What Does Pet Insurance Cover & Is It Worth It?

Your cat is an integral part of your day – from head boops for breakfast to making blanket muffins at bedtime – her happiness and health mean the world to you. Many pet parents want the best for their furry family, and while that can mean fancy designer bedding or the coolest treat and toy subscription boxes, there’s something more practical you can do to benefit your kitty: protect them with pet insurance. Even for healthy pets, insurance is nice to have.

What does pet insurance cover? Pet insurance can reimburse you for up to 90% of your vet bill, so when your cat gets sick or injured, you can focus on what matters: taking the best possible care of your kitty.

Here’s an example: When Lindsay Lawless’s cat Binx was diagnosed with pancreatitis, the cost of treatment was the last thing on her mind; Binx was in dire straits. Thankfully, after treatment, Binx made a full recovery, but Lindsay was left with a $1,685 bill. Lindsay was a student at the time and funds were tight; luckily she’d enrolled Binx with Healthy Paws Pet Insurance, and she was reimbursed $1,098.

Insurance for multiple pets and pet insurance for older cats will definitely save you a pretty penny on vet visits and any medical procedures your furbaby may need to undergo. 

How Pet Insurance Works:

You may be thinking “Should I get pet insurance? How does pet insurance work?” With pet insurance, you pay a monthly premium, and the insurance company covers a percentage of vet your bills (after the deductible is met). You can visit any licensed veterinarian including specialists and emergency animal hospitals (and some plans cover alternative care as well), pay your vet directly, and file a claim with the insurance company for reimbursement.

What Pet Health Insurance Typically Covers:

1. Unexpected Illnesses

Healthy Paws Pet Insurance reports the most common claims for cats include stomach issues, urinary tract infections, cancer, and ear infections, among others. It is extremely common to have unexpected ailments at least once in the lifetime of a cat, and they don’t usually coincide with a regular wellness checkup; they can happen at 2 am on a Wednesday and can be very serious. Diagnostic tests, Pet Poison Helpline calls, and urgent surgeries are all covered by pet insurance unless the condition was present before obtaining coverage.

2. Accidents

Do you know that old saying about curiosity? Well, we’d rather believe the one about nine lives instead! Prompt emergency attention for slips, falls, run-ins with a neighborhood dog, or worse means your cat has a good chance of healing and leading a healthy life after the incident. With insurance, that surprise trip to the pet ER is covered – whether it is an anti-venom for a bite or a cast for a broken leg.

3. Genetic and Chronic Conditions

From diabetes to heart conditions, cats are predisposed to many diseases that can greatly impact their quality of life if not properly treated. A diabetic cat will need insulin, and a kitty with kidney disease can start feeling better with a reoccurring prescription… these chronic conditions may impact your cat’s livelihood but are essentially treatable. Pet insurance covers the treatment and the prescriptions, every month, provided coverage begins before symptoms begin to show.

4. Improved Vet Care

Veterinarian science is advancing at the speed of human medicine. From CyberKnife procedures for cancer to MRIs for arthritis, diagnostic testing and treatment is faster, bigger, and better than ever! And with these developments come a happier, healthier life for your cat, and an increase in the expense of healing. Pet insurance coverage steps in and covers up to 90% of these bills, so pet parents don’t have to choose between the latest and greatest and the life of their cat.

How Much Does Pet Insurance Cost?

How Much Does Pet Insurance Cost? Pet insurance costs can vary depending on several factors, including the type of pet, its age, breed, location, and the level of coverage you choose. Typical pet insurance costs can range from around $20 to $50 per month for dogs, and slightly lower for cats. However, keep in mind that to get an exact cost amount, you’ll need to get a quote from a pet insurance company.

Protecting your cat from the unexpected and you from the financial burden of treatment, pet insurance assures that your pet gets the best medical care. Because you love them like family and will take care of them until their last days, pet insurance gives you the option to live a little more worry-free throughout all their (mis)adventures. How much does pet insurance cost? Get a free quote now to see your options.

Content provided by Healthy Paws Pet Insurance. Healthy Paws is one of the leading pet insurance program providers in the U.S. for dogs and cats and is ranked #1 by customers on leading review websites.