We just got insurance for our 3 cats starting this year! We havent used it yet, but it is beyond reassuring to know we're covered for emergencies now. We had a cat pass away a year ago, bc his sudden heart failure was too progressed to treat reliably (a 50/50 shot to extend his life for a year (with no guarantee on quality)). But even if it was 100% chance of 10 more years, it was more than $7000 over the course of a year, and we literally had no choice... now we'll be able to have that choice
This is EXACTLY my thinking. Since most insurances aren’t going to cover a wellness visit within a reasonable price range for me, I’d like to have the option for emergencies. Even having them cover 50% over the deductible is better than nothing. I’ve looked at a few options, but right now I’m leaning heavily towards the cheaper option. The more expensive option covers wellness visits, BUT it will cost just under $300 per month for all five cats. When a wellness visit will cost me around $600 for all five. So far I haven’t found a plan that makes the wellness visit coverage worth it. But I’m still shopping around.
I did find an affordable plan for all 5 cats with no limits. As usual, the deductibles get higher and the percent they cover gets lower as the cat gets older, but if for $60/month I can realistically know that if there’s an emergency, price isn’t going to be the major deciding factor in care, it’s worth it.