere.

Rather than focusing on covering extraneous vet costs, Mint Wellness provides coverage and discounts for routine veterinary care. The plan is available at set rates to all types of pets, no matter their age or species. Best of all, no pet can be denied based on preexisting conditions.

Pet Assure Insurance Mint Wellness Plan Review

About Mint Wellness by Pet Assure

Mint Wellness is a pet wellness plan, not pet insurance. Where most dog and cat insurance plans focus on accident and illness coverage, Mint Wellness covers routine care.

Not only does it cover annual exams, preventative care, and routine blood work, but it also provides money back for grooming, dental, and more. This plan also includes enrollment in Pet Assure’s Veterinary Discount Plan. With this, you’ll receive up to 25% off veterinary services when you take your pet to a participating provider. These savings can be used on top of reimbursements for routine care.

Because Mint Wellness reduces the cost of expected veterinary care, it’s a great option for owners who may struggle to pay high bills but have the extra funds to pay a set amount for a pet wellness plan each month. It’s also a good option for owners of puppies, elderly pets, and those with pre-existing conditions. While it does not cover extraneous care for these pets, it will cover routine care to bring the overall financial burden of vet care down.

Mint Wellness is available in three plan types. The Basic option covers common routine care services, while the Essential and Premium plans cover additional care your pet may need throughout the year.

Depending on where you live and the cost of veterinary care there, the maximum reimbursement for each service type may or may not cover the full cost of care. Considering the monthly price, the maximum total reimbursement for each plan is on the lower side compared to illness and accident plans.

Mint Wellness is available for pets in all states and can be used by any veterinarian. However, the bonus Veterinary Discount coverage is only applicable to participating vets.

Pricing & Plans (Updated in 2024)

Pet Insurance Cost Comparison

Base Policy

The base policy for Mint Wellness is their Basic Plan. This plan costs $18 per month regardless of pet type, age, and health status.

The Basic plan provides coverage for the most common annual veterinary expenses, including one wellness visit, two vaccinations, routine blood work, and a fecal test or urinalysis. The reimbursement for each procedure is capped at a set maximum. For instance, the annual veterinary exam will be covered up to $100.

The plan has a maximum reimbursement of $350. The Essential and Premium plans extend coverage to additional routine care items and each has a higher maximum yearly reimbursement.

Customizations

Pet Assure’s Mint Wellness Plans are designed to be uncomplicated. That means that the price for each tier option is the same for everyone. Whether you have an 18-year-old cat, an eight-week-old puppy, or a healthy adult chinchilla, you will pay just $18 for the basic option.

Plans

The $18 Basic Plan covers four routine veterinary services. It has a maximum annual reimbursement of $350.

The Essential Plan costs $34 per month and covers an additional three routine services. This plan also offers a higher reimbursement for vaccination. It has a maximum annual reimbursement of $650.

The Premium Plan costs $57 per month and covers all the same services as the Essential Plan, plus it will reimburse up to $100 for dental care. This plan also carries higher reimbursement maximums for many services, including grooming, wellness visits, and vaccinations. It has a maximum annual reimbursement of $1,100.

Plan Comparison

Deductibles & Claims

Mint Wellness is a straight coverage plan. This means that there are no deductibles that need to be met before the plan will kick in. Rather, it can be used immediately to cover any routine care included in the plan type up to the given maximum.

Claims can be submitted immediately by uploading invoices to your account. Reimbursements are paid out quickly, typically within 5 business days.

What Does Mint Wellness by Pet Assure Cover?

The Mint Wellness plan covers only routine and expected veterinary costs. It does not cover illness, accident, or injury-related veterinary expenses. The plan can be used on its own or in conjunction with traditional pet insurance.

Each plan type covers a different number of routine services.

For a healthy adult cat, the Basic Plan might be the best option since routine vet care is likely to include only the bare minimum of services. For a young kitten, it may be worth opting for the Essential Plan to cover more vaccinations and early preventative care. And for a senior kitty, getting the Premium Plan may be worth it for that additional yearly wellness check and dental coverage.

*Basic Plan includes 1 fecal or urinalysis per year.

Pre-Existing Conditions

Because Mint Wellness covers only routine care, it does not reject pets based on pre-existing conditions or health status.

However, these conditions will not be covered by the pet wellness plan since they don’t fall into the category of “routine care.”

If you have a cat with a pre-existing condition, opting for a Mint Wellness plan can help you save money by covering routine care so you have more funds to put toward care for their condition.

Additionally, since Mint Wellness includes Pet Assure’s Veterinary Discount Plan, you have an opportunity to save on pre-existing condition care, as well. All you have to do is choose a participating veterinarian for your cat and you’ll receive up to 25% off all care, regardless of what it is for.

Waiting Periods

One great thing about Mint Wellness is there is no waiting period for coverage to start. That means you can sign your pet up in the morning and take them in for their wellness check that afternoon and still be covered.

Because these plans aren’t affected by health or age, you also don’t have to wait for medical records to be transferred or a health check for coverage to kick in.

Reviews from Customers

Customers cannot say enough about how easy it is to get reimbursements through their Mint Wellness plans. Most have no trouble uploading their invoices to their accounts and almost all experience very quick reimbursement rates—less than five days!

The majority of customers are happy with their coverage and reimbursement rates. However, this varies by location. Customers in regions that experience higher costs for veterinary care report that Mint Wellness’ maximum reimbursement does not always fully cover the cost of care. For example, my dog’s last dental cost about $1,400, which is much more than the Mint Wellness Premium plan’s maximum dental reimbursement.

Customers also have mixed reviews on the Veterinary Discount Plan portion of the coverage. Pet owners in highly populated areas appear to have an easier time finding participating vets than those in smaller cities and towns.

Overall, pet parents who used the most routine care services over the year seemed the most satisfied with their Mint Wellness plan. Those who only utilized some routine care services ended up paying more for their plan than they received in reimbursements.

Before you sign up for a pet insurance plan, or a wellness plan like this one, consider how much you typically spend on routine care each year. If it is a significant amount, odds are you’ll benefit from the coverage Mint Wellness offers.

Frequently Asked Questions (FAQ)

What kinds of pets are covered by the Mint Wellness Plan?

Mint Wellness covers any type of animal aside from humans. The cost is the same regardless of pet type, age, or gender.

Where can I use my Mint Wellness Plan?

You can use Mint Wellness at any veterinarian you choose. Once services are rendered and paid for, you simply submit the invoice for reimbursement from Pet Assure.

How are reimbursements paid out?

Reimbursements are paid out to the Venmo or Paypal account connected to your Mint Wellness account. Payments are typically received within five days of submitting.

What is the Veterinary Discount Plan?

The Veterinary Discount Plan is another insurance alternative offered by Pet Assure that is included in all Mint Wellness Plans. With this addition, you can receive instant discounts on vet services when you take your pet to a participating veterinary practice.

Our Verdict

Mint Wellness is an insurance alternative unlike most others out there. It covers only routine pet care to help you save money on veterinary costs you know you’ll encounter each year.

While this plan may not be worth the premiums for pets who only see the vet in emergencies, it is a good option for those who are prudent about preventative care. It is an especially cost-effective choice for kittens and senior cats who require extra face time with their vet and are often subject to more routine care services such as vaccinations, blood work, and dentals.

Mint Wellness comes in three plan types with various services covered under each. The price for every plan is set and does not change based on your pet’s breed, health status, age, gender, or preexisting conditions. Best of all, these plans do not have a deductible and are active the moment you sign up.

• See also: Lemonade Pet Insurance Review: A Detailed Look

The post Pet Assure Insurance Mint Wellness Plan Review 2024: A Detailed Look by Sara Seitz appeared first on Catster. Copying over entire articles infringes on copyright laws. You may not be aware of it, but all of these articles were assigned, contracted and paid for, so they aren't considered public domain. However, we appreciate that you like the article and would love it if you continued sharing just the first paragraph of an article, then linking out to the rest of the piece on Catster.com.

Healthy Paws Pet Insurance is a company with policies underwritten by Chubb companies and is licensed in all 50 US states. Its pet insurance plan covers cats and dogs against accidents and illnesses.

Known for its reasonable pricing, unlimited maximum payouts, and commitment to non-profit organizations, Healthy Paws offers one comprehensive plan that covers accidents and illnesses, which is great if you’re looking for simplicity. Healthy Paws is also willing to communicate with your vet to arrange direct payments if the clinic agrees.

That being said, there are some notable limitations to Healthy Paws’ plan that are important to know about—mainly that it applies age restrictions to its hip dysplasia coverage, has lengthy waiting periods, has no examination fee coverage, and does not offer a wellness plan or accident-only plan. Read on to find out more about Healthy Paws pet insurance if this is a provider you’re considering.

Healthy Paws Pet Insurance Review

About Healthy Paws Pet Insurance

Though some pet parents appreciate all the extra add-ons (i.e. wellness plans), others prefer just one plan with decent coverage. So, if you’re looking for one easy-to-understand plan and a simple claim submission procedure, Healthy Paws may be worth considering.

Another major perk is that Healthy Paws does not impose per-incident, annual, or lifetime caps or maximum payout limits. Moreover, plans are customizable (though not in every case—more on this further down) in terms of deductibles and reimbursement levels, which gives you a degree of flexibility in terms of how much you will pay per month.

On the other hand, Healthy Paws will not appeal to those who want an accident-only plan, reimbursement for routine care and procedures like spaying, neutering, microchipping, and general vet checkups, and those who want to enroll pets over the age of 6 in need of hip dysplasia treatment. Healthy Paws only covers hip dysplasia for pets enrolled before the age of six.

Pricing & Plans (Updated in 2024)

Pet Insurance Cost Comparison

*Please note that quotes are subject to change and are dependent on breed, age, zip code/location) and date of quote*

Base Policy

Healthy Paws’ base policy covers pets for a variety of conditions and procedures, including accidents, illnesses, hereditary conditions, congenital conditions, cancer, chronic conditions, diagnostics, x-rays, blood tests, ultrasounds, surgery, and hospitalization.

The policy also covers prescription medication, emergency care, specialty care, and alternative care. Alternative care is something not every insurance provider covers, so this is a pro if you and your vet think your pet would benefit from holistic treatment.

Notable coverage exceptions include behavioral issues, dental healthcare (unless as a result of traumatic injury), and examination fees. Pre-existing conditions aren’t covered, either, but this is standard across the pet insurance industry. Please see the list further down detailing what is and isn’t covered for more information on exclusions.

Customizations

Though Healthy Paws doesn’t allow for customizations in terms of wellness plans or other add-ons, you can customize your plan (in some cases) with various reimbursement and deductible options. Let’s take a look at each customization option in more detail.

Deductibles

A deductible is the amount you pay your vet before your insurance provider pays. The higher the deductible you choose, the lower the monthly amount you will pay the insurance provider will be. Deductible options Healthy Paws offers (in the most flexible cases) are $100, $250, $500, $750, and $1,000.

Unfortunately, deductible and reimbursement options are less flexible in certain cases. We got a quote for a Labrador Retriever of 7 years old living in Texas and we were offered only one deductible option and one reimbursement option that we could not change. This limited customizability could be due to a variety of factors including breed, age, and location.

One thing we noticed and appreciated, however, was that Healthy Paws does give you a heads up if they think their quote is not the best value for your pet and recommends checking out other providers for a better deal.

Reimbursement Options

Healthy Paws offers a wider range of reimbursement options than many other providers. The higher the reimbursement option you choose, the higher the monthly rate you will pay. Reimbursement options are 50%, 60%, 70%, 80%, and 90%. As mentioned above, in some cases, your options are much less flexible.

Healthy Paws Price Comparison for Cats

Deductibles & Claims

Healthy Paws has a reputation for making it easy to submit claims. We checked this out and there are multiple options for claim submission—you can submit via the Healthy Paws mobile app, the online customer center, by mail, by fax, or by email.

According to Healthy Paws’ website, most claims are processed within 10 days, and once approved, you should be reimbursed within 24 business hours. You can choose to be reimbursed by check or by direct deposit.

Furthermore, if you are unable to pay your vet at the time of treatment, you can contact Healthy Paws who will then liaise with the clinic to try and arrange direct payment. Please note, however, that whether or not this will be possible depends on the veterinary clinic in question.

Common Claims

The below table is based on information from Healthy Paws’ website. It details common claims, how much these conditions cost to treat on average, and how much Healthy Paws claims to reimburse.

Pre-Existing Conditions

A pre-existing condition is a condition that your pet had or showed clinical symptoms of prior to when your pet’s insurance coverage began. Healthy Paws, like other pet insurance providers, does not cover pre-existing conditions—only future ones.

In terms of congenital conditions, Healthy Paws covers them as long as the pet did not display any symptoms of the condition prior to enrollment or during the waiting period. While some congenital conditions manifest themselves early, some pets don’t show signs of them until much later.

Waiting Periods

Healthy Paws’ plan has a 15-day waiting period. For illnesses, this is pretty standard, but many pet insurance providers have shorter waiting periods for accidents—some as short as 2 days. Moreover, Healthy Paws’ waiting period for hip dysplasia is 12 months, and, for pets enrolled after the age of 6, hip dysplasia is not covered at all.

By contrast, some pet insurance providers do not impose special waiting periods for hip dysplasia, and those that do typically set it at 6 months.

Reviews from Customers

Customer reviews for Healthy Paws are largely positive in nature. The provider has been praised for its unlimited lifetime claims (which means there’s no need to worry about your pet still being insured as they age), how easy it is to submit claims and get reimbursed, and its thoughtful customer service team. Some users even mentioned that Healthy Paws checked in with them to see how their pets were doing post-treatment.

On the other hand, some have mentioned feeling frustrated at annual price increases, but, unfortunately, this is a point commonly brought up in regard to most—if not all—of the insurance providers we research and review. The truth is, no matter which provider you go for, the older your pet gets, the more expensive insuring them is because they’re more likely to need treatment as they age.

FAQ

Does Healthy Paws Cover Dental Care?

Yes, in cases of traumatic injury like a chipped tooth. However, extractions and dental cleaning procedures necessary as a result of dental decay are not covered.

Does Healthy Paws Cover Euthanasia?

Yes, when euthanasia is deemed necessary by a vet for a condition covered in the Healthy Paws plan. However, burial and cremation costs are not covered.

Will My Pet Need a Medical Exam to Enroll?

Yes, a full physical exam is necessary for your pet to be eligible for Healthy Paws coverage. If your pet is under 5 years old, the exam must have been carried out within 12 months or within the first 15 days of the policy. If your pet is over the age of 6, the exam must be carried out within 30 days or within the first 15 days of the policy.

Our Verdict

Taking everything into account, there’s a lot to like about Healthy Paws but the limitations may be frustrating for some.

Things we like are the unlimited maximum payouts and no per-incident, annual, or lifetime caps, the fact that it covers alternative treatments, its willingness to pay vets directly, its commitment to helping homeless animals with donations, and the fact that customers have commented on the customer care team’s thoughtfulness. The pricing also seems reasonable.

On the downside, there is only one plan, no accident-only plan, no routine care/wellness plan, and pets older than six at the time of enrollment do not qualify for hip dysplasia coverage. Furthermore, the waiting periods are lengthy in comparison with many other providers. On the basis of our research, we’ve decided to award Healthy Paws 4/5 stars.

See also:

• Lemonade Pet Insurance Review: A Detailed Look
• Pet Assure Insurance Mint Wellness Plan Review: A Detailed Look

The post Healthy Paws Pet Insurance Review in 2024: Pros, Cons & Verdict by Kit Copson appeared first on Catster. Copying over entire articles infringes on copyright laws. You may not be aware of it, but all of these articles were assigned, contracted and paid for, so they aren't considered public domain. However, we appreciate that you like the article and would love it if you continued sharing just the first paragraph of an article, then linking out to the rest of the piece on Catster.com.

If you’ve decided to get some pet insurance for your cat, good for you! Your beloved feline companion deserves to have his healthcare safeguarded with insurance. After all, most cat owners know that veterinary care can cost a small fortune, especially if surgery or extensive treatment is required. If your kitty is in an accident or gets seriously ill, pet insurance may be the one thing that saves his life.

When you’re ready to pull the trigger on pet insurance for your cat, you likely are wondering what’s covered in the typical pet insurance policy. We’ve done the hard work for you by including a list of things that are usually covered in pet insurance for a cat.

What’s Typically Covered in Cat Insurance

The first thing to know is that different pet insurance plans cover different things. This is why you must read through your policy and ask your insurance representative any questions you may have about the policy.

Generally, most pet insurance plans cover the costs associated with the following:

Some pet insurance plans offer dental coverage which takes care of the costs associated with things like dental illnesses including periodontal disease and accidents like broken teeth. However, if you want to add dental coverage to your pet insurance policy, expect to pay extra.

If you want to save money on your pet insurance, think long and hard about your cat’s overall health and age. Instead of paying around $30 a month (or more) for extensive coverage, it’s much cheaper to buy accident-only pet insurance that usually costs under $10 a month. A good idea is to speak to your vet who knows your cat’s health history well.

What Affects the Cost of Pet Insurance for a Cat?

The price you’ll have to pay for insurance coverage for your cat typically depends on several factors, including:

Pet Insurance for a Cat Is Well Worth It

Without pet insurance, you’re taking a risk. For example, if your uninsured cat is injured in an accident or becomes ill and needs medical attention, you’ll have to cover the costs of his medical care yourself by dipping into your savings or racking up a big credit card debt. So it’s better to be safe than sorry.

Always consider your budget when looking at pet insurance policies. Instead of struggling to pay a hefty monthly fee that you can’t really afford, trim down your cat’s coverage just enough to make the policy more affordable. But if you can afford to get full coverage for your cat that even includes some dental care, go for it because it’s worth every penny.

Conclusion

If you can’t afford to tuck a few thousand dollars away for your cat to use to cover any medical care he may need, you should get pet insurance. While pet insurance can save you a bundle of cash, it’s also an expense you should consider carefully.

Before buying a pet insurance policy for your cat, consider his needs and your budget. Even though you’ll have to pay a monthly fee, you’ll be given the peace of mind knowing you’re doing what’s best for your cat.

• See Also: What Is the Cost of Pet Insurance Complete Price Guide

Featured Photo Credit: Rawpixel.com, Shutterstock

The post What Does Pet Insurance Cover for a Cat? Everything You Need to Know! by Christian Adams appeared first on Catster. Copying over entire articles infringes on copyright laws. You may not be aware of it, but all of these articles were assigned, contracted and paid for, so they aren't considered public domain. However, we appreciate that you like the article and would love it if you continued sharing just the first paragraph of an article, then linking out to the rest of the piece on Catster.com.

Owning a pet is absolutely a joy. However, unexpected vet bills strain your wallet, putting a strain on pet ownership. Pet insurance provides a safety net for pet owners, allowing you to keep your furry friend healthy without all the financial strain on yourself.

In this article, we’ll explore how much pet insurance typically costs, including which factors influence the price. On average, you can get pet insurance for your cat for $28.

The Importance of Pet Insurance

Our furry companions become cherished members of our families.

Like any of our family members, we want to ensure our cats receive the best medical care possible. While we’d much rather our cats never get sick, diseases and injuries can strike any feline. Unfortunately, vet care can quickly surge to thousands of dollars, especially for emergencies and surgeries. Chronic treatments can cost even more.

Pet insurance helps cover some of these expenses. With pet insurance, you can make the best decisions about your pet’s recovery without worrying about the potential cost.

Pet insurance also gives you peace of mind. You won’t have to worry about your bank account balance when trying to save your pet’s life.

How Much Does Pet Insurance Cost?

The cost of pet insurance can vary widely. However, we can give you a ballpark figure. For cats, you can expect to pay around $28 (as of 2024). This range can differ, though. Some cats may only have insurance as low as $17, while others may cost over $45.

While this average cost provides a starting point, the price tag can vary widely. Here are the factors that have the biggest impact:

Consider these factors when determining how much you can expect to pay for pet insurance. Some of these you can change, such as the deductible and reimbursement percentage. Most are out of your control, however.

Additional Costs to Anticipate

While pet insurance premiums are the focus of most pet insurance guides, they aren’t the only payment you’ll need to worry about. For instance, here are some additional costs that you’ll also have to pay for your cat’s health care.

When Should I Get Pet Insurance?

Preferably, you should get pet insurance as early as possible, within the first 6 months of adopting your cat. Younger pets are often healthy, so waiting may seem like a good idea. However, their premiums are often lower, and accidents can happen at any time. You’ll be paying a minimal amount for peace of mind.

Pet insurance also doesn’t cover pre-existing conditions. Therefore, you should get coverage before your cat develops any health problems. Getting insurance early will ensure that all future health problems will be covered.

While there is often no penalty for waiting, vet bills can cost thousands, even for younger cats. Pre-existing conditions can also be a roadblock to later coverage. Enrolling early allows you to cover early health problems and prevent pre-existing clauses from coming into effect.

What Does Pet Insurance Cover?

Pet insurance acts as a financial safety net for many veterinary expenses. However, it doesn’t cover everything. The specifics of what’s covered vary widely, depending on the plan you choose.

Often, pet insurance covers unexpected injuries like broken bones, swallowed objects, and bites. Hospitalizations, medication, diagnostics, and surgery for those conditions are all covered. However, some plans do not cover the initial vet visit until your pet is diagnosed. In other words, if you go because you think your pet is injured, and they are not, you won’t be able to claim that visit.

Most plans also cover illnesses such as cancer, infections, and digestive problems. Allergies and chronic conditions diagnosed after pet insurance is purchased are usually covered. Most plans only cover illnesses and accidents.

However, you can purchase add-ons and other plans that may include other coverage options. For instance, some plans offer coverage for routine preventative care, like annual vaccinations and checkups. These plans are often expensive, but they don’t always provide much back for the extra price.

Most plans do not include behavioral therapy, but you can find add-ons that cover behavioral therapy. Often, this isn’t necessary for cats, but some owners find that you can never be too careful. Many pet insurance plans have optional additions that include end-of-life care, including euthanasia and cremation.

Conclusion

Pet insurance may seem like an optional expense for your cat. However, it can help pay vet bills, which can easily reach thousands of dollars. Accidents and illnesses can happen at any time, so we highly recommend investing in pet insurance right away.

Several factors determine how much your monthly premium will be. Your location is the most significant factor, as vet bills vary by zip code. Insurance companies know this and adjust their premiums to match. Premiums also increase as your cat ages.

Premiums aren’t the only cost of pet insurance. You also have to consider your deductible and reimbursement rate. They will help you determine what you’ll pay out-of-pocket when your cat needs to visit the vet.

Featured Image Credit: visivastudio, Shutterstock

The post What Is the Cost of Pet Insurance in 2024? Complete Price Guide by Kristin Hitchcock appeared first on Catster. Copying over entire articles infringes on copyright laws. You may not be aware of it, but all of these articles were assigned, contracted and paid for, so they aren't considered public domain. However, we appreciate that you like the article and would love it if you continued sharing just the first paragraph of an article, then linking out to the rest of the piece on Catster.com.

A sick cat is a pet owner’s worst nightmare. Treatment options can sometimes exceed our budgets, depending on the condition in question, and some people have been forced to choose between the health of their beloved cat and making ends meet. Some owners on a very strict budget have had to make the heartbreaking decision to opt for economic euthanasia, choosing to euthanize their pets primarily because of the unexpected cost of veterinary medical care.¹ Others may choose to rehome or surrender their pet to a shelter so they can receive the necessary care, but this is also not necessarily the best option, as there are already overcrowded shelters with many unwanted animals.

Pet health insurance can be the saving grace in situations like this. The point of insurance is to help lower the costs of your vet bills to make caring for your pets easier on your budget. Is it worth it to invest in pet insurance for your cat? We say yes simply for the peace of mind it provides.

Keep reading to learn the ins and outs of pet health insurance policies to help you decide if it’s right for you.

How Much Is Pet Insurance for a Cat?

Owning a pet is a great joy but also an immense responsibility and should not be taken lightly. Cats may be a part of our lives for more than a decade, some even for 2 decades, and every responsible cat parent needs to be aware of all the costs associated with caring for their pet.

Alongside food, bowls, beds, environmental enrichment equipment, cat sitting services, and many other things also come the veterinary bills for both preventative care, such as regular vaccination, neutering, dental hygiene, flea treatment, and worming, as well as all the unexpected and possible injuries and diseases. All of this should be seriously considered before even thinking about getting a pet.

The cost of pet insurance will depend entirely on what plan policy you’re opting for. Individual costs may also vary based on your cat’s breed, age, preexisting health conditions, and health status.

According to the North American Pet Health Insurance Association, you can expect to pay around $32 per month for accident and illness pet insurance for cats in America. The same NAPHIA study shows pet parents paying for accident-only coverage pay much less at around $10 per month. These numbers are only averages. The policy you choose, breed, age, and underlying health conditions of your pet will determine your specific monthly premium, alongside the difference between various insurance companies.

Almost all plans have a deductible. A deductible is a certain amount that you’ll have to pay out of pocket before your insurance coverage will kick in. Again, the deductible amount will vary from plan to plan. You could be looking at anywhere between a few hundred dollars or less per each condition to several thousand dollars a year if they are worked out as a certain percentage of the total veterinary bill. In most situations, plans with higher deductibles will have lower monthly premiums. Some more expensive plans may have a deductible of zero.

How Does Pet Insurance Work?

Pet health insurance works very similarly to human health insurance. Each provider offers different levels of coverage, with each plan costing a monthly premium. The premium will depend on how much coverage you opt for and the individual details about your cat’s age and health.

Every insurance company operates a little differently. Some will pay your vet directly whenever possible, so you don’t need to worry about sending in receipts and waiting for your reimbursement.

Some have restrictions on their claim payouts depending on their predetermined rates and not on what the actual cost of your veterinary care was.

Some companies will drop your coverage if you file too many claims.

After the deductible is met, you will be reimbursed a portion of your pet’s healthcare bills. Some top insurance companies offer reimbursements of up to 100%; however, those plans will come with a much higher monthly premium.

Let’s crunch some numbers to provide an example.

Let’s say your plan has a $200 deductible with an 80% reimbursement rate. Your cat has a sudden need for surgery that totals $1,500. Your insurance will cover $1040 of the $1,500 fee, leaving you to cover the remaining $460.

$1,500 – $200 = $1,300

80% of $1,300 = $1040.

What Does Cat Insurance Cover?

Coverage levels will vary from plan to plan.

Accident-only coverage will be the most budget-friendly option. Plans that cover accidents and illnesses will be a step higher. The priciest plans will cover the aforementioned situations as well as wellness care. Some of the higher-end plans also cover death-related expenses.

Most plans will cover things like unexpected accidents such as broken bones, unexpected illnesses, surgeries, prescription medications, diagnostics, and emergency examination fees. Some plans may even cover alternative therapies such as acupuncture and hydrotherapy.

Things that most plans will not cover include pre-existing conditions, preventative care, vaccinations, spaying/neutering, and routine care.

What Should I Look at When Comparing Insurance Plans?

There are four main factors to consider as you start to compare insurance plans for your cat.

The annual deductible refers to how much you’ll have to pay out of pocket every year before your cat’s insurance will kick in.

The reimbursement rate is the percentage of the medical costs your policy provider will reimburse you for after you’ve met your deductible.

The annual limit refers to the maximum amount your policy provider will reimburse you for every year.

The monthly premium is how much money you’ll need to pay every month to keep your account active.

It’s essential to gather as much information from any potential insurers before making your final decision. Two plans might look close to the same on paper until you read the fine print. One might have a six-month waiting period for knee injuries, while others only wait 30 days.

Do I Need Pet Insurance if My Cat Lives Indoors?

Health risks can occur to any cat regardless of where they spend most of their time. Indoor cats are just as much at risk of certain conditions as outdoor cats. In fact, some conditions are more likely to occur, specifically in indoor cats.

Cats that spend a lot of time outdoors tend to be more active. If yours is kept primarily indoors, they’re more at risk for obesity, which makes them four times more likely to develop diabetes than cats at an ideal weight. If your cat were to need medical treatment for obesity or diabetes, your insurance can help reimburse some of the costs, provided these conditions were not pre-existing.

Indoor cats may be more likely to experience anxiety and stress as they aren’t able to participate in some behaviors that are natural to them (like hunting and seeking). Feline anxiety can manifest in many ways, including inappropriate urination, decreased appetite, and excessive grooming, all of which can cause further health problems. Some insurance policies will cover medical treatment for behavioral issues.

Can I Get Pet Insurance if My Cat Is Already Sick?

Most standard pet insurance issuers will not cover cats with pre-existing medical conditions. That said, it is not impossible to find a carrier that will hear your case, but you will need to seek out specialist insurers. Just as with human insurance issuers, covering a pet with a pre-existing condition is considered to be high-risk. These can be very difficult to find and often have a lot of restrictions as most insurers don’t want to deal with health conditions that will create a lot of claims.

Some insurers may consider covering certain pre-existing conditions provided that they’re considered curable and not recurrent. These conditions may include short-lived gastrointestinal issues and ear infections.

If you can’t find pet insurance that will cover your cat’s condition and you have mounting veterinary bills, you do have other options. Fundraising, temporary credit cards, and veterinary charities can help you pay the bills. Some vets even offer a payment plan option to help make your bills more manageable.

You can still get insurance from a standard issuer even if your pet’s pre-existing condition is not covered. The only thing to consider is that any expense related to that condition will not be covered. For example, if your cat has arthritis, your insurance will not cover any medical care relating to that diagnosis.

When Should I Get Pet Insurance for My Cat?

The best time to get pet insurance for your cat is when they are young and healthy. The longer you wait to find coverage for them, the higher the chance that a pre-existing condition will be discovered.

Can I Get Pet Insurance for an Older Cat?

As with humans, when cats reach their senior years, their risk of certain health conditions rises.

If you didn’t get insurance for your cat when they were young, finding an insurer can be a bit more difficult in their golden years. Some companies may be wary about insuring an older cat due to the expensive health conditions they’re more prone to. Some companies have age limits, so they won’t even consider covering older pets.

That said, some insurers will happily provide coverage for older kitties, but you may be looking at a higher monthly premium.

Do I Need Pet Insurance for My Cat? Final Thoughts

Pet insurance is a helpful tool for cat owners. It provides peace of mind as you’ll know that you’ll always have a helping hand if finances get too tight or if your pet gets hurt or becomes ill. Monthly premiums can be pricey, but the sooner you take up insurance, the more it will pay off in the long term.

Alternatively to pet insurance, setting up a savings account for your cat’s veterinary care that won’t be touched in any other circumstance is another way to ensure your cat will receive all the veterinary treatment they require.

Owning a pet is a great responsibility, and it requires consistent dedication and care for the whole length of their lives, which in some cases can be as long as 20 years. Pet insurance is a great way to keep your cat happy, healthy, and comfortable during all these years.

See Also:

• What Is the Cost of Pet Insurance Complete Price Guide
• Pet Assure Insurance Mint Wellness Plan Review: A Detailed Look

Featured Photo Credit: Red-Bow-Tie-Photo, Shutterstock

The post Is Pet Insurance Worth It for a Cat? Vet-Reviewed Guide & FAQ by Chantelle Fowler appeared first on Catster. Copying over entire articles infringes on copyright laws. You may not be aware of it, but all of these articles were assigned, contracted and paid for, so they aren't considered public domain. However, we appreciate that you like the article and would love it if you continued sharing just the first paragraph of an article, then linking out to the rest of the piece on Catster.com.

Pet insurance is a controversial topic. Some people feel that it’s pointless, but those who use it know how handy it can be to pay for your pet’s medical bills that you didn’t see coming. If you’ve never used it before, it can be a frustrating process to figure out which insurance is going to work best for you. Which one is going to cover the biggest percentage of my bill? How do I keep my monthly bill low?

The best types of pet insurance are those that fit the needs of your pet. Most of today’s leading pet insurance companies supply pet owners with an affordable monthly premium for comprehensive coverage. Still, a large percentage of people don’t use it. If you’re curious about insurance, make sure to shop around and do the research so that you can make the best possible decision for you and your furry family member.

A Quick Look at the Best Pet Insurance Providers in 2024

	Image	Product	Details
Best Overall		Figo Pet Insurance	3 tier plans Includes emergency and hospitalizations 24/7 availability	Get Quote
		Pumpkin Pet Insurance	24/7 customer service with app Money-back policy within 30 days Coverage applied within 3 days	Get Quote
		Lemonade Pet Insurance	Have an add-on for preventative care Customizable plans Affordable	Get Quote
		Embrace Pet Insurance	Diminishing deductible Covers dental illnesses Vet exam fees covered	Get Quote
		ASPCA Pet Health Insurance	Able to visit any vet Reimburses alternative therapies Multi-pet discount	Get Quote

The 10 Best Pet Insurance for Cats

1. Figo Pet Insurance – Best Overall

Some of the many things that draw people to Figo pet insurance in the first place are their 24/7 access to a live vet, easy online access, and helpful coverage. They offer three different tier plans for you to choose from, and each one covers hereditary, congenital, and other chronic conditions. When you go to choose your policy, you’ll notice that each one has a different annual limit. The lowest plan starts at $5,000 and working up to unlimited with a $100,000 lifetime limit.

Each plan covers similar expenses, including hospitalizations, cancer treatments, diagnostics, emergency care, and examination fees. Some plans even allow you to receive back 100 percent of their covered procedures. Figo also scores high in reviews because of its dedication to customer service. They are available via text, email, phone, live chat, and even X (formerly Twitter). They also offer a wellness reward program for cats in good health. Unfortunately, they don’t cover accidents or illnesses for pets older than 14 years old. For these reasons, Figo is one of the best overall pet insurance companies for your cat.

2. Pumpkin Pet Insurance

Pumpkin Pet Insurance is as popular as other big names in the pet insurance industry, but they are known for their affordable rates for all price ranges. Pumpkin offers plans that include an annual wellness check, a yearly fecal test, and 4 vaccines per year. They also offer an add-on option for a preventative care pack. Pumpkins insurance covers MRIs, surgery, CT scans, prescriptions, microchip implants, hospitalization, and behavior issues.

If you live in a household with multiple pets, the benefits are even greater. Pumpkin plans give you a 10% discount for each additional pet, plus they cover older pets that often don’t receive coverage because of their age. The monthly premiums change depending on your cat’s age and breed. The maximum annual coverage for cats is $15,000, but they cover up to 90% of expenses once the deductible is met.

Thankfully, Pumpkin also values customer service. They are available 24/7 through their app and have a short waiting period for insurance to kick in. If you don’t use the plan within 30 days, they have a money-back option. The downsides to Pumpkin are that they don’t have unlimited coverage options, and they don’t usually cover routine care.

3. Lemonade Pet Insurance

Lemonade is a high-ranking pet insurance company that offers competitive prices for dog and cat pet insurance. Their plans offer extensive coverage for hospitalizations, procedures, diagnostics, emergency care, accidents, illness, and medication. Lemonade is easy to apply to and gives you a start quote with 80% reimbursement and a $250 annual deductible. Their max payout for this is $20,000. It is possible to adjust these values if you wish. The highest annual payout, however, is $100,000.

Lemonade’s coverage is very similar to other pet insurance providers. Unfortunately, they do not cover routine wellness exams or vet fees. They also do not cover pre-existing conditions or behavioral treatments. They also require a full medical exam within 12 months of enrolling with them.

4. Embrace Pet Insurance

One of the issues that embrace pet insurances focuses on is dental illnesses, which not many other pet insurance companies cover. Despite this, their basic coverage is extremely affordable at only $6 per month for cats. Their plans cover rehabilitation, emergency care, hospitalization, surgery, medications, prosthetics, and behavioral therapy.

Routine care is not covered, but they do offer a wellness rewards plan that reimburses up to $650 every year. Deductibles are set between $100 and $1,000, with a reduction every year you don’t file a claim.

5. ASPCA Pet Health Insurance

Another excellent insurance option for your cat is the ASPCA pet health insurance. The biggest benefit to this company is that you can visit any vet in the United States or Canada since no network is required. The monthly premiums are still affordable, but there are no unlimited coverage options. They also have limited plans that only cover accidents, illnesses, hereditary and congenital conditions, and behavioral health issues. Thankfully, they make up for this with a multi-pet discount and reimbursements for alternative pet therapies.

6. Nationwide Pet Insurance

Nationwide is a common name you hear in the insurance world. It’s nice to know that they cover all animals, including exotic ones, but they do tend to be a little pricier than other companies. Monthly premiums are low for cats and start at around $18 per month. Their pet wellness plans only cover preventative care like heartworm and parasite prevention, vaccinations, and fecal tests. Still, they have good coverage that covers 90% of accidents, illnesses, surgeries, hospitalizations, prescriptions, vaccines, hereditary conditions, wellness exams, and other medical conditions for cats of all ages. Their customer service isn’t as big of a priority as other companies, which is a turn-off to many pet owners seeking insurance.

7. Healthy Paws Pet Insurance

Healthy Paws is another affordable pet insurance option to purchase for your cat. They only offer one comprehensive plan that covers all illnesses, accidents, surgeries, hospital stays, and prescriptions. However, you can still visit any licensed vet in the United States.

The biggest downfall to using Healthy Paws is that they limit coverage for pets over the age of 6, which is rather young. These pets also require a physical exam within 30 days of coverage. They do not offer preventative care either, and you’ll be charged a one-time fee for using them. Even though they don’t have the best coverage plans, they are affordable for most people on a budget.

8. USAA Pet Insurance

Although Embrace technically provides a policy through USAA, this is a great way to save some money if you are already a USAA member. Members are able to save over 25% on their pet insurance. The coverage is the same as Embrace, but you don’t get as many of the options if you go through Embrace yourself. You can submit claims at any time, but there is no online chat support and minimal information on their site.

9. Trusted Pals Pet Insurance

Trusted Pals insurance provides standard coverage with no maximum age limit. They cover vet visits, hospital stays, surgeries, lab work, and medications. They also have an optional wellness plan and four different premium options. Deductibles are as low as $0 or as high as $750, with reimbursement ranging from 70% to 100%. Even though the coverage is decent, there are some pet conditions that could take up to 12 months for coverage.

10. Pet First Pet Insurance

Pet First is a good insurance company to choose if you prioritize preventative care. Their plans cover vaccines, dental, spaying and neutering, behavioral training, and other preventive care. They offer three different plans, all with a $250 deductible band 80% reimbursement. However, each treatment carries its own limit per policy term. Annual limits are also low, with the highest at $10,000.

Buyer’s Guide: Selecting the Best Pet Insurance for Cats

What to Look for in Pet Insurance for Cats

Take a good look at your finances before purchasing pet insurance. Your finances are going to tell you how much you can afford to pay monthly, and then you can take that budget and look for plans that fit it. Each policy has different types of coverage and price points. Better yet, some are customizable to fit your exact needs.

Policy Coverage

There are so many different types of policies that it can be hard to choose. Take a moment to sit down and figure out what your priorities are for your cat. Do you prefer to have wellness and prevention coverage, or does your cat require more vet trips because of a condition they have? Try to find a policy that covers what you’re actually needing.

Customer Service & Reputation

Customer service is a crucial part of the buying process. You don’t want to work with a company with horrible customer service. There are many companies today that are available to you at all hours of the day. Some even let you submit claims at any time.

Price of Policy

The price of the policy is something you need to consider beforehand. You don’t want to pay for something out of budget, but you also want to know you’re paying for something that is worthwhile. Compare your top companies side by side and review their policy plans. Make a pros and cons list of each to determine which is the best fit for you.

Plan Customization

Not all companies allow you to customize your insurance plan, but those that do are worth looking at. Sometimes your cat’s needs are very specific, and it’s nice to know that you’re only paying for services that you know are going to be beneficial for their well-being. While some set plans are great, many people benefit from a customizable one.

FAQ

Can I Get Pet Insurance Outside the U.S.?

Just because you buy pet insurance outside of the U.S. doesn’t mean you’ll be able to use it there. Some companies are applicable to other countries, but this varies from company to company.

Does My Vet Accept My Pet Insurance?

This is an issue that you’ll likely have to discuss with your vet. Not all vet offices take all pet insurances. If your insurance isn’t covered, consider finding a new vet or a new policy that they do accept.

Why Doesn’t Insurance Cover Pre-existing Conditions?

Because pre-existing conditions occur before you bought your policy, some companies will not cover these issues. This rule is in place because then people would just wait until their cats got sick before buying and using the insurance.

What the Users Say

It’s hard to say what is going to happen to your cat in the future. Pet insurance is a way to protect yourself against unexpected veterinary bills. Most pet owners end up paying for things out of pocket and struggle to afford them. Pet insurance offers you some comfort for a low monthly price.

Conclusion

When shopping around for pet insurance, keep in mind that you want to do what is best for your cat. Some people prefer a basic policy with good overall care, and others need something a bit more specific. Whatever you do, make sure it fits in your price range and is a good investment before biting the bullet. It can often seem like pet insurance is a waste of money, but you never know what could happen, and having a plan is the best way to protect your fur babies.

Featured Image Credit: Rawpixel.com, Shutterstock

The post 10 Best Pet Insurance for Cats (2024) – Unbiased Cost & Coverage Comparison by Hallie Roddy appeared first on Catster. Copying over entire articles infringes on copyright laws. You may not be aware of it, but all of these articles were assigned, contracted and paid for, so they aren't considered public domain. However, we appreciate that you like the article and would love it if you continued sharing just the first paragraph of an article, then linking out to the rest of the piece on Catster.com.