Cat insurance protects you against the expensive vet bills that come with loving your feline friend too much.
What does cat insurance cover?
Most policies will cover you if your cat is lost, stolen and in the unfortunate event of the death of your cat and will offer compensation for this. Many insurers will also provide third party cover in case of any damage caused to property or belongings, that are not your own, that your pet may cause.
The best pet insurance policies will also allow you to claim for expenses incurred to temporarily home your pet in a cattery were you to be hospitalised.
Various insurers will offer elements of pet travel insurance as a feature of their policy.
Generally, policies that offer a cheap premium for their cover are going to be limited in their extra features and benefits that are covered. These policies are likely to have restrictions on the amount you may claim for cost treatment. These restrictions may also impact on the length of cover, and may mean that unlike lifetime cover, you are unable to renew your policy if your cat is suffering on going treatment for illness. While lifetime cover is generally more expensive, you will have a greater reassurance that should your pet fall ill, you will remain covered for as long as treatment is required.
What to watch for when buying cat insurance
When looking for insurance for your cat, you should always check to see whether the insurer covers claims for existing illnesses or injuries. If they don’t specify that you are entitled to make a claim for this at the start of your policy you may find yourself unable to make a claim and will have to cover the cost personally. This may also alter your ability to renew your policy and/or mean that you are required to pay a far higher excess amount in order to remain covered.
It may work out of benefit to you financially if you have multiple pets to add them to one policy (if the insurer offers this as an option) as this may reduce your total cost as well as offer greater convenience by combining your payment for individual policies in to one transaction.
It is well worth comparing all the insurers that we have listed in the table above in order to guarantee you are covered for everything you may require from the policy. You will notice that the cost of insuring your cat can vary significantly from provider to provider, and this is often an indication of the level of cover that is provided and the relative cost of the services they offer.