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Do I Need Pet Insurance for my Cat?

After you have adopted or purchased a cat and got the animal its appropriate medical attention, you should be done right? Time to enjoy your new furry little friend? Not quite. You should also be thinking about pet insurance. These policies usually cover veterinary fees when a cat gets injured or sick and may include benefits such as the costs of putting up posters if your cat goes missing. A reliable insurance policy can not only provide the necessary coverage for expenses, it can give you the invaluable reassurance that everything is going to be okay.

Types of Pet Insurance

There are many insurance providers and types of policies. Understanding this and doing your research to find the right one for you and your cat can make a big difference in the price and quality. Pet owners can get confused about their options and the benefits that each policy includes, but if you are careful you can find the right reasonably priced policy and move on to enjoying your new cat.

Why do I Need Cat Insurance?

The myth is that cats have nine lives, but just like us they can get hurt and become ill. When you don't have insurance, an unexpected vet visit can be a real problem. Vets can do a lot to help cats, but you will pay for it without proper insurance. To avoid these fees, owners should take out pet insurance.

Cat insurance policies can also help you cover the cost of finding a lost cat and compensation should your animal die suddenly. According to the site MoneyPug, which is widely used to compare pet insurance, not all policies are the same and you should do your best to find the one that works best for your situation by doing research.

Things to Consider

While your cat may be healthy and you think you don't need insurance at this point, you are probably wrong. This, in fact, is the best time to get insurance. When your cat is healthy, policies will be cheaper. Insurance is preventative, you should get the necessary coverage before your cat suffers an injury or an illness.

Ask yourself what you need from your policy. For example, you don't want to have to pay for vet costs should something suddenly happen. Think about what will happen as your cat gets older. It is important not to only think short-term, you must think about your cat's life and medical costs in the future.

Benefits of Insuring your Cat

For most people, the biggest encouraging factor of insuring their cat is reassurance. With a good insurance policy you will know how much you are paying. Your cat will get what they need, and some policies even include third-party coverage should your cat injure another animal. Some even cover the cost of damage to property.

How Much Will it Cost?

There are lots of factors that go into determining the cost of your cat's insurance, but four key factors represent the risk your insurer takes when insuring your animal. First, the cat's pedigreed and breed are a factor. Purebred cats are more susceptible to certain conditions. Your cat's age is another factor, the risk of illness increases as they get older while younger cats risk more physical injuries as they learn the ways of the world.

Where you live will also affect your insurance costs. Prices will be influenced by the cost of living in your area. Lastly, the type of cover for veterinarian fees come into play. Each policy will have its own restrictions and limitations. Certain insurers will want to avoid paying for certain things.

While you should never decide on insurance for your cat based on price alone, if you do your research you can find the coverage you need for a reasonable rate. Having said that, it is very smart to take out insurance as early as possible. That way you can reap the benefits of a healthy cat while staying prepared for the future. You don't want the cost of your cat's vet fees to get in the way of their health, especially at such a fragile time. Stay prepared and get the insurance you need to get reassurance that your cat will be covered in the event of an accident or unexpected emergency.