Tips about buying insurance for your cat
Just like shopping for your own medical insurance you will do well to comparison shop. Rates will depend on the coverage you want and the age of your cat. Most companies do not require an examination of your pet, but most will not cover pre-existing conditions and some won't insure a cat with hereditary or congenital disorders. Some also do not cover chronic conditions.
Unless you are new to an area and have no veterinary preference, you may prefer a pet insurance company that allows you to go to any doctor; others may have a list of their own selected veterinarians.
Prices and plans vary widely. Choose deductables and co-pays that fit your budget. Deductables can range from $50 to $500 whereas co-pays average 10% - 30%.
Talk to a representative directly for any plans you are considering. Ask about the company's policies and the procedures that will be required for making claims. And don't be afraid to ask for clarification on any points you aren't sure about. Talking with a real person may help you get a better feel for the company.
Expect to find a wide variety of form, format and financial commitment with different plans. Some plans have annual or lifetime caps after which you are responsible for all payments. Some expect partial or percentage contributions after the cap has been reached. The most expensive plans will have no cap at all. There are a lot of choices for you and your cat, so tailor the plan you want to your personal needs and budget.
In other words, there are a lot of variables in buying cat insurance. Shop around and get informed. Read the fine print. Then, if you feel buying health insurance for your feline is the right step for you, you can make the best decision based on real knowledge rather than guesswork.