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Cat Insurance

Cat insurance is essential if you wish to avoid the cost of veterinary fees, as every visit to your local veterinary practice will invariably cost you money. Vets fees are forever increasing and, with new medical improvements and treatments becoming available, you need to consider cat insurance.

Cat insurance is now more than ever an important expense to protect your cat against any unexpected problems such as illness or accident.

Cat insurance is offered in a range of cover to suit both your budget and needs. Cat insurance policies can cover part or nearly all the costs incurred, depending upon the premium and plan you go for, with excesses and benefit limits to keep the premiums affordable. Cat insurance is now available from a wide range of suppliers, even high street supermarkets, so you can really shop around for the best value cat insurance for your pet.

Vets fees are becoming expensive for medical treatment and unexpected accidents, with an average vet fee of at least £30 for a consultation let alone treatment and medication. Cat insurance will provide the protection against such costs and cover can start from £5 a month to cover the unexpected vet's fees.

Did you know that 50% of household pets will require unscheduled veterinary treatment during a year but only 10% of those pets will be covered with cat insurance? Consequently the full cost of treatment has to be paid for by the 90% of owners who have not taken out a policy.

If you want to avoid such expense, cat insurance should be taken out when you first acquire your pet, rather than wait until a problem occurs, as it will be too late to take out a policy to cover that particular problem.

You can pay your cat insurance premiums either annually or monthly by direct debit but you must accept that the premiums will increase as your cat gets older. However, the exponential increase with age is often less if you already have the policy than if you take out cover for the first time as the cat ages, so it pays to start your cat insurance policy when your pet is young.

Cat insurance will normally cover vets' fees, death from accident or illness, third party liability cover, cover to pay for advertising and reward for a lost pet, boarding fees, theft or straying, accidental damage caused by my pet, holiday cancellation cover if you are unable to go on holiday due to your pet suffering an accident or injury, quarantine costs and emergency expenses.

Before you commit to purchase a cat insurance plan you should check out the following:

  • Excess - the part of any claim you are obliged to pay;
  • Exclusions - cat insurance policies do have some exclusions which varies from insurer to insurer;
  • Pre-Existing Medical Conditions - All plans will generally not cover your pet against medical conditions they already have or existed before;
  • Price Increase - Premiums for your cat insurance will increase as your pet gets older;
  • Age Limits - Most Cat insurance policies have maximum age limits that they will accept your pet, which is generally 8 years of age.

Cat insurance policies will offer a variety of plans providing levels of insurance with annual limits and exclusions, so it pays to read the summary of cover and terms and conditions before you commit to purchasing your cat insurance plan.