Pet insurance is a great way to cover the medical costs for your pet. This is especially true if you have a pet with certain health issues. Pet insurance is a complicated process. Make sure to take your time when selecting the policy that best suits your needs.
The amount you'll pay in monthly premiums depends on the type of coverage you get, how much your pet weighs, and where you live. Get quotes from different companies to find out what you will be paying.
Figo Cat Insurance has some of the lowest rates we've seen. It is a great option for those with a low budget. The company offers options for a low deductible as well as co-payments, which will reduce your out-ofpocket expenses.
Figo's waiting periods are also competitive for accidents and diseases. You have to be patient for up to a full year before you can make a claim.
Accident-Only Plan
A plan that only covers accidents (like lacerations, broken limbs, and torn tendons) is less expensive. This plan includes exam fees, diagnostics and reimbursement of vet bills.
Complete Coverage Plan
With a monthly premium that is slightly higher, you can have a full coverage plan which includes both accident insurance and illness insurance. 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. The ASPCA has the largest veterinary network among pet insurance providers, so you can be sure that your cat will get the treatment it needs when needed.
Healthy Paws Insurance: This top-rated insurance company for cats specializes on providing pet owners with an all-inclusive package that covers the most common health conditions and diseases that cats can develop.
The only drawback of this policy is the fact that it does not include non-emergency long-term treatment. This is a serious drawback, since these treatments are often the most costly and result in a substantial out-ofpocket cost.
Trupanion: Unlike many pet insurers, Trupanion is committed to providing extensive and quality coverage for your pet. You don't need to send claims to third parties because its veterinarians will submit them directly to the insurer. It also has no annual maximums and reimbursements are based on veterinary charges in your area, not averages or customary rates.
There are other benefits:
This pet insurance provider also offers coverage for wellness and preventive health care. The coverage includes sterilization, dental cleanings and vaccinations. It also includes behavioral therapy coverage for up to $500 per year.
Pawp: It has a digital healthcare center that is innovative and helps you to manage the health of your pets. There are also a team veterinarians on hand for any emergency. This provider also offers a $3,000 emergency savings account for if your pet is injured or sick.