Cat Information

Cat health insurance plans?

Are there any cat pet health insurance plans that most vets accept? And if so, do all of them have a fee that is connected? Please help, my cat's sick.

Public Comments

1. There are some plans I have looked at, but honestly, they are not worth it. If your cat stays healthy then you end up paying more for the plan. And even if your cat does get sick, most plans don't cover all medical procedures and medicines that are necessary for illnesses, diseases, etc.
2. Check with your vet or local vets. Most pet health plans have a waiting period, so you probably could not use it now anyway. The plans are also costly. Try Care Credit. I do not know if they are a national company. They will loan for human or pets. Usually at least 3 months with no interest. The higher the bill, the longer they will loan interest free. I have 2 vets and they both refer clients to this company. We have had to use them a couple of times for expensive dental work on my husband.
3. I looked into the pet insurance many years ago for my cats, but at that time it was not available to residents of Virginia. Now they are too old and cannot be covered. Six years ago when I got my Chihuahua, I did check on it again and it would have cost me in the area of $30 a month. I decided to not apply for a plan. I don't know if you can get the insurance and immediately use it. Here is a link for you to check further. Also, I volunteered at a vet a few years ago. We had one client that had insurance. The way it worked, the client paid the bill in full and the vet completed treatment forms for her to submit to the insurance company for reimbursement. Another option is Care Credit. It is a credit card just for medical expenses, including veterinary. My cats' routine expenses are in the budget, but Care Credit has saved me many times for the surprises..and with older, ill kitties..surprises are frequent! You can see what vet offices accept this card in your area and apply online. Hope kitty is feeling better soon. Purrs to you and kitty.
4. Anything pre-existing isn't going to be covered. They have so many restrictions that I wonder if any of them are worth it. If you put $100 aside for your cat, then $20 a month for the life of the cat, you'll have a good base to work with in an emergency. Some of the plans want $50 a month, so doing it yourself is almost better.