Cats regularly impress us with their flexibility, agility, and intelligence. But as much as they may think they’re invincible, our formidable felines can still have accidents or fall ill.
And you never want to have to compromise on your cat’s care because you can’t afford the bills. So let’s talk about why cat insurance is important.
Some owners think they may not need to get insurance for their kitten or cat because they’re young, healthy, and have fast reflexes. But accidents can happen at any time and at any age.
You don’t want to be worrying about the cost of treatment or surgery in an already stressful situation. And not having the funds in place to cover the vet bill could mean delaying things and potentially worsening your cat’s condition.
Common accidents and injuries for cats include:
Being nocturnal hunters, your cat will naturally be more active at night time. Cats Protection Essential Guide 12 points out how cats are at increased risk of road traffic injuries and fatalities in those twilight hours.
And living in ‘quieter’ countryside areas doesn’t always reduce the risks for your feline. A 2017 study by the University of Bristol found that cats had a higher risk of road traffic accidents in rural areas.
Accidents can be expensive – but so can unexpected illnesses.
Cat insurance can give you the confidence that treatment for your feline’s ongoing condition could be covered.
Be aware that some providers won’t cover your cat’s pre-existing conditions, only new conditions that begin after you’ve taken out your policy.
Investing in cat insurance isn’t just a way to be prepared for expensive vet bills.
Your policy could also cover you for other things, like:
Many cat parents think keeping their felines indoors stops them from getting poorly.
True, they won’t be at risk of road traffic accidents or fighting with other non-household animals. But you should still think about getting insurance as your indoor cat could develop genetic and age-related illnesses.
Plus, they may have to deal with other problems as a result of being kept indoors, such as:
How much you’ll pay for your cat’s policy depends on a few things:
Check out our article on how to choose the best pet insurance if you’d like to know about the different types of pet policies available.
And don’t forget, some providers give you the option to pay monthly or annually at no extra cost. This could help you more easily manage your cat care budget.
It can be tempting to choose the cheapest level of pet insurance out there, but this may not be right for your cat.
Treatment and operations can be more expensive than you think. For example, if your cat had a long bone fracture that needed repairing, this could cost several thousand pounds.
The lowest vet fee limits may not cover all of your cat’s medical costs in a policy year (for one or multiple conditions). Then you could have to make some difficult decisions about their treatment options if you can’t pay out of pocket.
So look into:
Think about insuring your cat as soon as possible, as you never know when they may have an accident or fall ill. Many insurers offer cover from as young as four weeks old.
But keep in mind that some providers only take on new cats up to a certain age. Or have strict limits on/won’t cover pre-existing conditions.
Pet insurers have different definitions of what is an ‘older cat’. Generally, it tends to be cats who are at least over eight years of age.
You can get insurance for your older cat, but not all providers will take on older felines. And they may add on a compulsory bill share, or there could be other limits, so check your policy wording carefully.
If you need to make a claim, you may be able to ask your cat insurance provider to pay your vet directly.
Both your insurer and vet will need to agree to this. So if it’s an important factor in covering your cat, don’t be afraid to ask around.
At Petsure, we don’t discriminate against older felines or those with pre-existing conditions, so check out our cat insurance today.