Understanding the costs and exclusions for cat insurance is crucial before you make a purchase. You should also know what plans offer coverage for illnesses and accidents. Comprehensive coverage for cats may be expensive, so it's important you choose the right plan. Accident-only plans can be inexpensive and offer additional benefits like reduced deductibles.
Cat insurance cost
Cat insurance can be a great option to lower vet bills. It may help cover routine checkups, and reduce the cost of co-payments for common procedures. To get the best coverage, compare prices and plans. It may be more expensive for cats with preexisting conditions to be insured.
In general, pet insurance policies cover as much as 90% of vet bills. There may be deductibles depending upon the plan. These are typically around $200.
Exclusions
Cat insurance coverage protects your cat from unexpected illnesses and injuries. The policy is usually available to cats eight weeks old and older. However, it also covers cats up to nine years old. The policy will outline the kinds of medical expenses it will cover, and it will also tell you about the exclusions, or things that are not covered. It won't cover pre-existing condition, which is a condition that exists before the policy started.
Some policies do not cover elective procedures like flea and/or worm treatments. Pre-existing conditions such as dental problems or other issues may not be covered by some policies. It is important that you disclose any pre-existing conditions to your insurance company when you purchase a policy.
Cost of comprehensive pet insurance
Pet insurance is expensive. Your policy will vary depending on where and how you live. Pet insurance in cities can be more expensive than those in rural areas. Also, advanced treatments and services may cost more. But if you're willing to pay the higher costs, comprehensive pet insurance can be a great financial tool.
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 are higher if there is a greater limit. Also, reimbursement percentages vary. While some companies will only reimburse 60 percent of vet bills, others will reimburse as much as 90%.
Wellness plan cost
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 include a yearly limit on the maximum amount you can claim. The most basic plans have a maximum limit between $200 and $300, while more expensive plans might have a limit of $500.
The best wellness plans typically cost $26 a month and provide an annual benefit of $535. The average owner can save $223 on covered items by putting the cost of wellness plans into their budget. Be aware that some plans limit the number and types of vaccines they can cover per year. For example: The best wellness plan will cover $15 for rabies vaccine.