As a pet parent, you would do anything for your cat — but that shouldn’t include breaking the bank. That’s why many people choose kitten insurance to help them afford the unexpected costs of illness and injuries. This type of pet insurance reimburses pet owners for eligible vet bills and usually has a deductible, reimbursement level and annual maximum. To find the best kitten plan, compare quotes from multiple companies and consider your pet’s age when making a decision.
A good kitten insurance company should also offer competitive prices, convenient claims processing and detailed coverage. Some insurers have extra perks, such as a 24/7 pet health line, that can help you get quick advice on any issue. Others have partnerships with Walmart and Sam’s Club pharmacies to provide discounted pet medications. Finally, some insurers like Pets Best are consistently among the lowest cost options for pet insurance and they have a helpful team that can handle questions over the phone or online.
One thing to keep in mind is that most kitten plans exclude preexisting conditions, which means any condition your pet had before you bought the policy. That’s why it’s important to purchase a policy as early as possible, before your pet develops any problems.
Most cat insurance plans offer a wide range of benefits, from routine wellness care to emergency services. Some plans even cover dental problems, which are common for adult cats but less so for kittens. Other benefits may include travel coverage and coverage for behavioral problems, such as separation anxiety or aggression.
While most insurers cover the costs of routine wellness care, some do not. Check your plan’s details to ensure that it covers the things you want it to, such as vaccines, heartworm preventative and flea control. Some companies also offer add-ons to cover more costly wellness services, such as spay and neuter surgery or teeth cleanings.
If you are buying a premium plan, look for one with flexible rate options so that you can adjust the deductible, reimbursement percentage and annual maximum as your pet gets older. This way, you can continue to get the best coverage without paying too much over time.
Another important thing to consider is whether the insurer pays the vet directly or just reimburses you after your claim has been approved. Some insurers like Trupanion are known for paying the vet straightaway, which can speed up the process and give you peace of mind.
Lastly, some insurance companies have annual or lifetime maximums. This can mean that you won’t be able to get the full reimbursement for your pet if they need ongoing care for a serious condition. So, choose a plan with the highest maximum you can afford, but be sure to understand how that limit works before you buy it.