As a cat owner, you would do anything for your furry friend. But that shouldn’t have to include breaking the bank. Thankfully, kitten insurance can help you cover vet bills for unexpected illnesses and accidents. But with so many options out there, figuring out the right policy can be a challenge.
The type of coverage you need depends on your budget, the likelihood that you’ll need to use it and what medical conditions your pet may develop in the future. Some policies have a maximum payout amount, while others have an annual or lifetime limit. It’s also important to consider whether you need a deductible or not and whether the insurer will pay your vet directly or reimburse you after you’ve paid the bill.
Choosing a company with a good track record is important, as is selecting a plan that offers what you need. You can find out more about the quality of a provider by looking at customer reviews, and seeing how much other people are paying for the plan they have chosen. You can also look for policies that offer a discount for multi-pet owners, military personnel, senior citizens or those who pay yearly instead of monthly.
It’s also a good idea to choose a policy that covers accidents and illness rather than just accidents, as there is a higher chance of needing to claim for illness-related incidents in the future. You should also look for a policy that includes dental care, as this is one of the most common health issues for cats. It’s worth noting that not all policies will cover dental care, so check carefully before you make a purchase.
One of the most important things to think about is the length of time that you want your kitten to be covered for. Figo, for example, offers a lifetime policy that does not expire or require an annual renewal. This can be a useful option if you know that your pet is at risk of developing a long-term illness, as the coverage will remain valid. Alternatively, you could buy an accident-only policy that will not extend beyond the end of your cat’s life, but this is significantly cheaper than a comprehensive accident and illness plan.
Kittens are prone to more accidents than adult pets, and they can be even more likely to get injured by cars, for example. Getting them insured will give you peace of mind that they will be protected in the event of any injury, and this is an easy way to reduce the stress caused by any kind of trauma.
Generally, you will need to pay the full vet bill and provide an itemized receipt before you can claim back from your insurer. You can then submit this to the company via its website, app, fax or mail. The insurer will then review the claim and send you a cheque to cover the cost of treatment. Some companies, such as Trupanion, will reimburse your vet directly, so you won’t need to pay up front and then wait for a refund from the insurer. kitten insurance