What is Cat Insurance? (Facts & Complete Guide)

Pets in general and especially cats are gradually becoming familiar in all of us. They gradually became close friends, irreplaceable members of many families.

For that reason, “cat-feeding” services to serve and take care of cats are emerging more and more.

You may be familiar with veterinary clinics, cat spas but do you know cat insurance?

Introduced about 3 or 4 years ago, this special type of insurance quickly proved the importance and huge benefits (especially economically) for many cat owners.

What did you learn about cat insurance?

What is cat health insurance?

Does your cat need these?

What will good insurance policy for your cat cover?

And how much should kitten insurance cost?

Let my article answer you for some of these questions. I hope it helps you.

What is Insurance for a Cat?

There is a rather humorous view that insurance for a cat is a no less imitation of insurance for humans.

To put it bluntly, that’s right. But kitten insurance also has a lot of differences that are worth paying attention to.

I will come from our insurance, insurance for people, to clarify the concept of “cat insurance”.

You can understand it simply: Insurance is a legal contract through which individuals or organizations using services (subject to insurance) will accept to pay a certain amount (fee insurance) to an organization and.

In this case, insurance companies in exchange for payment commitments when a contract event occurs.

Insurance is a form of minimizing risks, helping protect individuals and organizations from financial losses, health losses, or other related issues.

Similar to insurance for people, insurance for the cat also has the main function of protecting the interests of these furry friends.

It as well limits the amount of money their employer has to spend in cases such as cure cat disease, find the missing cat…

This is also a type of contract that we will sign with pet insurance companies. Some famous names in this field are Nationwide, Trupanion, and Healthy Paws.

In other words, after paying a term deposit to the above organizations (monthly, quarterly, yearly, or lifetime), you and your cat have a guarantee. Because in the end, in any case, the last thing you care about is the money you have to spend, right?

So, why should you apply for your cat’s insurance?

apply for your cat insurance

There are many possible reasons for this.

There is an old saying like this: “Cats always land on their feet”. But in today’s society, why don’t we create our assurance for ourselves and our adorable cat when given the chance.

A cat is a wild animal.

This means that no matter how domesticated, the curious, energetic, and adventurous nature still exists in this animal.

Cats like to sunbathe, but you can’t keep them lying in the sun all day.

Cats may like to cuddle with friends who can’t talk and play with them all day long.

And whenever you take your eyes off them, the risks begin to have an opportunity to appear.

According to Petplan statistics, there’s a 33% chance your cat will need unexpected vet care this year.

And even if your cat is not in the 33% range, you cannot deny your responsibility for your pet and do not allow them to see them throughout their lives.

That is when cat insurance develops its strength

If the above arguments still do not make you convinced, let the economic benefits speak directly.

According to Dr. Louise Murray, vice-president of the American Society for the Prevention of Cruelty to Animals’ (ASPCA) Bergh Memorial Animal Hospital, for cats, an emergency surgery without surgery may cost between 2,000 and 3,000 dollars.

Meanwhile, an accident that requires surgery will cost you between 3,000 and 5,000 dollars. And trauma and urinary tract infections are the two most common health problems in cats.

Do those expensive fees make you feel a bit confused? And that is the point that cat insurance has developed in recent years.

Companies like Petplan or Trupanion are willing to pay huge support payments to retain their customers.

The amount of support offered by these companies varies widely and it is impossible to conclude which company will give you the best deals.

And one of my favorite things about cat insurance is that the guarantee is always on top of the most unexpected cases.

When your cat disappears unanswered, Comparecover is willing to pay you a search fee and money to reward the person who helped you find the cat.

Even if your cat has to go away forever because of an accident or illness, this insurance company is willing to provide a portion of the money equivalent to the value of the cat in the market to ease your sadness.

Thus, you can see that insurance for a cat is a contract that can affect almost all relationships that arise in the life of the cat.

In other words, this is a comprehensive agreement and through the above reasons, you see that this type of insurance has many benefits for ourselves – cat owners.

Factors that insurance for cats will cover

Cat Insurance

What are these if not the key elements of your contracts when you sign up with pet insurance companies?

The following factors are summarized from the official website of Petplan, Comparecover or Trupanion and from the insurance for cats I have registered for my little Capi:

  • Charges for examination and treatment of health-related problems (due to illness, injury, accident)
  • The death of your cat
  • Loss and theft of your cats

And here, I will analyze clearly to understand how kitten insurance will impact on the above factors to support you.

1. Payments for the examination and treatment of cats’ health problems (due to illness, injury, accident)

This is the first factor that you should consider when signing a contract with any company.

No one can predict anything on issues like this. Yesterday you may still be healthy, but a mere carelessness can cost you a tear in your hand, a fracture, bone damage, and more.

The cats are the same. His mischief is sometimes the main factor that causes them to suffer adverse health consequences.

And if you’ve been keeping cats for a while, you’ll realize that the money you have to spend on veterinary clinics is extremely expensive, hundreds, and even thousands of dollars.

And when your cat has been hospitalized to be under the supervision of veterinary hospitals, the money you spend could make you cry out of regret.

Cat insurance, in this case, will act as a philanthropist to assist you a lot in paying the bills. So what do these costs include?

1.1 Fees for admission to hospital or visit at veterinary clinics

When you visit a veterinary clinic or, in the worse case, your cat must become a patient to receive special care from a doctor.

Cat insurance will cover most of the money you pay.

Note in this case that the cases that require the intervention of veterinarians will have to ensure the medical standards and come from accidents or disease (not related to cosmetic work)

1.2 Fees for diagnostic treatments

Diagnoses and tests are required parts that veterinarians need to perform if they are to find out why cats are not healthy.

Blood tests, spinal cord tests or specialized chemistry tests that are part of a medical procedure will be covered by insurance companies, for example, Petplan.

1.3 Fees for treatment

The process of treating cats is extremely complicated.

Studies by scientists specializing in this field have shown that cat therapies are many times more complicated than humans because of the cat’s internal system.

That means the same for the cat’s musculoskeletal system, are extremely Small and sophisticated many times human.

But perhaps it is for this reason that many activities in this period are supported by kitten insurance as well as related companies in this field.

First of all, treatment related to radiography using an ultrasound machine or ultrasound machine.

This is an important channel that helps provide veterinarians with the opportunity to implement follow-up treatments as well as to monitor the progress of cats.

If your cat is treated by a licensed physician, cat insurance will cover all or nearly all.

At the same time, complex and high-precision treatments such as minor surgery, major surgery, and comprehensive treatments are also greatly supported.

Thousands of dollars in treatment fees will be reduced so you have more opportunity to pay.

Currently, with the investment and reasonable cash flow, many insurance companies have boldly supported cat owners in two of the difficult areas of the animal.

It includes cancer treatments and pet rehabilitation. Those are often extremely expensive.

1.4 Charges for alternative measures or procedures during treatment

Alternative treatments, such as homeopathy, acupuncture, and physiotherapy, can be covered through your pet insurance if recommended by your veterinarian.

1.5 Medicine expense

The process of treatment to achieve the maximum effect requires the support of drugs.

You may be surprised by this:

  • When your cat’s foot has a tear, the cost of the vet to sew the wound is much cheaper than the cost for the antiseptic drugs, drugs anti-inflammatory, anti-inflammatory medicine, …
  • Drugs prescribed by a doctor along with supporting products such as vitamins, scabies for cats are fully covered by insurance for cats.

1.6 Cost for dental care

You may be quite surprised to see this item listed separately in the cat insurance coverage list.

Problems with your cat’s teeth are surprisingly costly.

Therefore, you need to pay close attention to the policy of supporting the cost of dental care in cat insurance to avoid having to spend too much money.

Many insurance companies agree to pay for all dental treatments such as broken teeth or periodontal disease.

However, this benefit usually comes with a lot of terms like your cat being scrutinized 12 months before you apply for cat insurance and with that.

The measures recommended by veterinarians were done.

The oral treatment, in this case, must also come from objective factors such as accident or illness, not for cosmetics.

Because of the extremely expensive cost for this extremely expensive service, the terms set out in the contract are also very strict. You must conduct careful checks to ensure the benefits for myself.

1.7 Costs for risks that may occur during pregnancy or childbirth

To be honest, I had no intention of listing this item on the list of things covered by cat insurance.

Why is that?

The expenses paid by insurance companies for this category are often uncommon and to my understanding, only TheMoneyadviceservice – a British multidisciplinary financial company – really cares about this.

So if your cat wants a guarantee of having a baby, you need to understand this policy very well.

2. Payments for the death of your cat

This is one of the interesting points of cat insurance. It shows the comprehensiveness of the contract and shows that your cat will be covered by insurance companies until its deep in the ground.

There is usually a certain age limit imposed if you want a policy to support this in your contract.

Because no insurance company wants to guarantee a cat that is too old or suffering from incurable diseases that can die at any time.

In this case, documents such as a physical exam from veterinary clinics or pet hospitals will be required.

When your cat dies, through the vet’s certification, you will receive an amount equal to or approximately the selling price of the cats you have on the market.

This may not solve many problems, but in many cases, it helps to ease cat sadness.

Keep in mind, however, that your cat’s death, however distressing, must result from illnesses or accidents.

3. Expenses for finding the missing cats

Do you know what is the cost of a cat scan without insurance?

And what is cat loss insurance?

This is also one of the very cool policies that insurance companies create to retain even the most difficult customers.

Cats are an extremely hyperactive animal. The disappearance of a Persian Chinchilla or an American Curl costing several thousand dollars can cause panic for any cat owner even if they are calm.

Understanding this, many insurance companies such as CompareCover are willing to assist customers with the cost of finding cats. Such as printing notices to find missing cats, using sound systems to search.

And the cost for this scan varies depending on the cost of facilities needed.

Not to mention you are going to post on the media. The hard stuff is things that will cost expenses.

You are expected to spend around $100 to $200 when scanning a cat without coverage from insurance.

Besides, many policies will include a small amount to save as a reward for the person who has found to help your cat.

However, it should be noted that these sums will only be activated in the terms of the contract if you provide evidence of loss.

What Doesn’t Cat Insurance Cover?

The financial support is one of the very important reasons that many people look to pet insurance, specifically cat insurance.

But what do you think if one day when you call and ask the insurance company to pay for something related to your cat?

What you get back is just a shake of the head?

Things not covered by insurance for cat play a very important role if you want your contract to work.

However, the fact that we often do not care about that and the consequences are regrets and “wingless” money.

Focus on the following factors and maybe they will help you.

1. Expenses for all things related to beauty (treatment, spa …)

If you carefully put in the previous sections of the article, it is easy to realize that: whether an insurance company has a tradition like Petplan or a strong financial potential like TheMoneyadviceservice.

There is no way they will accept.

Get paid for the expenses incurred when you take your cat to the spa.

Even if such interventions are extremely complex and medical.

Those can be tail docking, dewclaw removal, eyelash removal, ear cropping, spaying or neutering elective gastropexy, and more (including elective or specialty procedures).

The only case where you can expect cat insurance to be useful is that beauty procedure is performed by a licensed veterinarian. And it is involved in the treatment of aftershocks.

2. Expenses for routine health care and preventive care

Routine health care, as well as preventive care help, minimize the occurrence of diseases that can cause cat effects.

Besides, they also reduce the risk of disease that can happen to you and those around you.

Therefore, these two activities are often highly mandatory and are often required by not only veterinarians but also the local government in your place of residence.

Therefore, when you take your cat to a veterinary hospital for immunization periodic physical examinations or similar activities not related to illness or accident, insurance for a cat will not be valid.

3. Expenses for treating or overcoming pre-existing conditions

This is the most often misleading thing between a cat owner and an insurance company representative. It lies in the process of entering into contracts that involve the cat’s rights.

You can understand that pre-existing conditions are inherent conditions. It has occurred since your cat was a baby and in this case medical illnesses or injuries.

In many cat insurance policies, pre-existing conditions when treated at veterinary clinics or pet hospitals are not supported.

One of the common reasons offered by insurance companies is because of its chronic nature, which can be expensive to treat.

4. Liability coverage

Because many restaurants or hotels have a policy of banning pets, liability coverage will not usually appear in cat insurance.

The loss of life or property caused by your cat will not receive support from insurance companies in any way.

Those are the basic costs that will not receive financial support from insurance companies no matter how much the cat insurance package you choose is premium.

In general, they are very diverse and there are differences in policies set by companies.

Therefore, you need to carefully check the contract to avoid unfortunate mistakes that may occur.

Types of cat Insurance and the characteristics of each type

Types of cat Insurance

This is also one of the important factors that you need to consider when deciding to buy your cat insurance.

In general, insurance for cat types has very similar terms and you will need to consider the entitlements if you want to find the maximum financial efficiency supported.

Types of cat insurance among insurance companies are also quite similar.

However, you can rely on the price as well as what they cover to be able to make your own decisions.

Below is a list I have listed and hope it will help you to make the right decision.

1. Lifetime cat insurance

The most permanent of all cat insurance, Lifetime cat insurance has long been the choice of most cat owners.

Put simply, this type of insurance will establish the benefits of your cat from the time you sign the contract until your cat dies.

Lifetime cat insurance also pays most of the expenses incurred in the cat’s life.

It covers the cost of the treatment and treatment at any licensed veterinary facility. Also, it includes the cost of medicine for the cost of supporting your cat’s owner when the cat dies or disappears.

However, it should be noted that, unlike its name, the policies of this type of insurance do not last a lifetime.

This means that you will have to pay the insurance premium every 12 months to ensure the policy of the contract and to bring the maximum benefit for yourself in financial matters.

Along with that, the amount of money you spend to “renew” the terms also varies and depends on the age of the cat.

This is the key point that many cat owners consider when choosing this type of insurance.

As your cat gets older, the amount that the insurance company requires after each timeline increases.

You can also understand the reason for this, right? Old age comes and leads to more diseases.

Many illnesses mean more treatments and visits to veterinary clinics.

And the money that insurance companies will have to spend more each time the terms of the contract are activated. And that is the reason.

For example, the amount of money that you have to spend to maintain lifetime insurance for a cat at the age of 6 or older will increase at the request of TheMoneyadviceservice.

If you still have concerns about the price, the amount of money you have to spend to give your cat the benefits specified in the policy is not cheap at all.

The usual amount will range from $ 4,000 to $ 15,000.

Currently, many insurance companies are having extremely attractive discounts.

Reference: https://www.money.co.uk/pet-insurance/lifetime-pet-insurance.htm

2. Annual cat insurance

The amount of money you spend on maintaining this type of cat insurance will turn over year by year and you can see that this is not too different from the lifetime insurance. It’s cheaper, of course. But being cheaper means that the benefits you and your cat can get will be reduced.

This is evident when the annual cat insurance policies cannot guarantee the comprehensiveness you need.

You will still get financial assistance by paying the fees I listed above.

Many insurance companies do not accept payments for unexpected expenses in the treatment of a cat’s illness or accident.

That’s in the case it is related to pre-existing conditions (even if you have full sufficient papers as well as certificates of licensed physicians).

This will directly affect your budget.

Along with that, when your cat is too old, you cannot apply for annual cat insurance for he/she no matter how much money.

And then, spending money on lifetime insurance is too expensive while other types of insurance will be no different from an “adventure game”.

3. Accident-only cat insurance

This type of cat insurance is also renewed after 12 months but the benefits it gives to your furry friend are disappointing.

This is not a critically critical comment, but simply an experience of my own.

At a very low cost, your cat will only be covered for expenses incurred during the treatment of accidental injuries or illness.

I’m pretty stressed that it’s just one of two.

For example, TheMoneyadviceservice only agrees to covers accidents (such as your cat being hit by a car), but not illnesses.

In contrast, Comparecover will support you as much as covers vet fees for sudden or unexpected injury or illness.

In short, this type of cat insurance only guarantees policies at a basic level.

4. Other types of cat insurance

In general, these three types of insurance cover all the policies that insurance companies have for your cat.

You can choose from other types of insurance such as Time-Limited cat insurance, Maximum Benefit cat insurance…

However, the differences between them are quite small and you must be an “insurer” if you want to find them.

Things to keep in mind when choosing your cat for insurance

Things to keep in mind when choosing your cat for insurance

Normally, when the contract is signed, it will cover everything you need to note.

But the fact is that most cat owners will not be patient enough to read it all because the number of words is too many.

1. The age of the cat

Once you’ve established your cat with lifetime insurance, people rarely pay attention to the age of this little friend.

The same thing happens when you select annual cat insurance.

However, they have a significant impact on the benefits of both you and your cat.

Some insurance companies will only offer insurance policies if your pet is under eight or nine years old – or younger for certain special breeds of cats.

And the solution given in these cases is to buy lifetime insurance for your cat from the time they were small.

This may sound like an unnecessary cost to you, but after my research, I realized that this is the solution to your economic problem.

This type of insurance provides you with more opportunities to address the financial problems of treating chronic illnesses.

2. Pre-existing conditions

As mentioned in the previous section of this article, pre-existing conditions are often on the list of limited support from many insurance companies.

For large companies, they hardly accept payment for fees related to this.

Along with that, when you have established the contract, you must ensure adequate notice to avoid having your cat insurance disabled.

The notice usually must be accompanied by papers and certificates of licensed doctors.

3. Switching policy

This is often posed when you realize the financial disadvantages or disadvantages you and your little friend have to bear.

However, you need to think twice before changing your contract, because the paperwork is often very complicated and takes a while to complete.

Along with that, a fee that works like contract compensation also needs to be paid.

4. Financial assistance amounts that exceed the insurance contract

Before upgrading a policy, make sure you know the maximum amount of cover it will provide towards vets ’fees.

There is a mandatory clause in many cat insurance that when the total amount of payments for financial assistance exceeds the limit. They will be settled at a later date.

This means that when the insurance for your cat is renewed, these fees will be supported.

This needs to be carefully calculated if you don’t want to be financially disadvantaged.

How to maximize the utility of cat insurance?

Let’s say you just renew the insurance for your cat and spend up to $ 6000.

Suddenly your cat disappears and the result after a period of trying hard to find is just a plump zero.

The whole money will leave you forever. To happen such cases will cause a massive cost to you.

Installing a chip for your cat will be the first thing that you need to keep in mind to not lose the benefits.

Using this method, your cat and related information will be managed by insurance companies’ computer systems.

And this will facilitate your search if they get lost.

Along with that, ensuring the schedule of health checks, periodic medical examination and vaccinations will also help you minimize the cost.

This will help your cat get better health and establish a “low risk” idea for insurance companies.

And finally, everything just really goes in the right direction when you carefully research the information related to cat insurance types.

Do not hesitate to change if you feel that these contracts cause unnecessary waste for yourself. Remember, cheap insurance will come with less comprehensive.


There were many problems when you first set your furry friend cat insurance.

My article is compiled from the opinions of experts as well as the official website of many reputable insurance companies.

Use this as a reference to help ensure your cat’s rights. I wish you success and earn a good deal!




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