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Cat / Kitten Insurance

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Cat and Kitten Insurance

Company	Package Name	Online Discount	Cover level	Age Restrictions	Notes
	MORETH>N Cat Insurance	15%	£7,000 per condition	No age limit	cover from £6.79
	Direct Line Cat Insurance	10%	£4,000 per condition	8 weeks to 9 years	£20 towards the cost of vaccinations.
	Halifax Cat Insurance	5%	£6,000 per condition	No age limilt.	10% additional pet discount
	Tesco Cat Insurance	20%	£4,000 per condition	No age limit	Cover starts from £4.50 a month
	PetPlan Cat Insurance	10%	£5,000 per condition	8 weeks to 10 years	10% online discount when you insure your dog, cat or rabbit.
	Sainburys Cat Insurance	15%	£7,500 per condition	no maximum age for vet's fees	15% online discount ends 8th September 2008

About Cat / Kitten Insurance

You never know with cats, they can be bounding about freely one day and off the scale poorly the next.

Cat and kitten insurance is there to cover you in the event of an unexpected vet bill. Vet bills increase at an average of 12% per year, well above the rate of inflation. Vaccines alone can cost in the region of £40 for each injection.

Coverage of Cat Insurance:

Cat insurance policies cover the following:

Vet fees, both UK and overseas.
Third party liability.
Cat replacement costs (should your cat be lost or stolen).

Things to Consider:

A number of insurers will refuse to cover your cat if it is over a certain age.
The cost of fixing a cat’s broken leg can amount to £825.
The excess on your policy can range from £25 to £65. For some of you it may be worth paying a higher excess and a lower premium, for others it may be the other way round.
Keep your pet insurance premium low by locating the animal in a safe place around the house. Pets kept outside or in dangerous areas such as the kitchen are deemed higher risk by insurance companies.
Many insurance policies will exclude such eventualities as emergency boarding, accidental death or quarantine costs. Check before you take out the policy.
Basic starter policies will only cover the rudimentary issues. The more advanced policies will cover such complexities as the cost of advertising and a reward should your pet be stolen.
Most policies cover up to the first £5000 of any given condition.
Be truthful when applying for pet insurance, or the likelihood of receiving a payout when something goes wrong is low. If your pet has a heart murmur or any other condition, declare it.