Cat Health Insurance - What Is Covered with Cat Health Insurance?

Cat Health Insurance

What Is Covered with Cat Health Insurance?

The treatment of a chronic condition affecting cats such as feline diabetes or arthritis can cost thousands of pounds a year. Cat health insurance is designed to help you pay for any treatment which your pet may require because of an illness or an injury. You will have the opportunity to provide the best medical care to your pet without worrying about draining your wallet. You just need to know what this type of insurance covers and what it typically excludes in order to make the best choice of product when you go shopping for the ideal policy.

What is included in cat health insurance?

The typical policy covers the treatment of all kinds of injuries and illnesses. These include acute and chronic, curable, incurable, congenital and hereditary conditions. Basically, your pet is covered for virtually anything that can happen to it.

The standard cat health insurance policy covers all kinds of treatments. These include medication treatments, all types of procedures from injection administration and cleaning wounds to the immobilisation of the leg with the use of plaster. Surgical treatments are also covered by standard plans. If your pet has to remain at the veterinary clinic, the insurer will pay all costs associated with the stay.

Most cat health insurance plans cover dental treatments necessary due to illness or injury. Complementary therapies are included in the policies as well. All complementary treatments recommended by your veterinarian will be paid by the insurer. Some notable examples are hydrotherapy, physiotherapy, acupuncture and homeopathic treatments.

It can be safely said that cat health insurance is quite comprehensive. You will be able to use it to pay for any sort of treatment that your pet requires irrespective of the condition that it is suffering from. It is a great advantage to be covered in case of an emergency.

What is excluded from cat health insurance?

Preventive, cosmetic and elective treatments will not be paid for by any insurer. You will have to pay for preventive care including vaccinations, boosters, flea control, worming and teeth cleaning out of your pocket. The same applies to cosmetic procedures that your vet performs on your cat such as nail trimming. In general, all procedures which you choose for your pet and which are not medically required for the treatment of an illness or an injury will not be covered.

Spaying, castration and treatments related to breeding and whelping are excluded from standard cat health insurance plans. For instance, if your pet requires tests and treatment due to breeding problems, you will have to pay the cost yourself. If your cat needs medical assistance during whelping, you will need to cover the vet bill out of your pocket. This does not have to be the case, however. Some companies offer special breeder's insurance that is designed to cover such treatments.

Pre-existing conditions are excluded from cat health insurance. These are defined as conditions which the animal displays symptoms of before the start of the policy and 10, 14 or 30 days after its start. The exact duration of this initial period is determined on the basis of the level of cover which you obtain. The definition of pre-existing conditions makes it quite clear that it does not matter whether the illness or injury is diagnosed and treated or not. If symptoms are present, then it is automatically excluded from the policy.

What levels of cover are available?

There are three types of cat health insurance based on the level of cover which the policyholder obtains. You can go for a lifetime policy which is the most comprehensive of all options. You will be able to use as much coverage as necessary up to the annual limit. You can claim on as many conditions as required. You can make any number of claims on any illness or injury.

The per-condition cat health insurance policies have a cover limit for each illness and injury that your pet may suffer from. Usually, the limit is one and the same for all conditions. You can make a claim per condition up to the limit. In most cases, you will not be allowed to claim on the same condition twice.

The time-limited plans are similar to the per-condition ones because they have cover limits per condition. In addition to these, there are also time limits. The issuer of the policy will pay for your cat's treatment up to the maximum cover for the condition or up to the set time limit on your plan, depending on which one is reached first.

How do I buy cat health insurance?

It is up to you to decide what level of cat health insurance to buy and how much cover to buy. Consider your needs and requirements and your budget. Keep in mind that the premium and often the excess depend on individual factors like your cat's age and overall health and the area where you live.

Collect and compare cat health insurance quotes from various companies. Compare the amount and level of cover available. Pay attention to the limitations and exclusions of the policies. Choose the product that gives you the most value for the money you can afford to pay for pet insurance.