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Compare Cat / kitten insurance
Cat insurance
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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
Before choosing a policy, you should bear the following in mind:
- 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.