Before purchasing cat insurance, it's important to understand its cost and exclusions. It is important to know what policies include coverage for illness and accidents. Comprehensive coverage for cats can be costly, so it's important to choose the best plan for your needs. Accident-only plans can be inexpensive and offer additional benefits like reduced deductibles.
Cost of insurance for cats
Insurance for cats is an excellent way to reduce the cost of vet visits. It may cover routine checks, as well as reduce co-payments. You need to compare rates and plans to get the best coverage. Cats with pre-existing conditions may also be more expensive to insure.
In general, pet insurance policies cover as much as 90% of vet bills. They can also have deductibles, depending on the plan. These typically range from $200 to $250.
Exclusions
Cat insurance coverage provides protection for your cat against any unexpected illness or accident. The policy is usually available to cats eight weeks old and older. However, it also covers cats up to nine years old. It will explain what medical expenses it covers and also list any exclusions. For instance, it will not cover pre-existing conditions, which are illnesses or injuries that existed before the policy began.
Some policies will also exclude elective procedures, such as vaccinations and flea and worm treatments. Some policies won't cover pre-existing medical conditions like dental problems and other conditions. When you buy a policy for your pet, it is important to inform your insurer about any pre-existing conditions.
Cost of comprehensive pet coverage
Pet insurance can be expensive. Your policy will vary depending on where and how you live. Pet insurance can be more expensive in cities than it is in rural areas. Additionally, you might have to pay more for advanced treatment and services. Comprehensive pet insurance can be a valuable financial tool, if you're prepared to bear the higher cost.
There are several factors that affect the amount of coverage you need. These include your type of pet, gender and age as well as the breed of your pet. The monthly premiums are higher if there is a greater limit. There are also differences in the percentages of reimbursement. Some companies will only cover 60 percent of vet bills while others may pay as high as 90%.
Cost of a wellness program
It is important to find the best wellness plan for your cat. These plans include everything, from dental cleanings to parasite testing. Many plans offer a cap on the amount you can claim per year. Most plans offer a maximum of $200-300 for basic plans, but more expensive plans can have a limit as high as $500.
The best plans offer a $535 annual benefit and cost only $26 per calendar month. If you budget for wellness plans, you can save $223 per year on the costs of covered items. There are limits to the number of vaccines that certain plans will cover in a given year. For example, the best plan for wellness covers up to $15 per year for a rabies shot.