French cat owners are still numerous to ignore the usefulness of animal insurance and hesitate to take out a health contract to cover their little companion. However, it is the only solution to take care of your cat throughout its life, at a lower cost. Indeed, animal mutuals reimburse at least part of the health expenses, and this in a not insignificant way if care has been taken to choose the right formula. Let’s see a little more about the usefulness of insurance companies for cats.
Cat health mutual fund: how to get the best possible reimbursement?
A animal insurance works in the same way as a complementary health for humans. The principle is to take out a contract, pay your contribution on time, and send the insurer the supporting documents to obtain reimbursement for veterinary procedures, ambulance transport, or even accessories and specific products as part of the package. Prevention for example.
To be reimbursed as best as possible, the owner of the animal must choose a complete formula Sometimes called a top-of-the-range formula which covers care related to the accident, illness, as well as hospitalization, medication or examinations allowing the healthcare professional to diagnose a pathology. Typically, pet insurers offer three levels of coverage : the basic formula and the medium range formula that can be supplemented by a Prevention package as well as optimal formula which includes prevention, and in some cases an assistance service.
To choose the solution that best meets the needs of the cat and suits the budget of his master, the latter has every interest in using a comparator of mutual health insurance for animals in order to receive in a few clicks various offers allowing him to make his choice quietly.
Cat health insurance: you can hardly do without it
The usefulness of animal mutuals is very real because in France, veterinary rates are freely applied. They can therefore, from one region to another and depending on the practitioner, go from single to double. It should also be noted that throughout its life, a cat is not immune to an accident or illness, which can in fine represent astronomical sums if he has to undergo a complex surgery or if his condition requires chemotherapy for example.
The level of support and therefore the refund amount depend on the chosen contract. Depending on the formula, a mutual organization reimburses between 60 and 100%, within the limit of an annual reimbursement ceiling of € 600 to € 2,000 (or even more), depending on the contract. As to Prevention package which at least partially supports identification, vaccination, sterilization, therapeutic feeding, deworming and others, its amount is between 20 and 100 € depending on the company.
To understand the usefulness of a mutual health insurance for cats, it suffices to take an interest in prices generally observed on the national territory for veterinary acts here are some examples.
- Consultation: 40 €
- Consultation with a behaviorist veterinarian: between 60 and 80 €
- Ovario-hysterectomy (female): 370 €
- Castration (male): 120 €
- Survey for Feline Urinary Syndrome (SUF): 140 €
- PCR report (Polymerase Chain Reaction): 110 €
- Respiratory assessment: 140 €
- Ultrasound: 130 €
- Chemotherapy: 300 € per session
- Entropion: 380 €
- Mastectomy (pussy): between 450 and 500 €
- Urethrostomy: 300 to 650 €
- Euthanasia: between 50 and 80 €
- Incineration: 150 €
This list is not exhaustive.
How much does cat health insurance cost?
The contributions are related to the scope of the guarantees and the level of reimbursement. For a cat, a basic contract usually costs less than 10 € / month while top-of-the-range coverage entails a monthly contribution of around 80 € (i.e. € 960 per year). But in the first case, we are reimbursed much less than in the second case.
The owner of the animal must therefore take this factor into account before signing a contract and especially not to jump on the first offer. Hence the interest in using a comparator allowing to put animal insurers in competition. And to navigate financially, it is better to choose cat insurance without deductible and without waiting period.
It should still be taken into account that the more a cat is exposed to risks, the more it is in his interest to be well covered. This is the case of purebred cats which frequently participate in shows or competitions. Itou for cats, even alley cats, used to going out freely day and night because they are much more exposed to the risk of contaminations of all kinds, of fights between congeners andaccidents than the kitties who stay at home 24/24 and 7/7. But the latter may also need care because they are not immune to becoming seriously poisoned with houseplants or developing a very serious disease such as cancer for example.
Finally, let’s not kid ourselves, many companies refuse contract applications for older cats because they are more exposed to diseases than others, or they agree to cover them but the contribution is higher. That is why it is strongly recommended toinsure your cat as soon as possible, namely from the age of 2 or 3 months, especially since the kitten loves to discover its environment. It is therefore not immune to an accident.