How to find pet insurance for your new kitten

Getting a new kitten involves a bit of preparation: getting food and water bowls, tidying up the location of the litter box and its bed, choosing a variety of toys. Ill health is not something you think about with a kitten, but it prepares you to be ready for the unexpected. For that reason, purchasing pet insurance should be on your kitty to-do list.

Why insure a cat?

As a general rule, cats are less prone to health problems than dogs, and those who spend their lives indoors are less prone again. But there is always the unexpected factor and illness or injury can strike any animal, regardless of how safe its environment is.

The quality of veterinary service in the US is among the best in the world, but it doesn’t come cheap. This means that a visit to the vet can be expensive, and unless you have a stash of money saved for this, it can cause real problems. Veterinarians have long known that cat owners have to miss treatment or go into debt to pay a bill.

What does it cover?

Pet insurance is like many other types of insurance: There are a variety of products with different levels of coverage and different benefits. From state to state, there may be changes in what is covered and of course the price. In fact, aside from California, there aren’t even any state regulations on this type of policy, so it’s important to check the fine print.

The basics of coverage include items such as illness and accident, but do not cover annual check-ups or check-ups, as well as the cost of vaccinations. Some policies may cover if the cat gets lost or causes damage to a third party, as well as even money to help advertise them if they do escape. But with most policies, you can pay as much as you need.

You can also get different levels of how much the policy pays: it can be 80%, 90% or 100% of the bill. So the bill could be $1000 and if you choose the first tier the insurance company will pay you back $800 or $900 in the second tier. The more money you get reimbursed, the higher the premium the insurance company will charge.

Other options

If you don’t like the idea of ​​pet insurance, you can always go with the self-insurance idea. This involves opening a bank account for this purpose, putting a set amount into the account each month, and not touching it for anything other than emergencies or illness. Don’t use it for normal check-ups or to buy things kitty needs; put it away and hope you don’t need it until there’s enough money in the account!

Whichever option you choose for your kitten, it’s important to start the plan as soon as the kitten arrives. While that cute little face will bring you love and affection, it can also bring you a big bill from the vet and it’s best to be prepared for it.

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