What is the best pet insurance for 12 yr cat?

Question

I need a help in finding a good pet insurance for an older cat. I've been checking on the web but too much information and many won't cover older cat. ASPCA covers older cat but it costs about $90/month if I pick a coverage for chronic and long term conditions which most likely that's my cat need since he is old... Is there a better choice out there? Thank you for helping my boy live better and longer.

Answer 1

i worked at an animal hospital for 5 years and from what i saw with pet insurance is a crock. i know sometimes it helps, but i have only seen it help when the cat was a kitten, with papers from the breeder. even then it was hard for the owner to get the insurance to pay. i know the cost of pet care is high, do you really think insurance is going to help your cat live longer? no! just do what you can keep kitty happy and indoors and he or she will be fine.

Answer 2

If you live in the UK try Petplan.  My 14yr old cat has been insured with them since I adopted him at the age of 11.  It costs me £11 a month.  Perhaps obviously the excess is higher for an older cat so you have to weigh up the choice between making sure what they offer you is good cover for what you pay but so long as there are no prediagnosed conditions, they'll pay up immediately even if you've only had insurance for a month.  If you want to be able to pay your vet bills to keep your moggie healthy for years to come then I'd recommend Petplan.  To the best of my knowledge, they're the only UK insurer (other than perhaps PDSA?) who insure older pets.  Besides, I've known a moggie who lived until he was 26 so in that light, 12 isn't really that old.  15-20 is now common for most housecats.

Answer 3

I know it is very confusing when shopping for pet insurance. There are too many information out there and cause a case of information overload.

No pet insurance are the same and you need to find one that tailors to your cat's need. You have to be careful when choosing because some insurance company place a low cap on their reimbursement even though you are paying for higher premiums. Some will have low deductibles but will not cover much illness or low coverage for accidents and diagnosis. Many insurance companies will not cover pre existing conditions.

I cannot recommend one that stood out from the rest because what my cat needs might be different from what you need.

However, there is a site with a lot of good and useful reviews on the insurance available that you can look into.

http://www.petinsurancereview.com/

http://www.pet-insurance-info.com

Some guidelines:-

How old is your pet? The best time to purchase a pet health insurance policy is when your pet is young. Most pet health problems happen in the last two years of your pet's life. So, the younger your pet is, the better

Is your breed prone to medical problems? While policy premiums are generally not based on breed, certain hereditary conditions are excluded.

For instance, Persian cats are prone to polycystic kidney disease (PKD). You can still buy pet insurance for your Persian; just don't be surprised if it fails to cover related issues (some pet insurance policies may cover this, so check with your provider to make sure before you buy).

Is your pet already sick? Most pet insurance providers won't cover pre-existing conditions. However, if you can prove your pet had a condition that has been cured, that may be covered.

Can you choose your own veterinarian? For many pet owners, vet choice is key, and for good reason. Some pet insurance companies require you to use veterinarians on their own network. Others don't. As always, check with your provider regarding your choice of veterinarian.

What is your pet's lifestyle? If your dog or cat spends most of his time outdoors, that will increase his/her risk of illness or injury.

What is covered? Many pet owners purchase pet health insurance policies to protect themselves from the high cost of future medical problems. Others want regular pet care such as annual physical exams and routine checkups and cleanings.

Just be advised that most standard pet insurance policies cover catastrophic accidents and illnesses. Routine vet visits tend to come as add-ons and/or riders.

What State do you Live In? If you are searching on the internet for pet health insurance, you need to check this. Just because a provider does business online doesn't mean it services your state.

Check The Insurance Company's Track Record

Every state in the U.S. has an insurance commissioner. If the insurance company you are considering has had legal/ethical issues that should cause you concern, the insurance commissioner's office in your state or province should know about it. Check with them before you buy.

Answer 4

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Answer 5

Honestly, I wouldn't think ANY of them would cover a cat that old.  The point of insurance is that they collect money from you that covers things that happen later on to your pet.  With a twelve year old cat within a year it could be in renal failure and the insurance company's only collected a couple hundred bucks from you - do you really they'd then cover your vet bills?