Most of us are familiar with health coverage for people. Whether offered through your employer or purchased individually, insurance plans can save a family in the unfortunate event of an accident or illness. But what about the four-legged family members? With veterinary and animal pharmaceutical costs on the rise, many vet offices and vendors are now offering owners a wide variety of insurance plans tailored solely towards the care of their companions. But is this peace of mind really worth the cost cat owners will face paying each month for their feline friends?
Pre-Existing Conditions: When Insurance May Not Pay
One of the biggest factors in determining whether or not pet insurance is best for you is the current health of your cat. The best candidates for policies are kittens and cats who are in good health. However, if kitty has had a long-term or incurable illness, such as FIV, owners may want to research the policy carefully before deciding to sign on the dotted line. Many insurance carriers will not cover future treatments for anything pertaining to the pre-existing condition.
Veterinary Vs. Vendor – Does It Matter?
Another decision cat owners will be faced with is whether or not to go through the finance plans offered through their veterinarian’s office or instead go through a third-party vendor. This is largely a personal decision, as each offers its own perks. If Fluffy has been going to the same vet for ten years and you feel comfortable having her in the hands of people who know her, then health insurance for cats through your vet’s office could be the best option. But if you’re willing to try someone new, independent insurance can save cat owners significant savings, sometimes including free routine checkups and shots!
No matter whom you choose to be your carrier, pet insurance is a wise investment for cats of all ages. Owners can rest assured that, no matter what, their loved ones will be well taken care of in their time of need without emptying their bank accounts.