Introduction
receiving a new kitten needs a little preparation – buying new food and water bowls, preparing their litter box and bed location, choosing a variety of toys. Having healthy kitten is not something that is granted easily. That’s why you should be ready for anything unexpected. Also, this is why you should consider getting pet insurance as a priority when you are about to get a new kitten.
Why insure a cat?
In general, cats and those animals that live indoors have less risks of getting health problems than dogs. But this does not mean that cats are not prone to health problems. In fact, it might get unexpected illness, attack or injury, no matter how you keep their surroundings safe.
It is true that the vet service in the US is one of the best services in the world, but it is also very expensive. This means that paying a visit to a vet can make you spend a lot of money. And if you don’t have some saved money, this can cause you more problems. Vets have discovered that cat owners either they miss out treatment or get a debt to pay the cost.
What does it cover?
Pet insurance is not different from the other types of insurance – there are numerous products that, of course, differ in the levels of cover and the benefits. There are maybe changes in terms of cover and price from one state to another. If we exclude California, there is almost no statewide regulations about this kind of policy. So, checking every small detail will be so important.
There are some elements in the basics of the cover like illness and accident, but there are no annual reviews, check-ups or the cost of vaccinations. But, some policies may cover in some cases like the cat is missing or it brings damages to others as well as even advertising when the cat run away. But with the majority of policies, you can pay the amount you want depending on your budget.
You can also choose among different levels of the amount the policy pays out. You can get 80%, 90% or 100% of the bill. For example, if you choose the first level, you can get 1000 $ from the insurance company, and if your plan is the second level, you may get 800$ or 900$. The more you have to pay for the premium insurance company, the more money you get as a refund.
Other options
If you don’t feel comfortable with the idea of pet insurance, at least think about the self-insurance. This requires opening a bank account to apply this idea. Putting an amount of money monthly into the account and only use it for emergencies or illnesses. Do not spend it on ordinary check-ups or on buying the needed kitten’s stuff. Save this money and hope you don’t have to use it until it is more and more of it in your account!
Whatever option you choose for your kitten, it is better to begin the insurance the moment your kitten is born. While that cute little pet will give you more love and happiness, it can also cause you to pay a big vet’s bill and it is recommended to be ready for that.
Conclusion
To conclude, I hope that you have gotten valuable information in this article that can help you get the best insurance for your new born little kitten with the best rate.
