Insurance for your Cat

Do you need pet insurance, well no, not really, but is it advisable to have pet insurance, yes. If you have a lot of money you can cover the costs of anything that happens to your cat but most of us would rather not take the chance that we are rich enough to cover any costs that may crop up so we take out pet insurance.

Cats are like humans when it comes to illness, its something that tends to happen, as they get older, just like us. For this reason it is usually much cheaper to take out insurance when your cat is younger. The insurance will not cover the early injections your cat needs. They are something classed as normal, but it should cover an illness or accident that your cat has. Not always though, it all depends on the type of policy you get and the more expensive is usually better but that is just like life, you tend to get what you pay for. It is very important t to read the policy document that comes with the insurance. Do not rely on a leaflet about the insurance this will not cover the fine detail you need to know.

Another thing to think about is be wary of going on the recommendation of your vet when it comes to pet insurance. They may be advising you buy an insurance package that they are making money on in commission. I know if I were selling something I would look at what made me the most money. This may not be true in many cases but you never know. Shop around for the best policy and look at web sites that compare different insurance packages.

As you cat grows older, the pet insurance will usually become more important. Some will pay for routine health checkups for your can and most will pay for the drugs your cat may need and remember that these can start to become expensive. Something else to think about is a pure breed cat. As these are, to a certain extent, inbred, they tend to have more medical complications than a crossbreed you are likely to pick up in a pet store. Mind you, having a cross breed is no problem, Tigger is one and he is the most loving cat I have ever had, except when he put me in ER, but remember that was my fault and he was only playing.

Anything else to think about, well do not wait until your cat is sick before thinking about pet insurance. The best time is now, as you never know when you will need insurance. Other things to think about is to read the small print very carefully. Some policies limit a claim to a set amount paid per condition. Some limit payouts to a set amount every year and some will limit the amount of times you can claim in a year. There are some which do not have limits but these are very expensive, fine if you can afford them but just think, can you afford not to have some kind of pet insurance.