Even though pet insurance isn’t required to own a cat, many pet owners find this type of coverage helpful in case of unexpected medical costs. But with so many plans and providers on the market, how do you find the best pet insurance for cats?
The truth is that choosing a pet insurance policy is a personal decision that should take into account your budget, ability to cover unforeseen vet bills, and other factors. In this post, we’ll offer up some of the best pet insurance for cats, and we’ll also share more information about what to look for when evaluating providers.
What does pet insurance cover?
Before discussing the top pet insurance plans for cats, let’s take a step back and talk about what’s covered in this type of insurance.
With a typical pet insurance plan, you’ll pay a monthly premium for your cat to be covered in case of accidents, injuries, illnesses, and hereditary conditions (to name a few). Things like grooming, routine vet visits, and pre-existing conditions are generally not included. However, certain providers allow you to upgrade your plan to lock in “wellness” coverage, which would include regular veterinary appointments.
When you use your pet insurance, you’ll need to pay for the veterinary care up-front. From there, you’ll submit a claim, and your insurer will reimburse you for a certain percentage of the costs (after your deductible). Alternatively, some providers use a benefit schedule to determine how much they’ll cover for a certain procedure.
Which companies provide the best pet insurance for cats?
In the United States, there are quite a few pet insurance providers that offer plans for cats. In fact, many health and auto insurance providers sell pet insurance as an add-on to your existing policy.
Here’s a quick look at three of our top picks for best pet insurance for cats.
Based in Seattle, Trupanion specializes in pet insurance for dogs and cats. When you need to use your policy to pay for unexpected medical costs, the company will reimburse you for 90% of the expenses after you’ve reached your deductible. There aren’t any limits on how much Trupanion will refund you.
Embrace Pet Insurance
Embrace Pet Insurance is another well-known name in the industry that offers coverage for dogs and cats. Its standard pet insurance policy is similar to other providers. You also have the ability to add wellness coverage on top of its plans. With Embrace, you can choose your deductible, maximum, and reimbursement percentage.
ASPCA Pet Insurance
As a pet owner, you’re likely already familiar with ASPCA — but did you know that the organization sells its own pet insurance plans? The company’s plans are in line with their competitors’, and you can bundle preventive care with your plan. Like with Embrace, you can customize your plan so you can pick your annual limit, deductible, and reimbursement percentage.
With any of these insurers, you can rest assured that you won’t be on the hook for huge medical bills. To see how much you’d pay under each plan, head over to the providers’ websites, and submit your details to get a personalized quote.
For more pet ownership resources, check out the PetPonder blog.