Pet insurance can help you cover the cost of your pet's medical care, especially if they have certain health conditions. Buying pet insurance can be a confusing process, and you should take your time to make sure you choose the best policy for your needs.
The monthly premium you pay depends on how much coverage you have, your pet's weight, and the place you live. You can get quotes from multiple companies to determine how much you will pay.
Figo Cat Insurance has some of the lowest rates we've seen. It is a great option for those with a low budget. This company offers low-deductible options and co-payments to reduce your out-of pocket costs.
Figo also has a very competitive waiting period. You will have to wait up to one year to file a claim if you already had a pre-existing illness.
Accident-Only Plan
A cheaper option, an accident-only plan covers vet bills for sudden accidents like lacerations, broken bones and torn ligaments. The plan reimburses for diagnostics, exam fees, and other costs.
Get Complete Coverage
You can purchase a complete plan that offers all the benefits of an accident-only policy plus sickness insurance for a little more money per month. This provides reimbursement for cancer, arthritis, heart disease, UTIs, and other common conditions.
ASPCA – This nonprofit organization offers affordable pet insurance premiums with flexible policy terms. They also do not place an age restriction on conditions that are hereditary or congenital. They also have the best veterinary network of any pet insurance provider, which means you can get your cat the care they need when they need it.
Healthy Paws: This top-rated cat insurance company specializes in providing pet owners with a comprehensive package that covers all of the major health issues and diseases your cat might develop, including chronic illness, emergency care, genetic and hereditary conditions, and alternative medicine.
This policy does not cover any non-emergency care for long-term illnesses. This is a serious drawback, since these treatments are often the most costly and result in a substantial out-ofpocket cost.
Trupanion Trupanion provides comprehensive and quality pet insurance coverage, unlike most pet insurers. You don't need to send claims to third parties because its veterinarians will submit them directly to the insurer. The insurer does not have an annual maximum and reimburses based on the veterinary fees in your area.
The following benefits are also available:
This pet insurance provider also offers coverage for wellness and preventive health care. This coverage covers spaying, neutering, dental cleansings, and various vaccines. This coverage includes up to $500 in behavioral therapy per year.
Pawp: The provider offers a digital health center with innovative features that help you monitor your pet's well-being. It also has a team of dedicated veterinarians who are available to assist you in emergencies. It has a $3,000 Savings Account that you can access in the event your pet gets hurt or ill.