5 Facts to Know before Buying Kitten Insurance
Kittens are extremely curious critters, and they also have underdeveloped immune systems that make it tougher for them to fend off illnesses. Take care of both risks by enrolling in pet insurance, with plans designed to protect your precocious critter from accidents, illnesses and other maladies.
Kitten insurance plans typically enroll kittens from 6 to 8 weeks old and up. The sooner you can get your kitty enrolled, the sooner she’ll be covered for swallowing strange objects, bite wounds, allergies, coughs and a host of other issues. Get a handle on these top five facts and you’ll have a great idea of what kitten insurance works best for you and your young feline.
Percentage vs. Schedule Reimbursements
Pet medical Insurance plans either reimburse you a percentage of your vet bill or according to a set benefit schedule. Percentage-based plans generally let you choose between 70 to 100 percent of the bill to be reimbursed. Set benefit schedules give you a set amount for each condition, regardless of how much you actually paid.
Smart kitty tip: Review any things that are not covered by percentage-based plans. For example, some may not cover veterinary exams.
Coverage and Exclusions
Every plan outlines treatments and conditions that are covered. Each also has a list of exclusions that outlines things that are not covered. Pre-existing conditions are never covered, and you may find other conditions on the list.
Smart kitty tip: Choose a plan that doesn’t change or restrict coverage for things like filing a claim or turning a certain age.
Kitten insurance plans can range from covering just the basics to covering pretty much everything, including routine visits to the vet. Certain cat breeds are more susceptible to hereditary conditions, which plans may or may not cover. Make sure you know exactly what’s covered before you sign on the dotted line.
Smart kitty tip: Kittens typically need multiple vet visits over their first year for vaccinations, spaying or neutering and other routine procedures. These are things certain wellness plans or riders may help pay for.
Price vs. Value
The lowest price doesn’t always give you the best value. Collect several quotes from different companies and compare the coverage levels, exclusions, reimbursements and deductibles to determine which gives you the top deal for your money.
Smart kitty tip: Deductibles can apply annually or per-condition or per-incident, all of which affect value. Annual deductibles are paid once every policy period. Per-condition or per-incident deductibles are paid for every incident or condition that brings you to the vet.
Ensure your kitten insurance company will be here for the long haul by reviewing the company’s track record, history and stability.
Smart kitty tip: Make sure a company has an excellent reputation based on its own merits and is not just paying to use the name of a well-known organization to lure customers their way.
As mentioned, most kitten insurance companies accept enrollments as young as 6 to 8 weeks old. So collect your quotes and start comparing today. Give your kitten the health coverage she deserves while giving yourself a peace of mind.