November 8, 2022

What is Covered by Cat Insurance?

Cat insurance is vital, whether you’re bringing home a new furry friend or looking to renew a policy on another. Without it, you may be paying out of pocket to cover high vet fees.

What does cat insurance cover?

Your cat might be in perfect health, but accidents and illnesses happen. Cat insurance covers vet fees and medical expenses, so if your cat gets unwell and needs treatment, you won’t be forced to fork out thousands of pounds. Being fully insured can cover your vet fees up to £15,000.

This means you won’t have to pay for expensive examinations, X-rays, medication, or even surgery. If your cat needs to be referred to a specialist, which can be pricey without insurance, having a policy in place will ensure that your cat will get the best treatment possible without the hefty price tag.

Insurance can also cover the death of your cat, so you can get back the cost of what you paid for it. It also takes care of cremation and burial fees, as well as the cost of having to put your pet down if necessary.

Many cat insurance plans also cover dental work, which can be costly. Some will only cover injury-related dental work, but others can be more inclusive and cover any dental work your cat may need after their check-up.

Missing cats

Many policies have the option to insure your cat if it is ever lost or stolen. This can be a huge help when recovering your cat, as it covers advertising costs, such as printing posters, to search for your cat.

Pre-existing conditions

Unfortunately, many insurance policies do not cover cats with preexisting health conditions, as they can be deemed too costly. Taking care of a poorly cat can be costly, so it is worth doing the research to find a company that will insure your cat, so you don’t have to worry about soaring vet bills.

Older cats

Cats over the age of eight are usually classed as older pets, which can mean that you may struggle to find insurance. Many companies set an upper age limit, as age can mean more health complications and higher payouts for cats who need treatment.

Some companies will insure older cats but have a co-payment feature in which you will need to contribute a set amount to whatever treatment your cat needs.