Monday, October 18, 2010

Can I Get Cat Insurance for my Adopted Cat? Guest Blog By Trupanion Pet Insurance

Cat Chat is pleased to present a guest blog by Stacy Kowalchuk from Trupanion Pet Insurance! Enjoy!

We (and pet insurance  companies in
general) often receive questions around insurance and adopted cats. Those who
have a basic understanding of cat insurance are aware that it doesn't cover the
costs of pre-existing conditions which often leads them to the question: how does cat insurance work if I adopted my cat?

The answer is actually quite simple. It works just the same way it would if you
were to have had your cat since kittenhood. When you file your first claim, we
request all available veterinary records, even if it's just an examination from
when you first adopted your new pet, and work from there.

You may be able to determine whether your cat has any pre-existing conditions
before filing any claims. Some cats that were relinquished by a previous owner
may come complete with their prior health records so you can easily see their
medical history. Or, if you notice that your cat had any health problems or
symptoms when you brought him home, then those conditions would be considered

It's a good idea to get cat insurance as soon as possible, before any new
conditions occur. Cat insurance  is definitely helpful
for covering the costs of any unexpected conditions that may arise in the

Stacy Kowalchuk is a rescue dog owner who works for Trupanion, an international
pet insurance  company based out of Seattle. Please feel free to contact her with any questions about pet insurance at


  1. Very interesting info on pet insurance. Thanks.

  2. Sounds to me like what the humans deal with, find a way not to pay and make more profits along the way!

  3. @Brian, well all companies are in the business to make money, not to lose money. I still think having pet insurance is something I have to seriously consider and it is something I keep dragging my paws, er heels on!

  4. I tried that with my girl Robin but the premium didn't fit the benefits, which were few. Now admittedly this was 18 years ago. :-) Thank you SO much for the follow. I will head over to your other blog. :-)

  5. I didn't even know there was such a thing as pet insurance. Interesting stuff. :-)

  6. @Admiral Hestorb you are welcome! Oh I am sure (or at least I hope!) that a lot has changed in regard to benefits in 18 yrs.
    This is my only blog! lol
    Thanks for stopping by!

  7. I'm still trying to convince M to get insurance for me. She's like you, just keeps dragging her feet. I'm going to have to work harder. Since I had all those toothie problems in the beginning, she is wondering how much of that infection stuff would be considered pre-existing. All my toothies are gone and I've not had any more infections anywhere for a year, so it seems fair to me that I wouldn't have any pre-existing condition, but maybe insurance would feel different. M tells me that is why she is holding back. She'll talk to vet she says when I go in (YIKES) for my annual coming up.

  8. Great post -- I only recently learned more information about pet insurance and have definitely considered it.

    I love your interviews, Caren -- it's always fun to learn a little something new :)

  9. Hi Mario, you and I are so much the same! If you are healthy now then I wouldn't think the teeth would have to be an long as you don't have anything wrong that could be tied to the teeth then you wouldn't have to worry. If your Mom checks it out please ask her to tell me what she finds out, or if I ever get my lazy butt on it I will let her know too!

  10. Angie thanks a million! I learn from them too! That is why I like to have the "experts" be guests rather than me writing about it because they know their "business" better than I do! Better to turn to the expert!

  11. Nice...please check out my terrier blog at...


  12. Aunty Caren,
    Mama says we have pet insurance in Australia too. With very low premium. However, her main concern is that the insurance only covers against bad health...but not against bad feline behaviour. MOL!!!! purrr....meow!

  13. Very informative.

    Nubbin wiggles,

  14. I had insurance for my dog, and it ended up being a disaster. When she got sick, she was initially missdiagnosed,so it took some time to determine what was wrong with her. Since she was treated so many times, they declined ALL her claims....

  15. Interesting post on pet insurance.

    I just found out that we finally have pet insurance over here lately but I'm still wondering whether I should get one for Eva and Mika after reading their policy. It sounds more like making money even though the premium isn't that costly and it's the one and only pet insurance available here. Well, I really have to think about it.

  16. Absolutely you can get insurance for everything, but the price of policy based on actuaries.

  17. thanks so much to everyone who commented! I am pretty sick (had a 100.4 fever yesterday but it is now going down) so I am not feeling super well to answer everyone individually but I so appreciate your reading and commenting!

  18. Brilliant post Thanks for the share information,The topic ae interesting to read and you will know your rights of claiming for the insurance you apply.