Apart from free cat insurance, there are several strategies you can use to make vet visits more affordable so your feline friend can receive the essential treatment they need.įirst, try talking to your local veterinarian directly. If you’re having a hard time paying for the cost of a vet, don’t lose hope for your cat’s care quite yet. Keep in mind, though, that certain restrictions apply and requirements vary by state for example, if you’ve used your plan and filed a claim within that time frame, you cannot get free cat insurance by later canceling the policy and requesting a refund for the premiums.
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For example, California pet insurance requires providers to offer a 30-day money-back that allows you to cancel your policy for a full refund within 30 days of enrollment. The right to change your mind is one protection that consumers have in many states. (That’s why the cost of pet insurance may be more expensive in one location than another, even for the same exact plan on a nearly identical pet). Human healthcare is heavily regulated by the federal government to ensure consumer protections, but privately-owned pet insurance companies are also regulated at the state-wide level.
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In some cases, low-income individuals may demonstrate such financial need that they’re able to qualify for free healthcare through federal programs like Medicare and Medicaid - but that doesn’t include free cat insurance for the four-legged family members. The final price the consumer pays for health insurance is heavily dependent on their financial situation, but almost always heavily discounted. One of the differences between pet insurance and human health insurance is that the latter is fully or partially subsidized through the government. Unfortunately, “free cat insurance” does not exist. Where to find the most affordable rates.
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How to decide if cat insurance is worth it.Which pet insurance discounts you may qualify for.What alternatives there are for low-income families.Why you can’t get cat insurance for free.Want to know why? Or need ways to make it more affordable? Let’s dive right in. It’s a fair question though, considering many Americans and people around the world have access to free health insurance plans. Though spending a little bit of money upfront each month could potentially save hundreds if not thousands of dollars down the road, some pet owners just aren’t sure how to fit pet insurance into the monthly budget unless it were free.īut does free cat insurance exist? Unless your employer offers pet insurance as a benefit, you will have to pay for coverage. Despite the 26.7% growth in the total number of insured cats from 2019-2020, 1 millions of cats still remain uninsured, leaving pet parents exposed to significant financial risk as cat health issues arise. If the cost of care presents a financial hardship, pet parents might face extremely difficult decisions regarding which treatments they can afford for their feline friend.Ĭat insurance is designed to help in these situations by reimbursing 70-100% of money spent on covered vet bills out-of-pocket (after your deductible is met). There are few things more distressing than watching a pet cat suffer from an injury or sickness.
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