I'm the one asking about adopting a rescue cat. What about pet insurance? Is it a good idea?
She is a rescue cat. I don't know if they have the same kind of info as a shelter would have on the background.
Public Comments
1. i got animal insurance on my cat just to make sure if anything ever happend to my cat, so ya i suggest it just to make sure.hope his helped
good luck =]
2. Its up 2 you, yea maybe if she is a rescue cat then.
3. Definitely get them insured as vets bills are so expensive nowadays and insurance is really reasonable. We have two rescue cats and they are insured at a cost of about £11 per month (for the two together) and an excess on the policy of £100. We are insured with Tesco insurance and on the one occassion we have used them they were fantastic, paying out within 4 weeks and not haggling over any of the amount.
4. may be i know answer of your question
5. Its a good idea to get your cat insured, we have both of ours insured and recently one had an accident and cut her foot open. It would have cost is in the region of about £300 to cover the entire fees, which we just didnt have at the time. It is such a relief to know that we had the insurance to back us up. and thankfully, her foot is now fully healed!
EnL are good insurers, as are Petplan. They both have a wide range of coverage levels and are very friendly to deal with.
6. Hi there,
The only problem I would see is that your vet would have to "guestimate" the age of a rescued cat, because all pet health insurance companies do want the person applying to supply a birthdate or age of the potential pet to be covered. You really don't know the cat's health history as well, but your vet can provide a bill of health if everything is right, along with a fair estimate of the age.
If this is a purebred rescue, you should be able to get some more detailed history about the cat as well.
We have pet health insurance on both of our cats. We use 24 Pet Watch
http://www.24petwatch.com/petinsurance/
We have had all their wellness exams covered and dental work as well, but of course these items are covered in certain types of insurance that they carry. There is a wide variety of types available. Since a major illness can occur which requires very costly care, it is like a bet against the odds of course, but I feel a lot more secure knowing that there is financial assistance to cover something that may be very pricey. I learned my lesson several years ago after a $4,000 vet bill for major surgery and intense care hospitalization.
So if your cat is young, now is the time to purchase a policy. You can search pet health insurance on the web, and compare prices and what coverage is available. I HIGHLY recommend taking it to be honest.
Good luck with your new cat. How exciting to get a kitty to love and cherish for many years to come.
Hope this helps,
Troublesniffer
Owned by cats for over 40 years
Member: Cat Writer's Association
7. Yes, from personal experience i would get pet insurance. But id shop around as there are different plans on offer. You can also pay monthly by Direct Debt or you can pay in full. I also had a cat from a rescue centre and a year later the cat suffered from sickness. The insurance covered all the Vet costs and Medicine. Anything could happen and you'd then know your covered for the huge bill.
Make sure you keep up with yearly injections etc. Lastly, research the pet plan to see what is covered x Wish you well with your new cat x
8. After much research on the pet insurance thing, I have found that it is better to just take the money that I would put toward the insurance each month into a "Pets Only Savings Account" that I set up with ING Direct. I have 4 dogs & 1 cat & this was the best option that I came up with. That way, the money draws a small amount of interest each month & if I never need it, it is still mine...(P.S...ING Direct has much better interest rates than your local bank too...and it is all online.)
9. only if your cat can afford it. Usually the insurance tat shelters offer free has extremely limited coverage and carries premiums that would choke an elephant
10. I have insurance on my dog who is a rescue. You should get a vet examination before enrolling with insurance so they can determine if the cat has any health issues that may be a problem.
I think insurance is a good idea because you don't know if your cat might get into trouble (get hit by a car, swallow a foreign object) and those bills can get expensive. It's certainly a good idea to think about.
I would recommend Trupanion which is what I have. I chose them because they don't have annual limits or claim limits which is fantastic. Well good luck!
11. Is pet insurance worth getting? You bet. A friend of mine who has a bulldog told me about his last vet bill: $3,000!
A couple months ago, his dog was not feeling well and had trouble keeping down her food. She kept vomiting and was generally not her usual spunky self. They took her to a vet, who said that she would have to have a couple exams done and spend the night. An x-ray determined that something she ate was lodged in her intestine, making it difficult for her to fully digest her food. I am not exactly sure how they removed the object, but they managed to clear her digestive path out. She ended up staying for two nights at the animal hospital.
While they were relieved it was not anything serious, the bill for the visit, exam and hospital stay stunned my friend. Stunned me too, quite frankly. This prompted him to look at pet insurance - to avoid having to pay exorbitant animal care bills.
The good thing is he started early - the dog is still a puppy and so fairly healthy and not beset with the typical health issues dogs face as they grow older.
I have found two companies that seem to offer the best pet insurance plans out there.
Embrace Pet Insurance consistently receives rave reviews from consumers. Embrace is great for the following reasons:
•You can use any vet and do not have to use vets within a network, such as VPI's (with VCA).
•Embrace Pet Insurance plans cover genetic conditions. Treating genetic conditions can be very expensive and unfortunately many pet insurance plans do not cover genetic conditions at all.
•Embrace Pet Insurance's customer service is top-notch. Embrace turns claims around in 15 days or less. Their claims adjusters are veterinary technicians who keep in touch with you while your claim is processed.
•Embrace Pet Insurance plans reimburse your claim as a percentage of your actual veterinary bill so you almost always get more back. The way of calculating your reimbursement that other plans use, the benefit schedule method, oftentimes means you get back much less than you expect - less than 30% what Embrace reimburses you in many cases!
•Embrace Pet Insurance allows you to customize your plan. Each pet on your policy can have a different maximum, deductible, co-pay, and optional coverages. For example, if you have a young, healthy dog and an older, indoor cat then you could customize pet insurance coverages for each pet to get just the right level of protection. You can customize the following:
•Annual Maximum: Choose from $2,000, $5,000, or $10,000 per year
•Annual Deductible: Choose from $100, $200, or $500 per year
•Co-pay: Choose from 10%, 20%, or 35% per visit
•Prescription Drug and Dental Illness Coverage: Choose whether you want this or not
•Embrace Wellness Rewards Plan: Choose whether you want this or not
•Embrace Pet Insurance provides coverage for chronic conditions. Embrace provides what they call Continuing Care Coverage, which reimburses you for treatment of an accident or illness that first showed up in a prior period of insurance. In other words, it protects your pet against chronic illnesses or problems that last more than 12 months, including allergies, diabetes, thyroid imbalances, and osteoarthritis, to name a few.
•Embrace Pet Insurance does not raise your premium if you submit claims for your pet bills. And the only person who can modify your coverage is you. Once your pet is enrolled with Embrace, it stays protected for life.
QuickCare Pet Insurance is also one of the best deals I have found on the Internet. The good thing about their insurance program is that you can choose from different programs, and decide on how much coverage you would like to get for your dog while at the same time choosing how much of a premium you would like to pay on a monthly basis as well as how high a deductible you are willing to pay before insurance covers pet care expenses.
In other words, if you would like to get comprehensive coverage, you may have a higher deductible or pay a higher monthly premium. If you are okay with selective coverage, you may be able to pay a lower monthly premium or lower your deductible. With QuickCare Pet Insurance, you can pick the plan that meets your needs in terms of the care you would like to give your dog and your economic situation.
Almost everyone universally dislikes VPI, one of the first to provide pet insurance in the market. We tend to agree with this view. There have been too many complaints about disappointing reimbursement levels and VPI's tendency to raise rates once you begin submitting claims. Embrace Pet Insurance and QuickCare Pet Insurance have very good reputations in the market and almost always receive high ratings.
Some additional info at: http://momoshihtzu.com
http://momoshihtzu.com/blog/best-pet-insurance-for-your-shih-tzu/
12. I don't think pet insurance is a bad idea.
I'm partial to Embrace pet insurance.
See the article at the link below as it offers good info, etc.
best wishes!
