Cat Insurance | All About

Cat Insurance | All About

Pet Insurance

When To Take Out A Policy
What Do You Get For Your Money?
Third Party Liability
Premium Levels
Exclusions
Summary

More than half of UK households have a pet in residence and cats are the most popular, at 10 million, with dogs not far behind in number at 6 million. We are one of a handful of practices that specialise in treating cats.

Veterinary practices are improving their services all the time and as human medicine progresses some of the diagnostic techniques and treatments find their way into veterinary practice. Most practices now have wide ranging facilities such as hospitalisation with general anaesthetic facilities and ultrasound scanning. Treatment costs do not come cheap and repairing broken bones following an accident can soon exceed £1,000 or more. This may come as quite a shock and cause a payment problem. It is not surprising therefore that more and more pet owners are taking out insurance policies. Cats can be insured, with most policies costing no more than a few pounds a month, as the average cat insurance claim is less than the average dog claim.

When To Take Out A Policy

The same rules apply to buying a pet policy as your own health insurance policy – buy it when young and healthy and there are no existing conditions to report. Read the small print carefully and take particular notice of the terms and conditions that will explain what is and what is not covered together with any excess payments that may be required.

What Do You Get For Your Money?

In general, diagnosis and treatment for any accident, injury, or illness, will be covered by the policy. However pre-existing and chronic conditions will almost certainly be excluded or subject to an excess. Understandably any insurance policy with a high claim likelihood has to maintain a careful balance between premium level, excess charges and exclusions for the insurer to remain in business.

As in human medicine a very large number of sophisticated diagnostic tests are available. Some will require the services of a laboratory, for example blood and urine samples to test for the presence of infection, diabetes or metabolic disturbances. X-rays and ultrasound scanning are other commonly used diagnostic procedures. Rapid diagnosis is vitally important in the treatment of any illness and diagnostic tests may have to be carried out at intervals to monitor the success of the treatment or antibiotics being prescribed for an infection.

Cats can stray on to roadways and may have to undergo hospitalisation following an accident. Rare and unusual conditions such as leukaemia or cancer can be costly to diagnose and may require specialist treatment. Some conditions, such as hyperthyroidism or diabetes will require long term treatment. An insurance policy in these circumstances will bring peace of mind.

Third Party Liability

This is an important benefit to protect pet owners against being sued if their pet causes damage or injury. This can be a cat causing a road accident.

Premium Levels

As with most types of insurance, premiums will vary according to risk. A valuable pedigree can command a higher premium than a moggy. Post Codes will also be taken into account and proximity to built up areas of towns and cities.

Exclusions

Routine and preventive care will be excluded together with anything classed as “cosmetic”. All pre-existing conditions will also be excluded.

Summary

Did you know 1 in 3 pets may require unexpected veterinary treatment each year? Whilst advances in veterinary medicine mean we can do more for your pet, treatment costs can soon mount up. We recommend Pet insurance to all our clients to help cover unexpected vets bills.

You may be surprised to hear that you are more likely to claim on your pet insurance than your car or household policies (Allianz Insurance plc). In fact, in our experience if you are one of the few people who don’t need to claim on your pet insurance you really are very lucky indeed!

It’s important to be aware that not all pet insurance is the same. Some policies limit the amount of time or money that you can claim for. Don’t just shop around on price alone.

At Simply Cats Vet Clinic we recommend Petplan insurance for the following reasons:

With Petplan’s “Covered for Life” guarantee your veterinary fees cover is renewed each year no matter how much you claim.
Petplan doesn’t place exclusions at renewal on their Covered for Life policy so on-going conditions such as eczema continue to be covered by the policy.
Petplan won’t increase your premium or excess just because you make a claim.
Petplan is a pet insurance specialist so they understand the animal market and work closely with vets, charities and breeders.

Click here to find out more about the different types of pet insurance we recommend

 

Pet Plan Cat Insurance

Clinic Opening Times & Consultation Periods   CLICK HERE

Clients Of The Clinic:

In the event of an out of hours emergency please contact the surgery on 0191 385 9696 and listen to the voice message to obtain the on call phone number.

In An Emergency:

In an emergency please try to phone the clinic ahead of your arrival if at all possible, this will enable staff to be ready to attend to your cat immediately!

Phone:       0191 385 9696

E-mail:        office (at) simplycats.net

Address:    Simply Cats Vet Clinic
                     12 Front Street,  Fencehouses
                       Durham  DH4 6LP  UK

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