Emergency 6 :: Pet Health Insurance
 

Due to various and ongoing changes in the pet insurance industry, we are currently only recommending two pet health insurance providers, listed below.  If you wish to choose other providers, please research your choices carefully before committing to a specific insurance plan for your pets. The following are our recommendations, but are by no means a complete detailed benefits listing. See the websites for additional information on coverages, restrictions and terms.

UK users, click here for a searchable database on pet health insurance for your area. (We recommend Petplan.Com)
 
 

Veterinary Pet Insurance (VPI) Plan Examples.
For detailed information, see the VPI website.

Vaccination & Routine Care Coverage Sample
Procedure Annual Benefit Allowance
Comprehensive physical exam $10
Professional consultation (office call) $10
Fecal Test $10
Deworming $15
Microchip Identification $5
Choice of one of the following benefits:
FeLV/FIV test (cats only) $15
Heartworm test $15
Heartworm preventive medication $15
Plus your choice of one of the following benefits:
Spay/Neuter $65
Teeth Cleaning
(includes polishing, scaling, anesthesia and antibiotic treatment)
$65
Comprehensive health screen
(such as blood panel, urinalysis and EKG)
$65
Vaccinations (For Felines)
FVRCP $15
FeLV $15
FIP *** $13
Rabies $10
Prescription Flea Control
Purchased during the months of:
January - June $15
July - December $15

***  NOTE: CatHelp-Online does NOT recommend vaccinating for FIP, unless specifically discussed and recommended by your vet due to high risk factors. See our Feline Vaccination Schedule for more information

Standard Plan Sample Benefit Schedule (Compare to Superior Plan)
Condition Superior Plan
Reimbursement
Standard Plan
Reimbursement
Gastritis $357 $173
Gastric Torsion $1,993 $1,149
Intestinal Foreign Body $1,363 $780
Liver Disease $409 $240
Lacerations $501 $287
Abscess $378 $213
Pneumonia $588 $355

Click here to download complete benefits schedule (PDF file)
 

Superior Plan Sample Benefit Schedule

Condition Superior Plan
Reimbursement
Gastritis $357
Gastric Torsion $1,993
Intestinal Foreign
Body (Surgical)
$1,363
Liver Disease $409
Lacerations $501
Abscess $378
Pneumonia $588
Bladder Infection $270
Feline Leukemia
/ FIV virus infection
$519

Click here to download complete benefits schedule (PDF file)
 

NOTE:  The plans here are examples only, and are by no means a complete or detailed listing. More detailed information can be found on the VPI website.

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PetCare Pet Insurance
Cat Care Programs Examples - For detailed information, see the PetCare website.
 

Quick Care

Coverage Coverage Amount
Foreign Body Ingestion $2,000
Motor Vehicle Accident $2,000
Bone Fractures $2,000
Poison Ingestion $1,500
Burns $500
Allergic Reaction to Insect Bites/Stings $500
Accidental Death $500
Monthly Premium *** $8.50

*** See more complete details and restrictions about the Quick Care Plan.
 

NOTE:  The plans here are examples only, and are by no means a complete or detailed listing.  More plan coverages and detailed information can be found on the PetCare Pet Insurance website.

Quick Care Gold

Coverage Coverage Amount
Accident $2,500
Illness $2,500
per Category
Accidental Death $500
Boarding Kennel Fees $250
Recovery Costs $150
70% Coverage Monthly Premium: *** $15.75
100% Coverage Monthly Premium: *** $22.95

*** See more complete details and restrictions about the Quick Care Gold Plan.  This plan also includes a Double Illness coverage option

Quick Care for Indoor Cats
Coverage Coverage Amount
Feline Lower Urinary Tract Disease (FLUTD) $2,500
Cancer $2,500
Infectious Disease $2,500
Feline Asthma $2,500
Diabetes Mellitus $2,500
Foreign Body Ingestion $2,000
Bone Fractures $2,000
Poison Ingestion $1,500
Feline High-Rise Syndrome $1,500
Bite Wounds and Bite Wound Abscesses $500
Burns $500
Monthly Premium: *** $9.95

*** See more complete details and restrictions about the Quick Care for Indoors Cats Plan.

Quick Care Senior

Coverage Coverage Amount
Foreign Body Ingestion $2,000
Stroke and/or Seizures $2,000
Heart Disease $2,000
Cancer $2,000
Bone Fractures $2,000
Poison Ingestion $2,000
Motor Vehicle Accident $2,000
Lacerations $500
Bite Wounds and Bite Wound Abscesses $500
Burns $500
Allergic Reaction to Insect Bites $500
Boarding Kennel Fees $250
Owner Bequest $200
Euthanasia $100
Accidental Death $500
Monthly Premium: *** $19.95

***  See more complete details and restrictions about the Quick Care Senior Plan.  This plan also includes other coverages not listed here.

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Tips For Choosing Pet Health Insurance:

  • Make sure whether or not the insurance company requires "network" veterinarians or if you can choose your own.
  • Make sure you understand the insurance plan you are contemplating  and whether or not additional fees apply for certain conditions or incidents.
  • Make sure you completely understand "certain conditions apply" where applicable and whether or not these conditions are stated in your policy.
  • Some insurance companies provide Standard, Elite, or Premier Plans. Please make sure you understand the varying differences and varying coverages where each applies.
  • Contact your own local health insurance agent to see if a smaller company may be licensed to sell pet insurance in your state.
  • Make sure you understand conditions that require health certificates, conditions regarding pre-existing conditions, and conditions regarding treatment and diagnosis issues relating to your policy.
  • When you are contemplating a pet health insurance plan, discuss the plan with your vet so that you have a better understanding of whether or not he participates, and issues regarding applicable conditions as they apply.  Remember that some insurance companies charge additional fees,  or exclude certain treatments, and some may include higher fees for geriatric patients or pre-existing conditions.
  • Never commit yourself to an insurance plan until you are completely comfortable that it suits your needs and that of your kitty's health issues.  Carefully review the plan/policy and keep up-to-date on it's possible changes.


 
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