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Do you really need Cat Health Insurance?

Cats will visit the vet half as often as dogs according to the American Veterinary Medical Association. But when cats do require veterinary attention the cost of treatment can be significant if you don’t have cat health insurance.

Not being prepared for a large vet bill can be a shock. And when your loved one is in need, you want to make a medical care decision, not a financial one.

Routine care costs can add up too, especially for a young kitten. In its first year of life a kitten will need vaccinations, disease testing, de-worming, spaying or neutering and microchip identification. Also, more than adults, kittens can suffer from infectious diseases, nutritional problems and traumas from accidents.

As a cat ages, common cat illnesses include dental problems, urinary tract infections, upper respiratory infections, feline panleukopenia, chronic kidney failure and feline diabetes.

Whatever age of your cat, being prepared with cat health insurance can be a wise move.

Compare Cat Insurance

Before you run out and buy cat health insurance it is best to take a close look and compare cat insurance plans to make sure you are getting the right pet insurance policy for you and your cat.

To begin with, does the insurance company you are considering cover hereditary or chronic conditions? Many pet insurance companies will exclude common hereditary or chronic conditions. It is very important that you know exactly what and what isn’t covered under the plan you are considering. Don’t wait to find out when you file your first claim and it gets denied.

Also look into plans that offer elective procedures if you are planning to get your cat declawed in the future. If declawing is covered make sure that both front and back paws are covered.

If you have a younger cat you may want to look into accident coverage. Kittens and younger cats are much more likely to get into accidents than mature cats. More than enough reason to consider cat health insurance.