Cat Insurance by Petsmart 

Pet insurance is something you should consider to help you cover your pet’s veterinary bills should they become ill or need medical attention.

Cats in particular are hard to read when it comes to spotting symptoms right away, so we’ll take you through a guide of Petsmart’s cat insurance, including details and how to get started.

A lot of novice pet owners might also have a hard time wrapping their hands around pet insurance, to begin with, so we’ll break that down for you.

Petsmart Insurance 

Petsmart’s insurance plans are a bit different compared to standard plans. We’ll cover those later in the article. 

In fact, Petsmart’s plans aren’t insurance plans at all. They’re called Optimum Wellness Plans, and they offer what regular insurance doesn’t. 

One of the things that aren’t covered in common pet health insurance plans is preventative care.

This is what Optimum Wellness Plans are all about: preventing the need for drastic medical service, to begin with. These plans are affordable care bundles that consist of suggested preventive care that can spare you cash and provide care to your pet.

What’s Included

Optimum Wellness Plans include dental, behavior consultations, vaccinations and nutrition, parasite control, and bi-annual comprehensive exams and physicals.

Other things that come with every Optimum Wellness Plan include:

  • Routinely recommended vaccines
  • Early screenings for serious illnesses
  • Online access to your pet’s health records

All of these services are provided at Banfield Hospital.

What is Banfield?

Banfield Pet Hospital is a collection of pet hospitals and veterinary clinics that offer pet health services. They’re located throughout the United States.

If you decide to invest in a Petsmart Wellness Plan you’ll be serviced at your nearest Banfield Pet Hospital. They also offer surgery and dentistry.

Insurance for Your Cat or Kitten

Cats are a different type of pet to care for. They’re not as expressive as dogs, and they’re definitely more solitary and independent. This makes them hard to read when it comes to noticing indicators of medical illness or injury.

Spotting red flags can be a chore due to cats’ nature of masking their symptoms. This is why Petsmart’s Wellness Plans are wise to consider since they revolve around the idea of preventative care.

However, a cat’s medical needs vary depending on age.

Wellness Plans for Your Kitten

Petsmart Wellness Plans can be customized to the needs of kittens, from newborns to the age of six months old.

Caring for kittens in a correct and healthy way is crucial because they’re in a developmental stage. Investing in a Wellness Plan for your kitten will also teach you vital care skills you’ll need to care for your pet properly.

All Wellness Plans are customizable, but these are the services you can expect to have covered for your kitten:

  • Twice-a-year physical
  • Vaccinations
  • Diagnostic tests
  • Three fecal exams
  • Four deworming medication
  • Unlimited hospital visits
  • Spay/neuter surgery

Wellness Plans for Your Cat

As your cat grows older, their medical needs and dietary plans change. A good thing about Petsmart’s Wellness Plans is that you can customize them regularly with consultations from your Banfield veterinarian.

Cat Wellness Plans are for any cat that’s six months or older. They offer various services depending on the package you choose. 

These services are:

  • Twice-a-year physical exams
  • Vaccinations
  • Diagnostic tests
  • Two fecal exams
  • Two deworming medication
  • Unlimited hospital visits
  • Dental cleaning
  • Urine testing
  • Additional diagnostic testing (heartworm and thyroid issues)
  • Preventative X-Rays

Why Pet Insurance?

Pet insurance could be a way to spare on veterinary costs when your pet gets sick. Most insurance plans are paid on a monthly basis and cost around a couple of hundred dollars a year.

Pet insurance comes in especially handy at those times when your animal companion is unexpectedly injured or suddenly falls ill. It’s always a good idea to have a back-up in case they need surgery as well.

How It Works

As with regular insurance plans for humans, the pet owners pay a small amount of the charge, and the insurance provider pays the remainder.

But unlike customary insurance, you are going to pay out of pocket first. After you pay the vet directly, you then file a claim with your insurance provider to be repaid.

What Isn’t Covered

As previously mentioned, insurance plans will cover most accidents and illnesses that may affect your pet.

However, not every trip to the vet’s clinic counts as a medical issue, and some common things that won’t be covered in your insurance plan. 

These include:

  • Preexisting or hereditary conditions
  • Grooming
  • Dental work
  • Preventative care
  • Behavioral problems

Factors that Affect Cost

Insurers will charge you based on how much you want covered, the services you need, and more. But some factors are also taken into consideration that might not be too obvious. 

Those are:

  • Species: Dogs often cost more than cats to get insured.
  • Age: Younger pets cost less because they are less likely to need medical service.
  • Location: The cost changes according to state and zip code.
  • Breed: Bigger pets usually cost more to insure because their medical ailments are more frequent.


Caring for your pet’s medical needs is an essential part of being a good pet owner. It’s sometimes difficult to understand what they need, and veterinary care can be costly, especially when you don’t expect a large bill.

Investing in pet health insurance is a practical way to ease the financial responsibility of paying veterinary bills. Still, preventative care is a step in the right direction that you should also consider.

Keeping track of your pet’s health and having the ability to constantly check up on your animal companion won’t only help you keep them healthy and safe in the long-run, but it’ll also keep stress at bay.