It is important to fully understand the exclusions and costs of cat insurance before you purchase it. Also, make sure you know which plans include coverage for accidents and illnesses. Comprehensive coverage for cats can prove costly so make sure you choose the right plan. Accident-only policies can be affordable and provide additional benefits such as lower deductibles.
Cat insurance rates
Insurance for cats is a great way to make vet visits more affordable. It may help cover routine checkups, and reduce the cost of co-payments for common procedures. However, it's important to compare prices and plans to find the best coverage. Cats with pre-existing conditions may also be more expensive to insure.
In general, pet health insurance policies reimburse up to 90% of vet bills. There may be deductibles depending upon the plan. These typically range from $200 to $250.
Exclusions from coverage
Cat insurance is a way for your cat to be protected against unanticipated illnesses and accidents. 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. Pre-existing conditions are diseases or injuries that were present before the policy began.
Some policies will also exclude elective procedures, such as vaccinations and flea and worm treatments. Some policies will not cover treatments for pre-existing conditions, such as dental problems, and other conditions. Pre-existing conditions are something you need to tell your insurer before you purchase a policy.
Cost of comprehensive pet insurance
When it comes to pet insurance, the costs can be quite high. Your policy costs will vary depending upon where you live. Pet insurance can be much more expensive in cities than in rural areas. In addition, you may have to pay more if your pet needs more advanced care. Comprehensive pet insurance can be a valuable financial tool, if you're prepared to bear the higher cost.
The amount of coverage you need is based on several factors, including the type of pet, gender, age, breed, and zip code. The higher the limit, the higher the monthly premiums will be. Also, reimbursement percentages vary. Some companies will only pay 60 percent of the vet bills, while others will pay up to 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 have a maximum annual limit on the amount that can be claimed. 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 cost $26 per month, and provide an annual benefit worth $535. By incorporating wellness plans into your budget, the average owner will save $223 on eligible items. Some plans may have limitations on how many vaccines they cover each year. For instance, the best wellness plans cover up to $15 for rabies vaccinations.