When it comes time to get your new cat or dog, you may wonder if you should get pet cat insurance or pet dog insurance. The answer depends on how well you know the individual animal. Many plans also provide health bonuses which are also available to dog or cat owners. Pet Assure may be an excellent choice if you are looking for a cat pet insurance option. While not technically a pure pet insurance business, Pet Assure is also a discounted pet plan.
Like most insurance policies, Pet Assure includes the benefits of preventative care and veterinary fees. The policy also covers spaying or neutering, immunizations, and the first year of pet ownership. A standard policy has a deductible, which is the amount that you must pay before the benefits are offered. The amount of the deductible varies and can be anywhere from two hundred and fifty dollars to three hundred and fifty dollars. Some plans have a higher deductible in order to reduce the cost of the policy.
In the case of an unexpected illness or injury, there are several coverage options available through the policy. The first is emergency care. This includes access to veterinarians and emergency care hospitals within sixty miles. In the event of a death, the policy will cover cremation and the cost of pet funerals. This coverage is intended to keep the emotional trauma of a loss off of the pet’s owner.
Another type of coverage is for illnesses. Cats are prone to getting fleas, ticks, heartworm, and several forms of cancer. Most cat owners purchase heartworm medication at the pharmacy because they don’t understand the important nature of the medicine. Cats that are exposed to ticks or fleas are more susceptible to heartworm disease and other illnesses. Cats that are also infected with tapeworms will need to be medicated to prevent the spread of tapeworm infection to other pets.
Veterinarian care is another type of coverage offered through pet health care policies. Cats are sick more often than dogs, so they benefit from regular visits to veterinarians. The cost of treatment can vary greatly depending on the severity of the illness. There are some pet insurance plans that will allow multiple treatments at one time for a lower per-visit cost.
There are several types of coverage available for pets that are not covered by veterinarian care. Pet insurance policies typically offer coverage for several different types of diseases and conditions. The treatments for these ailments vary from plan to plan. A good example is a coverage provided for alternative treatments. Alternative treatments are commonly covered by pet health insurance coverage as long as they are administered by a licensed veterinarian.
One type of treatment that is frequently covered is said Ruiz’s syndrome. This is provided as an option for those cats that do not respond well to regular vaccinations. The said syndrome usually takes place when the cat has an abnormal reaction to a vaccination administered by the veterinarian. An alternative treatment is administered if the veterinarian determines that the animal is suffering from said Ruiz’s syndrome and determines that the cat would not likely suffer the same reaction if the vaccination was given.
The final category is pre-existing conditions. This type of coverage applies only to animals that are already sick or injured. This means that there are certain illnesses and accidents that will not be covered by a normal pet health care policy. In most cases, this type of coverage is only offered to animals that have only one existing condition. Therefore, it is wise to consult your pet insurance company to determine what pre-existing conditions are currently covered by their plan before purchasing a policy.