The Best Pet Insurance for Ragdoll 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 Ragdoll? 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 Ragdoll needs.
Ragdoll 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 Ragdolls are to rack up big vet bills.
For Ragdolls, your best bet is to make sure there are no reimbursement limits on your pet insurance.
10 Inherited Health Problems in Ragdolls
Here’s a quick peek at 10 inherited health problems in Ragdolls. Be sure these conditions are not excluded from your benefits:
1
Polycystic Kidney Disease (PKD)
This is a common hereditary condition in cats, which causes cysts to develop in the kidneys, leading to reduced kidney function and ultimately kidney failure.
2
Hypertrophic Cardiomyopathy (HCM)
Hypertrophic Cardiomyopathy is a hereditary condition that affects the heart muscle, causing it to become thickened and stiff. This can lead to heart failure or sudden death.
3
Feline Lower Urinary Tract Disease (FLUTD)
Feline Lower Urinary Tract Disease is a condition that affects the urinary tract of cats, causing symptoms such as frequent urination, straining to urinate, and blood in the urine.
4
Retinal Degeneration
This is a hereditary condition that affects the eyes of cats, leading to progressive vision loss and ultimately blindness.
5
Progressive Retinal Atrophy (PRA)
Progressive Retinal Atrophy is another hereditary eye condition that affects cats, causing progressive degeneration of the retina and eventual blindness.
6
Deafness
Hereditary deafness can occur in cats. The condition can be partial or total deafness, and it is caused by a genetic mutation.
7
Hemophilia
Hemophilia is a rare hereditary bleeding disorder that can occur in cats. Affected cats have a deficiency in one of the blood clotting factors, which can lead to prolonged bleeding and bruising.
8
Feline Asthma
This is a hereditary condition that causes inflammation and narrowing of the airways in cats, leading to difficulty breathing. Symptoms include wheezing, coughing, and labored breathing.
9
Hip Dysplasia
Hip dysplasia is a hereditary condition that affects the hip joints of cats, leading to pain and mobility issues.
10
Cerebellar Hypoplasia
This is a hereditary condition that affects the brain of cats, leading to coordination and balance issues. Affected cats may have a wobbly gait and difficulty walking, but they can still live a happy and healthy life with proper care.
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 Ragdoll 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 Ragdoll 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 Ragdolls?
Luckily there are pet insurance alternatives for Ragdolls, 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 Ragdolls. 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 Ragdoll’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 Ragdoll's medical expenses.
Pawamedics pet medical cost share Membership benefits include illness, injuries, and wellness care for Ragdolls.
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.
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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.