The Reality of Cat Health Insurance


Currently valued at $88 million and chalking up growth of at least 45% annually, the pet health insurance market clearly is a diamond in the rough; there are more than 136 million dogs and cats in this country-but less than 1% of them have insurance (versus 14% of dogs and 5% of cats in the U.K.). As Americans discover more about the true nature of cat health insurance and how it can save them time, stress and money, that 1% will grow exponentially. Even now, large employers are beginning to add pet health insurance options on their employee health packages. Cat Health Insurance is a real solution and is here to stay.

Take for example, if your kid were to break his leg and require emergency hospitalization. Your costs would look something like this:

Emergency room care $3,500.00

X-ray bill $ 500.00

X-ray technician diagnosis $ 950.00

Doctor’s bill $1500.00

Bill for your room in ER $7500.00

Total $13,950.00

Now that’s an intimidating number!

BUT! Thank God, you have insurance coverage, so really your co-pay bill will be about $250. BIG DIFFERENCE!

This very simplistic example can happen, and does happen every single day for cat owners across the United States. The extremely unfortunate truth that you would not like to admit even to yourself is, at that price without insurance to help, would you not consider having to put your cat down rather than suffer through paying such an outrageous vet bill? Tragically, many cat owners do just that. The sense of loss, guilt, helplessness and sadness in that kind of decision is unbearable.

That is why we want you to “go on offense” and take control of your cat’s health. It is that kind of decision that we see as “your opponent.” Stop and think about what you would do if you were faced with that situation. And now decide what you want to do today about preventing it from ever happening.

Here is a more comprehensive breakdown of what can be covered for cats:




Ear infections

Infectious diseases

Respiratory system

Musculoskeletal system

Bladder Infections and Feline Urological Syndrome (FUS)

Nervous system

Skin rashes

Gastrointestinal upsets causing diarrhea and/or vomiting




Eye problems

Cardiovascular system

Urogenital system

Endocrine system

Blood and lymphoid system


Abscessed, Diseased or Broken Teeth

X-rays, diagnostic procedures and laboratory tests to diagnose or treat an injury or illness

Gastric torsion (bloat)

Euthanasia of your cat when you and your vet agree it is required for humane reasons, resulting from injury or illness

Prescriptions drugs for a covered illness or injury

Some of the typical exclusions for cats include:

Preventative care or routine checkups

Pre-existing conditions or injury that existed prior to the effective date of the policy

Costs from breeding, pregnancy or nursing

Holistic, homeopathic herbal, acupuncture or chiropractic treatments

Experimental treatments

Organ transplants

Special diets or foods

Behavioral problems and treatments

Grooming or grooming supplies

Flea, heartworm or parasitic preventative treatment

Elective procedures

Costs for illnesses or injury arising out of organized fighting of your pet

Intentional injury to your pet

Health certificates or vaccination tags


Here is a list of the basic information you may need to provide about your pet:

o Name of cat

o Breed (if applicable)

o Pet’s date of birth

o When did you get your cat?

o Where do you live? Usually a zip code will do

Note: If you have an older cat, the pet insurance company may require additional information such as previous medical history and any pre-existing conditions.

Source by Brandon James