{"id":2919,"date":"2020-11-10T15:58:05","date_gmt":"2020-11-10T15:58:05","guid":{"rendered":"https:\/\/animalsa2z.com\/?p=2919"},"modified":"2020-11-10T15:58:05","modified_gmt":"2020-11-10T15:58:05","slug":"what-is-the-best-cat-health-insurance","status":"publish","type":"post","link":"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/","title":{"rendered":"What is the best cat health insurance?"},"content":{"rendered":"\n<p>When a cat gets ill or has an accident, it is common to feel upset and worried. It can also be expensive to help them get better if you don\u2019t have the right insurance. The best cat health insurance is one that offers a wide variety of coverage and has an affordable premium that you pay monthly.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>There are many different types of pet insurance on the market that will be suitable for a cat and your budget. But to find the best insurance, you have to know what each type does and how much it will cost.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_17 counter-hierarchy ez-toc-grey\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" style=\"display: none;\"><i class=\"ez-toc-glyphicon ez-toc-icon-toggle\"><\/i><\/a><\/span><\/div>\n<nav><ul class=\"ez-toc-list ez-toc-list-level-1\"><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/#The_different_types_of_cat_insurance\" title=\"The different types of cat insurance\">The different types of cat insurance<\/a><ul class=\"ez-toc-list-level-3\"><li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/#Accident_only\" title=\"Accident only\">Accident only<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/#Time_limited\" title=\"Time limited\">Time limited<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/#Maximum_benefit\" title=\"Maximum benefit\">Maximum benefit<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/#Lifetime\" title=\"Lifetime\">Lifetime<\/a><\/li><\/ul><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/#The_best_cat_insurance\" title=\"The best cat insurance\">The best cat insurance<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/#How_much_does_cat_insurance_cost\" title=\"How much does cat insurance cost?\">How much does cat insurance cost?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/#Frequently_asked_questions_about_cat_insurance\" title=\"Frequently asked questions about cat insurance\">Frequently asked questions about cat insurance<\/a><ul class=\"ez-toc-list-level-3\"><li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/#Will_my_cats_breed_impact_the_insurance\" title=\"Will my cat\u2019s breed impact the insurance?\">Will my cat\u2019s breed impact the insurance?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/#What_isnt_covered_by_cat_insurance\" title=\"What isn\u2019t covered by cat insurance?\">What isn\u2019t covered by cat insurance?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/#What_do_I_need_to_get_a_cat_insurance_quote\" title=\"What do I need to get a cat insurance quote?\">What do I need to get a cat insurance quote?<\/a><\/li><\/ul><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/#Lifetime_coverage_is_the_best_cat_health_insurance\" title=\"Lifetime coverage is the best cat health insurance\">Lifetime coverage is the best cat health insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"The_different_types_of_cat_insurance\"><\/span>The different types of cat insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A visit to any comparison site will show that there are dozens of insurance providers who specialise in pet insurance. It can be hard to decide which one to go with and how to tell the difference between the policies available.<\/p>\n\n\n\n<p>Below are the four main types of cat insurance you will find online, including what they will cover.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Accident_only\"><\/span>Accident only<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>As stated in the name, this insurance policy will only cover accidents that your cat is involved in. This might include if they get hit by a car or break their leg falling off a fence. When a claim is made, the insurance company will cover the cost to treat your cat.<\/p>\n\n\n\n<p>This is the cheapest type of policy available since it is the most basic. As it only covers accidents, it means your cat isn\u2019t protected from illnesses. If your cat gets an infection or disease, then you will have to pay for the vet fees yourself.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Time_limited\"><\/span>Time limited<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>While this insurance policy covers accidents and illnesses, it will only do so for a limited amount of time. Typically, time-limited insurance policies will last for 12 months and you can only claim once for a certain illness or condition.<\/p>\n\n\n\n<p>The problem with these policies is that once the 12 months are up, you won\u2019t be covered for any medication or treatment for ongoing issues. Whatever your cat is suffering from will be classified as a pre-existing condition and it will be harder to get insurance to cover it.<\/p>\n\n\n\n<p>This type of insurance is only good for healthy cats who might suffer from short-term illnesses that are easy to fix.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Maximum_benefit\"><\/span>Maximum benefit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A maximum benefit insurance policy will cover accidents and illnesses up to a maximum amount per condition. There is no time limit on how long you can claim for, which is great if you don\u2019t want to deal with policy renewals.<\/p>\n\n\n\n<p>This insurance option is great for cats who have chronic or persistent illnesses and will need treatment often. There is no need to worry about the conditions being classified as pre-existing, as the insurance coverage is continuous.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Lifetime\"><\/span>Lifetime<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A lifetime policy will cover accidents, conditions and illnesses for the lifetime of the policy. Each year the limit is refreshed when the policy is renewed. There are usually a number of limits to choose from so you can pick one that will suit your cat.<\/p>\n\n\n\n<p>This is a great option if your cat ends up developing an ongoing condition that needs treatment. If you want it to be covered, you can renew the policy after a year. If you don\u2019t, you will have to find an insurance policy that covers pre-existing conditions.<\/p>\n\n\n\n<p>Because lifetime policies often have the most comprehensive coverage, they are often the most expensive types of policy. However, if you want to make sure that your cat can receive treatment for any issue, a lifetime poicy will give you peace of mind.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"The_best_cat_insurance\"><\/span>The best cat insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Out of the four different types of insurance mentioned above, we believe the lifetime policy is the best cat insurance. The reason for this is that it offers a level of coverage that the others don\u2019t. There are also different levels of coverage to choose from within a lifetime policy.<\/p>\n\n\n\n<p>Lifetime policies can cover up to $4,000, or even $12,000, in vet fees per year, depending on which level you choose. This is more than enough to cover any illnesses and accidents that could possibly happen to your cat.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_much_does_cat_insurance_cost\"><\/span>How much does cat insurance cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you want a basic insurance policy such as the accident-only one, then you can expect to pay as little as $10 a month. On average though, the monthly premium for cat insurance in the US is $30.<\/p>\n\n\n\n<p>However, some insurance policies can charge up to $40 a month, depending on which policy is chosen and how much coverage is offered.<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/animalsa2z.com\/what-is-covered-in-pet-insurance\/\">What is covered in a cat insurance<\/a><\/li><li><a href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/\">This is how to find the best cat insurance for older cats<\/a><\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Frequently_asked_questions_about_cat_insurance\"><\/span>Frequently asked questions about cat insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Will_my_cats_breed_impact_the_insurance\"><\/span>Will my cat\u2019s breed impact the insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A pedigree cat will cost more to insure than the average domestic cat. The reason for this is that pedigrees usually have hereditary health problems due to their breeding. Insurance companies see them as a higher risk, hence the higher monthly premiums.<\/p>\n\n\n\n<p>Insurance companies always ask for your cat\u2019s breed so they can calculate how much of a risk they are to insure.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_isnt_covered_by_cat_insurance\"><\/span>What isn\u2019t covered by cat insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Most routine appointments such a de-worming and dental check-ups won\u2019t be covered by cat insurance. This is often because they aren\u2019t as expensive as other procedures to treat an illness or injury.<\/p>\n\n\n\n<p>Other common exclusions that aren\u2019t covered by cat insurance include:<\/p>\n\n\n\n<ul><li>Vaccinations<\/li><li>Pre-existing illnesses and injuries<\/li><li>Pregnancy<\/li><li>Euthanasia<\/li><li>Burial or cremation<\/li><\/ul>\n\n\n\n<p>All insurance providers will have details on their policies which state what they do and do not cover with the insurance. It is important to read the fine print, so you are well informed about the cat insurance you are buying.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_do_I_need_to_get_a_cat_insurance_quote\"><\/span>What do I need to get a cat insurance quote?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When visiting a comparison site or an insurance provider\u2019s website, you will need the following information on hand to get a quote:<\/p>\n\n\n\n<ul><li>Your cat\u2019s name<\/li><li>Their gender<\/li><li>Their age<\/li><li>Their breed<\/li><li>Any pre-existing conditions<\/li><li>If they have been chipped<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Lifetime_coverage_is_the_best_cat_health_insurance\"><\/span>Lifetime coverage is the best cat health insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your cat is part of the family, so it makes sense to make sure their health is never in danger. A lifetime cat insurance policy ensures they are covered against accidents, illness and conditions that could be short or long term.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"683\" height=\"1024\" src=\"https:\/\/animalsa2z.com\/wp-content\/uploads\/2020\/11\/What-is-the-best-cat-health-insurance-pinterest-1-683x1024.jpg\" alt=\"What is the best cat health insurance?\" class=\"wp-image-2922\" srcset=\"https:\/\/animalsa2z.com\/wp-content\/uploads\/2020\/11\/What-is-the-best-cat-health-insurance-pinterest-1-683x1024.jpg 683w, https:\/\/animalsa2z.com\/wp-content\/uploads\/2020\/11\/What-is-the-best-cat-health-insurance-pinterest-1-200x300.jpg 200w, https:\/\/animalsa2z.com\/wp-content\/uploads\/2020\/11\/What-is-the-best-cat-health-insurance-pinterest-1-768x1152.jpg 768w, https:\/\/animalsa2z.com\/wp-content\/uploads\/2020\/11\/What-is-the-best-cat-health-insurance-pinterest-1.jpg 1000w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>When a cat gets ill or has an accident, it is common to feel upset and worried. It can also be expensive to help them get better if you don\u2019t<\/p>\n","protected":false},"author":4,"featured_media":2921,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is the best cat health insurance? [ Detailed Answer ]<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/animalsa2z.com\/what-is-the-best-cat-health-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the best cat health insurance? 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