Health insurance can help cover the costs of medical care for you and your loved ones if the coverage is used appropriately. Cats are family members, and pet insurance can help ensure they get the care they need without breaking the bank.
As any cat owner attests, owning a cat comes with a significant financial commitment. They provide the best care possible for your cat can be expensive, what with veterinary bills and expensive specialty diets. Pet insurance is a must-have if you want to give your cat the best possible life in terms of happiness and health without putting undue financial strain on your family. It doesn’t matter what type of pet you have or how old it is; purchasing the best pet insurance is a simple and fast process.
Tips for Obtaining Pet Insurance for your Feline
Obtaining full coverage pet insurance for your cat is simple. Some employers provide pet insurance plans, and it’s worth it. At the end of 20171, about 11 percent of companies reported providing their workers pet health insurance as a voluntary perk. If you want to find out if something like this is available for you, talk to your company’s HR or benefits office.
A cat insurance policy can be purchased online from an insurance company if your company does not offer such a benefit.
If your cat is older than seven weeks, it is eligible for insurance coverage. To maximize the insurance’s usefulness, enrolling your cat in a plan is preferable when they’re still young and healthy. However, many companies offering pets insurance have no maximum age limits so that you can ensure your cat anytime.
Remember that your cat’s pet insurance prices could rise as they age.
Step-by-Step Instructions on how to Enroll your Cat in Health Insurance
Take Advantage of Price Estimates
Get your cat’s name, breed, age, gender, and medical history ready to give to the vet. Your name, address, and email address are required, among other information. Filling out the form shouldn’t take more than a minute or two of your time.
Pick a Package that Works for your Lifestyle and Budget
Once you have received an estimate, you may compare the options and pick the one that best fits your demands and budget. All of your pet’s veterinarian care expenditures may be covered by one of the many pet insurance plans available from most companies. Choose the most suitable option for your cat and your wallet.
Cover Yourself by Joining a Plan
Buy the pet insurance policy you’ve decided on right now. Your cat’s breed, age, the amount of coverage you select, and your location will all impact the premium price. Thanks to the agreement with Pets Best insurance providers, all customers who opt for pet health insurance can save an extra five percent on their monthly payments.
Put your Benefits to Good Use
Once your cat is insured, you can take her to any hospital or clinic that accepts insurance in the United States. Also, making a claim won’t impact your regular rates, so feel free to do so as often as you need to.
The Procedure for Claiming on a Cat’s Insurance
Although the specifics of how to file a claim and receive benefits from pet insurance can vary by provider, the process is straightforward. However, it may take time to adjust to the change. These instructions teach the ins and outs of using Pets’ Best pet insurance.
Get a policy ahead of time if you want to take advantage of pet insurance benefits. Pick a strategy, sign up for it, and keep paying the monthly fee.
Verify that the Appropriate Amount of Time has Passed Since your Last Waiting Period
A waiting period, the time following registering in an insurance plan but before coverage takes effect, is standard practice. Pets’ Best waiting times are typically two weeks or fewer, though this can vary by plan type. Accident waiting periods begin accruing on the policy’s effective date and end three days later. The incubation period for diseases is 14 days. When you enroll in a routine care plan, you can begin using it the following business day.
It will help if you Continue Taking your Cat to the Vet as you have Been
Take your cat to the vet if it becomes hurt or sick. Your plan will pay for care at any registered veterinary facility, so you may go to whomever you like—your regular vet, an emergency clinic, or a specialist.
Document your Claim
Send in your claim to your insurer after visiting the vet. Taking a picture of your invoice and submitting it through your Pets Best customer account eliminates the need for paper trails.
Your Pets insurance direct deposits advantages to your bank account instead of your veterinarian. Additionally, claims are often processed within a few days, so you shouldn’t wait too long to receive your compensation.
The State in which you Reside: Pet Insurance Rates Vary by Location
The annual maximum, deductible, and percentage you’ll be reimbursed – Expect a higher monthly premium if you choose a plan with modest deductibles and copayments.
Your monthly charges will vary greatly depending on your plan type. In 2019, the average cost of accident and illness coverage for cats was $29.16 per month, or $10.51 per month for accident-only coverage, according to the North American Pet Health Insurance Association (NAPHIA). Care for your cat might cost anywhere from $800 to $1,500, but pet insurance can help cover those costs.
Is it a Good Idea to Insure a Cat?
Even though not every cat should have it, the vast majority would benefit greatly from having pet insurance. You can’t get your new kitten insured until it’s at least seven weeks old. However, cat owners may consider purchasing pet insurance. Even if your cat is in fantastic condition now, it’s always a smart idea to protect them from unexpected medical costs by investing in pet insurance.
Jason is the Marketing Manager at a local advertising company in Australia. He moved to Australia 10 years back for his passion for advertising. Jason recently joined BFA as a volunteer writer and contributes by sharing his valuable experience and knowledge.