Pet Insurance for Cats: What to Know

Caring for cats can be rewarding for pet owners, but it can also be stressful (and expensive). If your pet gets sick or has other health problems, you may want to consider paying for care.

But with pet insurance, you can get reimbursed for many types of vet bills and related expenses. Just not possible Save your money In the long run, however, you may also be able to avoid difficult situations where you have to weigh cost against care.

If you’re in the market for pet insurance, get started today with a free quote

Pet Insurance for Cats: What to Know

Understand that not all cat insurance is the same. There are many factors to consider beforehand Buying pet insurance For cats, and better to be well informed before buying. Here are five things to understand:

Pet insurance for cats is generally cheaper than for dogs

You may not realize that cat insurance often costs much less than dog insurance, so it can be more affordable than you think. Accident and illness pet insurance in the US costs $342.84 per year for cats versus $583.91 for dogs. North American Pet Health Insurance Association (NAPHIA).

Because cats are less expensive to treat than dogs.

“In general, cats have fewer medical needs than dogs. For example, cats have fewer vaccination and general preventive requirements,” said Dr. Cherise Roth, chief veterinary officer at Fuzzy, a provider of telemedicine for pets.

not all Pet insurance cover Preventive care, but some plans have this option as an add-on. Either way, it exemplifies how cats often cost less to care for.

You can now get a free pet insurance quote in 30 seconds here.

Some cat breeds are more expensive to insure

Like dogs, some purebred cats are more susceptible to certain health conditions, making them more expensive to insure than others.

Dr. Roth points to the cat Breeding Persians and Maine Coons are generally more expensive to insure.

Another expensive breed can be the Bengal cat. as Pet insurance notes in fullThese cats “are often seen jumping into aquariums, playing with switches, hanging from light fittings, and doing other crazy things.”

Some cat breeds are cheaper to insure

Generally, a domestic shorthair cat is going to be “the most affordable” to insure, says Dr. Roth. Also known as moggies or moggies in the UK, they are mixed-breed cats, which can help make them less susceptible to hereditary health problems that are often found in the breed.

Hybrid breeds that are generally healthier, such as Bombay cats, may also be less expensive to insure.

There are reliable ways to find the right pet insurance for your cat

The first key to finding the right pet insurance for your cat is to shop around. Pet insurance providers can vary in terms of both cost and coverage, so it’s good to see what your options are.

“Many are going to cover things like telemedicine visits, wellness plans and training, while others don’t,” says Dr. Roth.

You’ll probably want to get specific quotes to understand the cost of pet insurance for your own cat, as it may differ from the average.

“Compare each pet’s age, breed and medical history. You may have to fill out very similar forms several times but this allows you to be able to compare your pet’s actual policy cost instead of an estimate,” notes Dr. the chariot

If you can insure your pet as a kitten, or at least as young as possible, so be it Financially advantageous.

“The younger the pet, the lower the cost of the policy,” says Dr. Roth

Finally, don’t be afraid to ask Pet insurance policy provider question or Go over the plan with your vet Choose the one that makes the most sense for your situation.

You can start checking prices with Pet Insurer Lemonade right here or use the table below to compare some of the top providers.

Paying your own vs. pet insurance

In some cases, such as with older pets, it may be better to create your own financial plan to pay for care rather than carrying pet insurance. And remember that you may decide to forego care later in your cat’s life based on their comfort rather than cost.

“Once a pet hits a certain level of health, you want to start considering the quality of their life rather than the quantity,” says Dr. Roth.

Still, it’s better to have alternatives than feel like you have to make gut-wrenching decisions, such as running into debt or skipping treatment, especially later in your pet’s life.

“Having financial flexibility in place helps make the tough choice of when to say goodbye a simple, yet heartbreaking, decision,” adds Dr. Roth.

In many cases, Have pet insurance At least that removes financial concerns from the equation. And it can be life-saving in some cases.

Many cats “survive and thrive after an emergency, or live a wonderful life while we manage a chronic illness. Without this resource of insurance, all those lives would be cut short,” said Dr. Kelly Diehl, senior scientist program and director of the Morris Animal Foundation. Communication Advisor.

So, you may decide that getting pet insurance for your cat is worth it for your peace of mind and ability to give your cat the care it needs, let alone the potential financial savings it could make.

Not sure what it will cost to insure your cat? Answer a few short questions and get a free online price quote here now.