subject: Cat Insurance Protects your Pet and Pocket [print this page] Cat Insurance Protects your Pet and Pocket
Any pet owner will tell you that along with the many joys of owning a pet there can also be a great deal of financial cost if the worst case scenario occurs and your pet is injured in an accident or falls ill. If you own a kitten or young cat then it might be wise to take out cat insurance to help you with the financial worries.
What might be included in pet insurance?
What you get in a cat insurance policy could depend largely on the insurance provider and the level of cover you choose to take. You could take the minimum insurance and pay just a small premium or choose a bumper package that provides you with a great deal financial security. Usually when looking for an insurance policy for your cat you might want to check that the insurance covers the following:
Up to so much of the vets bills.
Financial help towards advertising costs if your cat is stolen or lost.
Help towards legal costs that could arise if your cat injures someone or does damage to the property of a third party.
Money towards cattery fees if you become ill or have an accident and have to stay in the hospital.
The above are just the basics that could cause you worry and financial stress if they were to occur. Take into account that vets bills can soon add up if your cat has to undergo tests, surgery, treatments and have medication. You might be glad that you have an insurance policy to fall back onto if the worst happens. Legal costs are another thing that could mount up very quickly. For instance if a driver swerves to avoid your cat and damaged his car you could have to pay the costs for repairs if you are proved to be in ownership of the cat.
Checking out insurance for your furry friend online
The internet is one of the best places to find cat insurance for your furry friend. You can compare the cost of the insurance policy with many of the UK insurance providers who specialise in this type of insurance. Another benefit to shopping online for insurance is that you are given access to the policies documentation. This is called the small print of the insurance policy and tells you what is excluded from the insurance. For instance even though you might be able to claim for vet's fees, there are certain things that would be exempt from the insurance policy. For instance you might not be able to claim for a pre-existing medical condition or for any treatment that could arise from your pet giving birth or during their pregnancy. You need to know how much excess you have to pay on the insurance policy in the event of having to make a claim. This sum of money could differ between providers and usually the lower the excess the higher the premiums for insurance. Bear in mind that you have to find this sum of money if a claim is made before the insurance provider will pay the rest of the claim.
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