Is There Cat Insurance That Covers Everything? It Depends

What’s not covered by cat insurance?

Cat insurance doesn’t cover:

• Qualified veterinary expenses beyond the policy limit
• Treatment costs for policy exclusions
• Pre-existing conditions that occur before the time of insurance enrollment
• Elective or cosmetic procedures

When something isn’t covered by a pet insurance policy, it’s known as a “limit” or “exclusion”.

If your cat’s health coverage is limited, it means that the insurance provider will only reimburse you for out-of-pocket costs up to a certain amount per condition, incident, year, or lifetime of your pet. Therefore, a pet insurance plan could cover everything at the beginning of the policy term, but once you hit the ceiling on claim payouts, you would be responsible for the veterinary service or treatment until the policy renews (if applicable).

When a medical condition is excluded from policy coverage, it means that it will never be eligible for financial reimbursement through an insurance claim. Pre-existing conditions are almost always excluded from insurance coverage for pets, but some companies will cover conditions that are considered curable after no symptoms have been present for a specified amount of time. You can still sign up for cat insurance that covers everything other than the costs related to that condition.

Even the most comprehensive pet insurance plans won’t cover some situations pertaining to your cat’s health, such as elective or cosmetic procedures (ear cropping, claw removal, tail docking, etc). Breeding, pregnancy, and whelping are also typically excluded from cat insurance coverage.