Cheap Cat Insurance

When you have a cat, an important step is to obtain cat insurance. UK pet lovers are relying more and more on these plans to help shoulder the financial responsibilities of pet ownership. With over 80 companies offering pet insurance for cats, it’s possible to purchase good quality, cheap cat insurance. The main advantages are:

Protection from the rising cost of vet care,
Cover for unexpected injuries and illnesses,
Support for chronic conditions such as arthritis and diabetes, and
Death benefits.

Beyond core cover provisions, cat health insurance comes with many additional features. Ask about these when obtaining a cat insurance quote-some features are included and others are sold as extra options:

Cover for complementary treatments such as physiotherapy, massage, and chiropractic care.
Cost of local advertising and reward for a missing pet.
Lump sum benefit for permanent loss or theft.
Fees for boarding your pet should you go into hospital.
Reimbursement of holiday cancellation losses when your pet needs unexpected surgery.
Health insurance extended to overseas travel.
Various 24-hour helplines.

What are the Main Cover Options?

There are three main options for pet cat insurance:

The most expensive option is Full Life which covers your cat’s health concerns for the rest of its life, subject only to an annual monetary limit for each illness or injury.
A modified version of Full Life covers each of your pet’s health conditions for the rest of its life, subject only to a policy maximum for each condition.
Time-limited protection allows insurers to offer inexpensive plans. A time-limited plan covers each illness or injury for a limited period of time, usually 12 months. This cover is sufficient for many short-term illnesses; and helps with the initial diagnostic and treatment costs of conditions that last or recur after the end of the specified time period.

Selecting a Plan

It is a good idea to look into a plan as soon as possible. There is no point waiting until your pet has an accident or falls ill because then it will be too late. In most situations you won’t be able to find cover for a “pre-existing condition”. If you are interested in life cover, you must enrol your cat before its 10th or 11th birthday.

Before asking for a cat insurance quote, decide what level of cover you want to purchase. Base your decision on an estimate of vet bills for potential illnesses and injuries. Your vet or an experienced insurer will be able to help you with this. Some breeds of cats are more susceptible to long-term chronic conditions, which may persuade you to obtain life cover.

Many people need to find cheap cat insurance. Here are some tips for finding an affordable plan:

Consider a time-limited policy.
Choose an affordable excess (an excess is the minimum portion of each claim that you will pay).
Ask for a discount for enrolling multiple pets.
Take advantage of a discount given for signing up online.