Nevada (NV) Cat Insurance FAQs

I often get asked these things by cat owners looking to get pet insurance. Take a look at these frequently asked questions about purchasing a cat insurance plan in Nevada.

Why Is It Important To Get Cat Insurance in Nevada?

It’s no fun thinking of your cat getting sick or having an injury. It’s something that a lot of people don’t like to contemplate. But at some point in your cat’s life, there is likely going to be a time when you have a high veterinary bill.

On a positive note, if you find the right vet and detect illnesses early, your cat’s health issues can be dealt with properly. Choosing the best pet insurance policy won’t just make sure your cat is healthy and happy – it can save you from ever having to make the ultimate difficult decision, euthanizing your pet because you can’t afford the vet bill.

What is cat insurance and why it is useful in Nevada?

In order to make sure your cat is fully protected, you need to get signed up with a good pet insurance company and to keep your policy active by paying a monthly amount. In the event that your cat has an injury or becomes sick, it’s normal for you to have to pay the veterinary bill up front yourself, then submit a claim to your pet insurance company for reimbursement of the cost.

It’s important to keep in mind that most insurance companies won’t cover the costs of vet bills to do with any pre-existing conditions. That’s why it’s a wise choice to purchase a pet insurance plan for your cat while it’s still a kitten (after it is 8 weeks old).

Having cat insurance in Nevada can really pay off. Vet bills for therapies like cancer treatment can get unbelievably high, costing well over $10,000. It’s not uncommon for cat owners to have to come to an awful realization: that they can’t afford to cover the costs of treatment. Having to make a decision to put your beloved cat down shouldn’t have to be because of this. Pet insurance exists to keep you from ever having to be in that position.

How young can I get my kitten insured?

You’ll find that most insurance companies require that your kitten is at least 8 weeks old before they’re eligible to be covered by cat insurance. One good thing about pet insurance is that the majority of insurance companies don’t have an age limit for when you can sign your cat up. In saying that, it’s highly recommended that you get your cat insured before they have their first birthday, as younger animals are normally much cheaper to insure.

Is it worth it to get cat insurance in Nevada?

At any point in your cat’s life, an illness or injury could occur that results in the vet bills piling up. It’s not unusual for Nevada cat owners to end up spending $3,000 or more when they have to make a trip to an emergency vet clinic. Ultimately, the decision is yours: whether paying your cat’s monthly insurance premium is worth avoiding the possibility of high out-of-pocket bills should something unfortunate happen. Nevada vets often cost more than veterinarians in other states, which is another reason why purchasing cat insurance is a good decision.

What does cat insurance cover, and what’s excluded?

Every cat insurance provider will vary in terms of what they’ll cover. Generally, any accident or illness your cat has will be covered, unless it’s specifically excluded. Typically, any injury or illness that is “sudden and catastrophic” will be covered by pet insurance.

Eye infections, broken bones, allergies, or swallowing foreign objects like string are some examples of things that will be covered. On the other hand, if your cat already has cancer when you apply for pet insurance, the insurance company won’t accept claims for the pre-existing condition.

Many pet insurance companies now offer the option of “wellness” packages. When you sign up for this package, your costs for routine veterinary care get covered, like vaccinations, annual check-ups, flea prevention, and more.

How do I get reimbursed for my vet bills?

As an example, we’ll imagine you have purchased insurance for your cat that has a 90% reimbursement amount, a $250 deductible, and a $20,000 annual max benefit. Now imagine your cat has a major injury or illness that results in an emergency surgery costing $10,000.

In this circumstance, your pet insurance provider will reimburse $9,000 of your vet costs, subtracting your $250 deductible. In other words, instead of having to pay $10,000 in vet bills out-of-pocket, you’ll only be paying $1,250.

The insurance company that differs from this rule is Trupanion, which pays vets in their network directly. This means you don’t have to cover any out-of-pocket expenses.

Is it better to choose a pet insurance policy with a lower deductible?

When you have a low deductible, it normally means your monthly payments will be higher. This means that you’re spending more every month but won’t be faced with an astronomical vet bill if your cat has a health emergency.

The best idea is to do the math yourself because only you know your unique financial situation. The great thing is, that a lot of pet insurance providers offer a handy calculator when you’re getting a quote for your cat. Most pet owners choose a deductible of $250 or $500.

Are there restrictions on cat breeds for homeowners insurance in Nevada?

Most states have restrictions on their homeowner’s insurance for certain breeds, depending on the insurance company you choose. When a cat is considered a higher risk profile, for example, if it’s a more exotic cat, they might be excluded by your policy. The breeds that are often excluded are:

• Bengal
• Chausie
• Keetso
• Egyptian Mau
• Savannah

It’s a good idea to contact your homeowner’s insurance company and ask them whether they cover your cat’s breed in your insurance policy. You might need to get a special liability rider in order to make sure your cat is covered.

5 Useful Strategies for Keeping Your Cat Safe and Healthy in Nevada

They say prevention is the best medicine. Taking these preventative measures will make sure that your cat isn’t at risk of getting sick or injured.

1. Keep Your Cat Cool

Nevada heat is not to be underestimated. With temperatures rising up to 120 degrees, it’s imperative to keep your cat away from the brutal summertime heat. Make sure that your cat stays inside in the air conditioning, or if you don’t have access to AC look into getting a portable swamp cooler or powerful fan.

2. Watch Out For Coyotes

Coyotes are a very real threat to outdoor cats in Nevada. I’ve heard one Nevadan say that she saw a coyote jump clear over her 5-foot garden wall, so don’t underestimate their skill at getting into your property. Whenever possible, supervise your cat’s outside time to make sure it’s safe from predators.

3. Give Your Cat Enough Water

The air in Nevada is incredibly dry, and many days of the year there’s 0% humidity. Cats, just like humans, need lots of water to stay hydrated in such dry weather. Keep your cat’s water bowl filled to the brim at all times. Sometimes it helps to have more than 1 water bowl filled, just in case you forget.

4. Keep Your Cat’s Vaccinations Up To Date

It’s a common misconception that indoor cats don’t need a rabies vaccination. In reality, it’s very important that all cats stay up to date on their rabies vaccines. Your cat could still come into contact with an infected mammal that enters your house unexpectedly. Once rabies sets in, it is nearly always fatal to cats, so don’t take a risk.

5. Provide Enrichment and Exercise For Your Cat

Cats are naturally very active animals. It’s essential for your cat’s wellbeing and happiness that you provide enough opportunities for exercise. You can do this by regularly playing with them. A simple feather attached by string to a stick will keep your cat pouncing for hours! Some cat owners swear by laser pointers for an enriching game.

Conclusion

When it comes down to it, finding the best pet insurance for your cat in Nevada shouldn’t be too difficult. I highly recommend signing your cat up for a good insurance plan as soon as it has reached the age of 8 weeks. The earlier in your cat’s life you purchase pet insurance for them, the less chance there is of them developing a pre-existing condition that could be excluded from coverage.

If you have an older cat, don’t be deterred from finding them a pet insurance plan. Planning ahead like this will be a valuable step if your furry friend should get injured or ill, and it can even help with routine wellness costs.

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 Nevada (NV) Cats

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

• Average monthly price for a 2-year-old Nevada (NV) Cat with a $500 deductible located in the 89117 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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