Himalayan is among the friendly and unique cats. These cats go along with your kids due to their less hyper and quiet talkative traits. If you have one, they are probably great members of your family and add taste to your lives.
Like other family members, keeping them safe and healthy should be a priority. Having pet insurance for your Himalayan cats is the best way to guarantee them regular medical care. So, how do you find the best Himalayan pet insurance?
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
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.
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
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
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
The dream of every pet owner is to see them being happy and healthy. This calls for ensuring they are eating well and undergoing regular medical checkups. In particular, your pet requires the vet’s attention in case of an accident and other health issues.
Himalayan is generally a healthy bread. This cat can live for up to 15 years. However, being a crossbreed of Persian and Siamese, they are prone to genetic health conditions. Essentially, the Himalayan is likely to develop health issues common to the Persian cats. Some of these conditions may require a surgical process.
Typically, surgery is usually expensive for both humans and pets. You might endure high veterinary bills. Also, you want to give your pet healthcare whenever they have an issue. But due to financial constraints, you have to choose the most affordable option, which might not be perfect for your pet.
Pet insurance will help you provide the best health and medical services to your Himalayans. You will no longer worry about the costs of treatment or keeping your pet healthy.
Common health conditions for a Himalayan cat
Generally, the Himalayans are healthy cats and have few health issues. They are calm and less hyper, which saves them from exercise injuries and accidents.
However, they are prone to genetic conditions inherited from the Persian breed. This cat also suffers from health issues due to its flattened face and shortened nasal cavities. Some of the common health conditions for Himalayan cats are:
Polycystic kidney disease (PKD) – PKD is a hereditary condition of the Persian breed. This disease involves the formation of a cyst in the cat’s kidney. The cysts increase gradually with the Himalayan age. The cause of PKD is the autosomal genes that this cat inherits from Persian. Though it appears when the cat is between 5 and 7 years, it can start as early as 3 years.  The condition is detectable through ultrasound. Notably, PKD has no cure, but it is easy to manage it through dietary changes and therapy with early detection. The fast progression of this condition results in terminal kidney failure and death.
Progressive retinal atrophy – this is another hereditary condition among the Himalayan breed. The progressive retinal atrophy affects the cat’s eyes. It occurs during the early ages of the cat – between 4 and 8 weeks. The condition can progress rapidly and cause blindness when your kitten is 15 weeks. The prevalent sign of this condition is the presence of excessive eye-watering. As such, it is essential to consult a vet in case you see such symptoms in your kittens.   Â
Breathing Problems – the Himalayans have a flattened face. This shape gives them a cute appearance. However, it contributes to respiratory issues. This breed tends to experience breathing problems such as a blocked nasal cavity, swallowing and breathing difficulties, and inability to do physical activities. These problems can be life-threatening and sometimes require a surgical process to treat.   Â
Heart disease – Himalayans are susceptible to heart diseases. In particular, these cats are likely to suffer from Hypertrophic Cardiomyopathy (HCM). This condition involves the thickening of the heart muscles resulting in reduced cardiac functioning.
HCM is incurable, but you can manage it through diets and medicines.
Cherry eyes – Himalayans are prone to cherry eyes condition. This disease involves a displacement of the third eyelid. The main symptom of cherry eyes is the red or pink swollen mass on either eyes or both. Treatment for this condition can be surgical or non-surgical.
Ringworm – this breed has long coats, which increase its ringworm prevalence. Though you can prevent ringworms by ensuring proper grooming of your cat, it is recommendable to take your Himalayan for regular vet appointments.
Skin and liver problems – skin allergies and liver issues are also common problems among the Himalayans. Hence, it is recommendable to consider bi-annual vet checkups to ensure your pet is fit and healthy.
What does pet insurance cover for a Himalayan?
Pet insurance covers cater for a range of diagnostics, treatments, and procedures for your cats. Others have preventive care as an add-on package. The covers vary with your pet insurance plan. Some plans will cover one aspect, while others offer comprehensive coverage. Standard pet insurance plans cover:
Diagnostic tests – your pet insurance can cover diagnostic tests to help you assess your Himalayan health status regularly. These include x-rays, blood tests, ultrasound, and other medical diagnostic procedures.
Surgical and therapeutic processes – some medical conditions in your pet will require surgical processes. Your pet insurance can offer a cover for both surgical and therapeutic procedures to help you handle the cost burden.
Emergencies and hospitalization – Your cat may require hospitalization in case of emergencies or other severe conditions. The pet insurance will cover these aspects to help you concentrate on other affairs geared towards the pet’s wellness.
Pet insurance covers various diagnostic and treatments. You will rarely find one offering preventive care as part of their regular plan. But as you know, prevention is better than cure is a common principle in the medical field.
Your pet will require regular checkups and vaccinations. It is crucial to consider a separate cover for preventive care if you want your pet to always be safe and healthy.
How are insurance premiums determined for Himalayan?
Pet insurance cover providers use different factors to determine the premiums you will pay for a Himalayan. Here are some of them:
Age – age is a central factor in determining Himalayan pet insurance premiums. Like in humans, you are likely to pay less for younger cats than the older ones. Old cats that have high chances of developing health conditions will also require you to pay higher premiums.
Location – the location of your Himalayan determines how much you will pay. If you are in a place with many cats, you will likely pay lower premiums than those with few Himalayans.
Potential hereditary conditions and medical history – your Himalayans medical history will play a role in determining the premiums you will pay. Cats with likely genetic health conditions and ones that have had some issues will attract high premiums. Essentially, some insurance will not cover pre-existing conditions unless you get an add-on plan.
How to choose the best Himalayan pet insurance
When searching for Himalayan pet insurance, you will find a wide range of providers in the market. However, not all will be a good idea. To choose the best pet insurance provider, here are some aspects to consider:
Your budget – different providers will charge different premiums. For this reason, always pick a plan that offers the best coverage with your budgetary limits.
Pet’s health status – your goal is to ensure your pet is healthy and safe. So, it is crucial to consider its health when choosing an insurance cover. Ensure the plan caters to all medical treatments and procedures that your pet may require.
Other factors include the insurance reputation and insurance plan coverage extent.
Ultimate Guide to Keep Your Pet Happy and Healthy
Learn how to provide the best care for your furry friend with practical tips and expert advice in this FREE comprehensive e-book.
