Cat Insurance – Pros and Cons

Posted by on June 24, 2012 | No Comments

Animal insurance can save you money in the long run. Cats particularly tend to run up expensive bills when they get into their later adult years with illnesses like UTI infections, kidney issues, cancer, and even a stroke. While cat insurance offers some lessening of these costs, it doesn’t work the same way as human medical insurance.

No Vets Accept Animal Coverage – It’s Up to You to File

It will be tough to discover a vet willing to not charge you on the spot for your appointment and instead take your insurance. Since pet insurance is very variable from pet owner to pet owner, your veterinarian will not wish to end up losing money seeing as there had been an inaccuracy on what was covered by your animal coverage policy.

How Cat Insurance Works

How insurance for cats and dogs works is that you buy an animal insurance plan through a supplier and then submit your vet bill to them for compensation. Cat insurance generally only covers procedures that are not routine, so your vaccines, check-ups, and basic vet care will not be refunded to you.

There are some pet cover providers like Pet Assure that rather than covering certain expenses will supply rebates on all services, including office visits, tooth care, hospitalizing, and surgery for your cat. For other insurance suppliers such as VPI Pet Insurance you are going to need to purchase an additional plan to cover routine procedures, which as of 2011 at best add up to $400 in savings on routine examinations.

Pros and Cons to Cat Insurance

Insurance for cats can be cheap or expensive dependent on how much coverage you elect to buy. The pricetag can be as low as $6 per month for discount on veterinary services or as much as $50 a month, which may include the option for routine care at an additional premium.

Overall, animal coverage is a profitable investment, particularly as your pet ages and incurs more medical problems, which can rapidly add up to the thousands. Most vet plans cover over $10,000 in yearly veterinary costs, so you’re ready for major problems should you want to invest in serious veterinary care, like cancer therapy.

Sally Cathy writes cat articles for Experts123.

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