Cat insurance

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All You Need To Know About Cat Insurance

From faithful dogs to cute kitties (or even a cheeky meerkat), we’re besotted with our pets. But like kids they’re always getting into scrapes which is why pet insurance is a good idea. Luckily there are plenty of options available, including lifetime, time-limited and even accident only pet cover. So while you may not be able to keep them out of trouble, you can still make sure they’re covered. Here, we look at how to get the best cover for your friendly feline. 

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As a nation of animal lovers, there are few animals we love more than our cats. Whether it’s an elegant Bengal or a humble moggie, they’re close to our hearts. What’s more, they’re most definitely, a part of the family. That’s why when they’re sick, or need emergency treatment at the vet, it can be a very upsetting time. It’s also potentially an expensive time if you don’t have cat insurance in place.

Frequently thought questions

You may have a number of questions in mind about insurance for your cat, particularly if you’ve never taken out such a policy before. Here, there is no such thing as a silly question, and we’re here to help with all those questions you might have. Read on and we hope you’ll be purring with happiness at your new knowledge!

Why do I need cat insurance?

If your cat is ill or involved in an accident, having cat insurance could help get them the best possible care. There’s no legal obligation to have cat insurance, but it can help towards paying for expensive vet treatments. For example, getting treatment after a hit and run accident could cost £875 on average and if your cat was to get a nasty bite, abscess treatments could be around £245 to fix.

What are the different types of cat insurance?

• Accident only

The first kind is Accident Only – which is as it sounds. You may only get help with your vet bills if your cat is unlucky enough to have an accident, and not if they’re ill or develop any future medical conditions.

• Time limited policy

A Time Limited policy is usually 12 months in length and can cover your cat for any new illness or conditions that it might develop in the period. As well as a time limit, there is usually a cost limit too and conditions around the number of times you can claim.

• Max benefit

If you’d prefer continuity of treatment for your cat, this cover allows you to do that. There are no time restrictions with a Max Benefit policy so you could keep claiming for an illness or condition year after year, as long as you renew your policy. There is however often a financial limit and once you’ve hit that, you won’t be able to make any further claims.

• Lifetime cover

As the name suggests, Lifetime cover can cover your cat for illnesses or conditions throughout its lifetime - regardless of whether they are new or recurring. To ensure your cat is covered, you must renew your policy every year. As long as the policy is renewed it will provide cover for treatment of a long-term or recurring illness for the duration of the policy. If this amount is reached during the policy year, no further claims will be paid and any further treatment required for that year will not be covered.

How much does cat insurance cost?

The only way of knowing for sure is to use our cat insurance comparison service and get an actual quote..

As with most types of insurance policy, the more cover you want in your policy, the more it is likely to cost. That means that an Accident Only policy is likely to be the cheapest and Lifetime cover the most expensive. It’s worth considering though that the average claim for cat insurance is £720, and insurance should be much less than that.

How do I compare insurance for my cat?

By using our cat insurance comparison service. Just tell us a few details about your moggy and we’ll show you different quotes and cover types so you can compare prices and policy details to find the right one for you.

Having cat insurance is a matter for your own conscience but with pet ownership comes responsibility and your favourite feline relies on you to look after it though your cat would never admit it!

So, put your mind at rest and start comparing the market for insurance that’s purrrrfect for your pet.

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