It's crucial to know the cost and exclusions of cat insurance before purchasing it. Also, make sure you know which plans include coverage for accidents and illnesses. Comprehensive coverage for cats is expensive so it's important that you select the best plan. Accident-only policies can be affordable and provide additional benefits such as lower deductibles.
Cat insurance rates
Cat insurance is a great way for your cat to save money on vet visits. It can cover routine checkups and help reduce co-payments for more common procedures. You need to compare rates and plans to get the best coverage. It may be more expensive for cats with preexisting conditions to be insured.
In general, pet insurance policies will reimburse as much as 90% of vet costs. They may also include deductibles depending on which plan you choose. These are typically around $200.
Exclusions
Cat insurance coverage provides protection for your cat against any unexpected illness or accident. It is generally available for cats aged eight weeks and older, but the policy also covers those up to nine years of age. It will list the medical expenses it will cover and will also detail any exclusions. 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 do not cover treatment for pre-existing condition, such as dental issues, or any other conditions. Pre-existing conditions are something you need to tell your insurer before you purchase a policy.
Cost of comprehensive pet coverage
The costs of pet insurance can be very high. Your policy costs will vary depending upon where you live. Pet insurance in cities is more costly than rural areas. You may also have to pay more for more advanced services and treatments. Comprehensive pet insurance may be a great financial tool for those who are willing to pay higher premiums.
You will need to have the right amount of coverage depending on your pet's type, gender, age and breed. The monthly premiums will go up if you have a higher limit. It is also possible to get reimbursement in different percentages. Some companies will only pay 60 % of the vet bills. Other companies will pay upto 90%.
Cost of wellness plan
You and your cat should choose the right plan when it comes down to cost for wellness plan insurance. These plans can cover everything from dental cleanings, to fecal examinations for parasites. Many plans also offer a yearly cap on the maximum 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. The average owner can save $223 on covered items by putting the cost of wellness plans into their budget. There are limits to the number of vaccines that certain plans will cover in a given year. For example, the best plan for wellness covers up to $15 per year for a rabies shot.