What Pet Insurance Works Best for Your Cat

Cats are one of the most common pets kept by people since they are sweet and affectionate. To keep everything secure for you and your feline friend, you’ll need the best pet insurance for your cat.Some say cats are low maintenance pets and some say they are handfuls. Each cat needs insurance that matches their personality.

Types of Insurances for Cats

Pet insurance plans have different coverages to fit each pet’s needs. With that, owners can choose from a variety of plans and pick the one that fits their cat. Having that said, there are also considerations to make when choosing pet insurance.Keep in mind that each company names its coverage plans differently. So compare the types we’ve listed here and find out the best pet insurance for your cat.

All-in Cat Insurance

This cat insurance almost covers everything, including almost 80% of your veterinary bills. This cat insurance covers injuries caused by accidents or even toxic ingestions, as well as various hereditary and congenital conditions.Some behavioral issues such as excessive licking and a few terminal illnesses are also included. Another is cancer, since this is among the most common cat illnesses that can cost a lot.Dental issues are also added to the list. Destructive chewing is also one of the cat habits that cause pet owners to ask for medical care. With all these inclusions, it would be very helpful for cat owners to have pet insurance. Of course, this sounds like the best pet insurance for your cat. But since it covers almost everything, keep in mind that it comes with a high cost.Although this plan could secure everything a cat owner worries about, this may also depend on your cat’s character. Cats are aggressive in nature but some owners discover the opposite.

But whichever cat that is, they could get sick often. They get into accidents and some may even end up harming humans due to their curiosity and feral tendencies.We can say cats are prone to accidents because they are playful by nature. They love running into things, exploring roofs, and even running to and fro on a busy road. As a pet owner, no one would want to keep on getting stressed every time their cats got into trouble.This all-in is a simplified comprehensive coverage with discounts on all add-ons needed for your cat. Check each cat insurance plan to see if you would benefit more or just cost you more.

Complete Coverage with Exclusions

This insurance covers accidents, behavioral issues, hereditary conditions, and illnesses. Though most used the term complete plan, it really comes with a few exclusions. This type of insurance does not cover pre-existing conditions, cosmetic, and breeding costs.Since these procedures are not commonly done to the majority of cats, they are not part of standard medical care. Cats that have inherited diseases from their pedigree would fit this insurance. So it is best to know your cat’s history. If not, visiting a vet may cost at first and save your further expenses when you get the right insurance

Comprehensive Coverage

This kind of insurance not only covers illness and accidents. It also covers prescription medicine, emergency care, testing, laboratory, and hospitalizations. Yet, take note that pre-existing and preventive treatment and spaying are not covered in this kind of plan. As you notice, this plan covers most of the medical concerns, especially ones that involve medication and hospitalization. So it could be the best pet insurance for your cat since accidents and emergencies are part of a cat’s lives. Cats are hard to contain indoors. With this kind of insurance, owners wouldn’t worry too much just in case their cats get into trouble.Comprehensive packages differ for each insurer. Compare the pros and cons of each, as well as the cost and reimbursement conditions. Remember you are purchasing cat insurance for financial relief and not looking forward to your cat’s mishaps.

Accident-only and Add-ons

This insurance is flexible when it comes to the owner’s budget for their pet’s insurance. They offer a wide range of insurance plans that you can choose from. It allows you to choose which medical service you think you’d need for your furry friend.For this insurance, it covers anything that is recommended by the veterinarian. This includes a physical examination, prescribed therapy, diagnosis, and sometimes, treatment for injury or illnesses as well.Some may offer medication until your pet recovers, and even food and supplements. Add-ons can cover those that you might need often.Accident-only insurance is the same with other insurances. It doesn’t cover pre-existing conditions, medications not prescribed by the veterinarian, and hereditary illnesses. Grooming, boarding, and transport are also excluded.Take note that preventive care such as flu shots and vaccinations are also not included in this type of insurance. Though this type of coverage may sound limited, it helps many owners who are low on budget.Customized insurance would fit cats for the reason that it covers almost everything. Since cats cost a lot when it comes to their veterinary expenses, it is wise to have at least a customized insurance policy.When we say customized, this could mean a comprehensive coverage with add-ons or an accident-only policy with add-ons. Add-ons enable any cat owner to choose selective services they know best would be needed for their cat.

More Tips on Choosing Insurance Coverages

The best pet insurance for your cat may not always be the complete package. Always make sure to check with your insurer if the procedures done for your cats are on the list of the insurance plan or not.In most cases, your vet already knows the kind of care your cat needs. This would help you decide what step to do next.Some insurances pay for medical expenses even when you are abroad and these work best if you travel with them. Other plans are separate or one-time policies that work for a single travel period.Another good thing about some cat insurance is owners can also claim on alternative therapies that their pets need. Sometimes, the death of your pet could also be on the list of claims.

Using Your Cat Insurance

You can only say that a plan is the best pet insurance for your cat if you can maximize it. Here, we’ll let you know how to do it.Call your insurer before filing a claim. By doing so, you can prepare the necessary documents needed on the filing of claims. Calling them is the best way to let them know your situation, so always save your insurer’s contact number.When making claims, narrate the exact situation that happened to the pet. If it’s an illness, be sure that you can explain the illness like being familiar with the right medical term. Not knowing so may risk your claim being pushed under exclusions.

Always make sure to file the claim within 30 days from the date of the incident. Doing it earlier is better since each claim can have different waiting periods. Some last for 14 days while major claims take months or a year.

Some claims are not to be filed by you but by the vet or clinic. Most often, you will be informed if you should pay for the service and file the claim. Often, clinics who should file the claim won’t take your payment.Make sure to keep all the invoices from the clinic or hospitals. These will serve as your proof that you’ve paid that amount.In some cases, the veterinarians are listed on the insurer’s list as a partner.

Here, the insurer pays the claims directly to the veterinarian.It often takes the insurer a couple of days to review your documents before paying the claim, so be patient.

Advantages of Having a Cat

If you are still thinking of owning or adopting a cat, it’s best to check if you should get a cat first. Then, check for cat insurance later.Kittens are cute and cuddly but are that all they are? Let’s look at a few things why a cat could be for you.


Once you provide food and water for the cat then they are good to go. Of course, there’s more to that for a low-maintenance pet.Keeping themselves clean is not the pet’s sole responsibility. Regularly replacing their litter box is an important job even for cats who clean themselves. But aside from that, cats need less supervision compared to other pets like dogs.Most of the time, cats can roam around and play on their own.

Cats are Affectionate

Cats are sweet to their owners. They love curling up in your lap or brushing their body against your legs. This action finds to be comforting and even serves as the owner’s stress reliever. It’s the most common way for a cat to show their affection to their owners.

Cats Serve as Pest Controllers

Cats love chasing rats and small pests such as cockroaches or lizards. They even kill them which is a good thing, especially if these pests cause a nuisance to the owners.But of course, getting exposed to these pests is still unclean and unsafe for cats. Always keep your home clean to prevent cockroaches and rats in your home.

Cats Fit Enough on a Small Area

Unlike a lot of dog breeds, cats don’t need a wide area to live in. When owners set up beddings or small houses in the corner of their home, they are already happy with it. This is unlike other pets where ample space like open and wide backyards is a must.

Cats Don’t Need to Be Walked

Cats are not like dogs who need walking time to please their needs. They often roam around and come home whenever they want to. In fact, most cats are satisfied staying at home.

Disadvantages of Having Cats

Here are a few things to keep in mind if you keep a cat. As they say, you can’t pick up a stick without getting the other end of it. If there is good stuff, there are a few disadvantages as well.

Their Fur Shed a Lot

It is normal for cats to shed their fur when the season changes. But that is not the only reason why cats fur shed.Unless you have a hairless breed, there are some medical issues that may cause them to shed.

Their Litter Boxes Stink

Cats litter smells terribly, so regular cleaning has to be done. As a responsible owner, one must make time and schedule in replacing cat litters.

Cats Have Uncontrollable Habits

Cats by nature have a habit of scratching posts. This habit can cause damage to the furniture at home. They can never stop even by training them because it’s their nature, so it’s something you have to live with.But don’t worry, since there are solutions to this issue. One way is to provide them with scratching posts.Some cats love nibbling grass or stuff they see at home, and this causes them to vomit occasionally.

High Veterinary Bills

When a cat gets sick, it usually costs a lot because they are sensitive when they get some illnesses. Regular check-ups, thorough laboratory tests, and imaging are usually part of a visit to the vet.Finding the best pet insurance for your cat will definitely help ease the burden of these bills.

Cats Are Vocal

Cats are one of the most vocal pets on the list. They could meow all day since they enjoy making sounds and vocalizing most of the time. They meow when they’re hungry or want something like attention. So before considering a cat, you should be sure their noisy meows are fine to deal with.There are people who can take on the pros and cons immediately. Some would take time to adapt and others need to experience and see if they like cats. Each cat owner should be familiar with the knowledge of how cats live their lives. Talking to friends who have cats or even visiting them could help.You have to personally know the behavior of your catsand the activities they love. Owners should always consider the habits and interests of cats before getting one. By being aware of these factors, it would be a lot easier to pick the best cat insurance.Lastly, what pet insurance works best for your cat depends on which cat you have. A kitten, an adult, and a senior cat need different things.The best pet insurance for your cat is one that could help you cost less for the things they need. Be it routine care, surgery, or behavioral therapy, only you as an owner knows what’s perfect for your furry friend.