<p>Having a pet at home is a huge responsibility. You need to provide them food and medical care just like you would any human being. When you have a young and healthy pet, you might not think about health insurance yet. However, many experts will tell you that signing up your pet for a policy at an early age can help you save on medical bills. A pet insurance plan will ensure that your four-legged friend will get the medical care they need. Consider pet insurance as an investment to give your little tiger a healthy and long life without spending a fortune on medical care.</p>
<p><img loading="lazy" class="aligncenter wp-image-27458 size-full" src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Owner-hug-his-cat.jpg" alt="Owner-hug-his-cat" width="600" height="400" srcset="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Owner-hug-his-cat.jpg 600w, https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Owner-hug-his-cat-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<h2>Annual Cost of Vet Care for Felines</h2>
<p>On average, the cost of veterinary care can go up to $1,070 annually. You need to buy food, litter box, litter, toys, scratch posts, and pay for training. This number does not include the cost of veterinary care. Cats are susceptible to illnesses that require expensive treatments and can take a toll on your financial sources if you don’t have a safety net. Below are some of the most common conditions among cats and the costs of medical care.</p>
<h3>Regular Medical Exam</h3>
<p>Pet owners should take their feline friends to the vet a least once every 12 months to get a wellness exam. The vet can check for issues that may not be obvious to the untrained eye. For rescued and adopted kittens, they will need medical checkups more often.</p>
<h3><strong>Diabetes</strong></h3>
<p>• $300 a month<br />
• $1,000+ for hospitalization</p>
<p>For both humans and cats, the cost of managing diabetes can quickly rack up. The cost of insulin averages $300 per month while hospitalization can set you back by at least $1,000.</p>
<h3>Feline Urinary Tract Infection</h3>
<p>UTI is the most common condition among cats, especially senior females. The cost of lab work, surgery, and antibiotics can go as high as $6,000. The condition can also recur if not given the proper treatment.</p>
<h3>Kidney disease</h3>
<p>Kidney disease is one of the most expensive and most complicated conditions to treat. Kidney stone removal can cost $3,000, dialysis for $2,500 to $3,000, and $500 for any subsequent treatment.</p>
<p>How often you take your pet to the vet for a routine checkup will vary depending on the age and general health of the kitten. Vets will usually recommend an interval of 12 months for every routine exam. Annual wellness visits are standard for cats of all ages. If the kitten has not completed the necessary vaccines, these will also need to be scheduled. Aside from vaccination and routine exam, you also need to arrange for spay or neuter surgery.</p>
<p>The advancement of medical technology and improvement in dietary options allow pets to live longer than before. Cats often outlive dogs from a larger breed. The AVMA estimates that a 7-year-old cat is 54 years old in human years.<br />
The older your cat gets, the more often you may need to bring them to the vet. The AVMA recommends a semi-annual vet checkup arrangement for senior cats. This allows vets to detect signs of illnesses early on and provide the proper treatment.</p>
<h2><img loading="lazy" class="aligncenter wp-image-27466 size-full" src="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Happy-cat-with-close-eyes-and-hansom-beard-man..jpg" alt="Happy-cat-with-close-eyes-and-hansom-beard-man." width="600" height="400" srcset="https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Happy-cat-with-close-eyes-and-hansom-beard-man..jpg 600w, https://tower.top10petinsuranceplans.com/wp-content/uploads/2022/09/Happy-cat-with-close-eyes-and-hansom-beard-man.-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></h2>
<h2>How Cat Insurance Can Help?</h2>
<p>Cat insurance plans usually cover vet services such as diagnostic testing, exam fees, prescription medicines, surgery, and more. Insurance providers usually offer three different coverage types – accident-only, accident and illness, and wellness coverage.</p>

<h3>Accident-only</h3>
<p>This type of plan will cover medical expenses that result entirely from accidents. Broken bones are typically covered by accident-only plans as well as the necessary tests such as X-rays and CT scans.</p>
<h3>Accident and Illness</h3>
<p>This is the most comprehensive and most popular type of insurance plan for cat owners. It offers a wider range of protection. If your cat gets sick or breaks a bone you can claim reimbursement for both situations. The ASPCA lists the common medical conditions among cats which include:</p>
<p>• Diabetes<br />
• Cancer<br />
• Heartworm<br />
• Ringworm<br />
• Feline Immunodeficiency Virus (FIV)<br />
• Feline Leukemia Virus (FeLV)<br />
• Rabies<br />
• Intestinal parasites like tapeworms<br />
• Upper respiratory infections</p>
<p>When you have an accident and illness plan and your cat develops any of the conditions above, you can claim reimbursement for the costs of medical care relating to the disease. This is a huge help especially for cats that develop diseases that incur expensive treatments. For example, cancer entails expensive chemotherapy and radiation treatments, feline leukemia virus involves regular visits to the vet for an exam, therapy, and observation, and chronic kidney disease requires regular medications and supplements. Kidney failure is a common condition among senior cats, but an insurance policy can help cover the costs of medical care.</p>
<h3>Wellness Care</h3>
<p>Wellness plans are typically offered as an optional plan that you can add to your accident and illness policy. Wellness care covers the cost of preventive care such as teeth cleaning and annual exams. No insurance provider will cover a pre-existing condition, whether for dogs or cats. If your cat gets sick before the policy starts, you need to shoulder the costs of exam and treatment.</p>
<h2>Which breeds are susceptible to health problems?</h2>
<p>The following ten breeds are most likely to develop a health complication:</p>
<p>• Maine Coon<br />
• Siamese<br />
• Persian<br />
• Russian Blue<br />
• Ragdoll<br />
• Pure-bred American Shorthair<br />
• Mixed/Unknown breed<br />
• Domestic Longhair<br />
• Domestic Mediumhair<br />
• Domestic Shorthair</p>
<h2>How to Compare Options?</h2>
<p>There are two main categories you can use to compare different insurance plans. One is by the cost of the plan and two is by the level of coverage it offers. When choosing a pet insurance plan based on cost, you’ll need to consider the following factors:</p>
<p><strong>Annual Limit –</strong> The maximum amount the provider will pay or reimburse every year.</p>
<p><strong>Annual Deductible –</strong> The amount you need to pay out of pocket before the policy starts.</p>
<p><strong>Reimbursement Rate –</strong> The percentage of medical costs the provider should reimburse once the deductible is satisfied.</p>
<p><strong>Monthly premium –</strong> The amount paid every month to continue the plan.</p>
<p>It’s necessary to also check the level of coverage that each plan provides. However, if you are seeking comprehensive coverage and choosing a plan based on such, consider the following factors:</p>
<p><strong>Maximum Payout Per Incident –</strong> How much the provider will reimburse for claims related to an incident.</p>
<p><strong>Benefit schedule –</strong> Specifies the reimbursement rate for certain health concerns determined by the provider.</p>
<p><strong>Waiting Period –</strong> How long it takes for the insurance plan to kick in and coverage to take effect after signing up.</p>
<p><strong>Claim Expiration –</strong> How much time a policyholder is allowed to file a claim after an incident takes place.</p>
<h2>How To File A Claim?</h2>
<p>Pets health insurance differs from human health insurance. It is more comparable to compare it to a car insurance claims process. When your cat feels sick or requires a vet visit, you still need to pay the cost of the service. However, you can submit a claim to your provider with proof of the expenses. The company will reimburse you for the cost of the services and treatment covered by your plan.</p>
<p>Pet insurance claims usually take a few days but some can take a week. Note that only the cost of services and treatment covered will be reimbursed. If you have an accident-only plan, you can’t file a claim for medical expenses relating to an illness. If your accident and illness policy doesn’t cover prescription food, you also need to pay for these items with your own money.</p>


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