Veterinary insurance for a cat

Is cat health insurance compulsory?

No, it is not obligatory to insure a cat. L'civil liability insurance for dogs is mandatory for attack and defense dogs only, other pets (dogs, cats, ferrets, dwarf rabbits and other NAC) are not necessarily covered. Note, however, that your home insurance may include civil liability coverage which will allow you to compensate a third party if your cat is responsible for bodily injury or property damage (for example, if you keep your cat in someone's home and it damages property).

If theanimal health insurance it's not mandatory, it remains recommended, particularly in the event of heavy expenses (hospitalization, surgical costs, sterilization, etc.). Veterinarian fees are reimbursed by the insurance company in order to reduce your out-of-pocket costs.

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What guarantees for cat health insurance

There purchasing pet insurance (whether it is your dog or your cat) allows you toobtain reimbursement for health costs within a fairly broad framework depending on the guarantee formula subscribed. You can therefore hope for a covering the following costs :

• Consultations;
• Alternative medicine ;
• Examinations (blood test, x-ray, scanners, ultrasound, etc.);
• Surgery ;
• Hospitalization ;
• Drugs ;
• Physiotherapy ;
• Physiotherapy;
• Vaccination ;
• Sterilization;
• Flea and tick control;
• Dewormer;
• Checkup ;
• Descaling;
• Food supplements ;
• Hygiene products ;
• Phytotherapy;
• Homeopathy.

The exact nature of the guarantees for your pet will vary significantly depending on the insurers (Bulle Bleue, SantéVet, etc.).

Points to watch out for when choosing animal insurance for your cat

Before subscribing to a health insurance for your catwe advise you to take the time to reflect to ensure that you choose an animal mutual insurance company capable of offering you the best reimbursements. Surgical intervention, current medical costs, the points to study are as follows:

• The level of support : not all dog and cat insurance contracts are equal. By studying the offers from insurance companies, you will, in fact, discover that in the event of illness, your cat is not always covered in the same way. Some insurance plans reimburse you up to 60% of your healthcare costs, others up to 100%. Find the right compromise between the price of cat insurance and the planned coverage;
• The annual deductible : this is the amount that remains your responsibility after reimbursement of health costs. Veterinary insurance can withdraw this amount from the first intervention, you will then be reimbursed in full as soon as your excess is paid;
• The annual ceiling : even if you choose the offer allowing 100% coverage of veterinary care, be aware that your health expenses may be reduced by the annual ceiling of your pet insurance contract. This ceiling varies depending on the insurance formula chosen;
• The level of prevention package : microchip, vaccines, castration, deworming, the prevention package allows you to cover certain less onerous expenses, but just as essential for your cat. Please note that the costs incurred are not fully reimbursed, the prevention package is capped, its amount varies, again, depending on the formula chosen;
• The waiting period : health insurance often imposes a waiting period, i.e. a period during which you pay your contribution without benefiting from all your guarantees. Waiting periods can thus be imposed for the accident, illness or hospitalization; this period is more or less long depending on the insurers and the health expenditure.

The price of dog and cat health insurance

The amount of the contribution varies depending on different elements which allow the insurance company to determine the level of risk:

• The age of the cat;
• The breed of the cat;
• The sex of your cat;
• Medical history;
• Coverage of veterinary costs (deductibles, ceilings, etc.);
• The reimbursement rate;
• The insurer.

Compare to find the best cat health insurance at the best price

An insurance comparator allows you to find the best insurance at the best price. Fill out a form, it will only take you a minute. Then, discover the offers from different insurance companies to be sure to take out the most relevant cat insurance according to your needs and the breed of your cat, some being more fragile than others.

Compare offers and prices then take out your contract online or by phone with an advisor. This subscription can be done upon adoption or a little later by simply respecting the maximum age imposed by the insurers. If you already had a cat veterinary insurancetermination is possible on the anniversary date of the contract, send a registered letter with acknowledgment of receipt to terminate.

It's simple, the veterinarian will give you a care sheet or an invoice that you must send to your insurer. He will reimburse you by bank transfer as soon as possible, do not hesitate, before subscribing, to find out about the repayment deadlines.