Cat insurance: what is never covered by insurance?


A mutual health insurance for your cat allows you to protect your companion well and relieve you of some of the veterinary costs. Despite everything, you should know that everything is never 100% taken care of by cat insurance.

This is called the exclusions of the contract, but also the limits of guarantees with a cap on costs. We explain the essentials to you before committing to help you better understand your contract.

Costs related to illness or accident prior to subscription

Your cat, before taking out your insurance contract, may have had an accident or an illness. He may also have had a routine visit to the veterinarian (vaccination, identification, sterilization or verification of his state of health for example).

Everything that took place before the contract was taken out is not guaranteed, as in the case of mutuals for humans. In addition, if your cat has already suffered an accident or developed an illness at a date prior to the subscription, the insurance will not cover any costs.

This is the case, for example, of a cat having been operated on following an accident. If sequelae appear a few months or years later, the insurer will not reimburse because the generating accident is prior to taking out the guarantee.

Veterinary costs during the waiting period

The elimination period is the period of time during which you pay for your cat’s health insurance, without being able to use the guarantees. It is often imposed by the insurer to limit the risk of fraud.

Thus, we can say that your contribution is paid non-stop during the first months of the contract. Please note, the waiting periods vary from one cat insurer to another. Sometimes there is none for the accident, or just a week’s delay, while this period can be a few months for illness, for example.

Your feline may need his insurance quickly, to relieve the wallet of his human, it is important to find a mutual insurance for cat with the shortest possible waiting periods.

The cost cap

Depending on the cat insurance plan you take out, but also on the insurer you choose, your contract will mention a ceiling on costs, that is to say an amount beyond which it will no longer reimburse interventions. veterinarians, drugs, etc.

Most of the time, this cap corresponds to a maximum annual budget, which varies from 1,000 euros to 3,500 euros. Each calendar year or each anniversary date of the contract, we start from zero.

Sometimes, the ceiling is set by guarantee, for example 60 euros maximum for sterilization. The ceiling by guarantee provided for in the contract does not prevent the annual ceiling of costs, the two frequently occurring within the same contract.

Common exclusions from the contract

Each contract has its own exclusions. It is very important to read it before any signature to know what to expect, some insurers being more restrictive than others. Despite the differences between the contracts, certain exclusions are common to all insurers.

Diseases linked to the lack of vaccine

It is your responsibility to have your cat vaccinated and to give the necessary boosters each year. These vaccination costs are often partially or fully covered by the insurance.

Consequently, the insurer excludes from its guarantees the coverage of the following pathologies:

  • Typhus,
  • The cat’s coryza,
  • Feline leukosis,
  • Calcivirosis,
  • Rabies.

Hereditary and congenital diseases

Some cat breeds are prone to hereditary diseases due to their selection. If your cat is purchased from a breeder, they will provide you with tests to prove that your hairball is not affected. As for congenital diseases, they are those following a birth defect.

The costs of screening, but also the costs of treatment and the costs resulting from a hereditary or congenital disease are not covered by the cat insurance.

Illnesses resulting from owner’s negligence

It is not because your feline is well insured that it is not necessary to give him all the necessary care so that he is in good shape. Thus, a cat suffering abuse from its owner will not be compensated if it needs to be taken care of.

This is the case of an mistreated animal which would be struck, it is also the case of a cat suffering from malnutrition for lack of food, or that of a feline living in deplorable hygienic conditions. Note that all these acts, assimilated to cruelty, are punishable by law.

Cosmetic surgery care

Following an accident or an illness, it is possible that your beautiful cat is somewhat damaged. It may also be that it does not meet the standards of the breed and that the owner wants to remedy it by the use of cosmetic surgery.

Despite everything, he can have decent living conditions, and this operation is not intended to restore its functionalities, but purely for aesthetic purposes. Accordingly, this is an exclusion from all cat insurance contracts.