Pet insurance for your cats?

[Mashara]

Our two older kitties passed away two weeks ago. I'm happy to say we are bringing home a new cat tomorrow.

Anyway, I'm thinking of getting insurance for the new ones (we are still looking for another who is a good fit). Does anyone here use a pet insurance company? For cats or dogs? Do you like or dislike them for any particular reason? Do you insure a cat who is FIV+?

I added in the FIV+ question as we haven't gotten the test results for our new guy yet. I got a quote from Pet First because there was a link to them from Petfinder. It was $9 a month for just $1000 Standard accident or illness. The $5000 Lifetime plan was about $24 a month. I doubt I would do a rider for routine costs because it runs about the same as paying for that ourselves.

[niemand88f]

I'm sorry for your losses, but congratulations on your new family member!

We have Embrace for 3 of our 4 cats (I really need to call and add our kitten...). It is $40 a month for the 3 of them. Our policy has an annual max of $5k per cat with $500 annual deductible per cat and 20% copay (you can choose different levels of coverage, and they give a credit toward your deductible every year you go without a claim). We don't do routine costs either- I don't think those are a good value through insurance.

If your cat is diagnosed with FIV or FeLV before you get insurance or during the waiting period (usually 14 days or 1 month), I think some pet insurance companies (maybe even most/all) won't give coverage for illnesses, only accident coverage.