Pet cat insurance in UK

Pet cat insurance in UK, pays the veterinary costs if one’s pet cat becomes ill or is injured in an accident. Some policies will also pay out if the pet cat dies, is lost or stolen. 

The purpose of pet cat insurance is to mitigate the risk of incurring significant expense to treat ill or injured pet cats. As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pet cat’s health care and standard of living than previously, the market for pet cat insurance has increased. 

UK policies usually pay 100% of vet’s fee. Some pet insurance providers for cats usually offer to pay 80 to 90 % of the cost minus a deductible depending on the company and the specific policy. The owner will usually pay the amount due to vet, and then send in the claim form for reimbursement, which some companies and policies limit according to their own schedule of necessary and usual charges. In the vent of a very high bill, some veterinarians will allow the owner to put off payment until the insurance claim is processed. Some insurers pay vets directly on behalf off customers in UK. 

Traditionally, most pet cat insurance plans did not pay for preventive care or elective procedures. Recently however, some companies in the UK are offering routine care coverage. 

In addition, companies often limit coverage for pre-existing medical conditions, thus giving owners an incentive to insure even very young cats, who are not expected to incur high veterinary costs while hey are still healthy. 

Some insurers offer options not directly related to pet cat’s health, including covering boarding costs for cats whose owners are hospitalized, or costs associated with retrieving lost cats. Some policies also include travel cancellation coverage if owner must remain with pets that need urgent treatment or are in the final stages of their lives. 

Pet cat insurance in UK also includes third party liability insurance. Thus for example, if a cat causes a car accident that damages a vehicle, the insurer will pay to rectify the damage for which the owner is responsible under the Animals Act 1971. 

The pet cat polices of UK are just similar to the policies of US which are beneficial for the cat owners. 

According to the UK pet products manufactures association, in 2007 UK citizens spent over 8 billion pounds for veterinary care for their pet cats. From those figures, one might immediately think that pet cat insurance would be wise for pet cat owners in UK, especially those with more than one family cat. 

While the premiums for pet cats insurance in UK often range from 11 pounds to 50 pounds a month for some companies, over the course of cats lifetime this can add up to some serious cash. 

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