The sphynx cat is unusual to say the least. Hairless, it still appeals to some cat lovers. Have you decided to share your daily life with a sphynx cat? Remember that this is a cat that is not protected by hair and that it remains more sensitive to certain diseases. Taking out insurance for your sphynx cat is essential.
Characteristics of the sphynx cat
The Sphynx cat is a pet that is unlike other cats. Its difference is obvious: he has no hair, or almost, since its skin is actually covered in fine, barely visible down. He also has big ears. Originally from Canada, this cat is sociable, playful and very affectionate. As an adult, he can weigh 3 to 5 kg and measure approximately 30 cm.
Reasons to take out cat insurance
Like mutual insurance for humans, mutual insurance for pets should be considered if you have adopted a sphynx cat. Veterinarian fees can be expensivedon't take the risk of forgoing medical care for your pet.
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Moreover, the most common costs are those that can be anticipated. For the most expensive veterinary care, you don't always have time to organize yourself financially. This is the case if your sphynx cat suffers from a serious illness or if he is the victim of an accident. Surgical costs are expensiveanimal insurance allows you to relieve yourself financially with reimbursement of veterinary costs.
With a life expectancy between 8 and 14 years, the sphynx cat is fragile, notably because of its physical particularity. The fine down present on its skin is not enough to protect it, it is necessary to apply sunscreen when he goes out. The sphynx cat is like this very sensitive to skin diseases and sunburn. he is also likely to suffer from hypertrophic cardiomyopathy.
It is advisable to vaccinate against diseases such as rabies, typhus, leukosis and coryza.
What guarantees for health coverage for your sphynx cat?
The guarantees of pet insurance companies are very varies from one insurer to another. Everyone is free to set guarantee levels. Here is a list insurance contract guarantees for cats that could be offered to you:
- consultations by a general practitioner or specialist ;
- emergency care ;
- exams : x-ray, ultrasound, MRI, scanner, laboratory tests;
- surgery ;
- vaccination ;
- sterilization or castration ;
- anti-flea and anti-tick ;
- wormable ;
- descaling ;
- screening ;
- food supplements ;
- herbal medicine ;
- homeopathyetc.
How much does health insurance cost for a sphynx cat?
The amount of the insurance contribution for your pet is extremely variable. Firstly, he will move from one insurance company to another, each being able to set their prices freely. Afterwards, the amount of the premium is impacted by the level of riskthe insurer will take the following elements into account:
- the age of your sphynx cat ;
- his lifestyle (interior or exterior);
- his sex ;
- his medical history.
We have created for you a simulation for an 18 month old male sphynx cat. This will give you a first idea of the price of cat insurance, although this will need to be refined depending on the guarantees you want for your pet.
| Insurer | Reimbursement in the event of illness or accident | Annual ceiling | Annual franchise | Monthly price |
|---|---|---|---|---|
| Blue Bubble | 80% | €1,000 | €150 | €11.49 |
| Dalma | 80% | €1,500 | €0 | €15.99 |
| Insurance crossroads | 80% | €2,000 | 20% with €20 minimum per act | €17.61 |
| SelfAssurance | 85% | €1,500 | €0 | €21.17 |
| HealthVet | 80% | €1,800 | €30 | €28.97 |
| Animal Health | 75% | €1,500 | €0 | €29.82 |
| Assur O'Poil | 80% | €1,300 | 15 € minimum | €36.55 |
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Prices at 1er March 2022
To obtain a more precise quoteyou have to take into consideration a number of elements that will impact your coverage and its price :
- the level of guarantees : as with any insurance, the stronger your coverage, the higher reimbursements you will obtain for your sphynx cat's health expenses. Compare the levels of coverage (from 60 to 100%) and the packages offered for certain health expenses, particularly for prevention;
- the annual compensation ceiling : each insurance company sets a compensation ceiling. Make sure that this is not too low in order to obtain support adapted to your needs;
- the amount of the deductible : this is the amount that remains your responsibility after reimbursement of the care. Some insurers do not apply it, others impose a percentage, while still others set an annual fee;
- the waiting period : this is the period during which you contribute without benefiting from your guarantees. Let's take a simple example. With SantéVet, the waiting period is 48 hours for an accident, 45 days for an illness and 6 months for surgery following an illness. If your sphynx cat is sick after a month, your cat insurance guarantees do not apply.
Compare to find cheaper animal health insurance
Our animal health insurance comparator allows you to find the best health coverage for your sphynx cat. Complete a form to allow us to find out more about your pet and your needs, this will allow you to obtain rates from different insurers. Then, compare the guarantees and prices to find, with equivalent guarantees, the cheapest formula. In this way, you preserve your monthly budget while ensuring that you benefit from good care in the event of health expenses for your sphynx cat.
