What is the best pet insurance out there for a healthy indoor cat? (just in case)
My 7 year old cat is healthy, but I'm concerned as he's getting older that I should invest in pet insurance in case he develops cancer or some other long term disease. He's a healthy indoor cat.
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We have Petshealth Care Plan and are very happy with this company. Previously we tried VPI, but Mom was not very happy with that company. Remember you still have to pay your bill up front with pet insurance and wait for reimbursement - usually 70-90% of reasonable costs. Often there is a deductible too. We have heard some kitties happy with Pet's Best and Embrace too. Do some internet searches, look at different companies and plans, and get some free quotes. Rates vary by company and the amount of coverage you want. You can opt for a plan that covers some routine things like vaccines and neutering if you want.
Linus (Dreamboat #72a) answered on 12/5/07. Helpful? / 0
I looked into pet insurance for my current kitties after I had a 13 year old (that I got at 12) who was diagnosed with kidney failure, hyperthyroidism, & a heart condition! We spent over $7,000 to treat her. The plans I looked at would have covered at most $2K in vet bills (not special food, etc). My employer and even my credit union offered 10% discount on pet insurance but after reviewing the plans, I opted not to buy because most plans are very/too specific about what is covered & they have low reimbursement limits. When I did the math, I felt that it made more sense to set aside money myself toward future health care cost. For example, if you set aside even $20/month for 5 years instead of buying insurance, you'll have over $1200 that you may or may NOT need to use for vet bills. Obviously this will only work if you stick to putting the money away as planned. I like the idea of pet insurance if I could find a good plan but I wanted to offer an alternative. Good luck!
Moxie answered on 12/8/07. Helpful? / 0