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    A Guide to Kitten Insurance

    Articlegeneral cat adviceFriday 20 May 2011

    Searching on the internet for kitten insurance? If this is your first time taking out pet insurance, it can be a tricky minefield to negotiate.

    Deciding on the best insurance deal for your needs can bring on a headache – all those terms and conditions and hidden clauses – so read the guide below to find out how to pick a relevant cat insurance scheme.


    Cat Insurance: Find the Right Quote

    1.    Pets are loyal, loving members of the family and it’s never easy to contemplate a time where their health may be in question. However, it’s important to think about taking out kitten insurance at an early age, otherwise you may have to face some difficult decisions later down the line. The most costly area of pet ownership is always medical and veterinary bills, so taking out a sensible pet insurance plan could offer you some comfort should your cat face a medical dilemma.

    2.    The statistics back up the importance of taking out pet insurance – amazingly almost half of pets every year will require some form of veterinary treatment. Therefore, neglecting the chance to take out pet insurance could actually prove more costly in the long term. Of course, any responsible pet owner should always weigh up the pros and cons of any insurance deal, but it’s worth remembering that at some point in your ownership of the kitten, you’re going to face some tough decisions – and insurance can be the safety net you need to nurse a poorly cat back to full health.

    3.    However, with any pet insurance deal, it is essential to know exactly what you’re paying for – and the cover offered.

    A lifetime policy will obviously cost the most but will effectively provide universal cover (provided you check the small print), cutting veterinary bills throughout the cat’s lifetime.

    Cover will also be provided as the kitten matures and moves into old age, even if it develops conditions such as arthritis and diabetes. This option is expensive, however, and may not be the right choice for everyone, or offered in certain circumstances.  

    Alternatively, you may want to opt for a ’12 month’ cat insurance policy, which places a limit on the amount of time that any condition can be claimed for. This is a more affordable option than lifetime cover, and no cover will be provided if your kitten continues to suffer health problems after the length of the deal has expired.

    This option will only offer short term peace of mind in relation to the health of your kittens, and it’s important to check the terms and conditions very closely to determine the exact amount of cover offered.

    Finally, the cheapest kitten insurance option is to take out a ‘maximum benefit’ policy. Here, the prices are low but the cover provided is minimal – the insurance company will only pay for a set amount of treatment. If you have concerns over the limits with this option, it may be a good idea to talk with experienced pet owners who have opted for this policy to find out more.

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