I need help getting an afforfable insuranxe for my cat?

Question

I just got a cat from a friend of mine, just recently.
the cat's just a month old and i need an insurance that'll cover all the stuff for the cat's shots and everything.
I'm living in New York and it would be nice of you if u could tell me where and how can I get the insurance, and the cost and everything.
Thank you.

Answer 1

Veterinary Pet Insurance - Insurance for Dogs, Cats, Puppies ...
The nation's oldest and largest pet insurance provider with plans starting at less than $10/month. Providing health insurance for dogs, cats, puppies, kittens, birds and other exotic pets. ShelterCare is now part of the VPI pet insurance companies.

PetCare Pet Insurance - Founded in February 1998, PetCare is the only insurance provider offering pet insurance products in both the US and Canada, currently offering its PetCare Pet Insurance Programs in 10 provinces, 46 states and Washington, D.C. In addition to the PetCare Pet Insurance Programs, PetCare offers its pet insurance programs under a variety of names, including QuickCare, ShelterCare and Union Plus Pet Insurance. PetCare is underwritten in the United States by Lincoln General Insurance Company. This organization also goes under the online name of QuickCare Pet Insurance.

Pet Assure - The Pet Insurance Alternative. Headquartered in Lakewood, New Jersey, Pet Assure is the nation's premier pet health care organization with thousands of veterinarians in 46 states, the District of Columbia and Puerto Rico. Conceived in 1996, the company mandate is to enable pet owners to obtain quality care for their extended family members, at an affordable price.
Note: Pet Assure is a network of veterinarians and pet health care providers offering pet medical discounts on a membership basis. Pet Assure is NOT an insurance company (doesn't mean they're bad, just that they're not an insurance company).


A

Answer 2

Pet insurance like all insurance makes money for the companies involved. IMO it would be best for you to take on the expenses of the new kitten yourself right now.

Maybe think about getting the insurance when the kitten is around one years of age. You could even start a little savings account for kitty. Just regularly put what you would pay in monthly insurance premiums into her account. Heavy expenses with a cat come when they reach senior years (say 10 up). Cancer treatment is very expensive. If that is in the cards for this kitten (and I hope it will not be) kitty's bank account will contain many thousands of dollars.

Answer 3

i'm not sure if Banfield is in New York but I had my two cats on a health plan for their first year. It was $19.99 per month, per cat. This included spay/neuter, doc visits, all vaccinations, thorough exams, discounts on med/prescriptions, nice staff, clean facilities.

also, unlike petinsurance.com, you don't pay upfront and then get reimbursed... with this plan, it's all covered. oh, and the above mentioned plan is the standard plan...there's also a premium plan that is obviously a little more but covers more

the only reason i stopped paying was b/c money became really tight and i had to cut some things out. also, i figured that a cats health is probably most susceptible when they are kittens. it was WELL worth it because over the course of the year that I had the plan, I saved over $1000.

Answer 4

I got a Wellness Plan at Banfield, which is a chain of vets. They auto withdraw a set amount from you checking acct each month.
It covers all their vaccs. & even covered the full cost of the spay. You also get 10% off all meds. I really like the vet, they are very thorough & really nice to the pet (& owner too) I'd say it's definetly worth it for a kitten. I don't know if I'd get it for an adult indoor cat, because they don't usually need a lot of vet care.

Answer 5

Pet insurance generally does NOT cover any routine care. No vaccinations, spaying, neutering, declawing, etc. It only covers catastrophic illnesses and things like surgeries after trauma, etc. You're better off just setting money aside each payday to cover everything. If you do decide to go with the insurance, be sure and read the fine print, and call the company and get specifics.

Answer 6

Well, my partner and I self-insure the cat. Each payday we both put $20 into the cat health fund. (Different people can afford more or less depending on disposable income.) After 4 years or so, with lots of contributions and fortunately, few withdrawals (shots and the occasional weird illness) the fund around $1500.

Something to consider if you find pet insurance too restrictive or unaffordable.

Answer 7

Petshealth care plan covers 80% of your pets bill you can call
1-800-807-6724 or do a search on yahoo for pet insurance and its the 1st or 2nd option good luck

Answer 8

Never get insurance this is what you do. put $35 or $55 dollars aside each month do not spend it no matter what, so when you need to take your pet to the doctor you will have the money but if you put that money to buy insurance and your pet dies or run away you will not get that money back. I received this information from my vet.

Answer 9

VPI pet insurance - http://www.petinsurance.com
Pet Care - http://www.petcareinsurance.com/

Here is a couple of websites, they provide free on line quotes. So just type in your info and your good to go. I have the pet care for my bunch and they are good, but I think Canadian packages are a bit different.

Answer 10

Petinsurance.com

works great. Had it for my cat. Got his shots and neuter and got back over half the money I spent.

You pay first and they reimburse you. I thought it was worth it.