4 reasons to insure or not to insure your cat

#1 It makes you feel safe

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.

#2 You never have to choose between your wallet and your cat

As a cat owner, of course, you never want to have to choose between your cat and your wallet. Unfortunately, in practice, you sometimes have to. Medical costs can be quite high, especially if your cat needs surgery or expensive medications. If you don't have the possibility to have a piggy bank for this, it's nice to be well insured.

#3 You have a say in the amount of the premium

You can get cat insurance from as little as €7 per month, depending on the insurer and the coverage. This is because you have a say in the cost of cat insurance. Most insurers have a basic coverage that you can supplement with extra coverage, such as dental, physiotherapy, radiotherapy, cremation or travel coverage. So you partially determine what you pay in monthly premiums.

#4 Your cat is still young

Purchasing cat insurance is cheapest when your cat is still young. Therefore, it is wise to take out cat insurance when the cat is still a kitten. You then pay a lower premium and often you can include the first vaccinations and an identification chip in the insurance.

Reasons not to insure your cat

Of course, there are also reasons not to insure your cat:

#1 Your cat is already at an advanced age

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.

#2 You have a piggy bank to cover any expenses

The main reason for purchasing cat insurance is to have a financial safety net. This is because with cat insurance you cover unexpected high medical expenses. If you have enough financial resources of your own to deal with an unexpected bill, you may not need cat insurance. Perhaps you have your own savings in reserve for such expenses.

#3 Your cat is already sick

Unfortunately, there is no point in getting cat insurance if your cat is already sick at this time. This is because many insurers have a 30-day waiting period. This means that the insurance doesn't take effect until 30 days after you take out the policy. During the waiting period, the insurer will not reimburse any medical expenses incurred before or during the waiting period.

#4 You prefer not to have a fixed monthly cost

You may prefer not to have additional fixed monthly costs. If you set aside your own money to pay any bills should your cat become ill or injured, you may also decide not to purchase cat insurance. This is also beneficial if the cat indeed needs little or no medical care. Of course, you cannot know this in advance, because a cat can get sick at any time. Still, it's nice if this is indeed not the case.

Take out cat insurance directly through Alpina

Have you decided that cat insurance is the right choice for you and your cat? Then you can directly calculate the premium at Alpina.nl . To do this, enter some personal data and details about your cat in our online comparison tool. Based on this we can give you an overview of all providers with a suitable cat insurance. Do you have any questions about cat insurance? Then please contact us!