We know it’s not fun to think of your kitten getting injured, but if you’re considering pet insurance, the sooner you can select a plan, the better!
Every year, around one-third of dogs and cats visit the veterinarian due to illness or accident. When you’re unprepared, those medical expenses can add up quickly.
Pet insurance usually comes in two main forms: accident-only or accident and illness plans. Accident-only plans cover expenses due to accidents like getting hit by a car, breaking a leg or swallowing a string. Accident and illness policies usually cover expenses due to accidents, infectious diseases and health conditions like diabetes, renal failure or cancer.
Pet insurance policies may have add-ons, such as wellness packages, that cover items like vaccines or dental cleanings. Other add-ons may be available for items such as alternative treatments (like acupuncture) or end-of-life care.
Most pet insurance policies exclude pre-existing conditions, and it’s common for policies to have extended waiting periods before coverage begins for specific conditions.
With most pet insurance plans, you‘ll need to pay for the veterinary bill up front. You then file a claim with your insurance company. Once you reach your deductible, the insurance company will reimburse you a certain percentage of the remaining covered expenses.
Choosing pet insurance now rather than later comes with several benefits:
- Younger pets usually have lower premiums than older pets. Many companies will lock in your premium, meaning they won’t increase it as your pet ages.
- The longer you wait, the higher the likelihood that your pet will develop a health condition that could be considered pre-existing.
- If an accident or illness occurs, you’ll know that you can recoup a large portion of the cost.
When shopping for plans, make sure you understand what each one covers. Your VCA care team is happy to speak with you about pet insurance for your kitten.
