Cat care and health insurance
Cat Care and Health Insurance Learn About Cat Care and Health Insurance Many people love their pets so much that they choose to insure them.
However, cat care and health insurance are not the same thing. The former is a must, while the latter can be optional.
Cat Care and Health Insurance
In order to take care of your cat, you must understand your pet as a companion. Once you take steps to get a feline friend, you need to be responsible. There should be no turning back. So, think twice, three times, and a hundred times before committing to becoming a pet parent.
Cats are special. They can see more sharply than humans and have a much better sense of smell. That’s why you need to organize your home accordingly once you decide a cat will soon join your family.
Cat Care and Comprehensive Health Insurance
You must provide the right food for your pet cat. You cannot give them what you had for dinner. Their bodies and needs are different from yours. So, give them food made specifically for them. This way, they will get all the necessary nutrition they need.
Before you think about getting a cat, look at the cost of food. It may take about eight dollars to twelve dollars a month to keep your cat purring happily. Can you afford it? You might have to make some adjustments to your lifestyle to meet this need. Just think of it as worth every penny.
You must also consider recreation when owning a cat. You cannot adopt one and think it will be happy just playing by itself. You need to find time to play and bond with your pet. Over time, you will know the activities they enjoy, and you can make the necessary adjustments to spend time on such activities.
Due to their strong sense of smell, budgeting for your cat’s litter boxes is also important. You need to keep them clean and well-maintained. Your cat will not tolerate a dirty litter box. Your royal feline cannot stand foul odors, so be careful with the smell of everything. What is fine for you might be repulsive to your cat.
Finding the nearest vet is also a must. You need them in cases when you think something is not right with your cat. Hence, you need to be very attentive.
Yes, cats can take care of themselves, but you need to help them keep their teeth clean and strong. You don’t want this factor to be the reason your cat gets depressed as they age. So, develop the habit of cleaning their teeth by brushing and flossing, and have regular dental check-ups with the vet.
Health Insurance
You can do without this, but if you really want to get one, ensure that your trusted vet is among the recommended vets for the insurance you chose. You don’t want to end up making long trips just to claim what the insurance promised to provide.
It’s better to hone your cat care skills and set health insurance aside. But it all depends on you. There is nothing wrong with having one. Just ensure you can afford it and it won’t affect your monthly budget for your family and your feline friend.
We previously explained that health insurance is a type of commercial insurance coverage and should only be taken if one is compelled or strongly urged to do so, as it involves deceit and betting. See the answer to question number (11). (170654).
In the answer to question number (323). It was clarified that there is no harm in having a pet cat unless there is concern that it will definitely be harmed, such as if they are sick or feared to transmit conditions, etc., due to the general meaning of the Prophet’s claim: Verified by Al-Albani in Sahih Ibn Majah.
As for the intense care for raising cats and focusing on them, as well as spending large sums of money on their care, it is a waste of money and a distraction with points that are neither beneficial in religion nor worldly matters.
It is better to spend this money on helping needy Muslims than on investing it in pet cats. Donate it to charity for needy Muslims.
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No matter what, participating in a prohibited insurance policy is neither necessary nor required, as we believe this additional expensive care is a waste of money, as we indicated, and also clearly – in the situation discussed – has a chance to harm you and your family as well; you should eliminate this pet cat.
It is possible to send it to animal welfare associations in your country, and they will take care of it as well. If that is not possible, release it, and leave it also in a public road or place, as Allah will take care of it as He wills. See the answer to question number (11). (7004). Allah alone understands.
Is it Permissible to Have Health Insurance for a Pet House Cat?
What Health Plans Offer Pet Insurance
When pet owners buy a pet, they shop at different pet stores, breeders, pet rescues, and animal shelters until they find a dog or cat or exotic pet that suits them.
What very few pet owners do is consider the veterinary cost of their new pet. Neglecting this can be financially devastating and emotionally heartbreaking.
Veterinary costs are rising. Technology, liability insurance, medications, and medical research have forced veterinary clinics to increase their costs. Clinics in rural areas of the country (especially those that combine small animal practice with large animal practice) find it difficult to attract young veterinarians graduating from vet school to their clinics. They have to offer higher salaries to compete with clinics near major cities. This payroll increase is then passed on to pet owners.
It is recently estimated that the average dog owner will spend about two hundred dollars a year at the vet’s office. Cats are slightly cheaper; their owners only spend about one hundred sixty dollars in vet bills. When you consider the life expectancy of a pet, especially when kept indoors, this is a lot of money. What if the pet is not a mill dog or cat? What if the pet is something more exotic, like a pot-bellied pig, a ferret, a rabbit, a snake, or even a skunk?
The more exotic the pet, the more likely the pet owner will spend on vet bills, especially if they have a pet like a skunk that will likely require a vet with special skills.
What happens if the pet suddenly gets sick or is injured in a strange accident? How far back will the pet owner be if they have to take their pet to a veterinary school at the university? Can they afford it, or will they have to euthanize their pet for economic reasons?
Many pet owners try to keep unexpected vet bills at bay by providing excellent care for their pets. They make sure the pet is well cared for to prevent bugs and skin disorders. They feed their pets only carefully balanced foods with the right mix of nutrients. They ensure the pet maintains a healthy weight, not too thin and not too fat. Some pet owners do not let their pets out of the house for fear of a strange accident.
While pet owners should care for their pets as best as possible and do everything they can to keep their pets safe, even the most careful and health-conscious pet owners cannot prevent everything.
Pet health insurance is one way to keep vet bills from becoming outrageous. Pet health insurance is insurance that pet owners buy to help cover vet bills similar to human medical insurance.
The chances of a pet owner being able to buy pet health care at the same insurance company where they buy human health insurance are slim. Most pet owners will find that they have to go to a separate insurance company that specializes in pet health insurance.
Pet Insurance: True Peace of Mind
Pet insurance has allowed me to make emergency medical decisions for my pets with little thought to the costs involved.
Veterinary costs are continuously rising like everything else. However, last year, when my cat Bonzo suddenly became dehydrated and was diagnosed with early kidney failure, he was treated immediately. The last thing on my mind was the thousands of dollars in vet fees I was about to incur.
Today, Bonzo is still happy and healthy because of pet insurance. Pet emergencies can cost thousands of dollars.
A few years ago, my sister’s dog was hit by traffic, breaking several bones. It was a very traumatic experience for everyone involved. The kids were crying, the dog was crying, and passersby were crying. Ensuring the dog was not suffering was the priority for everyone. Like me, my sister had pet insurance, so the issue of thousands of dollars likely required for treatment was not discussed.
He was taken to the veterinary hospital and treated for several days. When he returned home, the smile on my nephew’s face as he ran to greet his best friend was truly priceless.
What is Pet Insurance?
Pet insurance is a policy that covers household pets like cats and dogs as long as they are healthy. Whether your dog or cat is mixed breed or purebred, most insurers will cover the pet for its lifetime. This means that if a medical emergency arises, you can make the best decisions for your friend’s comfort and health, rather than what suits your pocketbook today.
What Does Pet Insurance Cover?
Pet insurance usually covers more than just vet bills. It can also cover boarding costs in emergencies, theft, and travel. Vaccinations and routine treatments like deworming and flea treatments are also excluded.
Millions of pet owners treat their pets like family. I have four cats as family members. I have had pets all my life. I can’t imagine the ordeal of being in a situation where my pet’s problem is curable but the cost is too high, and I put my pet to sleep. Or, I choose less than ideal treatment again due to cost constraints.
I would never do that to my children, so why would I do it to my pets? Pet insurance can give you peace of mind that you are covered for unexpected bills. Pet insurance can eliminate financial worries when a pet is seriously ill.
Knowing this, when I first discovered pet insurance in the late ’80s (while renewing life insurance), I jumped on board. At that time, $25 a month to cover three cats seemed like peanuts. Today, I pay $60 for 4 cats.
When Should I Get Pet Insurance?
I have insured all my cats within the first six months of their lives. It is often difficult to get insurance for older pets. Pre-existing conditions are usually not covered. This is why it is important to consider insurance as soon as possible.
It is now possible to pay a monthly premium to insure your pet against vet fees.
Are There Different Levels of Pet Insurance?
Just like different coverages in a life insurance policy, pet insurance plans are the same. There are usually different levels of coverage available where different values or events are covered. Generally, the higher the monthly payment, the higher the coverage values.
The different aspects of coverage you need to review include: vet fees, lifetime coverage, accidental damage, death from illness, death from an accident, advertising and reward, theft or straying, third party liability and legal costs, boarding fees, holiday cancellation costs, and overseas travel.
Exotic Pet Health Insurance 101
Keeping an exotic pet is no joke. It will require an equally exotic owner with unique abilities. Sorry for the repetition, but if you are serious and determined to take good care of your exotic pet, you will need to insure it! Yes, even exotic pets have medical needs, and like people, they can be high maintenance, depending on their type. Since you own an exotic pet from the start, it indicates that its maintenance is equally unique, something you should also be prepared for when you turn into a good exotic pet owner.
While it is true that only one or two percent of pet owners feel the need to invest in pet insurance, as an exotic pet owner, getting suitable pet insurance is an unwritten mandatory. These exotic pets need as much care as possible. Unless you earn a lot of money daily, you won’t be particularly thrilled to find that your vet bills may be bigger than your medical bills.
For starters, there are several pet insurance plans available for regular pets. But if you own something more exotic, you will also find that it will be difficult to get insurance plans for your creature. However, there are plans available, albeit slightly more expensive than others, as the nature of your pet is not generally accepted as pet material. You should have thought about this before you bought that exotic pet that caught your eye.
The usual annual fees for pet insurance range between $200 and $250. This may not be a heavy investment considering it will really help with potential financial challenges you may face if something happens to your chosen pet.
Veterinary fees are more expensive for exotic pets. Some vets have to train longer than usual just to accommodate the more exotic and dangerous pets. Just like any insurance policy, read the fine print carefully. Check the scope of the insurance plan before signing anything. Ensure you are aware of the rights you are entitled to in this insurance policy.
These policies can become very tricky, so make sure you get exactly what you want for your pet’s health insurance. You don’t want to realize the small, vital details you overlooked after you have already paid and invested in the policy earnestly.
Comparison of the Best Pet Insurance Companies
A responsible pet owner is someone who not only cares for the animal. It is now a requirement for pets to also receive stimulation, exercise, activity levels, environment, health care, and proper nutrition.
Those who want to become true pet owners should realize that the hobby will not be cheap and will require a considerable amount of time to be good at.
Veterinary bills consume a large chunk of a pet owner’s budget and will be added with unexpected costs like boarding kennels or pet sitters.
Due to the wide range of pet insurance available in the market, customers should be extremely cautious when studying the terms and policies each company offers.
Below is information about some established and popular pet insurance companies to help consumers compare and determine what is best for them.
Endsleigh
- Features three levels of pet insurance coverage that can be suitable for pet needs.
- The bronze policy covers up to £1000, while the silver and gold policies cover up to £3000 and £5000, respectively.
- Some illnesses may cause discomfort to the dog for a lifetime. Compared to other insurers, Endsleigh covers the dog for ongoing claims up to the policy limit.
Endsleigh pet health insurance also covers pets that die due to injury or illness. Dog owners can also be reimbursed for part of the original retail price of the pet in case it is lost or stolen. However, pet owners with dogs aged nine years or older cannot qualify for the benefit.
Tesco Pet Insurance
- Compared to other pet health insurance providers, Tesco provides coverage for senior dogs and even those older than eight years. Older dogs can be insured for the rest of their lives.
- Vet fees are automatically included, and Tesco has advice lines that can be called at any time of the day.
- Unlike other pet health insurance companies, Tesco only requires a direct, one-time excess fee. Hidden fees are guaranteed. Pet owners will also be assisted with direct debit for budgeting costs. Most dog breeds are covered.
Direct Line
Direct Line currently serves over 5 million customers in the UK and has a relatively larger range of insurance products than most of its competitors. Services can be purchased over the phone or online. Direct Line also provides services to other countries such as Germany, Spain, and Italy. Direct Line’s success in the financial sector can be attributed to its outstanding line of services and products, competitive prices, a reliable customer service team, and a motivated workforce.
Direct Line covers cats and dogs. However, those considered high-risk, such as working animals and dangerous dogs, will be accepted due to their high risk of falling ill or getting injured. Additionally, Direct Line requires the animal to be in satisfactory physical condition during the document’s start date.
Basic Policy:
Direct Line’s basic pet insurance policy covers vet fees for a maximum of twelve months per injury, illness, or disease, up to £4000 per case. The claims are high compared to other documents.
Advanced Policy:
Under the advanced pet insurance policy of Direct Line, vet fees are covered up to £6000 per case. There are no time restrictions on accessing the amount compared to what other pet insurance companies offer.
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