Home Cat Insurance

Getting cat insurance

A cat is often a beloved family member and a friend for life. Although cats are very independent, they sometimes need medical care, such as routine checkups, vaccinations or treatment for illness or injuries. You insure these costs with cat insurance.

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All about cat insurance

With cat insurance, you can avoid unexpected high costs. For example, for expensive procedures such as surgery, medication or specialized care. Depending on the chosen coverage, medical expenses are covered in full or in part. For about € 10 per month you can insure your cat and decide how extensive the coverage is. Insurance offers peace of mind, so you can be sure that you can always give your cat the best care.

Benefits of cat insurance

Well insured against high costs

Can you pay for your cat's treatment

Never choose between your cat or wallet again

For just a few euros a month

What cat insurances are there?

Cat insurance consists of the basic package and you can decide whether you want to take out additional insurance. For example, you can insure physical therapy, behavioral therapy, radiotherapy and dental costs. You choose how much you want to be reimbursed and what your deductible is.

Sometimes you can also co-insure your pet's spaying or neutering and sometimes even the necessary vaccinations. Travel coverage or cremation coverage is also an option. So you can put your pet insurance together exactly the way you want.

What does cat insurance cost?

What cat insurance costs depends on your cat. An insurer looks at the following factors when calculating the premium:

Your cat's breed or crossbreed
The weight of the your cat
The age of your cat
Do you go for the basic coverage or do you also choose additional coverages

If your cat is heavier, there is a higher risk of health problems. The age of your cat is also important. The older an animal gets, the higher the risk of disorders. Many insurers therefore recalculate the premium every year, this is also called an aging surcharge. This means that the premium increases every year.

To insure or not to insure cats

Why did

Having cat insurance can make you feel safe. This is the main reason for many people to buy cat insurance. You decide which risks you cover, how extensively you are insured and how much premium you pay per month. With cat insurance you pay a fixed amount per month and you can be sure that you will be reimbursed for unexpected medical expenses.

Why not

Most insurers have a maximum age limit when insuring a cat. You often cannot insure a cat older than 11 years. Moreover, age is also taken into account when calculating the premium. The older the cat, the higher the premium. This is because the risk of disease and accidents increases as your cat gets older.

Learn more about whether or not to insure your cat.

What is the cheapest cat insurance?

The amount of the premium is an important factor for many people when choosing insurance. Affordable cat insurance is attractive, especially since having a cat already costs enough. However, it is smart to also look carefully at the insurance coverage.

In addition, consider your financial situation. Do you have a buffer to absorb unexpected expenses? Then less comprehensive insurance or a lower deductible may be sufficient. Do you not have that? Then it may be wise to consider more comprehensive coverage. This way you can determine what best suits you, your cat and your wallet.

What is the best cat insurance?

Every owner naturally wants the best cat insurance for his or her beloved four-legged friend. What is the best cat insurance varies from person to person. It depends on your cat and on your personal situation. We recommend taking out insurance when your cat is still young, because pet insurance can only be taken out up to a certain age.

Furthermore, of course, you know your cat best. Maybe you like to insure dental expenses as well, because your cat does not have its teeth cleaned easily. You decide which additional coverages best suit your personal needs. This way you can put together the best cat insurance.

Getting the best cat insurance in 3 steps

Enter some information about your cat

The first step is to fill out some information about your cat, such as breed or crossbreed, weight and age. These factors also affect the amount of the premium. For example, the risk of health issues is higher if your cat is on the heavy side.

Choose the desired coverage

A cat insurance policy consists of basic coverage and possibly additional coverage. What is covered with the basic coverage differs per insurance policy. You then choose which additional coverages you take out. For example, you can include physical therapy, behavioral therapy, radiotherapy and dental costs in your insurance.

With some insurers, you can also co-insure your cat's spaying or neutering and sometimes even the necessary vaccinations.

Close your cat insurance policy

Do keep in mind the 30-day waiting period used by most insurers. This means that the insurance does not take effect until 30 days after the policy is taken out. During the waiting period, the insurer will not reimburse medical expenses incurred before or during the waiting period.

Frequently asked questions about cat insurance

Which cat breeds can I insure?

In principle, you can insure all cat breeds. However, there are some breeds that are not healthy (anymore). Some insurers charge a higher premium for insuring those breeds because there are more risks involved.

Certain conditions may also be excluded from coverage when insuring a particular breed of cat. You can find this in the policy conditions.

Up to what age can I insure my cat?

You can purchase cat insurance for cats up to 11 years of age. When buying or renewing insurance, the age of the animal is taken into account.

The older the animal, the higher the insurance premium as the risk of diseases and accidents increases.

Can I extend the cover in the meantime?

Yes, you can switch to a more comprehensive package. You can do this on the annual premium due date (the policy anniversary).

Why take out cat insurance?

Cat insurance is not mandatory, of course, but it can save you a lot of worry and financial stress if your cat gets sick. With cat insurance, you can be sure that you will be able to pay for medical expenses.

How can I cancel my insurance?

You can terminate your insurance with one month's notice. This is possible monthly once your policy has reached the one-year term or in special cases, such as when your pet has died.

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"Comparing insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your insurance every year."