Vermont (VT) Cat Insurance FAQs

What is cat insurance?

Cat insurance is much like human medical insurance. When we get sick or hurt, we go to the hospital. When your feline experiences the same thing, they go to the vet. Cat insurance providers help cover the bill that results from said visit. One key difference to keep in mind is that you will generally be paying out of pocket and be retroactively compensated by your insurance provider. Additionally, every provider offers slightly different coverages in their policies, so be sure to compare them before settling on one.

What is the process for signing up for cat insurance?

Signing up for cat insurance is pretty straightforward. You will first examine different policies to decide which provider offers the coverage that you need. Then, you will reach out to that provider and let them know you are ready to discuss signing on with them. This is a great time to ask any other questions that you may have. Finally, you will sign an agreement and make your first monthly premium payment. From that point on, your furry friend is ready for anything, armed with the complete protection of cat insurance!

Do I really need cat insurance in Vermont?

When considering whether cat insurance is worth having in Vermont, it is important to keep a couple of things in mind. First, many diseases and genetic illnesses have nothing to do with your location. These also tend to be more expensive to treat than your run-of-the-mill local hazards due to the need for ongoing care. Secondly, Vermont may seem safer than other states, but it still carries wildlife and environmental risks to your kitty. It is better to have cat insurance and not need it than to need it and not have it. For example, a single trip to the emergency vet without insurance can amount to several years of cat insurance premium payments! Cat insurance is always the smart choice.

How does insurance compensation work?

Compensation works the same way with the majority of insurance companies. You will initially pay your vet bill out of pocket. Following that, you will file an insurance claim and receive compensation from the insurance company. Keep in mind that your policy must be current on premium payments to avoid a lapse in coverage.

Note: One company that offers an exception to the rule of paying out-of-pocket and being reimbursed later is Trupanion, which will send payment directly to veterinarians in their network.

What vet bills are covered by cat insurance?

You can expect most insurance providers to cover anything considered “sudden and catastrophic.” This includes broken bones, lacerations, infections, choking, and more. In addition, many companies also offer “wellness packages” to help out with routine visits, heartworm medication, and vaccinations, to name a few.

As a general rule, insurance companies will not cover pre-existing conditions. This means that if your feline has already been diagnosed with something or even simply has a vet bill from before your insurance start date, it will not be covered.

What is an example of insurance reimbursement?

Let’s say that your cat is badly injured, and you rush it to the emergency vet. Fortunately for you, they are well-trained in animal medicine and can save your kitty. However, this expertise comes at a price, and you now owe $10,000. Yikes! Luckily, you have cat insurance. Your current policy gives you a 90% reimbursement amount, with a $250 deductible. Your annual max benefit is $20,000. In this scenario, your insurance company will reimburse you for $9,000, minus your $250 deductible. Because you had insurance, you now only owe $1,250 out of pocket instead of $10,000!

5 Useful Tips for Keeping Your Cat Safe & Healthy in Vermont

Our best recommendation for keeping your cat safe and healthy is, of course, cat insurance. However, it is also essential to take certain precautions to help mitigate some of the risks to your furry friend. Here are five useful tips for keeping your cat safe and healthy in Vermont:

1. Schedule Regular Vet Trips

Our first tip is also the most important. Taking your cat in to see a veterinarian regularly can ensure your kitty maintains good health when possible. Furthermore, a skilled veterinarian can identify many illnesses through early detection and treat them before they become more severe.

2. Mind the Vermont Weather

As one of the northernmost states in the country, Vermont experiences heavy snowfall in the winter. The winters are also quite cold. For this reason, you must make sure there is no way for your cat to escape to the outdoors without any other shelter. A domesticated feline has limited survival abilities and can quickly become lost in the snow and freeze to death. If your kitty is fortunate enough to survive its accidental time in the freezing cold, you can expect a trip to the vet to treat related injuries.

3. Be Aware of Local Wildlife

While it has less dangerous animals than many states, Vermont wildlife still poses a significant threat to your feline. Animals like black bears and moose tend to leave smaller creatures alone, but there is always a chance of “a wrong place at the wrong time” scenario. Additionally, rabies is present in Vermont. Rabies can quickly kill your furry companion if left untreated and will likely cause permanent damage even with treatment. For this reason, if you have your cat with you outdoors, you should keep an eye out for skunks, raccoons, foxes, bats, and woodchucks.

4. Keep Water Available for your Cat

Vermont is not as hot as most US states, but that doesn’t change the need to ensure your furry friend stays adequately hydrated. Proper hydration is essential to cats for immune system support, digestion, and energy level. Remember, most felines cannot effectively communicate to you when their water bowl is empty. Therefore, you should check your kitty’s water at least once a day and refresh it often to ensure that your cat remains safe and healthy.

5. Cat Proof Your Home from Hazards

You should try to keep in mind that your feline is not always safe just because it is inside your home. Precariously placed objects, plastic bags, and ropes or cords can quickly lead to your kitty’s severe injury or death. Therefore, before leaving home, it is best to assume that your cat will attempt to play with everything available and assess what can be left out and what must be put away.

Conclusion

The confusing policy language and variety of different policy options can cause many buyers to hesitate initially when it comes to getting insurance for their kitty. We hope that this article has helped explain the process so that you can take the vital step of properly protecting your cat.

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

SwiftScore Ranking Methodology for Vermont (VT) Cats

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

• Average monthly price for a 2-year-old Vermont (VT) Cat with a $500 deductible located in the 05408 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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