PetPlan USA is one of the oldest insurers for pets around. Dog & cat medical insurance is there when you need it. Visit our website to learn about coverage.
The time-limited insurance plan usually covers your cat’s medical needs for injuries and sickness over a fixed period of time, which is usually 12 months. This type of health insurance also comes with a fixed price, which means that if your bills exceed the price, you’ll have to pay the rest on your own.
The price of the different types of cat insurance is actually quite relative. There’s no ultimate price, since the fees depend on your cat’s breed, age, genetics, current health, possible medical complaints, health history, and so on. It also depends on your own current whereabouts and on your own financial status. But before we delve deeper into prices, let’s review the four types of pet insurance again, only this time in further detail.
Cat Insurance | Compare Nationwide Cat Health Insurance Plans & Cost
Pet Insurance for Dogs & Cats with ASPCA Pet Health Insurance
In order to select the best cat insurance policy, consider what types of coverage are most important to you. All the companies on this list offer excellent medical coverage for pets, but some of them also offer specialty plans that cater specifically to common cat injuries and illnesses. Others stand out by offering relatively more discounts or customization options. Whether you want wellness coverage for your cat is another thing to consider. The four companies listed here are good places to begin if you’re unsure of what type of policy is best for you and your cat.ASPCA consistently offered some of the most affordable pet insurance in all of the cities we tested. If you’re interested in purchasing a basic level of coverage for your dog or cat, the Level 1 plan makes a good choice. It only covers accidents, but that’s what makes it significantly more affordable than many other policies out there. With this policy, your pet is protected if she or he suffers a serious injury that requires medical treatment. It covers all costs including hospitalization and surgery costs up to $2,500 per incident. In addition, ASPCA has three more levels of coverage available that offer higher benefit limits and coverage for illnesses and behavioral therapy as well. These plans are obviously going to be more expensive than the Level 1 plan, but they could be good choices if you want more comprehensive protection for your pet. PetPremium is another good company to go with if you’re looking for cheap pet insurance. They offered rates very similar to ASPCA for both dogs and cats. Like ASPCA, their most affordable plan only covers accidents, but this can be a good option if you’re just looking for a little emergency protection in case your dog or cat gets into an accident. It covers everything from surgeries to medication to rehabilitation. If this doesn’t offer the level of protection you’d like, you can always opt for one of the three other plans PetPremium offers, though some of these are a bit pricier. However, they also offer much more coverage for illnesses and higher limits on benefits. If you've ever had a pet that was seriously injured or ill, where you spent hundreds to perhaps thousands of dollars for your pet to be treated, you are likely more receptive to the idea of buying pet insurance. In fact, in hindsight, you've probably thought that pet insurance would have come in handy. You may have even purchased pet insurance just because of such an event.
On the other hand, if your pets have always been relatively healthy and you've never been faced with a large, unexpected vet bill, you might be thinking, "Something like that has never happened to me and probably won't, so buying pet insurance would just be a waste of money." Unfortunately, you can't tell the future, and while they say "hindsight is 20/20," it's too late to do you much good.
Perhaps you know some pet owners who scoff at the notion of spending much money at all on their pets. They have the attitude that if anything were to cost more than say $500, they'll just have the pet euthanized and go out and get a replacement pet. Pet insurance would indeed be a waste of money for these pet owners.
Surveys have been done asking pet owners how much they would spend to save their ill or injured pet. A large percentage of pet owners respond that they would be willing to spend "any amount" to save their pet. It has been my experience as a veterinarian, however, that when I present the cost of a diagnostic and treatment plan to pet owners, and it's no longer a theoretical question on a survey - but reality, some aren't so sure of the answer anymore.
Often, your veterinarian will want to refer serious emergencies or complicated surgeries or medical cases to a specialty or emergency hospital. Specialty and emergency hospitals (when needed) play an important role in providing quality healthcare for your pet, and can often be the difference between the successful or unsuccessful treatment of your pet. But because these hospitals often deal with life-threatening problems that need intensive care, the fees are usually higher than what you would pay at your regular veterinarian's hospital.
I believe specialization in veterinary medicine will only increase in the future. Therefore, odds are that your veterinarian will refer your pet to an emergency or specialty hospital one or more times during your pet’s lifetime. This will usually involve a large and often unexpected veterinary bill.
So, if your pet were seriously sick or injured and required major surgery and/or an extended hospital stay, would you be willing to spend $5,000 or $10,000 if required? If your answer is yes, but you’re worried about how you would afford it, then you should at least look into purchasing pet insurance.