They say that a cat has nine lives – but it is best not to test that hypothesis! If you are a cat-lover, you will know that you are a servant to the needs of your feline friend. They understand just how to get exactly what they want and likely have you wrapped around their little paw. You don’t want to see your furry friend out of sorts. Cats can seem pretty resilient, but all animals have accidents every now and then, and even cats, with their preternatural ability to always land on their feet, have mishaps every now and then. Cat insurance is a way to protect yourself and your cat against any eventuality.
Even the laziest lap cat can get sick every now and then, even if they rarely if ever like to leave the house. No matter whether your cat is a stay-at-home moggy, an indulged feline prince or princess, or a night-time wanderer who gets him or herself into all kinds of mischief, he or she can get sick every now and then – just like we do. No matter what happens, it is important to know that you and your cat are protected should something go wrong. That is where Money Pug comes in. We can help you to find your precious kitten the cat insurance they need, so you can always afford to keep him or her well and happy.
Why Do I Need Cat Insurance?
If your cat has always landed on his or her feet, and you’ve not yet had to shell out for vet treatment, you may be surprised to discover exactly how expensive it can be. Veterinary costs are exorbitantly high – and getting higher every single year. Could you really afford to shell out huge sums at short notice should you cat have an accident and break a bone? Could you keep putting your hand in your pocket should your cat need treatment for a serious illness?
Unless you are a millionaire, not having cat insurance in place really could mean putting your cat’s life at risk. If you don’t have thousands of pounds in savings to fall back on then you may come up short, and let your cat down when they really need you. That is why it is so important to make sure that you have adequate pet insurance in place.
What Type of Cat Insurance is Available?
One of the main decisions to make when choosing cat insurance is what type of policy to go for. Generally speaking, you can choose between the following types. Which one of these you choose will depend on a number of factors to do with your cat. You may decide to look at:
- Lifetime Cover:
These types of cat insurance policies are the most comprehensive. These cover your feline pal for their whole lifetime, and include cover for long-standing and recurring illnesses. So if you believe or know that your pet is at risk of developing such a problem then one of these policies will likely be the best option for you.
- Per Condition Per Year Lifetime Cover:
This type of cat insurance policy provides cover up to a maximum limit per condition, an amount which resets each year. You can claim for more than one condition each year, up to the agreed upon limit for each specific illness or condition.
- Annual Cover:
Annual cover tends to be the most affordable option. Policies of this type provide an annual limit for cover each year, which covers your kitty for short-term accidents and illnesses.
What Affects the Cost of Cat Insurance?
There are a number of different factors that determine how much you will have to pay for cat insurance. While you can expect to pay at very least, on average, £30-35 per year, the costs can be much, much higher – up to a few hundred pounds a year, and can vary depending on a number of things, including:
- The age and health of your cat.
- The type and breadth of policy you opt for.
- What breed of cat you have.
- Where you live in the UK.
Does the Breed of Cat Make a Difference to the Cost?
Yes. Some breeds of cat are far more expensive to insure than others. Rare, expensive, prestige pets such as Sphynx cats are the most costly to insure, with annual premiums of over £300. This is largely simply because they are such rare and expensive pets. Domestic shorthairs, Ragdoll and British shorthair cats are at the other end of the spectrum, and are usually the cheapest cats to insure.
Does Where You Live Affect the Cost of Cat Insurance?
Unfortunately, cat insurance can also be more costly for those living in, for example, London, and the south east than it is for those living elsewhere in the UK. Where you live can make a big difference to how much you have to pay for pet insurance – largely because the cost of veterinary treatment also varies considerably between different regions.
In Greater London, the average annual premium for cat insurance is around £290, in Northern Ireland, it is £230, in Yorkshire and the Humber, it is £213, in Scotland, £209 and in Wales, just £190 – a full £100 cheaper than in London.
What Are Typical Exclusions on Cat Insurance Policies?
As with all insurance policies, when choosing a cat insurance policy it is always very important to make sure that you read the small print. Exclusions generally apply on most policies, and you must make sure that you know what these are. Typical exclusions include:
- Cats below and above a certain age range.
- Cats with pre-existing conditions.
- Routine and elective treatments such as vaccinations, spaying and castration, flea treatments etc…
- Sometimes, dental treatments are also excluded.
Make sure you are fully aware of what is and is not included on your policy.