To avoid unpleasant surprises when you take your cat to the vet, you can choose to take out mutual insurance for pets.
The principle is simple. You pay a monthly fee and your cat’s veterinary costs will be covered, in whole or in part. You are free to choose the formula that best suits your needs. To make the right choice, follow the guide!
Why insure your cat?
Like you, your cat needs to be cared for in the event of illness or accident. These costs are in addition to those dedicated to his food and to the annual consultations to recall vaccines, dewormers, antiparasitics, etc. Some people do not anticipate these charges and are sometimes embarrassed by exorbitant bills. They sometimes wonder about the need to consult the veterinarian in the event of a problem, a decision which can have disastrous consequences on the health of their animal or which can lead some owners to prematurely euthanize a regularly ill cat. This finding is sad.
To have peace of mind, you have the option of purchasing pet health insurance. By paying a small monthly sum, you benefit from more or less coverage of veterinary costs related to the various care and treatment of your cat and / or surgical operations that it may have to undergo.
This practice, very common in Great Britain and the Nordic countries, is not widespread in France. However, it allows you to offer your little companion better health monitoring. You can therefore provide the necessary care without worry, without fear of impacting your budget. In addition, you are free to subscribe to the plan that suits you, adapted to your cat’s needs and your financial means.
Cat insurance, advantages and disadvantages
Taking out insurance for your cat has several advantages:
- You provide your animal with better medical monitoring, both in preventive and curative terms.
- You will no longer hesitate to consult the veterinarian in case of doubt.
- You offer your cat a better quality of care, no longer being limited by financial brakes.
However, there are a few drawbacks to pet insurance that you should be aware of:
- If you avoid large unexpected expenses, you still have to pay a monthly contribution, even in the absence of care. Although low (between 7 and 60 euros depending on conditions), it can slow down some households with modest incomes.
- Some providers offer you low prices, but they hide some big costs in the smaller lines. These practices are frightening and are not always honest. Make quotes, favor recognized insurers and do not shy away from contracts that sometimes seem expensive, it all depends on what they offer.
How to choose the right health insurance for your cat? Vigilant point
Compare plans and get free quotes online, this will help you find the plan that best suits your cat’s needs and your budget. To help you find the ideal provider, here are some tips.
- Prefer complete formulas. They are more interesting than those which only cover accidents or acts of surgery. You will thus avoid the risk that the insurer is reluctant to reimburse you for certain costs under false pretenses.
- Evaluate the real needs. An economical formula is inexpensive, but it will only reimburse large claims. An intermediate formula also covers the costs related to benign illnesses. Finally, a premium formula takes care of everything, including prevention costs related to vaccines, annual reviews and pest control products.
- Compare reimbursement rates. Depending on the formula chosen, they can vary from 50 to 100%. The price of the monthly contribution will obviously be higher if the rate is high. Also pay attention to the amount of the deductible, which can vary from 0 to 200 euros and be applied per act of care or per year. The deductible remains your responsibility.
- Some providers apply a maximum reimbursement amount for the year, which may vary depending on the formula. Beyond that, the veterinary expenses incurred will remain your responsibility.
- Evaluate your pet’s coverage times. A waiting period may be applied, establishing a period during which he will not be protected between the signing of the contract and the start of effective care. This period allows the professional to ensure that your animal is in good health and that it does not suffer from chronic disorders. Likewise, some companies refuse to insure your pet beyond a certain age. Others sharply increase the prices for cats considered to be senior. Inform yourself well!
- Check the list of procedures that may not be covered, such as hereditary diseases or congenital ailments, disorders that could have been prevented by a vaccination, or even certain surgical procedures.
- Is the professional recommended by your veterinarian? Does he adhere to the charter of the Order of Veterinarians? Find out well, a serious provider is unlikely to cause you unpleasant surprises.
- Will your cat be insured if you travel abroad with him? This option can have many advantages. Have it confirmed in writing.
Compare prices for equivalent formulas; they can vary from simple to double from one insurer to another. Make sure that a cheaper plan will give you the same benefits. Read the small lines, even if it takes time. Finally, make sure that the prices do not increase over the years.
How does cat insurance work?
The process is simple. During a consultation with the veterinarian, bring a care sheet provided by your insurer and have it filled out by the doctor or his assistant.
Pay your consultation and care costs as normal, then send the care sheet to your insurer. Attach the invoice issued by the veterinarian including the details of the service and any prescription.
You will receive the total or partial reimbursement of your invoice by means of a bank transfer, within the deadlines established with the insurer when signing the contract.
This reimbursement may vary depending on:
- the total amount of the invoice;
- the nature of the procedures and care covered by your contract;
- the reimbursement rate;
- the possible deductible;
- the age of your pet.
What cost should you expect to insure your cat? The rates !
To insure your cat, count between 7 and 20 euros per month for a basic plan. On the other hand, the cost of premium insurance can be between 30 and 60 euros per month.
It all depends on the formula chosen and the possible options you will add to it, such as vaccination, sterilization, identification, drugs, dewormers and antiparasitic treatments, etc.