It is important to fully understand the exclusions and costs of cat insurance before you purchase it. Be sure to find out which plans provide coverage for injuries and illnesses. Comprehensive coverage for cats may be expensive, so it's important you choose the right plan. Accident-only insurance plans are affordable and often offer additional benefits, like lower deductibles.
Cost of insurance for cats
Insurance for cats is an excellent way to reduce the cost of vet visits. Insurance for cats can help pay routine checks and lower the cost of common procedures. However, it's important to compare prices and plans to find the best coverage. It may be more expensive for cats with preexisting conditions to be insured.
In general, pet health insurance policies reimburse up to 90% of vet bills. Depending on the plan, they also have deductibles. These usually range from $200 to $200.
Exclusions from coverage
Cat insurance coverage provides protection for your cat against any unexpected illness or accident. It is generally available for cats aged eight weeks and older, but the policy also covers those up to nine years of age. The policy will detail the types of medical expenses that it will pay and the exclusions. It won't cover pre-existing condition, which is a condition that exists before the policy started.
Some policies will also exclude elective procedures, such as vaccinations and flea and worm treatments. Some policies do not cover treatment for pre-existing condition, such as dental issues, or any other conditions. You should inform your insurer if your pet has a preexisting condition.
Cost of comprehensive pet insurance
Pet insurance can be expensive. Your policy may vary depending on where your pet is located. Pet insurance in cities can be more expensive than those in rural areas. Also, advanced treatments and services may cost more. Comprehensive pet insurance can still be a good financial tool if the costs are acceptable.
The type of pet you have, the gender of your pet, age, breed, as well zip code will all impact how much coverage is required. The monthly premiums for pet owners with higher limits will be higher. Also, the reimbursement percentage varies. While some companies will only reimburse 60 percent of vet bills, others will reimburse as much as 90%.
Cost of a Wellness Plan
You and your cat should choose the right plan when it comes down to cost for wellness plan insurance. These plans cover everything, from dental care to parasite removal. Many plans offer a cap on the amount you can claim per year. Most plans offer a maximum of $200-300 for basic plans, but more expensive plans can have a limit as high as $500.
The best wellness plans are typically $26 per month and offer an annual benefit of $535. In order to save $223 on items covered, an average owner can include wellness plans in their budget. There are limits to the number of vaccines that certain plans will cover in a given year. For example, the best plan for wellness covers up to $15 per year for a rabies shot.