Many pet owners consider their pet a member of the family. As a cherished part of your family, you want what is best for your pet. For example, if you own a cat you may want to look into getting cat insurance. After all, you've probably spent quite a bit of money already getting your cat vaccinated, spayed or neutered, groomed, and of course buying things like toys and food. Cat insurance is not as expensive as you might think and can save you money in the long run. Many felines like to run outdoors to chase a bird or squirrel that has caught their interest, and in doing so can become injured. Also you never know if or when your cat may come down with a serious illness.
These are times when you will be glad you have this type of pet insurance. Coverage for your cat will usually cover treatment for emergency injuries and illnesses, and some policies cover preventative treatments and procedures like vaccinations. As with any insurance policy, there will be exclusions also, which are things that are not covered. Pre-existing conditions are usually excluded, and if they are covered there is probably going to be a waiting period of six months to one year. Congenital defects, behavioral problems, food and grooming costs are other examples of common exclusions.
The price of your cat insurance will depend on the type of policy you choose. There are policies that cover only emergency situations and those that cover both emergency situations and preventative treatments. These policies may only cover a portion, such as 80 percent, of the cost. Many pet insurance policies have deductibles, which is the price you pay out of pocket before the insurance kicks in. As with human health insurance, the higher the deductible, the lower the monthly premium and vice versa. To get the best insurance at the best price, you will want to do some comparison shopping. The Internet is a great tool to use when searching for pet insurance. Not only can you learn more about it, you can obtain free instant quotes.
You can find all kinds of pet insurance companies by going to any major search engine and entering the phrase pet insurance or cat insurance. You will notice that some of these companies are associated with larger companies that provide health insurance to people as well. On the website there should be a form where you can get your free instant quote. After you have compared prices and features of different policies from different companies, you can fill out an application which can also be done online. It is subject to approval by underwriting, after which you will get the coverage information as well as the exact cost of the policy. Usually your premium is due each month although some companies let you pay annually.
Cat insurance is not the only type of animal insurance available these days. You can get coverage for every pet in your home. Another popular type of pet insurance is dog insurance. However there is also insurance for exotic pets like lizards, snakes, birds and rodents. And, there is livestock insurance as well. Vet bills can be as expensive as doctor bills, so it makes good sense to protect your beloved pets with an insurance policy.