Purebred cat insurance: what mutual insurance coverage?


By adopting a purebred cat, you choose to pay a high price for your pet so that it has the characteristics that you are looking for. These can relate to physical criteria or character for example.

Lovers of a breed will find it difficult to do without their favorite pet, even if it is not in excellent health. In any case, it is important to ensure the health of your companion, just as you ensure the health of your family …

Purebred cats are not all equal when it comes to health

Your preference can quickly shift to one breed over another. But you better know that not all cats are created equal. Some, for example, are not prone to hereditary diseases, while others are at risk of developing more of them.

Why ? Very often, it is by dint of crosses made to affirm a characteristic that the genetic heritage is reduced and that health problems appear. We give a quick overview of purebred cats, from the most robust to the most fragile …

The hardiest cat breeds

Among the purebred cats exhibiting excellent health in general and requiring few veterinary consultations, we can mention the top 5 among the best known:

Please note, this list is not exhaustive and does not protect the owner from medical complications. It simply directs it towards the most robust breed cats.

Healthy cat breeds

Despite special characteristics, which distinguish them from many cats both by their coat and their physiognomy, some atypical purebred cats present a satisfactory state of health. We can cite the following 10 breeds among the most adopted:

  • Abyssinian
  • Balinese
  • Burmese
  • Bombay
  • The Burmese
  • The Exotic Shorthair
  • The Scottish Fold
  • Siamese
  • The Sphynx
  • The Munchkin

Note that the Maine Coon, much appreciated by the French, should be part of this top 10. Unfortunately, it is more and more subject to hereditary pathologies due, among other things, to consanguinity.

The most fragile cat breeds

Finally, some of our favorite hairballs exhibit fragile health. By adopting this companion, you know that you will have to consult the veterinarian more than with other cat breeds.

Among them, the indestructible Persian, much appreciated for its regal allure, all varieties combined (Chinchilla, Himalayan, etc.), but also the Egyptian Mau, the Scottish Fold, the Cornish Rex and the Devon Rex.

Do not hesitate to learn as much as possible about the breed of cat you want and about its health, to adopt good food and veterinary habits as soon as possible. The general parameters related to your cat’s health allow you to adjust their health insurance accordingly …

The interest of a mutual for its purebred cat

First of all, the adoption of a purebred cat, such as a so-called alley cat always requires veterinary consultations. At a young age, we will ensure the kitten’s good physical shape, and we will have essential costs such as the microchip, the first doses of vaccine and sterilization. Count between 300 and 500 euros of essential care when acquiring your cat, depending on the regions and veterinarians.

Then each year, it will be necessary to see your veterinarian for a routine check-up, dewormers, parasites (fleas, worms) and vaccine reminders. Here, you will generally have between 150 and 300 euros per year on average, between consultations and essential treatments.

When your cat is older, from around 8 years old, more in-depth medical monitoring will often be necessary, to help him age well and keep in shape for as long as possible.

Whether your cat develops an illness or has an accident, an unscheduled vet consultation can happen quickly. If it’s a night or weekend emergency, the rates easily double. If your cat needs x-rays, ultrasounds or take medication regularly, your veterinary budget will quickly skyrocket, and we will go from 200 euros to 800 euros per year.

In these circumstances, it is easy to understand that mutual animal health is experiencing a real boom, like our European neighbors in Sweden or the United Kingdom for example.

Cat health insurance plans

When you subscribe to a mutual health insurance for your kitten or your purebred cat, you generally have the choice between three formulas, which may vary in their name depending on the insurer. Checking that the one chosen covers the characteristics related to your cat’s breed is an excellent instinct to pay the right price for your future veterinary expenses.

Here are the formulas most often offered by animal insurance companies:

  • Essential, basic or economical formula (around 10 euros per month): partial coverage of veterinary costs only in the event of an accident, including hospitalization, analyzes and examinations as well as surgical procedures
  • Intermediate, comfort or medium formula (about 20 euros per month): coverage ranging from 60 to 80% in the event of illness or accident, including the essential formula and often medication
  • Zen, optimal or premium formula (around 30 euros per month): excellent coverage ranging from 80 to 100% of the expenses incurred, all veterinary treatments combined, within the limits defined in the contract

To these formulas can be added options, such as the prevention package (sterilization, deworming, therapeutic feeding, etc.) or the management of the death of your cat (euthanasia, burial, etc.).

Warning: remember to take out health insurance for your purebred cat as soon as possible, in order to avoid refusals from the insurer or additional premiums and to protect your companion throughout his life.

Compare purebred cat insurance

If a cat like the Carthusian monastery can be satisfied with a basic formula for satisfactory coverage, even if it means setting aside a little every year for its health in the event of a major problem, this is not the case for a cat. Persian who will need a premium formula.

To effectively compare the different contracts according to the breed of your cat, be aware of its specific needs on the one hand, and know how to thwart insurance traps on the other hand. Low, attractive fares packed with exclusions are rarely a long-term economical choice.

Pay attention to the following criteria to take out health insurance for your cat at the best value for money:

  • The subscription age limit
  • Exclusions from the contract
  • Waiting periods (time during which your cat does not benefit from the guarantees despite the payment of contributions)
  • Deductibles (sums remaining at your expense in all cases)
  • Limits (amounts beyond which the insurer stops reimbursements)

To choose well, it is essential to compare well. With an online health insurance simulator for purebred cats, you receive free and without obligation proposals for animal health insurance adapted to the health of your feline.

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