What Is Covered and Not Covered Under Cat Insurance?

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A kitten in a red heart

What is Pet Insurance?

Pet insurance is the way towards covering multiple costs from veterinary treatment costs to if your pet is harmed, injured or killed or perhaps stolen. It effectively helps you cover the aforementioned costs in case of your pet – cat, gets injured or falls ill. Cat insurance providers are responsible to pay out if your pet is lost, dies, injured or stolen.

Cat Insurance

What Are the Major Types of Cat Insurance?

If you have a feline and you want to get it insured, then know that there are three basic types of cat insurance mentioned below:

  • Lifetime cover cat insurance – the most common type in which insurance provider payout for the lifetime of your cat.
  • Non-life time cat insurance – it is for a certain time period
  • Accident insurance – payout only if your cat gets injured by accident.

What Does Pet Insurance Cover?

Cat insurance covers multiple factors to help cats’ owners financially. Most of the c cat insurance policies cover the following:

1. Illness or Death by Accident

You are provided with an option if your cat dies by an accident or falls in illness you can get back the cost of what it could sell for or what you have paid for it. However, most of the time many cat insurance policies have an age limit that is limited to typically from eight to eleven years for a feline. After this certain limited time period the insurance will not payout, or you perhaps have to make a small contribution to the cost.

2. Missing Cat Cover

If your feline goes missing you can get help from your cat’s insurance provider. Cats insurance providers often help cats’ owners in case if the feline is missing.

3. Overseas Travel Cover

If your feline is ill, feeling not well or get an injury and you want to get it abroad, then don’t fret as many of the cat’s insurance policies cover overseas travel costs of cats for veterinary treatment purposes.

4. Third-Party Liability

If you have a feline, your cat insurance policy should pay out the costs if your cat damages someone’s property or get them injured. This also covers all the legal costs, expenses as well as the claimant’s expenses.

5. Euthanasia, Burial and Cremation

Your cat insurance policy might also cover the certain costs of your pet being put to sleep or cremation of burial etc…

6. Dental Cover

Your cat insurance policy may cover the cost if your feline needs dental work. However, dental cover typically covers only accidents but some pet insurance providers might also get you cover the dental illness costs as well.

7. Cattery and Kennel Fees

If you live alone and are hospitalized for any of the reasons and have no one to take care of your feline, then you have the opportunity to get help from your cat insurance provider. As they usually payout for your feline to be put in a kennel or a cattery. However, keep in mind that you usually have to be hospitalized for at least 2 to 4 consecutive days.

What Cat Insurance Policy Don’t Cover?

Illustration of insurance claim denied

If you think that you have found the right and best pet insurance for your cat, we suggest you to evaluate once again as there may be some factors that are not covered in the policy.

Below is the list:

1. Pre-Existing Injury or Illness

Unfortunately, cat insurance policy doesn’t usually cover the pre-existing illness or injuries. A pre-existing medical condition is the one which has been already existing prior to you taking out your feline for insurance. This is categorized into two categories mentioned below:

  • Historic conditions – these are injuries or illnesses that your feline no longer suffers from such as illnesses, viruses or health tissue injuries.
  • Chronic conditions – these typically are ongoing and existing medical conditions your feline has at the time you took out your cat insurance policy such as hip dysplasia or heart conditions.

Usually, many of the cat insurance providers opt to exclude such pre-existing conditions from any new cover, however, in some certain cases these might also be covered if your feline has not required any serious treatment for such pre-existing medical conditions for a limited time period – usually 2 years.

2. Pregnancy and Giving Birth

Pet insurance providers usually exclude any of the expenses that may occur due to reasons like your feline being pregnant, giving birth to kitties and treatment of any offspring.

3. Routine and Preventative Treatment

Many times cat insurance policies don’t include routine treatment costs like spaying, vaccination, claw clipping, grooming, teeth maintenance and others…

4. Older Aged Cats

If you have a feline and it is a good 10 years old, then, unfortunately, you will not be provided with cat insurance. Cast lower than 10 years is likely to get insured. However, must ask your cat insurance provider to tell you about the age limit of the cat to get insured before hiring one.

Keep Your Cat’s Insurer Informed

What to keep in mind is you must keep your cat’s insurer all updated and informed if your cat’s circumstances changed anytime due to any reason. Some of the common changes that you should consider are changing owner, moving house, getting your feline neutered or spayed, or if you start using your feline for commercial purposes.

In addition, make sure to read and go through all the terms and conditions pertaining to your cat’s insurance policy. And before this, make sure to carefully search for the credible, reliable, effective and right cat insurance provider so that you can get help effectively. Also, make sure to be open and honest with your pet’s insurance provider so that things turned to out to be the best.


Cat insurance has so much to offer you, however, always make sure to know all the covered and uncovered aspects in the insurance policy of your cat.

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