Although possible illnesses and injuries aren't at the forefront of your mind when you add a feline family member, it is important to prepare for such an event by coming up with an action plan. It is easy to overlook the fact that your healthy, energetic cat or kitten can fall ill, but they sometimes do when you least expect it. Once that happens, it is up to you to pick a reasonable treatment option to help your furry friend.
Usually, the only thing that stops pet guardians from exploring valuable veterinary care is the cost. By purchasing cat insurance, you are given more leeway to cover unexpected veterinary bills and you can focus on what matters most: your feline family member's well-being.
If you have the means, diagnosing illnesses is made more accurate through otherwise costly tools such asMRIs. These sophisticated screenings not only examine your cat's health once symptoms exhibit themselves, they can also prevent further complications by detecting problems early on.
Of course, you may also choose to save money for a rainy day. But what if the problem occurs when you've just begun putting money in the bank? It's really a roll of the dice. Nobody wants to compromise the health of their beloved cat but at the same time, not everyone has enough resources to cover an unexpected illness or injury. We cannot really predict the timing of these unfortunate occurrences. No matter what your decision, it is better to be ready if and when the time comes as one costly accident can result in a significant drain in your savings.
If you are going to go for cat insurance, it is wise to check and compare pet insurance with several plans before settling on one. Every company has their own pros and cons and the plan that applies to your sister's cat may not be the best one for your own family pet. It is also advisable to make a decision early on as most companies do not cover ongoing treatment costs and preexisting conditions.
Don't know where to start? Here are a couple of great cat insurance providers in the UK:
UK's no. 1 pet insurance provider Petplan has been around since 1976. That being said, they are promoted by 9 out of 10 veterinarians in the UK and have been known to offer one of the best claims service. Their most popular plan is Petplan Classic - Covered For Life™. This provides cover for chronic injuries or illnesses throughout your feline friend's lifetime. You can make use of up to £8,000 cover annually for treatment costs including emergency care, hospitalization and physiotherapy as well as up to £1,000 for vet recommended complementary treatment such as hydrotherapy and acupuncture.
The advantage of going for Petplan is that they are able to deal directly with veterinarians. This means that you are saved the time and hassle of having to facilitate the payment yourself. Their customer support is also top notch, able to give advice regarding your plan and money-saving options.
You can insure a kitten as young as 8 weeks old (or 6 weeks old if he comes from a Petplan-approved breeder. If you're leaning towards this popular cat insurance provider, you might want to head to their website and give their 4-week long free trial a shot.
Direct Line is a pet insurance provider that has been around for over 15 years. They have two levels ofcover (Essential and Advanced) and they can pay your vet directly. They insure felines between 8 weeks of age to 11 years old and will not stop purely because a cat has reached a certain age.
Per condition, Direct Line covers up to 12 complementary medicine sessions such as hydrotherapy and physiotherapy. The annual limit for vet fees is set at £6,000 if you opt for the Advanced policy.
To ensure that you're getting the plan that's right for you, you may choose to go for a policy that covers loss due to theft or straying, boarding and cattery fees if you have to stay in a hospital and/or an overseas travel add-on that pays for emergency expenses abroad.
In case you have to cancel a trip to attend to your cat's health or he goes missing while you are away,there is also an optional holiday cancellation cover that applies up to £5,000 in any policy period to cover incurred expenses.
Direct Line offers a 15% multi-pet insurance discount if your furry family members are insured under the same policy.