Best Value Cat Insurance - The Best Value Insurance for Your Cat

Best Value Cat Insurance

The Best Value Insurance for Your Cat

Every owner of a lovely feline pet wants to take out the best value cat insurance. However, there is no such thing as one size fits all when it comes to cover for pets. This is because each pet is different and the requirements of each owner are different.

You have to know exactly what you need and what you want and how much you can afford to spend. In this way, you will be able to find the policy that will give you the greatest value for the money that you pay. Use this guide to help you with getting the best value cat insurance for you.

What level of insurance should I opt for?

There are three levels of insurance you can choose from. These are lifetime, per-condition and time-limited. It is worth evaluating each one from your own individual perspective.

For many people, the best value cat insurance is the one that works for the lifetime of the pet. It is the most comprehensive and most flexible of all options. With a lifetime policy, you are entitled to a maximum annual amount of vet fees cover for your pet. You can make any number of claims for any condition and for as many conditions are necessary during the year. The total claimed amount must not exceed the annual limit.

Lifetime insurance is considered the best value cat insurance not only because it offers the highest level of flexibility. This type of policy is designed to cover chronic illnesses and injuries. With this kind of insurance, you only have to renew the policy every year. You do not have to buy another policy. This means that no conditions will qualify as pre-existing. Hence, the insurer will keep paying for the treatment of your cat for as long as it lives.

Per-condition insurance may be the best value cat insurance for you if you have a strong young pet that is in good health. With this level of insurance, you are entitled to a maximum amount of vet fees cover per condition. Usually, the limit is the same for all illnesses and injuries. You can make a single claim per condition. The insurer will pay for the treatment of your cat up to the maximum amount of cover.

Per-condition plans are more affordable compared to lifetime ones, but they are more restrictive as well. Eventually, you may have to buy another policy and any pre-existing conditions will not be covered by it. You have to decide whether the risk is worth taking in order to save money.

Time-limited plans work like per-condition ones. In addition to the per-condition limit, there is a time limit to the policy as well. Basically, the insurer will pay for the treatment of your cat up to the maximum amount per condition or up to the time limit set on the policy (usually 12 months). This may be the best value cat insurance for you if you are looking for the most inexpensive of all types.

How much cover should I buy?

This is an important decision to make when deciding on the best value cat insurance for you. If you buy more cover, the insurer will pay a greater chunk of the cost of treatment of your pet. If you buy less cover, you will save money on the premium.

Take a look at the vet fees in your area of residence to figure out how much cover you need. Consider the cost of the different types of treatments. Figure out what kinds of treatments your pet may need given its age, gender, lifestyle and behaviour.

It is a good idea to have a set budget when looking for the best value cat insurance. This will help you decide how much cover to buy. In general, it is recommended to get the maximum amount which you can afford.

What types of additional covers do I need?

Most insurers companies offer different types of cover along with the main one for vet fees. The main options available to feline pet owners are boarding fees, holiday cancellation, advertising and reward, theft and straying and death cover. Many companies offer cat travel insurance. Some provide third party liability cover also.

It is up to you to decide which ones of these covers will be useful to you, if any. Evaluate the cost of each one against the benefit that you will receive. This will help you decide on the best value cat insurance for you.

How can I save on cat insurance?

What happens when your needs and requirements clash with your budget? In this case, you have to figure out how you can save on the best value cat insurance for you. The good news is that there are plenty of saving options.

Lowering the premium by raising the excess is the option most pet owners choose to go for in order to save. This method works very well provided that you can afford to pay the excess fee every time you make a claim.

You should certainly take advantage of discounts when it comes to getting the best value cat insurance. There are various types of discounts with the main ones being for online purchase, insuring multiple pets and having another type of insurance with the respective company.