When getting a pet policy for your cat, you should consider how much coverage you will need. Some insurance policies only cover illnesses, while others may provide coverage for routine care, like a haircut or a dental checkup. Some pet insurance plans offer routine care add-ons, which pay for these expenses as well. However, this type of coverage is not cost-effective unless you are willing to pay a high premium for routine care.
When choosing a pet insurance policy, be sure to read the fine print. While pet insurance websites are informative, be sure to compare the actual policy before deciding. This way, you will be sure to choose a policy that meets your pet’s needs. If you are a first-time cat owner, the policy you choose will be suited for you and your cat.
Another company that offers insurance for pets is Figo. This Chicago-based company underwrites its policies. Several companies offer discounts for multi-pet families. In addition, MetLife offers family plans, which cost less than individual plans. Compared to individual plans, family policies provide coverage for more than one pet. Many pet insurance policies have a two-week waiting period for illnesses, and the majority of policies cover both accident and illness.
In addition to having peace of mind, pet insurance can also help you avoid spending too much on expensive medical bills. Many policies have low deductibles and a lower monthly premium, which makes them more affordable for first-time pet owners. However, you should still look for policies that allow you to pick a level of coverage that suits your budget. If you are a first-time cat owner, consider a plan that covers dental care and prescription drugs.