Insuring your cat is an important consideration for many owners. Given the increasing numbers of illnesses and diseases being reported over the last twenty or thirty years, it's likely that your cat will need expert care at least once in his lifetime.
You only have to look at the current rates veterinary surgeons charge for surgery to know that cat insurance not only gives you peace of mind but that your cat will never have to suffer without veterinary care. After all, in today’s society, many people are dependant on their pets for emotional support as pets serve to fill the emotional gap in their lives.
When you're looking around for a cat insurance program it's worth thinking about what you want the insurance to cover within the premium. If you're looking for cheap cat insurance, check the small print, the exclusions and the limits of the cover so that you're not suddenly left with a huge vet bill which is not covered by the premium. Another thing to note when signing up for insurance plans, is that most policies maintain that your cat has to have an annual check up and has proof of vaccinations and worming treatments.
When deciding on the type of insurance plans, insurance for accidents caused by your cat is another important consideration. This would be determined by the value of the furnishings in your home as well as your cat’s penchant to venture into your neighbors’ homes. This would alleviate costs of damage in your home or to someone else's home. This is particularly relevant if you are renting and you want to be able to make good any repairs that may be needed if your cat shins up the curtains and pulls down the rail or shreds the carpet in a burst of energy.
Some insurance companies are reluctant to insure cats over the age of eight years old so if you're looking for lifetime insurance, include that priority in your criteria for choosing an insurer.
Some insurance companies offer 100% compensation if you have a house cat that doesn't venture beyond the boundaries of the home, simply because they're less likely to come into contact with other cats and get into scrapes when they're outside.
Coverage for the pedigreed breeds tends to be higher compared to insurance for the standard moggy. Premiums are higher in city areas as well. Other considerations would include the current health status of your cat and whether it has chronic illnesses. Some policies cover the costs of ongoing treatments including consultations while others might only pay for the course of treatments and the first consultation. As different companies have different claim procedures, you will need to produce the relevant documents and proof. It would be useful to check up on these procedures, as some companies might have additional requirements. Bear in mind that making a claim might affect your premiums and standing in some companies.
A good gauge of the reliability of the insurer is through word of mouth, so check amongst your friends and neighbors to see if any pet insurance companies are particularly recommended. Alternatively, you could trawl the net and just draw up a checklist of the priorities you need covered to decide on the one that suits both you and your cat.
Moses Wright is the webmaster of CatCustomer.com. He provides more helpful information on Cat Health , Cat Veterinary Diseases and Cat Nutrition that you can learn in the comfort of your home on his website. You are welcome to reprint this article if you keep the content and live link intact.