Kansas (KS) Cat Insurance FAQs

What is cat insurance?

Cat insurance is a health insurance policy designed to support cat owners with paying for veterinary bills. Vet bills can pile up quickly if your cat is sick and can be quite expensive. Often, cat owners have to decide to euthanize their pets due to the high cost of veterinary treatment. Cat insurance companies believe that avoidable euthanisia does not need to be the outcome.

How old does my kitten need to be to qualify for cat insurance?

Most cat insurance companies require that kittens be at least 6 weeks old in order to qualify for pet insurance.

However, there is no age limit regarding eligibility for cat insurance. For example, if your family adopts a 17-year-old cat from a shelter, this cat would still be eligible for cat insurance.

Is it worth it to get cat insurance in Kansas?

As previously mentioned, veterinary care is expensive, with costs ranging from multiple hundreds of dollars to multiple thousands of dollars. While you are responsible for paying a monthly premium and a portion of veterinary bills, having cat insurance helps mitigate the cost of veterinary care.

Is all veterinary care covered by cat insurance?

Cat insurance plans generally cover any veterinary care needed to treat sudden illness or injury. Not only does this include care for conditions such as infections and broken bones, but this may also include cancer treatment.

One rule of thumb to follow when it comes to cat insurance is that most plans will not provide coverage for veterinary care needed for pre-existing conditions, which include any conditions diagnosed prior to the start of coverage.

What is a “reimbursement rate-based insurance plan?”

Most cat insurance plans use a reimbursement rate-based model. This means that the amount you are reimbursed depends on your specified reimbursement rate. For example, if your reimbursement rate is 80%, your insurance provider would reimburse you 80% of the amount of the veterinary bill.

In addition, the amount that you are reimbursed also depends on your deductible (if applicable) and your annual maximum benefit. Most companies will subtract your deductible amount from the total reimbursement amount.

Do all cat insurance plans have deductibles?

It is common for cat insurance plans to offer plans with deductibles. If you choose a plan with a high deductible, you will most likely need to pay a lower monthly premium, and vice versa for a low deductible. The type of plan that you select depends on what is best for your finances.

Are there any restricted cat breeds for homeowners insurance in Kansas?

It is unusual for cats to be restricted from homeowners insurance. Any pet restrictions usually apply to certain dog breeds. However, we suggest contacting your insurance provider to learn more information.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Kansas

1. Flea and Tick Prevention

Creepy crawly creatures like fleas and ticks are nothing to mess with. They can create significant skin irritation and cause your cat a great deal of distress. One helpful tip is to administer a flea and tick prevention treatment as often as is advised by your cat’s vet advice. These treatments can be provided by your cat’s vet or at home using an over-the-counter kit.

2. Safety Plan for Major Storms

As a state in the Midwest, Kansas often experiences severe weather, specifically thunderstorms and tornadoes. You and your family need to have a storm safety plan in place that includes who will be responsible for caring for your cat in the case of a major storm or evacuation. No one should be left behind by mistake.

3. Avoid Milk

Contrary to popular belief, milk is actually not that healthy for cats. Milk can cause indigestion and other stomach issues. If possible, refrain from giving your cat milk, or do so in small portions.

4. Yearly Vet Check-Ups

Routine medical exams are essential because vets are able to detect potential problems early, which increases the likelihood of successful treatment. You should bring your cat in for a check-up at least once per year (especially if preventative care is included in your cat insurance coverage!)

5. Facilitate Play, But Don’t Force It

Play and exercise are healthy for all animals. While some cats are more social than others, letting your cat initiate play is usually better. Many cats are independent and may not appreciate being forced into playing. However, you can provide the toys and environment that encourage play, and let your kitty take the lead.

Conclusion

No cat owner should have to lose time with their furry friend. Pet insurance allows pet owners to have their kitties by their side for as long as possible by providing financial support with veterinary costs. Veterinary care is expensive, even in Kansas. With pet insurance, you can relax knowing that the veterinary bills will not break the bank if your cat becomes ill. All you need to do is find a plan that is right for you and your cat, start paying the monthly premium, and your kitty is covered.

Ready to get started? After countless hours of research, we’ve found that Pumpkin pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Kansas (KS) Cats

We ranked the best pet insurance policies for Kansas (KS) Cats based on a variety of important factors including the following:

• Average monthly price for a 2-year-old Kansas (KS) Cat with a $500 deductible located in the 66109 zip code (Please note: prices will vary greatly based on your location)
• Coverage and benefits
• Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
• AM Best rating of the underwriter
• Reimbursement percentage
• Annual benefit amount
• Technology and user experience
• Ease of sign up
• Policy language clarity
• User reviews

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