The joy of owning and caring for a cat can be overwhelming. A cat can be very affectionate and an indispensable companion. Cats are cute, intelligent, and have striking individual traits that pet owners all over the world can’t help, but fall in love with. Unfortunately, taking good care of your kitty means expensive vet’s bills, which can cause you to worry about your finances. So, if you are blessed with a feline companion, then consider cat insurance for the benefit of you and your cat.
Why cat insurance is required:
While cats are independent and smart, their curious nature might jeopardize their lives on many occasions, especially when they are young kittens. Apart from the accidental harm to your dear pet, any form of sickness can cause you a great deal of worry. Caring for your cat in these situations require a great deal of money. This is where cat insurance strikes in. A cat insurance policy makes sure that the best medical attention is available to your friend when needed. With this insurance, you can be assured that no matter how expensive it might get to treat your furry pal back to health, you’ll be always prepared.
How cat insurance is beneficial:
A cat insurance policy covers all the expenses related to the medical care required by your pet cat. Following are the various aspects of cat insurance coverage:
1. Veterinary doctor’s fees, medicines, and other costs related to illness.
2. General medical checkups, immunization, and other preventive care costs.
3. Costs incurred due to surgery and other hospital expenses.
4. Pathological costs like x-rays and blood tests.
5. Chronic diseases that require lifetime care.
6. Advertising costs, if your cat happens to be lost or stolen.
7. Medical costs, if your cat faces an accident.
8. The health of the kittens of the primarily insured cat.
9. Third party liability costs, if your cat causes any harm to others.
10. Death benefits, to be paid out on the event of the insured cat’s demise.
These coverage are generally covered by cat insurance which may vary from one policy to the other. You need to find out the exact coverage provided by your pet insurance company before buying a policy.
A word of advice:
By now you must be able to grasp the fact that cat insurance works more or less like your own health insurance. Thus, it’s invariably understood that there are deductibles required to be paid before you can get benefits (not applicable for death benefit). There are several exclusions that may vary from company to company. It is best that you know the insurance coverage well before buying a policy to protect your cat friend.
Things that you should check for are as follows:
1. The credibility of the insurance company and its financial strength, to ensure that your cat is really protected by the policy.
2. The exclusions, which may include the age and health conditions of the cat. In case your pet is ripe in age or has a pre-existing condition, it may be denied coverage.
3. The terms and conditions of the insurance policy. You should know what documents to keep handy in order to get the benefits.
Getting yourself ready to take the full responsibility for your fuzzy friend’s wellbeing is a great thing you can do. So, whether a cat really has 9 lives or not, you can ensure your kitty’s happy and healthy life with a suitable cat insurance.Blog Category