The price of cat insurance depends on criteria such as age and breed. Getty Images
If you’re like the majority of cat owners, you like doting on your favorite kitty. To prevent your pets from being bored, you purchase their favorite goodies, spend hours playing with them, and construct play structures throughout your home.
Taking care of their medical requirements is as crucial, and pet insurance can assist with that. If you have pet insurance for your cat, you can make medical decisions based on the veterinarian’s advice rather than your financial situation.
If you’re in the market for pet insurance, the first step is to receive a free estimate so you know precisely how much it will cost.
Learn more about pet insurance for cats, including the cost, by reading the information provided below.
How much does cat insurance cost?
According to information from the North American Pet Health Insurance Association, the average monthly premium for a cat is $29. According to additional study, the monthly premium for a cat might range from $14 to $38.
The premium will vary based on the deductible, the cat’s age, the type of coverage, and the breed.
Insurance costs are higher for purebred cats since they are more likely to suffer genetic diseases and problems. Siamese, Bengal, Himalayan, ragdoll, and Maine coons are the most expensive specialized breeds. These breeds may be significantly more susceptible to disease than others.
The average monthly premium for an American shorthair cat, for instance, was $29.37 per month. Compare this to the Siamese ($30.73), ragoll ($34.67), and Maine coon ($37.36) premiums.
interested in cat insurance? Here and now, you can acquire a free pet insurance quotation in 30 seconds.
How pet insurance coverage works
Animal lovers who want to make the best decision for their dogs without worrying about the cost might find comfort in pet insurance. There are a variety of pet insurance policies with differing levels of protection:
Accident Accident and disease
Comprehensive
The majority of pet insurance policies do not cover pre-existing conditions, which include any diseases or afflictions discovered prior to purchasing coverage. Therefore, you should purchase pet insurance as soon as feasible.
Typically, pet insurance does not cover annual examinations and vaccinations. Unless you acquire a separate wellness plan, you should prepare to pay for these fees out of pocket.
What you need to know about cat insurance
If you get pet insurance, you should review the terms and conditions to see what is covered. Your coverage may include a deductible, which is the amount you must pay before the insurer pays its portion. Ensure that you have sufficient savings to cover the deductible.
Generally, you must pay the veterinarian upfront and submit a claim to be reimbursed by the insurance company. Prepare yourself to wait a few weeks for reimbursement of this initial expense.
If you have not yet adopted a cat and are concerned about pet insurance and total vet bills, choose a mixed breed. You will likely save more on pet insurance if you choose a mixed-breed animal.
»How much does cat insurance cost?«