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Do I Need Pet Insurance For My Cat? Meow!

Nicholas Kane

2022-02-10

Pet insurance for cats can be a great way to help cover the cost of routine care and unexpected veterinary fees that will arise throughout the life of your cat. You may not realize that as a pet owner, you are responsible for all costs related to your cat's well-being - from food and litter to vaccinations and medications. When you sign up for a pet insurance policy, you are equipped to handle the cost of medical fees that may arise during your cat's life.

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Pet Insurance For Cats

Pet health insurance policies offer coverage for many types of injuries and illnesses that can affect your feline friend. Some examples include: cancer treatments, spaying or neutering procedures, dental work, medications to help your cat after surgery or illness, and even alternative therapies such as acupuncture. Benefits may vary from plan to plan, so it's important to do your research before making a final decision on a policy. Some plans offer 100% reimbursement for certain treatments while others have maximums that range from $2,500-$5,000 per year.

As part of the research process, you will need to know how much your cat weighs and what their age is. Each policy has its own weight limits and the age at which they will start covering pre-existing conditions varies depending on which company you choose. For instance, an 8-year old cat may be covered by one company until they reach age 9 while another may stop covering pre-existing conditions at age 7.


Which Company Should I Use?

Pet insurance for cats is something that many people are considering because it gives the owners peace of mind to know that, in case their cat or kitten gets sick, they can afford to take them to a veterinarian without worrying about the cost. Insurance companies are able to sell pet insurance for cats at much lower rates than you might think because of their larger numbers and the fact that they don't use as many veterinary services as dogs do.

Pet insurance for cats is now offered by several prominent companies such as Veterinary Pet Insurance (VPI), ASPCA, and PurinaCare. There are also some regional companies like Pet Assure which offer pet insurance for cats in certain regions of the US. A few of these companies offer insurance for both dogs and cats, but most pet insurance for cats is sold separately. To get a quote on your cat's pet insurance you can browse our website for the best pet insurance companies.


TICA Insurance

Pet Insurance for cats through TICA offers insurance that covers both injuries and illnesses. They will pay 80% of all current and future veterinary fees up to $500 each year. These fees must be incurred during the period of the policy, so if you don't use your pet insurance, you won't get the money back. Accidents are defined as injuries that happen outside your home (like getting hit by a car or other animal). Illnesses are not considered accidents and must be diagnosed by your veterinarian who will let you know what is covered under the TICA insurance policy.

Veterinary Pet Insurance

VPI insures cats for injuries and illnesses. If your cat is injured, they will pay 80% of the veterinary costs incurred up to a maximum of $5000 per accident. This includes accidents that happen outside your home, so if someone hits your cat with their car or it gets attacked by another animal, VPI can help cover the cost of the veterinary bills. They also offer coverage for any illnesses your cat contracts and will pay all veterinary fees up to a yearly maximum of $15,000. If you want to make sure that TICA and VPI insurance is right for your pet, visit the "Pet Insurance Quotes" form at the bottom of this article and fill out the form to get both of them in one place.

ASPCA Pet Insurance

The ASPCA offers pet insurance for cats which covers cats who are 16 weeks and older. If your cat gets sick or is injured, you can submit a claim for reimbursement for up to $1000 per year if the illness/injury was diagnosed by your veterinarian and occurred while you were insured by the ASPCA. They offer coverage for hereditary and congenital conditions, but they do not cover routine care such as vaccinations, veterinary exams, general checkups, spay/neuter surgeries, or routine medications.

PurinaCare Pet Insurance

PurinaCare Pet Insurance offers insurance for cats that covers both injuries and illnesses. They will pay 80% of the veterinary fees up to $500 per injury and $2000 per illness if your pet has been diagnosed by a veterinarian. Accidents are defined as any incident at home or outside that happens to your cat, so it would also cover a cat falling from a tree, getting attacked by another animal, or being hit by a car. Illnesses are any illness that your veterinarian diagnoses and must have been caught within the last 12 months.


What Does Pet Insurance Cover?

The different pet insurance policies for cats cover different things. The TICA Insurance plan covers 80% of all current and future veterinary fees up to a maximum of $500 per year, which must be incurred during the policy period. Accidents are defined as injuries that happen outside your home or an accident that would have occurred outside your home had one not occurred in your home. 

So, if your cat get's hit by a car while outside, TICA will cover the cost of their medical care up to $500. The ASPCA Pet Insurance covers both injuries and illnesses, but only for cats that are 16 weeks or older. They will pay 80% of all veterinary fees up to $500 per injury and $2000 per illness. Accidents are defined as any incident at home or outside that happens to your cat, so it would also cover a cat falling from a tree, getting attacked by another animal, or being hit by a car. Illnesses are any illness that your veterinarian diagnoses and must have been caught within the last 12 months. 

The VPI insurance plan covers 80% of all current and future veterinary fees up to a maximum of $5000 per year for accidents and an annual maximum of $15000. This includes injuries that happen outside your home as well as any accidents that happened inside your home, such as a cat running into a door or table and breaking its leg. It also includes illnesses that were diagnosed by a veterinarian.


Conclusion

The best way to find the right pet insurance policy for your cat is to ask your veterinarian about their experience with different companies and policies, as well as speaking directly with other pet owners who have used a specific plan.  Pet insurance can help you cover the unexpected, but it's always a good idea to build an emergency fund that can help with routine care like annual check-ups.