Your cat’s overall health contributes to the likelihood of them contracting illnesses or experiencing injuries throughout their life. Keeping up with your cat’s preventive and routine care is the best defense against unexpected health issues. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.
Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.
ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.
Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.
Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.
Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.
Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.
Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.
Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.
While we take good care of our cats, we may not think about treating illnesses or injuries until the moment they happen. Many times with cats, though, we may not recognize that they are sick or hurt right away. In fact, it is common for owners to not notice health issues with their cats until the issues have progressed significantly.
Once these illnesses or injuries have progressed, it may require extensive treatments and procedures to fix the issue and prevent long-term damage to their overall health. These serious treatments can come at a high cost, and many people may not be able to cover their cat’s medical needs in an emergency.
One of the best defenses against serious illnesses or injuries in cats is to prioritize preventive and routine care. This includes regular visits to the vet for wellness exams and check-ups. Cat wellness plans that include preventive and routine care helps you to maintain your cat’s overall health at an affordable rate.
Not all cat insurance providers have preventive and routine care coverage plans. You will want to ensure your provider has this option available to be able to get coverage for preventive and routine treatments.
Typically, these coverage options are offered in addition to regular pet insurance, which covers treatments for injuries, illnesses, or a combination of these two. Wellness plans are often offered as a separate plan, or as an additional option to add to your overall pet insurance coverage. Wellness plans often cover:
Though wellness plans cover many treatments and procedures related to routine and preventive care, they will not typically cover pre-existing conditions. Most pre-existing conditions, like cancer or arthritis, that your cat may experience will often not be covered by your wellness plan.
There are many factors that help to determine your cat’s wellness plan monthly premium. Here are some of the things that contribute to your plan’s premium amount:
Additionally, whether you have a separate wellness plan, or a wellness plan added on to your overall pet insurance coverage will contribute to your monthly premium. If you have a separate plan from your regular pet insurance coverage, you may need to pay more per month than if it is included as an add-on to your overall coverage. Your deductible, coverage cap, and reimbursement percentage will also factor into your monthly premium amount.
Choosing the right wellness plan for your cat can be difficult, as there are many options available. Here are some things to keep in mind as you make your decision: