Cats are one of the most popular pets in the UK, with over 10 million of them being tickled, cuddled and sent into frantic ecstasy through catnip infused kitty toys. But surprisingly, no matter how loved cats are, a proportion of cat owners still don't have any cat insurance. One of the most popular arguments provided by cat owners as to why they don't have any cat insurance is that their cats aren't ill, and don't need any medical care.
Of course, the whole purpose of cat insurance is to protect cats in the event that they'll need some form of medical care in the future. Veterinary fees can be expensive, and many common treatments carried out every year cost hundreds or even thousands of pounds, and most cat owners would find it difficult to have to fork out that kind of money without warning, especially in the current economic climate.
But cat insurance offers more than just medical cover and veterinary fees, and it's often these other benefits which end up saving a great deal of money every year.
What Is Cat Insurance?
There are indoor cats and there are outdoor cats, but all cats are subject to risks and problems, and it makes sense to take out cat insurance to help protect an important part of the family. Indoor pets can still have accidents and fall ill, and all cats can suffer from diseases and problems, including cancer. Outdoor cats face injury in a whole range of ways, and with even a broken leg costing over a thousand pounds, without any form of cover it is sadly often the case that suitable treatments simply can't be afforded, placing the life of the cat, and its happiness, in very serious jeopardy.
Cat insurance offers protection in such cases, with anything from £1,500 to £2,000 or more cover for each single treatment or incident, helping to cover any expenses for treatment and medicine. With fast payouts, having the reassurance of such cover can make a great deal of difference.
But cat insurance can also provide additional benefits such as cover against accidents or damage caused to any property. If you live in rented accommodation then it can be reassuring to have cat insurance which provides cover against any damage or accidents, and this can often help reassure landlords who may be uncertain about pets.
What Are The Different Types Of Cat Insurance?
Cat insurance will vary depending on the breed of cat, the age of the cat, and the location where it lives. Sometimes insurance companies will offer separate arrangements for very young kittens, and although some insurance companies won't insure elderly cats, there are still plenty of companies who will.
Having a cat microchipped, and with a good quality collar with identification and contact details can help lower premiums in some cases, as will having regular checkups and vaccinations.
If you haven't yet chosen your new cat, then it's worth finding out about how different breeds compare. Some cat insurance companies make no distinction between most breeds of cat, whilst some may, especially for rare breeds.
Ultimately, no cat owner should have to choose between the health, welfare and happiness of their beloved cat, and their bank balance. With cat insurance starting from less than £5 a month, protecting cats for thousands of pounds in medical care, there's no need for anyone to face that tough decision.
Quote Professor is a trading name of Leyton Solutions Limited. Registered in England and Wales, Company Number:7022117.