Cats are great pets, and cat lovers would agree that there is nothing as pleasing as getting a new kitten home. While kittens are full of energy and can do funny antics, they are also known for their underdeveloped immune system. This is the precise reason why kitten insurance is so important. In this post, we will talk of the five aspects that need the most consideration, when you are buying a pet insurance for your kitten.
Low cost doesn’t mean that good policy. Policies can cover up to 100% of the medical bills, but you need to pay accordingly. As a pet owner, you must opt for kitten insurance comparison in detail, so as to understand the costs and benefits. Also, expensive plans may or may not be needed, and some of them don’t cover all health conditions, which must be checked for.
So, when should you get your kitten enrolled for a policy? Ideally, it is 8 weeks, but some companies do accept kittens of 6 months too. However, you need to be extra careful about buying the policy, as the bills for vets tend to be high in the first year, and you would want to get the maximum coverage possible. The older your cat is, the higher is the price you pay for a plan.
Reputation of the company
Insurance companies are not charitable institutions for sure, and hence, as a customer, you need to be careful. Look for companies that have a good track record and history, and make sure that you spend some time in comparing the services, not just the plans. This will help you in finding a partner that can truly help in the times of need.
As mentioned, cost and coverage is often related, but usually, there are two ways in which insurance companies reimburse pet owners. The first type is a percentage based plan, and you can choose up to 100% coverage for the bills and vet trips. The second kind usually offers reimbursement according to a benefit schedule, set by the company. No matter which kind you choose, it is best to have vet exams covered.
Pre-existing conditions are not covered with most companies, but you also need to understand the other exclusions, which often seem cloudy. Don’t miss on asking questions when you don’t understand the list and types of exclusions and inclusions.
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