PET INSURANCE CATS

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Surprisingly few people have cat health insurance - Cats, in particular, are generally not covered. Yet, more and more owners want to take the best of care of their cats and that care sometimes gets very expensive. What to do? Make your cats Pet Insurance Cats.

Veterinary medicine has, over the last few years, acquired a degree of technology and capability that is comparable to that of human medicine. High-tech diagnostics, intricate surgeries, cancer treatment, and even organ transplants have become a part of our pet's lives.

Granted, there are a few people who still say that a cat is a cat and when they are too ill or have sustained traumatic injuries, then it's simply time to euthanize them and get another cat. If you share those beliefs, then this article is not for you. Even affordable pet insurance is out of the question for some pet owners, simply because they take a pragmatic approach to their animals. If the cost of treatment got too high, they would choose to have the animal put to death.

But, as Liz Pulliam Weston from MSN money writes ..."many who think they'd draw the line at a certain dollar amount find their convictions wavering when the time actually comes. The kids are crying, the vet says a treatment would be successful, and some parents break down and spend the money. It can be a very emotional situation".

There's another type of person - one who would do anything to save their cat, including spending thousands of dollars on pet medical or surgical care. If you belong to this group, it's time you signed up for pet health insurance, a preferable alternative to going into debt. It's time your cat joined Pet Insurance Cats!

Treatments once reserved for humans are now available for pets. However, these state-of-the-art treatments may cost from $1,000 to more than $5,000. How do you afford high-cost care for yourself? Hopefully, you have health insurance. Well, your CAT needs CAT Health Insurance!

You have to be careful, however. Not all pet insurance policies are created equally. Pet care insurance is similar to your own health insurance - many plans have deductibles, maximums, and even co-insurance.

There are SO many different companies these days. VPI (Vet Pet Insurance) is one of the oldest and largest, but there are many others now such as QuickCare Pet Insurance. It is essential that you compare pet insurance companies. When you're deciding which plan to sign up for, you have to evaluate not just the monthly or annual cost, but also the differences in deductibles, co-pays and caps, which may limit payouts by incident, annually, or by the animal's lifetime.

For example, some insurers will pay 80% of the costs for treating your pet's illness, others will pay 100%. Make sure you select an insurer that provides the coverage you need to cover your Pet Insurance Cat in the best way.

Generally you can visit any vet you like. Pre-existing problems and hereditary conditions are normally excluded. If your pet has a pre-existing medical condition, make sure this is not excluded from your policy. It doesn't make sense to buy a policy that won't pay when you need it. Low cost pet insurance can instead be costly if it doesn't pay for anything!

There are a few companies that cover hereditary and chronic conditions. Scrutinize policies and understand their exclusions. The conditions most likely to afflict your pet are often the ones most likely to be excluded from a policy.

Check to see if your insurer excludes or charges a higher premium for your breed.

If you have more than one pet, ask if they offer a multiple-pet discount. Many cat owners have more than one cat and you obviously will want to make all of your cats Pet Insurance Cats so you will definitely want a company that offers a discount for multiple cats.

Make sure you understand what you are buying. Some policies cover only accidents, most cover accidents & illness, and a few offer comprehensive coverage, including preventive care (checkups, vaccinations, neutering, etc.) along with accident and illness coverage.

Some pet insurance companies will even cover you in Canada, Mexico, and other parts of the world when you are on vacation.

Review any age limits for coverage. Some insurers start coverage right away, some require the pet to be 8 weeks old. Some don't cover pets over 8 years old, some have no age limit. Others levy stiff surcharges.

The elderly years are more likely to be the times you need the insurance most so be very careful about reading the policy before you buy. Most pet insurance companies will issue a new policy to pets aged 8 weeks to up to 8 or even 10 years old, sometimes older if your pet undergoes a medical exam.

Usually there is a waiting period and some pre-existing conditions may be excluded temporarily or permanently from your policy. The waiting period is the time between signing up for insurance and the date full coverage begins. Most pet insurance companies have a waiting period between 2 and 14 days for accidents and between 14 and 30 days for illnesses. The waiting period prevents someone from taking out insurance immediately after an accident or illness.

There are many pet insurance companies from which to choose. The largest or oldest is not necessarily the best. Again, it is very important to compare policies to each other and to your needs. Many companies offer totally customizable pet insurance. Choices can include flexible pricing options, a fully customizable policy, a sleek online signup process, and a website with tons of info.

A few companies have added a wellness program that has no deductible, copay, nor waiting period. Some donate a portion of your premium to a pet-related charity.

Whatever your needs, be sure and compare pet insurance policies carefully. Every company will provide you with a pet insurance quote. However, there is much more to consider than price alone.

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