19:14 18 February 2013
Thousands of people adopt cats every year. For this reason, pet cat insurance is available almost everywhere.
These are policies created to protect you against unexpected bills should your cat require medical attention in the future.
Taking out pet cat insurance can be pretty easy as long as you know what you’re looking for. Otherwise, you’ll end up with an expensive policy that will not work for your pet or your pocket.
When taking out pet cat insurance, it’s crucial to understand the breed of cat that you have. Through this, you’ll easily figure out their breed-specification conditions. Armed with this knowledge, it will get easier for you to identify the most appropriate cat insurance.
Low-end cat insurance usually offers your cat with limited protection. This is ideal for cats that are both fit and young. However, keep in mind that this type of policy does not cover protection for chronic conditions and diagnostic check-ups.
For this reason, medium-priced and lifetime cat insurance are considered better options. Compared to low-end cat insurance, these are obviously more expensive but they are more comprehensive.
When taking out cat insurance, always inquire about the insurance company’s policies on caps and limits, how they define a chronic condition, if they offer annual limits on payouts, if there’s an age limit for the cats on the policy, etc.
Take out pet insurance while your cat is still young as age-related illnesses can double or even triple your premiums.
If you’re still unsure on what kind of policy to get, ask for help from your vet. He or she will most likely to give you an expert opinion on the best policy suited to your cat’s needs and of course, your budget.
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