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Best Colorpoint Longhair Pet Insurance of 2023

Lisa Scott

Colorpoint Longhair (also known as Javanese) cats are known for their beautiful long fur and sweet personalities and are classified as purebred, which means that they are prone to health problems like gum disease. With the increased cost of veterinary care in recent years, many people find pet insurance an invaluable resource. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

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.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

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.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement

Overview

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.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

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.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

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.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it for a Colorpoint Longhair?

Colorpoint Longhair cats are relatively healthy and long-lived. But like all pets, they can suffer unexpected health problems. Pet insurance plans may help you with the cost of treating your cat if something goes wrong.

Cats are curious by nature and love to explore, but sometimes that can get them into trouble. And sadly, it’s often unavoidable. You’re a good parent, who provides the best care possible, but unexpected accidents and illnesses can happen, even to the healthiest cats. That’s where pet insurance comes in.

Pet insurance provides peace of mind that you’ll be able to give your Colorpoint Longhair cat the best possible veterinary care without worrying about finances. It also means you won’t have to make a decision based on how much you can afford if your Colorpoint Longhair is unwell or injured.

A healthy and happy Colorpoint Longhair means more happy times for you. Pet insurance helps you provide your cat with the best possible care so they can get better sooner and recover from illness or injury faster.

Common health conditions for a Colorpoint Longhair

Some of the health conditions most commonly seen in a Colorpoint Longhair are:

  • Dental disease: This breed of cat is prone to dental disease and its teeth should be brushed at least once per day to prevent gingivitis (gum inflammation), leading to tooth loss.
  • Cancer: Lymphoma is the most common form of cancer seen in cats. It can affect multiple body areas and is often fatal if it is not treated early. Cats with lymphoma can have enlarged lymph nodes that cause swelling under the chin or by the jaw bone. 
  • Gingivitis: This is inflammation of the gums. This can cause bad breath, bleeding, or discomfort when eating. Regularly brushing your cat’s teeth will help prevent or reduce its severity.
  • Heart disease: Colorpoint Longhair cats tend to develop heart disease, with the condition being most common in male cats. Studies have shown that Colorpoint Longhair cats with the Dilute gene have a higher risk of developing this condition than others. 
  • Lung Disease: Chronic obstructive pulmonary disease (COPD) is a common problem in Colorpoint Longhair cats. The characteristic symptoms are coughing, wheezing, and difficulty breathing.

What does pet insurance cover for a Colorpoint Longhair?

Here’s what pet insurance generally covers:

  • Illnesses: Includes chronic conditions such as diabetes and cancer. Most pet insurance companies also offer customizable plans that allow you to pick and choose coverages.
  • Accidents: It covers accidents, including anything from a broken leg or to an ingested foreign object. Other accidents, such as pre-existing and congenital conditions, may not be covered.
  • Wellness care: Routine wellness care is rarely covered by pet insurance, but some plans offer optional coverage for annual exams and preventative care like vaccines and teeth cleaning. This type of coverage may be referred to as “wellness” coverage or “routine care.”

How are pet insurance premiums determined for a Colorpoint Longhair?

Here are the factors that affect Abyssinian insurance premiums:

  • Age: Young Colorpoint Longhairs have fewer medical issues than older ones, so the cost of insuring them is lower.
  • Gender: Colorpoint Longhair males that haven’t been spayed or neutered might pay higher rates because they’re at higher risk of certain diseases and injuries like testicular cancer.
  • Location: Where you live can affect what you pay for pet insurance premiums. If the location where you live has high vet bills, you can expect higher premiums as insurance providers have to pay more.
  • Deductible: When you submit a claim, this is the amount you pay out of pocket before your pet’s insurance kicks in. The higher the deductible, the lower your premium (and vice versa).

How to choose the best pet insurance plan for a Colorpoint Longhair

Here are some tips on how to choose the best pet insurance plan for your Colorpoint Longhair:

  • Check out the company’s reputation: Research the company thoroughly before signing up for any plan. Ensure the company is financially stable, has been operating for at least five years, and has received good reviews from its customers before signing up for any plan.
  • Define your needs: The first step to finding the best pet insurance is to define your needs. Think about your pet’s past and current health, age, breed, and lifestyle. Then, consider how much you can afford to pay in premiums and how much you’d be willing to spend on out-of-pocket expenses.
  • Consider your budget: Pet insurance is a monthly expense, like rent or utilities, and you must be able to afford it and pay on time each month. That means choosing a plan that fits into your family’s budget. Just remember, some cheaper plans are not comprehensive and might not cover everything you need them to.
  • Consider pre-existing conditions: Some plans won’t cover pre-existing conditions, which can include any ailment that your pet had before you bought coverage, even if the situation is minor.

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