Felix Cat Medical Insurance 101
Why buy Cat Insurance?
Just like humans, cats can get injured and sick without warning. The good news is that huge strides have been made in veterinary medicine, allowing our cats to often receive the same high level of care as their human companions. But those advancements have also brought higher costs, and like human healthcare, the need for cat medical insurance. When your cat is covered, you’ll never have to worry about choosing between paying your rent, mortgage or other bills and giving the best medical care to feline family member.
How much does Felix cat medical insurance cost?
Premiums vary depending on several factors. The main factors are species, breed, age of your cat and the zip code in which you live. Felix presents you with the flexibility to choose the deductible, reimbursement %, coverage limits, and specific features you want to include in your coverage. We make available flexible accident & illness plan selections that you can customize to fit your monthly budget. With just a few clicks, you can get a quote for cat medical insurance.
Who is my Insurance Company?
The policy is issued and underwritten by Independence American Insurance Company. Independence American Insurance Company (IAIC) is licensed to write property and casualty insurance in all 50 states and the District of Columbia. IAIC is rated A- (Excellent) for financial strength by A.M. Best, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating). Our cat medical insurance policy is an agreement between you and IAIC, please see your policy for all terms and conditions.
How much Felix Cat Insurance should I buy?
This is a common question and one that comes down to your particular needs and financial ability to afford the unexpected veterinary bills that may arise. We have assisted by providing the Felix Cat Risk Calculator which illustrates the average lifetime health cost of your cat’s breed. We typically recommend getting the highest level of coverage that you can comfortably afford.
Can I use my current vet?
Yes! You may use any licensed veterinarian in the United States or Canada. This includes emergency and specialty veterinarians, should the need arise.
Can I get a refund if I'm not satisifed?
Felix wants you to be completely satisfied and the plans available include a Right to Return policy. You may get 100% premium refund in the first 30 days if not satisfied, as long as no claims have been submitted. Applies to newly issued policies only. Not available in all states.
Does Felix make available a Multi-Cat discount?
Yes. When you insure two or more cats, you can enjoy a 5% discount for each cat insured.
What is Felix Cares?
Felix Cares was designed for social good, it is our “give-back program.” Each year, Felix Cares will make a donation to one of our partner charities for every new policy in that given year.
Who is eligible for coverage?
Plans are available for cats that reside in the any of the U.S. (50 states plus District of Columbia). All breeds of cats are eligible for coverage.
What are waiting periods?
A waiting period is the number of days specified in the policy that must pass before coverage begins. There is a 2 day waiting period for accidents and a 14 day waiting period for illnesses. The policy has a 30 day waiting period for alternative therapies and behavioral problems and a 180 day waiting period for cruciate ligament injuries (knees) and IVDD (Intervertebral Disc Disease). The waiting period begins on the effective date of the coverage period. As an example, let’s say you purchase a policy through Felix on June 20, your effective date is June 21. If your cat suffers an injury on June 23 (2 days later), your cat would be eligible for coverage because the waiting period for injuries and accidents has been met. The waiting period applies only to the first year of your policy, or if you decide to increase your coverage, like upgrading your plan at renewal for example. Waiting periods don’t apply to your annual renewal as long there are no gaps in coverage. Waiting periods do not apply for the 30-day insurance coverage plan (except in CA, FL, NJ, NY and WA).
What are pre-existing conditions?
Pre-existing conditions are illnesses or injuries, that occurred or existed before the policy effective date and during specific waiting periods. Pre-existing conditions are typically excluded by all pet insurance companies.
Will a condition ever be considered pre-existing at policy renewal?
Yes! After a 365-day waiting period, pre-existing conditions are covered same as other covered conditions subject to all policy terms (does not apply in FL or WA).
What are deductible and reimbursement %’s?
Cat insurance works very similarly to human health insurance where you and your policy share in the costs of covered services. Felix allows you to select your deductible – the amount you will pay toward the healthcare of your cat per policy year. Felix also allows you to select the reimbursement % – the amount the policy reimburses you for the cost of care once your deductible has been met.
How is the reimbursement % calculated?
With a policy from Felix, the deductible is applied to your veterinary bill first, then your chosen reimbursement % is applied to the balance. This should seem familiar as it is is how it works in human medical insurance. However, beware of companies that first calculate the reimbursement % and then subtract your deductible – that method saves them money.
Is there a lifetime maximum?
No, there is only an annual policy maximum, which you are able to choose.
Is my cat covered while we are traveling?
Yes. As long as you are traveling within the U.S. or Canada, your cat is covered.
Can I change my coverage later?
Yes. You can either add or subtract coverage at any time, subject to underwriting approval. Coverage changes include annual limit, deductible, reimbursement % and all optional benefits, except for wellness which can be added or subtracted at renewal.
What is covered by Alternative, Behavioral and Holistic coverage?
Coverage for alternative, holistic and behavioral care including chiropractic treatment, acupuncture, herbal supplements and vitamins. This coverage is included in all plans made available through Felix Cat Insurance.
What is covered by Exam Fee coverage?
The cost of exam and office visit fees for your sick or injured cat. You can use at your regular veterinarian, specialty clinic, emergency rooms, veterinarian universities and even telemedicine. This does not cover wellness visits. This coverage is included in all plans made available through Felix Cat Insurance.
What are Inherited and Congenital Conditions?
Congenital condition refers to an illness, disease or condition that was present at or before birth. Inherited condition refers to the presence of an illness or condition that is determined by genetic factors. Some examples are heart disease, type ll diabetes, feline lower urinary tract disease (FLUD), and arthritis. Widely accepted veterinarian research and studies on genetics are used to determine those conditions considered hereditary or congenital. A 30 day waiting period applies.
What is covered with Final Respects coverage?
End of life care including burial, cremation, necropsy (autopsy) and urns are covered up to a maximum benefit of $300. There are no waiting periods and reimbursement is not subject to deductible or coinsurance. Euthanasia, when advised by a veterinarian to alleviate suffering, is covered in the base policy.
What is covered with Wellness?
Just as with people, regular health checkups become increasingly important as your cat grows older. With Felix Cat Insurance you can choose from two Wellness packages to suit you and your cat’s needs. Reimbursement is not subject to deductibles or coinsurance. Wellness exams include vaccinations, flea/tick/heartworm meds, teeth cleaning, spay/neuter, and more!
Claims and Reimbursement
How do I file a claim?
To File a claim, login to the customer portal, select Claims from the menu, and follow the instruction from there to upload veterinary invoices. Or you can simply download and complete our claim form. Send us the completed claim form along with the invoice from your veterinarian and we will take care of the rest. For more detailed instructions please visit the file a claim section.
Should I bother to submit a claim if my bill is less than my deductible?
Yes. This amount applies towards fulfilling your annual deductible. If another incident occurs later in the year, you have less of a deductible to meet.
How long do I have to file a claim?
We understand that dealing with a sick or injured cat can be stressful, and we want you to be able to focus on caring for your cat during that time. For this reason, we request that you submit your claim within 180 days of the treatment date.
How do I get paid once my claim has been approved?
Claims are reimbursed by EFT deposit to your bank account or via a paper check. You can set your preference in your Customer Portal. If selecting paper check, please make sure your mailing address is up to date to ensure a speedy return.
How long will it take process my claim and receive reimbursement?
Claims are typically processed within 3-4 business days after we have received all of the necessary medical information from your veterinarian.
Who is my claims administrator?
PetPartners, Inc. is the claim administrator. Claims can be mailed to PO Box 37940 Raleigh, NC 27627
Cat Medical Insurance Billing Questions
What payment methods are available?
We accept payment by credit card, auto draft from credit card and ACH, or paper check. Paper checks are only accepted for policies paid annually in full. Paying annually could help you save up to $36.
How do I update my payment or personal information?
To update your payment or personal information please call our Felix Customer Care Specialist @ 1-866-FELIX-09
How do I cancel my policy?
You can cancel your policy at any time by calling our Felix Customer Care Specialist @ 1-866-FELIX-09