Cat Health Insurance Cover Options

There are many options on offer for cat health insurance. UK pet owners are fortunate to have a variety of packages to choose from-yet a wide range of choice can be confusing. This basic overview will help you to:

• Understand and ask questions about a quote;
• Assess whether a cheap cat insurance option will provide sufficient protection.

Three Different Cover Plans

There are three key variations of cover levels:

1. The most thorough type of cover is called "Life Cover". This type of pet cat insurance policy will pay vet bills for as long as your pet is ill, subject to a maximum amount for each calendar year.
   Related Coverage

   • Choosing Cheap Cat Insurance
   Cheap cat insurance plans can be very helpful, but unless you have weighed the options, it is possible to regret not having purchased more extensive cover. Companies offer several different types of cat insurance. UK pet owners need to know how policies work and how they are priced in order to make the best selection.
   • Cheap Cat Insurance
   When you have a cat, an important step is to obtain cat insurance. UK pet lovers are relying more and more on these plans to help shoulder the financial responsibilities of pet ownership. With over 80 companies offering pet insurance for cats, it's possible to purchase good quality, cheap cat insurance. The main advantages are:
   • Why Buy Cat Insurance?
   Cats get sick, cats get hurt in an accident. These are just a couple of examples of why it is very important for you to consider obtaining cat insurance for your cat at as young an age as possible.
   • Cheap Cat Insurance Features
   Pet insurance for cats comes with many standard and optional features. When requesting a cat insurance quote, clarify which features are included. You may be pleasantly surprised to learn about the kinds of protection that come with cat insurance.
   This type of cover is particularly helpful when a pet has a long-term condition such as diabetes. The annual maximum might be expressed as a single amount, such as £6,000, per year, or it might include a limit for each health condition-such as, £4,000 per year with an annual limit of £1,000 per condition.
2. A variation of life cover offers a maximum for each illness or injury, ranging from £2,000 to £7,000, for the life of your cat. As long as the policy is in force, you can submit claims until the maximum for each condition is exhausted.
3. Time-limited arrangements offer an inexpensive option that covers most short-term injuries and illnesses for a specified period of time-for example, £3,000 to £5,000 per condition, for 12 months. If a condition lasts longer than 12 months or recurs after the 12-month period has expired, this type of plan will not provide cover.

Excess and co-insurance provisions help companies to provide cheap cat insurance options. An excess is the amount of a vet bill that you pay before the insurance applies. For example, if your bill is £200 and the excess is £50, your policy will pay £150.

Sometimes pet insurance for cats includes a co-insurance provision. Co-insurance applies to the portion of the vet bill that remains after any excess is subtracted. Co-insurance deducts a specified amount or a percentage, whichever is more, from the amount you can be reimbursed. For a £200 vet bill, with 10% co-insurance subject to a £35 minimum, you will receive £200 minus £35, i.e. £165-and for a £400 claim, the co-insurance will be £40 (10%) making the payout £360.

When studying a cat insurance quote, make sure you understand whether the excess is calculated per condition, per year, or in some other way. Sometimes you can choose the level of excess and/or co-insurance, and sometimes the level will depend on where you live and your cat's age. When selecting your policy compare the premium savings that come with a higher excess with your ability to contribute to major vet bills that might come up in the future.