Cat Insurance

Choosing the Best Cat Insurance

Many people will be surprised to learn that the cat population of Great Britain actually dwarfs the dog population, with over 10 million pet cats currently in the UK. While dog insurance is the more popular of the pet insurance coverage on the market, cat insurance cover is very much in the public eye and something which more cat owners are considering. While cat health insurance is something more likely to be used to cover vet fees, there are many more situations which need consideration:

Cat Insurance policy options

Cheap Cat Insurance

As you would expect, the cheapest cat insurance policies will give you the most basic of protection for your cat, with a limit on both the length and cost of treatment. While it offers useful protection in the short term, if your cat was diagnosed with a long term illness the condition would be excluded from the cover after the initial time limit was up. This also means that if you are looking towards longer term cat insurance, you would not be able to include any pre-existing long term medical conditions.

Medium Price Cat Insurance

While medium priced cat insurance cover is a step up from the cheapest cat cover options on the market, in reality there is very little improved long term benefit. The maximum value medical cost is normally 2 to 3 times the value of the cheaper option, but again there is a major problem when looking for longer term cover when an illness has developed.

Lifetime Cat Insurance

Even though lifetime cat insurance cover is more expensive than the other options, it offers by far the most comprehensive cat insurance cover and can save a substantial amount in the long term. While there will also be a maximum payout limit per year (higher than the cheaper options) the same illness can still be covered on renewal of the policy, there by giving the opportunity of treatment to the limit for that year. Unlike some policies there are no maximum age limits for the cat involved, and lifetime does literally mean whole of life.

Vet Costs

Even though the cost of cat vet treatment is something which cannot be avoided there are many cheap cat insurance offers available in the market today. Cat insurance quotes are available online 24 hours a day 7 days a week, ensuring that there is no excuse not to at least look at the options. Whether your cat requires short term treatment or a longer term course of attention there are a variety of policies on the market to suit every occasion.

Lost Cat / Cat Theft

As with the dog population of the UK we are seeing more and more cats lost or stolen, often leading to extensive searches by their owners. Many of the best cat insurance coverage policies will offer up to £1,000 in advertising expenses with some even offering a reward for the return of a lost cat. It is not always the cheapest cat insurance offers which will fit your requirements as you need to balance the cat pet insurance premiums with the degree of cat cover available.

Cat Quarantine Costs

As we see more people working overseas for differing periods of time, or bringing in exotic cats from abroad, cat quarantine fees can be fairly high. If you compare cat insurance on the market you will see that many cat pet insurance plans will cover these fees for you, as well as ensuring that cat health is also very high on the agenda.

Cat Treatment Costs

Cat insurance UK is a growing market, as is the number of animals that are required to complete overnight stays after operations and treatment. A simple cat medical insurance plan will see the pressure of paying for what can be expensive accommodation taken away from the cat owner. However, it is advisable to check your cat insurance quote to see the level of cover on offer.

Cat Accident Cover

No matter how much you try to protect your cat they always seem to get into scrapes and difficult situations, many of which will require veterinary treatment. Insurance for cats is vital in these situations although thankfully the cat insurance UK market is very competitive, ensuring that cat insurance premiums are kept as low as possible.

Cat Emergency Related Costs

A new aspect of pet insurance for cats is the ability to claim back costs incurred in the event that you are forced to cancel a holiday or some other event in order to attend an emergency cat healthcare issue. While the cheapest cat insurance cover may not offer this service, it is one which you should consider next time you obtain a pet cat insurance quote.

Lost Pet Cat Passport

After many false starts the government have finally brought in pet cat passports for those animals travelling overseas, ensuring that all are tracked and the necessary checks are made. Many cat pet insurance policies will ensure that you are covered for the cost of replacing a lost pet passport, something which can prove to be expensive and inconvenient.

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