We all love the cats in our life and this of course means that we want to care for them whenever they become sick. The problem that we face however is that in order to help our cat through any illness we will be have to be faced with expensive vet bills. Those that have no pet insurance will need to either come up with the cash in order to ensure the cat’s health, or alternatively they will have little choice but to have their beloved pet ‘put to sleep’. Those with pet insurance will find that they are able to cope with the vet bills much easier, after all, most of them will be covered under the pet insurance policy. For such a low cost it does mean that the best way to guarantee your cat’s health is through pet insurance. So what do you need to know when the time comes to purchase it?
The first thing that you should realize is that the majority of policies out there will not cover pre-existing conditions. These can either be hereditary conditions or those that have been acquired throughout life. The reasons for this should be pretty obvious. However, there are many companies out there that seem to be veering towards covering ‘existing conditions’ to a limited extent. It may be worth searching around for these companies if your cat is already sick. Don’t forget to look into the terms and conditions of the policy first however!
The next thing is to consider the ‘deductible’ that you will need to pay on your pet insurance. This is the minimum amount of money that you will need to pay towards the treatment, the higher the deductible, the cheaper the pet insurance. I know it may be tempting to opt for a high deductible, however, if you cannot afford the deductible and your cat needs treatment then they will not be treated. It is worth keeping your deductible set aside in a separate bank account so you can be sure that it is there should the inevitable happen.
Finally you will need to look at the terms and conditions of the policy. This is the only way that you will be able to establish what is a good deal, and which one leaves a lot to be desired. Things you should be paying attention to include:
1. What conditions are included/excluded under the policy? Some companies put a lot of exclusions in place, however many people opt for them as they seem incredibly cheap. Do not fall into this trap; there is a good chance that your cat will end up not covered for a lot of ailments.
2. If you have multiple cats can you get a discount on your policy? Many companies don’t actually offer this so it is something that is worth looking into.
3. What is the limit of your policy? Many companies have limits on their pay out. You will want to pay a lot of attention to this as this is where you can establish whether you are scoring a good deal or not. Common pay out maximums could apply per year, for each incident, for each category of illness or even lifetime for the cat.
Now you should be a little bit more knowledgeable about how to guarantee cat health through pet insurance. It is suggested that if you don’t already have pet insurance in place that you go out there and purchase it as soon as possible, this is the best thing that you could possibly do for yourself and your beloved pet.
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