Pet insurance can help offset vet costs when your Oriental gets sick or injured. Weāve looked at the top choices for coverage, discounts, reimbursements, and overall quality.
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. (āPumpkinā) (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 Pawpās 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
Pet insurance is designed to help pet owners pay for unexpected illnesses and accidents, which can be pretty expensive. While not all pets will need care, some emergencies can cost thousands of dollars due to diagnostic testing, medication,s, and surgery. And while most pet owners have some savings set aside for their pets, those funds may not be enough if they face a serious illness or injury. Pet insurance can help by reimbursing a portion of the cost after you’ve paid them yourself.
You want to avoid saying no to treatment because it’s too expensive. If a cat needs surgery and her owner can’t afford it, she’ll likely have to put the cat down. Knowing you have pet insurance gives you peace of mind when your pet gets sick or hurt. You won’t have to worry about whether you can afford treatment because you know your insurer will help pay for it.
Common health conditions for an OrientalĀ
Oriental cats are generally healthy and live an average lifespan of 15 years. However, a few health issues are more common in these cats than in other breeds. Here’s an overview of the most common conditions you might see in them:
Bladder stones: These are common in Oriental Shorthairs, considered a genetically predisposed breed. The medical term for this condition is urolithiasis. Also known as bladder stones or cystitis, urinary tract infections can occur when a tiny stone forms inside the urinary tract and causes a blockage. The blockage can make it nearly impossible for your cat to urinate if left untreated. Bladder stones can also cause painful inflammation of the bladder wall and damage the kidneys.
Heart problems: Another condition that is more likely to affect Oriental Shorthairs is an enlarged heart muscle. The medical name for this condition is hypertrophic cardiomyopathy (HCM). It occurs when the heart’s walls thicken and cannot contract properly. HCM is sometimes associated with feline coronavirus, although this virus doesn’t always cause HCM.
Mast cell cancer: This is a common form of skin cancer in Oriental Shorthair cats. It can occur anywhere on a cat’s body, but it is most frequently found on the belly. It appears as a raised or swollen lump under the skin, and if it is not treated quickly, it can spread to other parts of the body. Mast cell tumors usually require surgery to remove them; radiation therapy may also be necessary if there has been any spread of cancer.
Liver amyloidosis: This is a chronic disease where amyloid accumulates in the liver cells. Amyloid is a type of protein that lodges in the liver cells and prevents them from functioning correctly. This disease mainly affects older Oriental cats. Signs include weight loss, jaundice, and vomiting. The treatment options are limited because transplantation of a donor’s liver isnāt possible for cats, as for people.
Periodontal disease: Periodontal disease is an infection of the mouth that causes inflammation and tooth loss. It can be prevented or slowed through regular brushing and dental checkups.
What does pet insurance cover for an Oriental?
There are three basic types of pet insurance: injury and illness, accident-only, and wellness plans. They can be customized with riders, such as hereditary conditions or breed-specific diseases. They are as outlined below:
Accidents: Cats tend to be full of energy, making them susceptible to accidents. Pet insurance covers injuries from car accidents, accidental poisoning, eating something foreign, and various other mishaps.
Illness: These comprehensive plans cover any accidents and an extensive list of diseases that may arise throughout your cat’s life, from common colds to cancer.
Routine care: You can add routine care for your pet insurance policy at an additional cost. This typically covers teeth cleaning, vaccinations, and spaying/neutering.
How are pet insurance premiums determined for an Oriental?
If you’ve ever wondered what factors into the cost of your pet’s insurance policy, look no further. Below are some of the most common questions about what determines pet insurance premiums. What factors determine my pet’s premium?
Pet insurance premiums are calculated using a variety of factors, including:
Location: Where you live will affect your overall cost. Generally, urban areas in the northeast and northwest tend to have higher fees than rural areas elsewhere in the country.
Age: Insurance premiums for pets rise as they get older. Thatās because cats are more likely to develop illnesses like diabetes or cancer as they age. A 1-year-old Oriental will typically have lower premiums than a 5-year-old one.
Deductible: Premiums will be lower if you have a higher deductible, which means you’ll pay more out-of-pocket before your policy kicks in.
Gender: Female pets tend to have lower premiums than male pets since they’re less likely to develop certain diseases and disorders.
How to choose the best pet insurance plan for an Oriental
It’s a good idea to choose insurance for your pet before you need it. There are several factors to consider when you’re choosing an insurance plan, so it’s essential to think about what you want your coverage to include and exclude and how much you can afford to spend on pet insurance. There are many things to consider before you choose a pet insurance provider. Here are some of the most important factors to consider:
Check out the company’s reputation: Not all pet insurance companies are created equal. It’s essential to do your research to be comfortable with the company you choose. Check their Better Business Bureau rating and read online reviews from customers. Also, make sure you understand their claim process before making a purchase.
Consider your budget: There are various options available to fit your budget, but make sure you understand the coverage you get for the price. If a plan seems too good to be true, it probably is.
Consider pre-existing conditions: Most pet insurance policies do not cover pre-existing medical conditions. You may be able to find an insurer that covers specific ailments, but it’s best to check out the policy limitations before signing up. If your cat has a pre-existing condition, you may want to explore alternative options for coverage, such as a rider on a homeowners or renters policy.
Define your needs: Some pet insurance providers specialize in plans that cover accidents and illnesses, while others offer wellness packages, too. If your cat or dog is relatively healthy, you may want to look for an accident-only plan. Accident-only plans usually cost less than comprehensive plans covering both accidents and illnesses.
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