subject: What You Need to Know About Cat Insurance [print this page] What You Need to Know About Cat Insurance
If you have a cat as a pet then you are among millions of other owners around the UK. You are also among the many cat owners that have to pay out for cat insurance and who often struggle when it comes to finding insurance providers with who to compare insurance.
One of the best ways to make your search for cat insurance is online with providers in the UK offering competitive premiums. There are comparison websites that offer you one of the easiest ways to take out insurance for your cat and you only have to fill in your information once. You can see the cost of insurance, what the policy offers, how much you have to pay in excess and what the limitations could be on the policy. All of these things are essential when you are choosing a policy.
The excess
The amount of excess that you have to pay could be different with each provider. The excess is the amount you must put towards the policy if a claim has to be made. Therefore is a policy seems to be very cheap it might be due to the fact that the provider is asking for a lot of excess. Of course if you never have to claim on the insurance this works in your favour, however if you need to make more than one claim you could lose the money you have saved in premiums.
Limits on your insurance policy
The limitation is the total amount that the insurance provider would payout if you need to make a claim on the insurance. For instance if you take out cat insurance and it covers your vets fees it would only payout up to a maximum sum of money per year. If you have to go to the vets after you have claimed the maximum sum you would have to pay out of your own pocket.
The exclusions
A cat insurance policy will not protect against everything. There will be something's that you are unable to claim for. For instance if your cat suffers from arthritis before you take out the insurance policy, you would not be able to claim vets fees if the vet treated your cat for this problem. Problems and treatment related to pregnancy or giving birth are usually excluded from the insurance policy too. Checking what your pet is covered for and is not can save you many problems much later if you need to make a claim. Also bear in mind that there will be an age limit on your pet. The provider will set a certain age limit and insurance cannot be taken out. Also consider the fact that insurance for an older animal works out dearer than if you take out insurance while the cat is just a kitten.
Cat insurance could save you a great deal of money if you take out a policy that covers your cat's medical bills. The policy would also supply money towards a reward and advertising costs if your cat is stolen and typically covers so much of the costs if your pet has to stay in a cattery due to you having to stay in hospital.
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