Kitten Insurance may sound strange, but pet health insurance is an old concept that has been gaining popularity through the years. The business of pet insurance has been around in the United States for over 25 years.
Veterinary science has seen big advances. Vets have access to diagnostic tools such as MRI scanners. Treatments that were previously reserved for humans may be adapted to pets as well such as radiation and chemotherapy to treat cancer. Even transplant options are widely practiced.
Most insurance companies begin the policies for pets when they are about 6 to 8 weeks old. But other companies have no requirements regarding the age. And the length of the policy also varies depending on the company. Others have a limit of over 20 years, while some offers an age limit of 10 or 8 years.
When you choose a policy consider what it covers, who you can go to, and how you pay. There are deductibles, annual premiums and you can choose from an assortment of insurance coverage options.
If you cannot afford a good pet health insurance for your beloved pets, there are some non-profit organizations that can help you financially when your pet encounters some sickness or accidents. There are also veterinary offices that can support you at such instances through an emergency fund that they allocate for such situation.
Finding the Best Pet Health Insurance Company
Being knowledgeable and meticulous in finding the best pet health insurance will not only help you save up some money but can also ensure that you have something that will take care of your beloved kitten.
- Veterinary Pet Insurance, Inc. (also known as VPI)
- ASPCA’s Insurance Company
Understand Coverage Plans
The costs and deductibles on policies vary depending on the kind of plan that the owner will get for their pets. The coverage may be dependent on the type of pet you own, pre-existing conditions, lifestyle, or other factors.
The broader it is, the better. Routine care, preventive medications, annual checkups, diagnostic testing, visits to veterinary specialists, periodic vaccinations, surgeries, allergies, dental, and prescription drugs are all things that can be covered in a good insurance policy.
- Is there a discounted plan that still offers a comprehensive coverage? This may vary a lot. Some companies offer policies that allow multiple pets to have basic accident coverage while some companies offer a high rate for a premium plan.
- Is there a number of accredited veterinarians? The accreditation of vets is highly dependent on the plan and the company.
- Are there set waiting periods? Just like a regular insurance policy there is a waiting period before your policy takes effect, you would have to bear in mind the start and end dates of your coverage.
- Is there a set of exclusions in the policies? Commonly, the exclusions of pet insurance policies are prevailing health disorders, hereditary diseases and long term trauma but there are still some companies who do not include these conditions.
- Is there coverage on routine wellness? There are policies that include routine checkups, vaccination and testing for heart worm which can be the case for some animals.
- Is neutering and spaying covered? Many companies offer policies that include reproductive health and population control for your pets, however, these are the most utilized service of pet owners.
- Are prescriptions covered? This is just as important as all the other pet services that can be covered by a policy since the technology for caring for your pet is also increasing in demand.
- Are there deductibles? Just look into the details of the policy to know exactly how much the deductible is and remember that the smaller the deductible the higher the premium.
- What kind of caps are there? Usually there are certain “caps” or limits to the kind of illness or incident that your pet may get into that a company will pay for. Check the details from your company to know the different caps.
Understand Pre-Existing Conditions
Insurance companies often make sure the animal is in stable and good condition prior to providing insurance. If the animal is suffering from a terminal illness, injuries, medical conditions, hereditary diseases or other symptoms prior to enrollment the animal may be denied coverage.
Additionally, pets who have previously suffered a medical problem or have been involved in an accident may not be eligible for reimbursement on future costs if the future problem is found to be directly related to the original incident.
Make sure to check for coverage of pre-existing conditions as well as breed-specific genetic ailments. Some plans refuse to cover these conditions while other place limits on annual, per-incident, per-illness or lifetime costs. Some companies may also only cover certain species that are less prone to certain kinds of diseases.
Ask Your Vet
You can solicit advices and recommendations from your trusted veterinarians. They can explain to you complicated things better so that you may feel enlightened.
And you will also feel more secure when you know that your choice is being used by many people and that there is someone who is professional who can guarantee for the policy’s effectiveness.
Talk To Other Pet Owners
The best thing to do is research and to ask pet owners for recommendations, but some pet insurance companies have teamed up with organizations such as American Kennel Club and companies like Petco Animal Supplies to offer pet insurance as an employee benefit.
What To Do If You’re Refused Kitten Insurance
If your pet is refused by the insurance companies, you can ask your trusted veterinarian for advice. They will refer you to the wellness packages that are being offered by some hospitals.
Such packages can give you discounts on certain programs like vaccinations, spay or neuter and a lot more. Other hospitals offer checkup packages intended for geriatric health.
You may also want to look into a national program called Pet Assure. This offers discount programs such as 25% on veterinary services and 50% on pet supplies and related services.
This is not an insurance policy. You can ask the owners of pet stores and veterinarians on how can you avail of such program.