How to Choose Right Cat Insurance Policy to Receive the Appropriate Veterinary Treatment

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How To Choose Right Cat Insurance Policy To Receive The Appropriate Veterinary

Treatment

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Based on the latest cat insurance reviews 2014, the main driver for the product has remained unchanged where consumers (i.e., cat owners) are concerned - the coverage must be suitable for the types of veterinary treatments the insured pet receives. Choosing the right insurance company for cat and, hence, the right insurance policy is then crucial for the pet to receive the appropriate veterinary treatment at the least possible out-of-pocket costs for the pet owner - you, for example.


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PREMIUMS AND DEDUCTIBLES



Pet owners, veterinarians, and insurance experts putting in their two-cent' worth in cat insurance reviews 2014 suggest comparing the premiums of 3-5 companies before making a decision. The comparison will uncover not only the lowest and highest premiums among companies but, more importantly, the least and widest coverage for routine care, accidents, and illnesses.



Your decision about the best insurance company for cat coverage will partly depend on the premium-coverage relationship. As can be expected in the insurance business, the rule of thumb is that the higher the premiums, the greater the coverage. It must be noted, nonetheless, that several factors including age, pre-existing conditions, and breed influence the premiums.



According to consumer cat insurance reviews 2014, the best time for cat insurance is between the ages of one and three. This is because younger pets are less likely to be diagnosed with pre-existing conditions, which may not be covered by the insurance company for cat coverage.



The insurance company for cat plans should also provide for a wide variety of deductibles; the amount is the out-of-pocket (i.e., initial) expenses that must be paid to the insurance company before the coverage takes effect. Based on expert cat insurance reviews 2014, you are well-advised to select the highest possible deductible that you can afford.



Why? Because then the premiums will be more affordable while the desired coverage remains.



Inclusions and Exclusions



Of course, the premiums and deductible must be commensurate, so to speak, with the inclusions and exclusions on the insurance contract. The best insurance company for cat plans - think of Petplan, the leading provider in Australia and New Zealand - provide for the following inclusions and exclusions:




Waiting period. Accidents and illnesses coverage usually with a 24-hour and 14-

day waiting period, respectively



Age. Pets must at least be 6 weeks old for insurance coverage purposes but there is no upper age limit, a notable

difference that authors of cat insurance reviews 2014 appreciate.



Coverage. Basic plans usually cover vet exam fees, diagnostic exams and imaging tests, surgery, prescriptions, rehabilitation, alternative therapies, non-routine dental care, and specialist treatments. Customised plans with inclusions like lost pet recovery, pet theft, and vacation cancellations are also available for a fee, one of the hallmarks of the best insurance company for cat plans.



Other inclusions are the opportunity to choose your own vet and the vets including the animal hospital are allowed to establish

their own fee structure.



Of course, be sure to check the exclusions. According to of cat insurance reviews 2014, Petplan has one of the fewest, not to mention the most reasonable, exclusions in the industry.



Claims and Reimbursements



The best insurance company for cat plans also has an excellent claims and reimbursement system. Read the cat insurance reviews 2014 and you will realise that Petplan, indeed, has excellent customer service, fast claims processing, and easy documentary requirements.


Get a quote for your dog, cat or horse today!

Call 0800 255 426 or visit www.petplan.net.nz




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How to Choose Right Cat Insurance Policy to Receive the Appropriate Veterinary Treatment