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Breeding stunning Maine Coon Cats for health, temperament, and joy
Pet Insurance
Why Pet Insurance
Providing the best veterinary care for our pets is something very important to just about any pet owner. Unfortunately, doing that can often times be quite expensive. Surgery on an ear to remove a polyp can cost anywhere from $1,500 - $3,000, depending on where you are in the country. Surgery for hip dysplasia can cost anywhere from $2,500 - $5,000 depending on where you are in the country. Even being hospitalized for a few days for something relatively minor can cost $1,000. For most people, vet bills like this are completely out of their reach, leaving them and their pet without any good options. One of the worst things in the world is to have to euthanize your pet because he/she needs treatment that you just can afford. That is where pet insurance comes in!
Pet insurance is a lot like human medical insurance in many way. The biggest difference is most of the time you still have to pay the vet bills upfront and then get reimbursed by your pet insurance. There are a wide range of monthly premiums, deductibles, and coverage depending on your needs. Most insurance companies will not cover routine care such as vaccines and spay/neuter. But some will. Some pet insurance companies will even cover some holistic care for your pet, such as acupuncture.
Pet insurance is something we highly value and desire each of our kittens to have when they leave for their forever homes. In our Health Contract it states that if you are unable to keep the kitten you get from us for any reason, at any point in his/her life, the kitten is to be returned to us. This means, if you are unable to provide the necessary medical care for your kitten, he/she has to be brought back to us and we will treat him/her with our veterinarian. However, this also means that you will not get the kitten back, and you will not be given a refund of any amount in any way, shape, or form. The best thing for the kitten, you at the kitten's family, and us, is for you to be able to afford to provide any medical care needed for your kitten, regardless of the cost. This is why we value pet insurance so much, and may be requiring families to have pet insurance on our kittens in the near future.
Pet Insurance Providers
The following is a list of pet insurance companies, with links, we are aware of, and know to be good. We suggest thinking about what things you would like to have covered for your kitten, and then find an insurance company that will cover as many of those as possible. Also, be aware that most all insurance companies have waiting periods (sometimes of different lengths for different problems), and do not cover pre-existing conditions. This is why putting pet insurance on your kitten as soon as possible is important.
Trupanion is the one we recommend.
Lemonade
Best Pets
Met Life
Figo
These are just a few of the pet insurance companies out there. There are also a few other places that offer pet insurance, such as Chewy and Care Credit. Sometimes your own health insurance company will offer pet insurance as well. Do some looking around and see which one is the best fit for you.
Other Options
If you don't feel like pet insurance is right for you, you do have a couple other options. Care Credit and Scratch Pay both offer a 0% interest line of credit that can be used to pay just about any veterinarian in the US. Care Credit is more of a true credit card, where as Scratch Pay is a one-and-done kind of thing.
Fursure is another option that is kind of neat. In a nut shell, you open a bank account with them and then put money into the account. It acts sort of like a savings account, but you get a debit card to the account, and every time you put money into the account, or spend money out of the account at certain places, you earn points. Those points can then be redeemed for different things, including veterinary care at any vet's office.
Finally, a good old fashion savings account is another option you could go with. Most people suggest you have a minimum of $10K saved up to be able to cover any medical expense that may come up with your pet.
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