What Is the Truth behind Pet Insurance for Cats

Cat owners are often concerned about their pet’s health and how vet insurance for cats realistically works. We have good news, though: getting pet insurance for your cat is not as costly as dog insurance. We found the average monthly rate of pet insurance for dogs to be around $45, and yet cat pet insurance averages around $30. The cost of insurance covers accidents as well as illnesses. If you play your cards right and find an affordable plan, you could be paying a monthly average of the cat health care plan at $10 to $40.

So, How Much Should You Expect to Pay On Average?

It’s up to you to do a rundown of what you can afford to pay for the cat medical insurance. There are monthly premiums on the market from anywhere between $10 to over $100. If you want decent coverage, expect to pay anywhere between $30 and $50 per month on your cat.

Your Cat’s Breed Can Impact Pet Insurance Coverage

Along with your cat’s breed, your pet’s age, location, and coverage will all impact your insurance rates. Cat owners are quite lucky; they’re 60% less expensive than dogs when paying for feline health insurance. You can expect to save for owning a cat. However, age is a determining factor for insurance coverage. Older cats may face higher insurance rates due to more health issues at their stage. A four or five-year-old medium risk cat may be around $10 to $15 per month if you find an affordable pet health plan. If you need more pet health coverage, depending on your cat’s breed and if they’re more injury-prone, you can expect to pay $30 to $35 per month.

Pet Health Treatment Costs

The truth behind pet insurance lies behind your cat’s treatment costs. Without insurance, you could be paying around $300 per conventional treatment. Pet chemotherapy can cost anywhere from $5,000 to $10,000. You are going to want pet insurance for your cat to be aware of the unexpected costs. We all want to think that our cat will live a happy and healthy life with no health concerns. Do remember, however, that insurance is there in case of emergencies. There are more rare and uncommon diseases that could pop up. Your cat may fracture a limb. Or, they could get cancer. You do not want to be stuck, paying for expensive treatments without pet insurance.

The costs of vet visits for your cat can add up. A urinary tract issue may cost around $300 per visit. An upset stomach? Almost $400. Even a case of diarrhea or allergies could cost $200. Infections, including ear infections and upper respiratory infections, could cost between $150-$200. Finally, hypothyroidism can cost you $215 for a vet visit. Your cat could have any of these common conditions or multiple. You don’t want to have to keep shelling out the money for each vet visit.

Is it Worth Getting Pet Insurance For Your Cat?

It’s more than worth getting feline insurance. You do not want to be stuck with a huge vet bill for your pet’s health. In case of emergencies, can you afford to pay thousands of dollars in treatments and surgery? It’s not worth the burden or risk. Be sure to find the right pet insurance for your pocket and your cat’s well-being. Finally, don’t overestimate the power of being prepared for pet health emergencies.

How much is pet insurance for a cat?

The average monthly cost of pet insurance for your cat is approximately $10 to $100. There are also some comprehensive plans that cover both injury or illnesses and accidents. Typically, the cost of this type of plan ranges between $20 and $40 a month.

Can I get pet insurance for an older cat?

Yes, you can still get pet insurance for your older cat. There are some companies that no longer covers your cat if they are over their upper age limit, so be sure that you find an insurance company that has an age limit.

Do I need pet insurance for an indoor cat?

You might think that you no longer need pet insurance for your indoor cat because they have lesser chances of getting diseases and getting injured from accidents. However, it's always worth the money to get insurance so you won't have to pay for surgery bills or hospitalization expenses in case something happens. Indoor cats are especially prone to diabetes, arthritis, and obesity.

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Written by Leo Roux

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