Monday, August 16, 2010

When is the Best Time to Buy Cat Insurance?

I hope that many of you Cat Chat blog readers are familiar with pet and cat insurance. For those who do have it, you are ahead of the game! Those who don’t have it and are doing some research, a word of advice, the best time to enroll your cat is when it is young.

Depending on the pet insurance company, many times you are charged a little bit more (a premium) every year just because your pet gets older. With Trupanion pet insurance, this is not the case! We do not increase our premiums due to pet aging. In our eyes, that is not fair because you cannot prevent your cat getting a year older every year. To see who charges an additional premium on their policy, check out the pet comparison charts!

In this case, you will notice that the best time to get cat insurance for your cat, is in fact when they are a kitten! With Trupanion, you can enroll your kitten as young as 8 weeks old and if they are younger than 1 year old, you can choose to have an optional coverage for hip dysplasia as well. Even though hip dysplasia is not as common as it is in dogs, it is still apparent in cats and quite frankly it is pretty expensive if it does arise.

Even though your cat may be a little older, this does not mean you shouldn’t get cat insurance. Cat Insurance is great for cats of any age but to save the most money in the end and to protect your kitty, the best time to get cat insurance is when they are younger because unfortunately, Trupanion and every other company does not cover pre-existing conditions (conditions that are present before enrollment). So prepare you wallets future and the future of your cat and insure them with cat insurance!


  1. Again, very wise advice. Rumblemum got us both insurance even before we arrived! She wanted us to be well cared for at all times.

  2. Inigo Flufflebum and d'Artagnan Rumblepurr, I seriously need to look into it. I don't have pet insurance and I often wonder if I need it. Have you found it to be helpful?

  3. Yes, it is indeed another wise advice as Inigo Flufflebum and d'Artagnan Rumblepurr said.

    My dogs don't have any insurance as it is a really new idea over here. However, I came across one a week ago and this one is the first and the only one in Malaysia. The pet insurance company just launched it last month. I think I need to read about it carefully before I make any decision.

    Thanks again, Caren.

  4. Priscilla thanks so much for sharing your thoughts as well!
    I am thinking that this is an issue I need to revisit for sure.
    I am thinking it is better to be safe than sorry!

  5. Well - if my peeps would have enrolled me the day the picked me up (I was 2), it might have helped cover the humgus dentist bill. Let's just say, it was under $10,000. Oh well, too late now. m said she might look into it, but when she did a year ago, it was very expensive and M wonders if they'd keep going back to his immune system as being pre-existing. Lots of things to think about.

  6. Mario OMC! Just under $10,000!!?? I can't even begin to imagine!
    I agree though there are lots of things to think about!
    Thanks for stopping by and for commenting!

  7. Hi Caren-Great information you're providing-and great looking design, too!

    Glad we have a mutual friend in Yvonne-terrific, ain't she?

    Your buddy,

  8. The housekeeper has looked into pet insurance with the vet, but ours doesn't take it, anyway. Before you get it, it's a good thing to check.

  9. Bocci Hi!
    Thanks for stopping by! Thanks for the compliment and for liking the design. I am hoping it stays but my blog is sponsored by a newspaper and I kind of goofed up when I changed the format and deleted some important info. They are going to change it but I am hoping they can keep a lot of what I have changed in tact but I am not sure.
    YES Yvonne is one incredible lady! Love her!
    Glad to have you as a new friend!

  10. Father Tom I never knew that some vets don't accept pet insurance. Are you in the U.S.? That is important info and I thank you for sharing! Thanks for reading as well!

  11. @Father Tom -- The last time I researched this, the pet insurance plans I looked into reimburse the pet owner, not the vet. The vet simply has to complete a section on the claim form (that you provide) and you have to provide proof that you paid the bills.

    There are many different flavors, but essentially you pay the vet, the insurance company pays you. You don't have to worry about whether or not your vet will accept it, and there is no financial risk to your vet. If your vet won't fill out the form, I'd have to wonder why. VPI, Embrace, Trupanion and others work this way.

  12. Kurt thanks so much for the clarification! We all appreciate it!

  13. Speaking from (dog) expereince I'd say day one! We brought home a puppy with a defect that surfaced in a matter of days. 15k later I would have preferred pet insurance!

  14. @Life With Dogs I need to listen to you! I will seriously have to look into insurance.
    I also deeply appreciate you stopping by and commenting! Thanks so much!


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