You’ll need to consider whether you cat has any pre-existing conditions and the excess you’ll have to pay should you make a claim. And always check exactly what’s included in a policy – some may offer optional extras.
Unfortunately, if your cat already has a pre-existing medical condition, this condition and the treatment of it won’t be covered by your insurance policy.
An excess is the amount of money you have to pay before you can claim on your insurance. Always check how much this is before you take out an insurance policy. Some insurance providers might ask for a percentage-based excess as well as the usual one-off payment – this can become very costly if you have to claim for expensive treatment by a vet.
Check what’s covered
In addition to the obvious vet bills, some policies include optional extras, such as:
Cover if your cat is stolen or goes missing – this could be a one-off payment if your cat isn’t found, or it could cover any costs involved in advertising or a reward to help find your cat.
Death by illness or injury – some insurance providers may also cover the cost of putting your cat to sleep and some will even cover bereavement counselling.