Missouri (MO) Cat Insurance FAQs

What is cat insurance and why do I need it?

Cat insurance is healthcare coverage for cats. Like human health insurance, when cats need veterinary care, their insurance provider supports their owners in paying the vet bills. While cat insurance is not required for your cat to be treated by a vet, it is a useful tool due to the high cost of veterinary care. For example, without cat insurance, a life-saving surgery (including the cost of hospitalization and medication) could cost up to $15,000 out-of-pocket. This can be detrimental for cat owners, especially if this is an unexpected expense.

How old does my kitten need to be to receive coverage?

Most cat insurance plans require that your kitten be at least 6 weeks old in order to enroll in a cat insurance plan.

What is covered and what is excluded with cat insurance?

Cat insurance plans typically cover any veterinary care that is needed to treat sudden illness or injury. This includes care for viral and bacterial infections and broken bones.

Some cat insurance plans also cover preventative care, including routine physical exams and flea and tick treatments. If you are interested in receiving more substantial medical coverage for your cat, it is recommended that you find a plan that offers more comprehensive coverage.

How will I be reimbursed?

After a vet treats your cat, your vet will send you a bill, which you are responsible for paying up front. Then, you can submit a reimbursement request to your provider for the bill you paid. Your insurance provider will then reimburse you, based on your reimbursement rate, deductible, and annual maximum amount.

Will my cat’s vet accept my insurance plan?

Since cat insurance plans usually use a reimbursement model, vets do not need to “accept” or be “in-network” with cat insurance plans. Your vet will send you the bill for veterinary treatment provided instead of the insurance provider as the owner. This is helpful because this means that your cat can receive treatment anywhere.

Do I have to enroll in a plan that has a deductible?

You do not necessarily need to enroll in a deductible plan. While these are the most common types of cat insurance plans, some plans do not have deductibles. Whichever plan you choose depends on your preferences for the services covered and what is best for your finances.

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

Cat insurance is helpful to manage unexpected veterinary bills. In addition, there are also numerous tips and tricks to keeping your kitty as healthy as possible so that visits to the vet are few and far between.

1. Regular grooming

While cats are widely known for despising water, regular grooming is important for hair and skin health. Specifically, brushing your cat daily to remove excess hair that can result in hairballs is important.

2. Avoid dairy

Even though cats may like the taste of milk, too much dairy can actually cause gastrointestinal problems, which is why it may be a good idea to limit the amount of milk that your kitty drinks.

3. Well-balanced diet

Proper nutrition plays a key role in keeping your kitty healthy. Cats need a balanced diet that contains substantial protein and whole-food sourced ingredients. Also, vets recommended providing your kitty with both wet and dry food, as wet food can assist with hydration.

4. Play and exercise

Even if your cat prefers to play independently, it is still important to encourage play and exercise they can engage in independently. Providing toys and other engaging items around the home can be helpful tools in facilitating play.

5. Weather safety

As a midwestern state, Missouri can experience severe weather, especially heavy snowstorms in the winter and tornadoes in the summer. If your kitty enjoys spending time outside, be sure to keep them safe indoors if a storm is approaching.

Conclusion

Enrolling your kitty in cat insurance can seem overwhelming, but all you need to do is find the right plan for you and your cat, make a monthly payment, and then you are ready to be reimbursed! It can be scary when your kitty falls in, but cat insurance guarantees that your cat will receive the necessary treatment without breaking your wallet.

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

SwiftScore Ranking Methodology for Missouri (MO) Cats

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

• The average monthly price for a 2-year-old Missouri (MO) Cat with a $500 deductible located in the 63104 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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