Do you own a fluffy, tender kitty and want to ensure that it lives out its days in sound health and bliss? If your answer is Yes, getting the best insurance policy for your feline companion is a must.
There are many things to consider when you own a cat in Australia. More pressing is the cost of its maintenance in terms of feeding, veterinary care, treats, and toys, which is on the high side. Also, there’s no telling what may happen to the cat in the short or long term as it could swallow a pin or fracture its heel. The point here all along is that financial worry over your beloved pet can be avoided if you have the right insurance plan.
We know your pet is important to you; this is why we have compiled this guide. It contains how to go about selecting the best insurance for your cat in Australia.
Let’s begin by looking at the benefits of an insurance policy for your cat.
Why Your Cat Needs an Insurance Policy?
There are many things you and your cat stand to gain from an insurance policy. Here are few perks that we’ve uncovered:
- It takes care of unexpected eventualities
Cats are somewhat fragile and, if exposed to unhealthy conditions, may develop an illness. A story was told of a healthy cat in the morning whose hind leg got amputated in the evening because it slipped from the balcony. This is not to scare you but to open your eyes to the reality that humans have no control over fate. You can’t help but spend to save your cat’s life when any harm befalls it. Therefore, with a good insurance policy, you can be rest assured that your emergencies are well covered.
- It’s the rational thing to do
Lately, there has been an increase in the quality of veterinary care for animals as new pharmaceutical drugs, feeds, and supplements have been produced. The implication of this, however, is that there is a proportional increase in price too. You won’t have to bother about any of these if you have a crisp insurance plan for your cat. Get a pet health insurance because it’s a rational choice to make.
- Streamlined and effective budgeting
Since the insurance takes care of the emergency needs, it becomes easy to work with an accurate budget for your cat. You can estimate its maintenance cost and stick to the budget for a long period.
What to Consider if You Want to Get an Insurance Policy for Your Cat?
The benefits of having cat insurance sound perky. However, this should not drive you to get the wrong plan. There are criteria that you have to consider if you intend to get the best insurance policy in Australia. Here are some things to watch out for:
- Check for reputation
There are quite a number of insurance outlets online offering different kinds of services. However, it’s a surety that most of them are not legit; they are only looking for people to jilt. You shouldn’t fall victim to this.
So, do a bit of research on the insurance company you want to go for. Check for how long it’s been in the insurance business; check if it is reliable, what policies it covers, and what it doesn’t. Also, look for random trustworthy testimonials from customers who are presently with the pet insurance company to validate its reliability.
- Check for what’s covered and what’s not
Before accepting a plan, consider what the pet health insurance is covering. Some plans may not cover pre-existing, genetic, and congenital conditions. Ensure to avoid restrictions of whatever nature on your claim when you accept the plan.
Pay attention to every detail. For aspects you don’t understand, seek clarification from the appropriate person – ask questions. Don’t just accept hook, line, and sinker that is being offered to you. It may have some unpleasant repercussions in the future.
Also, you are going to be paying a premium on a monthly basis; you should find out about the frequency of this. Do not leave any stone unturned before signing up for the plan.
- Opt for a good plan
Insurance companies offer flexible plans that anyone can easily fit into. If you want coverage for every aspect of your cat’s wellbeing, you can go for the full plan that covers such. Whatever plan you want to go for, ensure you consult your veterinarian for direction. Don’t just opt for a plan because it’s cheap or discard a plan because it’s bigger than your budget.
- Check if cost equates to value
The ultimate reason you’re buying a pet insurance plan is that you are interested in the wellbeing of your cat. So, any plan that does not offer you a premium for a token should be discarded. Ensure that the cost is proportional to the value or, better still that the value of the plan outweighs its costs. That way, you can be rest assured that the plan is goal-oriented and well-suited for your cat.
- Ask for discount
There is no harm to ask if the pet insurance firm has any deposit on premium and other services that it offers. If you have two or more cats and decide to get a pet insurance policy for all of them, there should be a discount for you. By getting a discount, you can save a little part of your money.
- Be clear about your reimbursement plan
If you prefer getting your reimbursement using fixed invoice percentages filled out by your veterinarian doctor, you should let the insurance company know. And if you want to get it in the form of an annual benefit, ask about that, too.
Your feline companion deserves the best of health care, food, and care. By opting for a good insurance plan, you are on your way to satisfying this. There’s no point delaying the inevitable. Find some of the best pet insurance out there and swiftly make your selection. Every second counts for your cat; get a viable pet health insurance scheme now!