Our one-of-a-kind cat insurance reviews evaluate the protection offered by various types of cat insurance policies, allowing you to choose the protection that best suits your needs.
What exactly does “cat insurance” mean?
If your cat becomes ill or is injured, having cat insurance might assist you in covering the expenses associated with veterinarian care.
Some policies will also pay out if your cat gets lost or if it needs to be boarded because you are hospitalized and cannot care for it yourself.
We examined the plans of many insurers and ranked them based on the various aspects of coverage they offered in order to locate the best cat insurance policies.
Different kinds of insurance for cats
There are primarily three different kinds of insurance coverage available for cats:
Insurance with lifetime coverage for cats
The most all-encompassing type of pet insurance available, known as lifetime coverage, compensates you for any ongoing medical problems that may befall your animal companion during the course of its life.
There are two primary varieties of lifetime coverage: coverage that is specific to a condition on a yearly basis and coverage that is annual in nature.
Annual lifetime coverage has a maximum overall limit that takes into account any and all conditions that your pet may suffer from. This limit is adjusted every year. In addition to this, several insurance have lower yearly restrictions within this framework for certain scenarios.
The lifelong coverage that is provided on a “per-condition, per-year” basis has a maximum limit for certain conditions that your pet may have, but that limit is reset every year.
In the event that you do not cancel your policy, both ‘per condition, per year’ and ‘annual’ pet insurance policies will pay for your pet’s continuous medical conditions throughout the year.
Insurance for cats that doesn’t cover them forever
Coverage that isn’t lifetime isn’t as all-encompassing and won’t reimburse you for previously treated conditions once you’ve reached the policy’s claim maximum.
There are two primary categories of insurance that do not cover a person for their entire lifetime: per-condition cover and time-limit per-condition cover.
Per-condition There is a maximum amount that will be paid out by pet insurance for each ailment, and after that maximum amount has been paid out, the condition is no longer eligible for further payouts.
A time-limited per-condition pet insurance policy has a limit on both the amount of coverage that is provided for each condition as well as the amount of time that coverage is provided for before the condition is excluded.
If you have a policy with a time restriction, then regardless of whether or not your limit for a certain condition has been met, the condition will finally be excluded after a period of 12 months.
insurance for cats that only covers accidents
Accident-only pet insurance will pay a predetermined amount of money for any unintentional damage that your pet sustains, which will assist you in paying for their medical care. It’s the least expensive sort of pet insurance policy, but it doesn’t cover anything related to illness at all.
Read our guide on pet insurance explained to learn more about the things that are covered by pet insurance and the things that are likely to be excluded from coverage.
What are the best insurance policies available for cats?
Because there is such a wide variety of options available for cat insurance policies, it can be difficult to determine which one is best for your feline friend.
The many types of cat insurance plans are broken down into their respective tables (explanations may be found above), and the policies are rated according to their policy scores.
Check out our rundown of the companies that provide the best and worst pet insurance for additional details on how we arrived at this number.
What are some ways that I might reduce the cost of my cat’s insurance?
The following is a guide that will show you how to prevent your four-legged companion from emptying your wallet:
1. Learn what your specific breed of cat need.
The Association of British Insurers estimates that the average amount paid out for a pet insurance claim in the year 2020 was £817. Due to the fact that it is possible that you will need to file many claims, we do not advocate purchasing insurance policies that pay out less than £2,000 per year.
However, each pet is unique, which means it is in your best interest to become familiar with the requirements of your particular animal before purchasing insurance for it.
The cost of insuring a cat is typically lower than that of insuring a dog; yet, cats can still develop chronic diseases such as hyperthyroidism later in their lives. In addition, some dog breeds are known to have more expensive medical requirements than others.
Have a conversation with your veterinarian about the common ailments that affect animals and the degree of coverage they recommend.
2. Invest in insurance coverage while your cat is in good health.
Because the majority of policies do not cover pre-existing conditions, purchasing insurance for your pet early ensures that they will receive the highest possible level of protection. This may sound paradoxical.
3. Check to see that your cat’s vaccinations are up to date.
Make it a priority to take your cat to the veterinarian regularly for checkups and vaccinations, including booster shots, to reduce the likelihood that he will have an illness that will drive up his insurance costs.
4. Have your cat implanted with a microchip.
Although cats are not currently required by law to have microchips implanted, as is the case with dogs, doing so could result in lower insurance costs for owners of certain policies.
5. Make payments on an annual basis (if you can afford it)
When you pay on a monthly basis, it is common practise to also pay interest on the balance, which might result in a price that is quite high.
6. Bargaining during the renewal
If your insurance provider raises your cat’s premiums without a valid reason (for example, by asserting that a regular treatment constituted an indicator of an underlying condition), see a veterinarian for guidance and lodge a formal complaint with the company.