Choosing Your Cheap Cat Insurance Cover
by Tanya in Cheap Cat Insurance
Are you wanting to obtain pet cat insurance but find yourself unsure how to choose a level of cover or when to sign-up? Are you convinced that pet insurance for cats is a good idea, but needing to find a cheap cat insurance plan? Here are some answers to these important questions.
When to Sign-up for Cat Health Insurance
Enrol your cat in an insurance plan as soon as possible after it is 6 or 8 weeks old. Why the haste? Pet insurance for cats will not apply to a pre-existing condition—so it’s very important to enrol before a condition develops or before there is an accidental injury that requires ongoing care.
Cat Insurance Policies
- Lifetime health care cover
- Accident, illness and injury cover
- Emergency boarding fees
- Pet travel cover
- Veterinary nurse 24-hour helpline
- Online discount - 10%
Another consideration is your cat’s age. You can purchase a policy at any age, but for life cover there is usually an age limit. When your cat is over age 10 or 11, it will be difficult to obtain life cover.
How to Select a Level of Cover
There are a variety of cover levels and claim maximums. Of course higher maximums and more extensive cover cost more. Making a final decision will involve balancing how much you can afford annually against how much you will be able to pay, should your pet suddenly need expensive medications or surgery.
Look at annual expense—Take into account the regular cost of pet health maintenance, as well as premium costs. Regular health care may include vaccines, worming treatments, grooming, good quality food, and clean litter. Premium costs start at about £4 per month.
Choose a level of cover—When choosing a level of cover consider:
- your cat’s health,
- whether or not it is exposed to accident risks,
- any hereditary risks, and
- any special risks for its breed.
Your vet may be able to give valuable information about the level of health care costs to expect in the future. When choosing a cover maximum remember to calculate the cost of any complementary care such as physiotherapy or hydrotherapy.
Consider whether you need cover for the full cost of caring for a recurring, chronic, or long-term illness. The full amount of such costs can only be covered by a life plan—and some life plans have a lifetime monetary maximum rather than annual limits.
If you don’t feel life cover will be necessary, or you need cheap cat insurance, go for a time-limited plan that will provide adequate cover for the first 12 months of each ailment.
How to Find an Affordable Plan
Once you have chosen the type of plan— that is, full life, limited life, or time-limited— it is possible to lower the cost by choosing a plan with a higher excess or co-insurance option. However, keep in mind, that with a higher excess, though premiums go down, your contribution to vet bills will go up. For example, you can save premium costs by opting for a £75 excess, rather than a £50 excess—but each time your pet needs vet care, the excess payment will be higher by £25.
Co-insurance also lowers premium costs. With a co-insurance provision you agree to pay at least 10% or 20% of a claim, after any excess amount has been subtracted.
Shop around for a cat insurance quote. Compare different packages before making a final decision. The internet is an excellent place to look, to apply for fast quotes, and to read-up on the details.
Cat Insurance Policies
- Lifetime health care cover
- Accident, illness and injury cover
- Emergency boarding fees
- Pet travel cover
- Veterinary nurse 24-hour helpline
- Online discount - 10%
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