Pet insurance will help cover the costs of medical care for your pet, especially if it has certain health problems. Choosing the best pet insurance for your needs can be confusing.
You'll have to pay a monthly premium based on your coverage, the weight of your pet, and where you reside. You can find out how much you'll be paying by getting quotes from several companies.
Figo offers one of the most affordable cat insurance premiums that we have seen. It's a great choice for people on a tight budget. This company offers low-deductible options and co-payments to reduce your out-of pocket costs.
Figo also offers competitive waiting periods on accidents and illnesses. You have to be patient for up to a full year before you can make a claim.
Accident-Only Plan
A cheaper option, an accident-only plan covers vet bills for sudden accidents like lacerations, broken bones and torn ligaments. This plan also covers diagnostics and exam fees.
The Complete Coverage plan
You can purchase a complete plan that offers all the benefits of an accident-only policy plus sickness insurance for a little more money per month. This plan reimburses for cancer, UTIs (Uterine Tract Infections), arthritis, heart diseases, and more.
ASPCA – This nonprofit organization offers affordable pet insurance premiums with flexible policy terms. They also do not place an age restriction on conditions that are hereditary or congenital. 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 is a top-rated cat insurer that offers a comprehensive insurance package for pet owners. This includes coverage for chronic illness, emergency medical care, genetic or hereditary conditions, alternative medicine, and genetic and inherited conditions.
The only drawback of this policy is the fact that it does not include non-emergency long-term treatment. This is a huge drawback as many families find that these are the most expensive treatments, and may require a high out-of-pocket expense.
Trupanion : Trupanion, unlike many other pet insurers is dedicated to providing comprehensive and quality coverage for you pet. Its veterinarians submit claims directly to the insurer, so you don't have to worry about sending them to a third-party. It does not have any annual maximums, and it reimburses you based only on the actual veterinary costs in your region.
There are other benefits:
A cat's wellness and prevention care is covered by this company. The coverage includes sterilization, dental cleanings and vaccinations. This coverage includes up to $500 in behavioral therapy per year.
Pawp has an innovative digital center to manage your pet’s health. They also have a team dedicated of veterinarians that can help in emergency situations. It has a $3,000 Savings Account that you can access in the event your pet gets hurt or ill.