Should I Get Pet Insurance For My Indoor Cat?
Are you contemplating taking out pet insurance for an indoor cat? Wondering if it’s worth it? Well, the short answer is yes. Here’s why.
Pet insurance is worth it for indoor cats as 50% of cats over four develop dental disease. Additionally, many toxic household plants and items require a trip to the vet if your cat eats them.
Sure, your feline friend doesn’t venture outdoors much, except with your supervision or on a leash. Yet, this doesn’t mean they can’t develop an illness or have an unexpected injury. This is precisely why pet insurance for an indoor cat is worth it—providing you take it out while your kitty is still fit and healthy.
Why pet insurance for an indoor cat is worthwhile
You can ask everyone you know and get opinions on whether pet insurance is worth it. Mainly when talking about pet insurance for an indoor cat. Indeed, it is extremely hard to decide whether you will or won’t take out an insurance plan.
However, don’t let the fact it’s a tricky decision put you off, giving it an ample amount of thought and consideration. After all, we’re discussing the health and well-being of your purring pal!
Like humans, as cats age, they become more susceptible to developing an illness. So, assuming you take out insurance when your cat is young (before the age of eight or nine), you have peace of mind that if your cat becomes ill, you will benefit from having pet insurance.
Cats are highly prone to injury
As cat owners you can be forgiven for thinking pet insurance for an indoor cat is pointless. After all, most of the time your cat is safe and secure in the comfort of home, right?
It seems not. The most common cat injuries can happen to indoor and outdoor cats. Take poisoning, for example. There are myriad toxic liquids and poisons in the home, not just the obvious ones like detergent, bleach and anti-freeze.
Who says a cat can’t sustain an insect bite or bee sting in the home? Despite our best efforts, bothersome insects enter through open windows and doors. An outdoor cat might be more likely, but indoor cats get bee stings.
Other common cat injuries that indoor cats are just as prone to include torn nails, heatstroke, eye problems and an infected tooth due to tooth decay.
How Much Is Pet Insurance for a Cat?
The cost of pet insurance for a cat varies based on several factors, including the cat's age, breed, location, and the coverage options chosen. On average, basic insurance plans might start around $15 to $20 per month. Comprehensive plans offering extensive coverage may cost between $30 to $50 monthly. However, specific rates can be influenced by the cat's health history, pre-existing conditions, and the chosen deductible and reimbursement levels.
How Does Pet Insurance Work?
Pet insurance operates similarly to human health insurance. After enrolling in a plan and paying the monthly premium, if your cat requires veterinary care, you'll typically pay the vet bill upfront. Next, you file a claim with the insurance company, providing necessary invoices and medical records. Once approved, the insurer reimburses you for the eligible expenses, minus any deductible and based on the chosen reimbursement percentage.
What Should I Look at When Comparing Insurance Plans?
When comparing pet insurance policies for your cat, consider several key factors. Look at coverage options, including accidents, illnesses, hereditary conditions, and wellness care. Evaluate deductible amounts, reimbursement percentages, coverage limits, waiting periods, and any exclusions. Additionally, assess customer reviews, the insurer's reputation, claim process efficiency, and whether the plan fits your cat's specific healthcare needs.
Can I Get Pet Insurance If My Cat is Already Sick?
Most insurers exclude pre-existing conditions from coverage. If your cat is already ill or has a pre-existing condition, it's unlikely that these conditions will be covered by a new insurance policy. However, other future health problems not related to the pre-existing condition may still be covered after the waiting period, depending on the insurer's terms.
When Should I Get Pet Insurance Coverage for My Cat?
As pet owners the best time to enroll your cat in pet insurance is when they are young and healthy. Insurance plans typically exclude pre-existing conditions, so getting coverage early ensures fewer exclusions and allows for comprehensive coverage of potential future health conditions. However, it's never too late to get insurance for older cats, as unexpected accidents or illnesses can happen at any age.
FAQs
What does pet insurance for indoor cats cover?
It typically covers accidents, illnesses, chronic conditions, and in some cases, routine wellness care depending on the policy chosen.
Are there age restrictions for insuring indoor cats?
Most policies accept cats of all ages, but getting insurance when they're young can provide more comprehensive coverage and lower premiums.
Can a pet insurance policy cover pre-existing conditions for indoor cats?
No, pre-existing conditions are generally excluded. It's advised to get insurance early to avoid these exclusions.
What factors affect the cost of pet insurance for indoor cats?
Age, breed, location, coverage type, deductible amount, and reimbursement rate all impact the premium cost.
What if my indoor cat never goes outside?
Indoor cats can still face health issues like urinary tract infections or accidental ingestion of foreign objects. Insurance can cover these unexpected events.
Can pet insurance plan cover routine check-ups for indoor cats?
Some policies offer optional wellness plans that cover routine care like vaccinations, dental cleanings, and flea prevention.
Is pet insurance cost-effective for indoor cats?
It depends on your cat's health history and potential risks. Assess your financial situation and choose a plan that suits your needs.
Can I choose my vet with pet insurance for indoor cats?
Most plans allow freedom in choosing a vet, but it's wise to check if the policy has preferred providers for better coverage.
Are there limitations to what pet insurance covers for indoor cats?
Policies have varying coverage limits, deductibles, and exclusions. Review the fine print to understand its limitations.
