Today,I will touch on the subject of getting health insurance or pet insurance to protect your senior cats health.
Get a plan before they get sick:
In this age, it is possible to do the same treatments and give similar medications to pets that humans have, albeit not the same dosages. Special diets, prescription medications, adaptive devices and surgeries cost a fortune for us humans that are without public or private health insurance-imagine now with our pets!
Moreover, it is advised to get health insurance for your furry companion early in life or as soon as you acquire your cat cause it’s easier to get them accepted and covered before they develop any ailments, diseases or disabilities that would cut your feline friend’s chance of getting covered or it can rack up the prices of premiums, deductibles and reimbursement rates!
HOW TO GET PERSONALIZED HEALTH INSURANCE FOR YOUR CAT’S NEED’S?
Now, we are aware that it can get quite expensive to treat and medicate a senior or sick cat. We must first of all start with a trusted Vet to get a physical check-up with all the usual blood tests to get a sense of where your pet is at in terms of needs.
Also, what are your cat’s particularities when it comes to your cat’s breed? Is it a full breed or mixed breed? What are the associated conditions and ailments related to your cat’s breed?
Has the cat been sterilized? Pre-existing or known diseases you’re aware of? Certificates and vaccines? What is your budget and what are you wanting the insurance to cover?
Reasons to get insurance:
Now why would you want to get insurance for your pet?Because it is way less costly than paying out-of-pocket the full amount of a treatment or an operation. God forbid you have more than one “fur-baby” to care of that has a chronic ailment which is highly possible and something to consider when keeping and caring for an older cat.
The tests alone can get very costly. Then there are the vaccines and medications… Well,you get the picture! What’s more, the insurance can assist you in counseling what is best for your cat for the age and condition that they are in.
Where to find the right insurance:
A veterinarian would know some of them but you can check out the website of your local animal shelters and SPCA. They may give tips for finding one as well.
The consumer review sites (report,advocate,review,best,etc.) are a good place to go to get an overview of pros and cons of each and not falling into the same mistake as other people.
You should also call up your existing auto and home insurances because they might have a pet insurance that you can bundle and save on the pet insurance in doing so!
Of course there is word of mouth but why not take it up a notch and go on a pet message board and ask others on the forum for their experience and counsel you on which one might be best for your pet!?
You can check out these neats websites for starters!:
Types of insurance:
There are a few types and sub-types to choose from and each with their limits to the benefits and payouts they give that are differential in that it rests on parameters like breed, conditions, age, how long you want the insurance to cover your pet and what deductibles-premiums ratio in the plans you choose to take-up.
In the first category, you can come across “wellness insurance” or named “preventative insurance” that goes for the regular stuff like vaccines and normal vet appointments, etc. This is thought to be not very advantageous and a waste of money. You might want to shop around and consider if your pet really needs this depending on frequency and intensity of preventative and maintenance care of your cat.
Next of, you’ll see plans that resemble accident only, accident-illness, full or comprehensive covered care that will include all of the above (routine care too). Mind you,there is a caveat to the full insurance:It won’t automatically cover prosthesis/artificial limbs, illnesses already present, abuse ( I suggest you can sue the one who would abuse your pet and report them to the ASPCA.,SPCA. or local policing agency), emergency transport and big surgeries like a transplant for example.
Thirdly,you’d need to pick one according to the breed of your cat because some have particularity of having diseases and conditions that are common to that specific breed.Some develop respiratory issues related to their build like Persian or angora cats that are flat nosed.Or,they are more stomach sensitive like the Siamese cat.
Forthly, do you want a yearly plan or for a lifetime?And in this plan, capped or no cealing to payouts from the insurers?It’s all things to take in consideration when getting pet insurance. Not to mention that you can get plans that you pay per condition individually,that is pay a deductible for each condition your pet has, individually.
I recommend to get a lifetime insurance because it can englobe so many things that we don’t always think about! Cat housing,your cat’s liability if it destroys something or…someone!The cost of the animal if lost or dead and funeral and burial costs,not to mention that some places offer “perks” with their coverage such as help line,bereavement counsel,poison hotline,compassion care for pet’s with long time illness, a magazine,emergency care coverage and LOL.! a “concierge” for your pet’s needs.
See for yourself:
My own experience:
Don’t do what I did in the past.I payed out of pocket for anything cat and when I couldn’t afford treatments,I made the regrettable decision to put the cat to sleep.It had cost me once 500$ dollars for two 5 month old cats and I had to spend another 200$ for euthanasia a couple months after because the tests didn’t detect damage already done!They had 2 typeds of worms and probably from the womb.
They had all their blood tests for urine and feces and blood.They even had a worm treatment and their vaccine’s!Not to mention the food bought under Md. recommendations!
They both looked in pain and had symptoms of fecal and urinary incontinence.Had I taken an insurance I could’ve at least saved myself much problems and hurdles!
In the end it is always better to be safe than sorry!If you have any medical questions or inquire about something in my article,I would be most glad to know what “inquiring minds want to know”.
Do remember this:If there is something you need me to write about,give me a heads-up so I may do the research and heavy lifting for you and find the experts and “exhibit A” as a top notch detective would!
In my next post,it will be a cats problems and symptoms related to food and lifestyle of the senior house cat.
Till then,play nice!