HomeHuman to cat relationshipIs cat insurance worth it?


Is cat insurance worth it? — 4 Comments

  1. Sandra is correct; one must read the fine print when it comes to pet insurance. Like human insurance, there are different levels and some don’t cover pre-existing conditions. I’ve never taken out the insurance myself, but I’ve also been very proactive with annual vet visits and if the cats get the sniffles in between, they’re at the vet pronto. I work with a shelter volunteer who primarily adopts senior pets and she always takes out the insurance. As part of our adoption process, free 30-day pet insurance is included, then the insurance may be purchased afterward. She always takes the option, because in doing so, she can lock in the price. In several instances, the insurance was a godsend since her senior dogs and cats required some type of medical care that was covered. The younger the pet, the less expensive the insurance is; however, like Michael said, unless the animal is purebred or of a breed known to have certain medical issues (hip dysplasia, etc) as in large dogs, it may be a better idea to just start a savings account strictly for your pet and add a little week to week and never touch it for anything but vet bills.

  2. Something not mentioned here is that not everything is covered by pet insurance. One thing I found is that dental isn’t covered, and this is a common expense, whether you get the cat’s teeth cleaned yearly, or wait for an emergency situation.

    I’ve looked into dental insurance, and decided against it, mostly because I’m on a limited income, our local shelter helps seniors once a year with vet bills, friends/family have pitched in when necessary and since I started feeding my cat raw food, her health issues disappeared.

    Her initial health issues started with a visit to the vet for constipation, and receiving an antibiotic (Baytril) for a “potential” UTI, when she had no symptoms and no tests were taken.

    She’s had reactions to several drugs given to her for various issues (with different vets).

    I did a lot of research before I decided which vet would clean her teeth and remove those affected by “resporptive leisons”. I was told that she has inheirited a “bad mouth”.
    So, she may have more tooth problems in the future. So, I keep a close eye on her teeth, which have been the costliest issue so far.

    I’m hoping that being an indoor cat, and eating raw food will go a long way in keeping her healthy. She does get out twice a day to roam freely with halter and leash, under my supervision.

    We don’t know what the future holds for our pet’s health or our own. I wouldn’t be without health insurance for myself, and fortunately I haven’t had any out of pocket expenses for surgeries. I have Special Needs MediCal-Medicare Kaiser, and only pay $1-10 for prescriptions.

    I’m pretty healthy, but when I’m not, I use home remedies for myself and even my cat, Mitzy. I have an extensive 1st Aid Kit for her that I would use before a vet visit.

    I stopped blindly trusting vets a few years ago, when Mitzy suffered because of them. I’ve even been rejected by a vet, after the first exam…..because I was “too involved”. I stil have the email she sent, following our visit, because most people wouldn’t believe it!

    If you do opt for insurance, know what you’re getting and what you’re not. Read the fine print…..that’s what will make a difference, and why it’s smaller than the rest.

  3. I have a friend who adopted an adult kitty. She had not had pet insurance for her other cats, but took out insurance on this kitty. She was glad she did, as the kitty developed several medical conditions. That insurance enabled her to keep the kitty healthy over the years. Six months ago the kitty went over The Bridge after a wonderful life with a wonderful person. I don’t have insurance on my group, as I have a wonderful vet who understands that it sometimes takes awhile to pay off a bill. So I have saved by not having insurance.

    • Yes, Susan, sometimes we get lucky (in one sense) and the insurance works out financially. But in general I believe that it does not. But it is good for ensuring that the cat gets the best treatment. When paying privately the owner might skimp on treatments.

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