Cat parents should be prepared for unexpected vet bills. Cat insurance works to help pet parents with unexpected vet bills, thanks to possible reimbursement. As cats age, they are generally more likely to develop health conditions that require medical intervention, which makes pet insurance potentially invaluable.
How does pet insurance work for cats? Continue reading below to learn more.
How Do Pet Insurance Claims Work for Cats?
Typically, cat parents will take their pet to the vet for treatment, pay their vet bills, and then submit their bill for reimbursement. Pet parents will need to meet their deductible to be eligible for cash back. Learn how to submit a claim for cats here.
Is Pet Insurance Worth It for a Cat?
Yes, pet insurance can be worth it for a cat if you consider that cats can develop costly health problems throughout their lives. These health problems can include cataract surgery, FIP, and even cat dental cleaning costs. Cat insurance helps cat parents prepare for these situations and helps alleviate possible financial stress.
Types of Cat Insurance Plans
Spot offers customizable cat insurance plans. A quick snapshot of what these are is listed below:
Accident-only coverage - Helps cover emergencies like broken bones and poisoning.
Accident and illness coverage - Includes coverage for accidents and a wide range of illnesses.
Optional wellness add-ons - An optional add-on for routine care like vaccinations, flea treatments, and dental cleanings.
Is There Pet Insurance for Cats That Includes Dental Coverage?
Yes, some pet insurance plans can help cover dental conditions for cats. Unexpected dental accidents may be covered under Spot’s accident and illness plan, while Spot’s optional wellness add-on covers routine dental cleanings.
What Does Pet Insurance for Cats Cover?
Pet insurance for cats may be able to cover many different unexpected incidents and health issues. Some common things that cat insurance may be able to help cover include swallowed objects and toxic ingestions. It can also help cover all sorts of diagnostic services and treatments prescribed for covered accidents, such as X-rays, MRI, ultrasounds, blood work, sutures, medications, hospitalization, and surgery.
With the optional wellness add-on, cat parents can get coverage for routine services like dental checkups and annual exams.
For full details on what’s covered and excluded, check out a sample policy here.
How Much Does Pet Insurance for Cats Cost?
The price that cat parents will pay for cat insurance can vary based on many different factors like breed, age, plan selections, and location. The good news is that cat insurance tends to be cheaper than dog insurance. According to internal claims data, the average monthly premium for cats is $29.02†.
† Average premiums are based on current policyholders as of 2024 with accident-only or accident-and-illness plans and may vary due to plan options such as annual limit, co-insurance, and annual deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
