Medical Insurance For My Cat: Is It Necessary?
Just as people have protection against accidents or illnesses, pets should also be covered for any eventuality. Many wonder: is it necessary to buy medical insurance for my cat? In this article we will respond to this query.
Medical insurance for my cat?
When adopting a pet – be it from a shelter, from the street or with a pedigree – it is necessary to provide everything it needs. In addition to food, bed and our love, animals have to be protected from illness or domestic accidents.
In the particular case of cats, they can be somewhat sensitive to fleas, changes in temperature or certain foods. They are also vulnerable to infections, mainly urinary. And although it is said that ‘they always land on their feet’, the truth is that sometimes they can be injured by playing in a high place.
In addition, we cannot ignore the hereditary or genetic pathologies of certain breeds. For example, Persians are prone to polycystic kidney, Maine Coon spinal muscular atrophy, and Siamese progressive retinal atrophy.
What to take into account before taking out medical insurance for my cat?
Of course, as a pet owner we do not want our best friends to get sick or suffer, but it is better to be prepared for what may happen. Sometimes, not having veterinary insurance translates into very high costs in treatments or consultations with a professional.
Before purchasing health insurance for your cat, you have to pay attention to certain issues. And analyze well if it is worth the monthly or annual expense:
1. Identify coverage
For example, if you don’t have a car and every time you take your cat to the vet you use a taxi, perhaps you should have medical insurance that includes a home veterinarian. It is also necessary to know if it covers hospital expenses, what tests or treatments are without additional payment and how many veterinary consultations are included per month or per year.
You can do the account according to what you are charged and compare it with the cost of taking your cat to the vet. Remember that it should be checked by a professional at least twice a year as a routine, not counting any illness or unexpected situation.
2. Analyze veterinary expenses
Taking the cat to the vet is not at all affordable, even when it comes to a control visit. If your doctor orders certain tests or tests, you will probably end up spending a fortune. Not counting in the event that a disease is diagnosed.
Make the account of the money you need each time you take your pet to the doctor and what they charge you for insurance. Even without using it for an emergency, you will likely end up spending much less with full coverage.
There are even different options in terms of prices and benefits. Some insurances include all expenses (operations, hospitalizations, medications, treatments, consultations, veterinary at home) and other cheaper ones have certain limitations or require additional payments.
3. According to the age of the cat
You can also choose to take out medical insurance for your cat in certain specific situations. For example, when he is a puppy he needs a lot of vaccinations and check-ups, and he can be more prone to certain diseases.
Another ‘critical’ moment is when a female is pregnant or if you decide to spay your pet. And, of course, as the animal ages, since the animal is more vulnerable to many pathologies of the breed or of any domestic feline; You will also be more prone to accidents, falls, or broken bones.
The truth is, pet health insurance is not expensive enough to take it out of a household budget. And, in the event of any eventuality, you will be sure that your cat will be protected and cared for.
