How Cat Insurance Works

With over one million cats in this country, there is always a need for cat insurance. Luckily, it is not difficult to find quality pet coverage!

Mostly, people look into pet health insurance because they want some type of coverage. More companies offering pet insurance mean better services for your beloved pets.

Some go onto online forums or talk with friends to get their opinions about which policies are good and bad. This can be tricky since everyone has a different budget and level of spending that includes premiums.

In this article, we will discuss what types of pet health insurance exist, how they work, and what to look out for when choosing a policy.

How insurance works

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Just like you have health coverage, cat owners need to consider pet medical coverage as well. Pet medical coverage comes in two main types: traditional veterinary care and wellness coverage.

Traditional veterinary care covers visits to the veterinarian, diagnostic testing, treatments and surgery. This typically does not include routine checkups or tests such as fecal exams, weight checks or blood work that can be done at your vet’s office. It also usually doe not cover prescriptions for medicines that are given directly to the animal- example: antibiotics for a self-diagnosed infection.

Wellness coverage may offer additional services beyond those listed above, but only for certain timeframes (usually six months). Some examples of wellness services are nutritional counseling, grooming, training classes or therapies like acupuncture and chiropractic medicine.

The cost for wellness coverage is often much lower than what it would otherwise be because these services are subsidized by the plan.

Types of insurance

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Like most forms of insurance, cat coverage is usually categorized as either health or pet-related. Health insurance typically covers medical costs for you or your loved ones, while pet-related coverage includes things like veterinary bills and compensation if your dog gets hit by a car.

In fact, some policies go one step further and cover any potential mental health issues that might be caused by owning a dog or cat (like stress due to financial worries). This is especially important since many owners find themselves under a lot of pressure when their pets are sick.

Most importantly, health insurance doesn’t only apply to humans — it often times doesn’t even require people to be citizens of the country! That means if you’re traveling abroad, you can still get health coverage. It also means that no matter where in the world you live, you’ll have access to quality healthcare.

Pet-related insurance isn’t quite as common as health insurance, but they do exist. A small number of companies offer limited coverage for animals, so make sure to do your research before signing up.

How much does insurance cost?


The price of pet health coverage is typically determined by two components: how much care your dog or cat needs and what kind of policy you have.

Dogs require more medical attention than cats, which are healthier at most times. This means that hemalium testing and ultrasound exams are usually extra costs for owners. Fortunately, these tests can be done free of charge!

If your animal goes through significant changes in life-stage (e.g., puppies grow up before being able to go home) or if they need special treatments like chemotherapy, additional veterinary bills become very expensive.

Luckily, many companies offer veterinary benefits as part of their premium package. These are often referred to as wellness packages or preventive medicine policies. What this covers depends on the policy you have but typically includes blood work tests, vaccinations, and checkups.

Will my cat lose their insurance if they go to the vet?

how cat insurance works

Even though most veterinary hospitals are affiliated with an animal hospital, this is not always the case. Some clinics you can visit do not accept veterinary coverage for your cat’s health issues, or pay lower fees than what the other clinic offers.

If your cat gets sick at one of these facilities, you will need to find another place to take them. Since many people get their medical care from only one doctor, it can be difficult to do so when your cat needs treatment.

Some doctors even refuse to treat animals due to the high cost of veterinary bills. This is very inconvenient as there may be no way to fix the problem!

Fortunately, most major pet insurers offer special policies that cover out-of-hospital visits. These policies typically have much higher limits than normal pet insurance, which usually covers up to 250 dollars per visit.

This gives you more leeway in finding a veterinarian for your beloved feline friend. It also helps safeguard you against expensive lawsuits filed by malicious veterinarians who overcharge for services.

Will my cat lose their insurance if they get sick?

how cat insurance works

Even though it may seem like unnecessary coverage, most reputable companies will require your pet to have some kind of health insurance before you can make any payments for care. This is called Pet Health Protection (PHP) or more commonly known as veterinary coverage.

Most dogs and cats receive this protection through their owners’ medical insurance policies. The vet would usually ask if there are any changes in behavior or symptoms that need attention, and whether the patient has an appointment already with a doctor.

Can I get cat insurance?

how cat insurance works

Yes, you can find pet health coverage! Most of these plans are designed to cover only certain diseases or conditions that would require expensive treatments or medications.

Some will even offer monthly premiums that include a premium fee as well as a medical reimbursement account where your veterinarian can deposit money from treatment costs. This way, you don’t have to worry about paying for medicine out-of-pocket since it is already paid for by the plan!

It is important to remember that despite having pet health insurance, you will still need to make sure your loved ones are covered under their own individual health insurance policies.

Also, just like human health care, cost may be a factor in determining whether or not someone gets needed services. Even if you have pet insurance, there might not enough funds available for full treatments.

Are there exceptions to insurance?

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There are some things that can’t be covered by pet health insurance, even if they seem like something that could. Some examples of this are special medical needs or expensive procedures that cost more than what most people would consider affordable for an individual.

Another is when your dog gets hurt so badly that it doesn’t matter how much money you have, you just don’t feel comfortable paying for his care anymore. You might not feel confident that your policy will pay all of the costs or feel comfortable spending the money since parts of the treatment aren’t included in coverage.

You also may want to look into group pet insurance policies as a potential solution to your problem. Group plans often offer discounts and/or extra benefits, suchas credit card-style rewards programs that help you keep points you earn towards future services.

What happens if I lose my insurance?

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Unfortunately, what happens when your cat gets hit by a car is not always considered an accident. More often than not, it’s because someone or something wants to get rid of it.

Since many people consider cats “expensive,” some go through elaborate lengths to find a home for them. Sometimes that means offering a reward in exchange for finding the owner and/or proof of ownership, which can make it difficult to prove negligence on the part of the driver.

Some drivers are so determined to give their beloved feline friend a good home that they refuse to admit fault and thus deny coverage for veterinary care and potential loss of earnings due to time off work.

This can be frustrating for you as both a pet parent and a consumer, but it is important to know what legal protections exist so you don’t take any steps that could hurt your dog.

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