The Best Pet Insurance for Munchkin Cats
As pet parents, we always want the best for our fur-babies. We strive to provide them with a happy and healthy life, and that includes giving them proper medical care when they need it. Since unexpected vet bills are a major financial burden, pet insurance has become a must-have for emergencies. How do you know what is the best pet insurance for your Munchkin? In this blog, we'll explore the options and compare the benefits to help you make an informed decision.
The first (and most important) step is to know exactly what kind of benefits your Munchkin needs.
Munchkin Health Risk Profile
With unexpected vet bills ranging from $1,000 for a minor incident to $50,000 or more for a major emergency, choosing between our savings and our fur-baby can become a reality for many. Here’s an idea of how likely Munchkins are to rack up big vet bills.
For Munchkins, your best bet is to make sure there are no reimbursement limits on your pet insurance.
10 Inherited Health Problems in Munchkins
Here’s a quick peek at 10 inherited health problems in Munchkins. Be sure these conditions are not excluded from your benefits:
1
Spinal problems
This includes conditions where the spine has an abnormal curvature, such as lordosis (a curved inward spinal column) and kyphosis (a curved outward spinal column). This can cause discomfort, pain, and even mobility issues in cats.
2
Pectus excavatum
This is a depression in the chest that can cause breathing difficulties, heart problems, and other health issues in cats.
3
Heart murmur
This is a type of heart condition where there's a whooshing or swishing sound heard through a stethoscope when listening to the heart. This could indicate an issue with the heart's valves, which regulate blood flow.
4
Hernia
A hernia occurs when part of an internal organ protrudes through the wall of the body cavity, causing discomfort and potential complications.
5
Kidney problems
This includes issues with the kidneys, such as not functioning correctly, which can lead to waste build-up in the blood and potential damage to other organs.
6
Liver problems
This includes conditions where the liver is not functioning correctly, leading to a buildup of toxins in the body.
7
Breathing difficulties
This can include anything from snoring, to labored breathing, and can be caused by various underlying issues such as a congenital heart condition or a respiratory infection.
8
Vision problems
This can include vision loss, decreased eyesight, and other eye conditions that can affect a cat's quality of life.
9
Skin conditions
This can include infections, allergies, and other issues that can cause skin irritation, itching, and hair loss in cats.
10
Arthritis
This is a condition that affects joints and causes pain, swelling, and stiffness in cats. It can affect the mobility of cats and reduce their quality of life.
This is where pet insurance comes in. …Or, does it?
Depends on what do you mean by “best” pet insurance.
As you know, pet insurance is a type of insurance policy that covers veterinary medical expenses when your Munchkin becomes sick or injured. Depending on the policy you choose, pet insurance can cover a wide range of medical expenses, including surgery, medication, and hospitalization.
However, it’s important to understand that coverage exclusions exist in all pet insurance companies, which limit the effectiveness of even the best pet insurance. More importantly: because pet insurance is a type of property insurance, it does not provide the same level of benefits we expect in our human health insurance.
Many pet parents find out too late that all pet insurance excludes pre-existing conditions, and this can be a major deal-breaker. Plus, without pre-existing condition coverage, you can't switch pet insurance companies without losing coverage on all previous health problems after your Munchkin is sick or injured. Better hope you choose wisely the first time, because there are no do-overs with pet insurance.
As you can see, pet insurance is an option to cover (some) big vet bills, but it’s far from perfect.
What’s the best pet insurance for Munchkins?
Luckily there are pet insurance alternatives for Munchkins, such as pet medical cost shares. Pet medical cost sharing allows pet parents to pool financial resources to cover eligible pet medical expenses.
"Unexpected pet medical expenses can happen at any time."
Of the available options, Pawamedics pet medical cost share is the best pet insurance alternative for Munchkins. As a 501(c)3 nonprofit, Pawamedics' focus is on providing better benefits and value than any pet insurance offers.
Unlike pet insurance, Pawamedics includes pre-existing conditions on a phased-in basis, and offers unlimited reimbursements for pet medical expenses. All your Munchkin’s conditions are included in benefits, whether they are the inherited conditions above or something else entirely. Plus, medications are always included with Pawamedics, making it a simple and straightforward way to cover your Munchkin's medical expenses.
Pawamedics pet medical cost share Membership benefits include illness, injuries, and wellness care for Munchkins.
Unexpected pet medical expenses can happen at any time. Waiting until you already have big pet medical costs to sign up is always too late to get help with current expenses. But even if your pet already has big vet bills, getting pet insurance, joining a pet medical cost share, or finding another pet insurance alternative now will avoid big pet medical costs in the future. As pet parents, it's up to us to make sure we provide the best care possible for our beloved pets, and Pawamedics can help us achieve that goal.
As a 501(c)3 nonprofit, we do not accept compensation for our blog posts, nor for reviewing, recommending, or linking to others.
Disclaimer
This website is not a substitute for medical/veterinary counsel, financial counsel, or legal counsel. Please always consult an appropriate qualified professional for advice on your specific situation. Information provided by this website may not be accurate or complete at any given time. Pawamedics disclaims all liability regarding any actions taken or not taken based on any contents of this website.