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Cat Insurance Plans
A cat insurance policy may make sense for you and your cat, but which company and which plan do you choose? Here's some detail on companies offering various plan types. These programs are typically available to pet owners who are residents of the United States, and in some cases, Canada. As discussed in my article on pet insurance, it can be a good idea to have a policy on your cat. The question then, becomes, which plan do I choose? Which company do I go with, and what are the costs?
VPI - Veterinary Pet Insurance Currently, Veterinary Pet Insurance offers two major medical plans: the VPI Superior Plan or the VPI Standard Plan. You can also get one of the Pet WellCare Protection riders to cover optional routine care, including dental and spay or neuter procedures, flea control, and vaccinations.
Embrace Pet Insurance Embrace promotes itself as the only company offering cat insurance that you can totally customize, thereby saving you money on your premiums. Instead of just offering a few major medical plans to choose from, you choose your annual policy maximum, the annual deductible, and the co-pay in order to best fit your budget and your needs.You can also choose chronic care coverage, and dental illness coverage. There's a prescription drug coverage option available as well, which is a good option to help defer the high cost of pet medication.
Quick Care Pet Insurance Quick Care Pet Insurance also has flexible plans for cats in that there are varying levels of coverage and deductibles, including an accident only plan, $50 deductible, and a plan specifically for senior cat care. There's also a separate insurance plan you can purchase for indoor cats.
If you have a cat that is at higher risk for disease or injury, your veterinary costs will obviously be higher. In these cases, purchasing cat insurance probably makes sense. Those at higher risk include: - An outdoor cat
- An older cat
- A cat with a previous history of health problems
If you're concerned about regular cat care costs, you can choose to include a routine care feature in your plan and your premiums. If you're simply concerned about catastrophic or emergency type care, you can choose that type of plan. With all of the different plans available, there should be a plan that fits your situation.
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