Lifetime Cat Insurance - What Is Lifetime Cat Insurance?

Lifetime Cat Insurance

What Is Lifetime Cat Insurance?

You have a feline pet and you love it a lot. One of the ways for providing the best care to it is to take out lifetime cat insurance. It is comprehensive and flexible. It will allow you to cover all sorts of expenses related to your pet's wellbeing. Use this guide to find answers to all of your questions regarding this type of policy. It will help you decide whether it is what you need.

How does lifetime cat insurance work?

This type of policy will be valid throughout the life of your feline pet, provided that you renew it every year. Typically, there is a set amount of annual vet fees cover which you can use to pay for your pet's treatments necessary due to injuries and illnesses. You will have the opportunity to make claims for all sorts of conditions from sprains and strains to eye problems and diabetes. Furthermore, you will be able to make as many claims per condition as required. The claimed amount for one year should not exceed the maximum annual limit.

Lifetime cat insurance is the broadest and most flexible type of policy you can buy. With other types of policies, you usually have restrictions on the amount of cover you can claim per condition and on the number of claims you can make per condition. Some even have time caps as well.

What is covered under lifetime cat insurance?

Vet fees cover benefit is present in every policy. This type of cover is designed to help you pay for all treatments your feline pet may need due to an illness or injury. Usually, all sorts of treatments are covered from medication to surgical ones. Dental treatments and complementary therapies are commonly included as well. Hospitals stays are also covered.

Most companies offer additional cover benefits with lifetime cat insurance. Sometimes these are automatically included in the package which you purchase. In other cases, you have the opportunity to add as many of them as you want to the vet fees cover.

The boarding fees cover benefit is designed to pay for your pet's stay in a cattery if you have to stay in hospital for three days or more. The advertising and reward cover will pay any costs for advertising your pet and for a reward which you will provide to the person who finds it. The theft and straying cover is designed to compensate you in case your cat is stolen or lost. The death cover benefit will provide compensation to you in case your pet dies.

Overseas travel cover may also be available with your lifetime cat insurance. It is designed to provide all the same cover benefits that you have on your policy when you travel abroad with your much loved kitty. There are additional ones for lost passport, repatriation and quarantine fees.

Are there exclusions to lifetime cat insurance?

Preventive treatments are excluded from the typical policy. These include vaccination, worming and flea control. Spaying and castration not covered either. The same applies to treatments related to breeding and whelping.

Pre-existing conditions are excluded from lifetime cat insurance. The same applies to conditions which the cat displays symptoms of during the first 10, 14 or 30 days after the start of the policy. Congenital and hereditary conditions are usually included in policies, provided that they do not qualify as pre-existing or experienced during the initial exclusion period of the policy.

The main advantage of lifetime cat insurance is that only a few, if any, conditions will qualify as pre-existing. This is because the policy is for life. If you have to buy a new policy every year, all conditions incurred in the past will be pre-existing. This means that it will be impossible to cover chronic and recurring acute illnesses.

Is my pet eligible for lifetime cat insurance?

This type of policy is typically available to all cat breeds without exclusion. However, most insurers set age limits. Usually, you will be able to cover kittens that are at least 6 or 8 weeks old. Some companies will refuse to cover feline pets older than 10 years of age. Since the eligibility criteria are different for every company, you will have to check specifically whether your cat qualifies.

How much will I have to pay for lifetime cat insurance?

The premium on a policy may be fixed, but this is rarely the case. It is typically based on your pet's age and health. Older cats cost more to insure. The same applies to those who are at higher risk of injuries and illnesses.

Your location may affect your lifetime cat insurance premium as well. If the average vet fees in your area are higher than the average for the country, you can expect to pay a higher premium. Similarly, if the statistical data for your area shows that there are more cats suffering from illnesses and injuries than the average number, you will incur higher insurance costs.

The excess fee is paid every time you make a claim on your lifetime cat insurance. It is usually a fixed sum. It may be the same for all policies or it may be determined individually on the basis of the factors affecting the premium.

Even though lifetime cat insurance is usually not very cheap, it is totally worth purchasing this type of insurance for peace of mind.