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What you need to know about pedigree cat insurance

What you need to know about pedigree cat insurance

Pedigree cats can cost you a lot of money as they’re prone to hereditary illnesses. That’s why you’ll want to make sure that you’ve got the right pet insurance to cover any unexpected vet fees.  

Tom Harrison
Content writer
minute read
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Posted 30 SEPTEMBER 2019

What exactly is a pedigree cat?

A pedigree cat is one whose mother and father are of the same specific breed. They should come with paperwork highlighting their family tree and can be registered with organisations such as the Governing Council of the Cat Fancy (GCCF), The International Cat Association (TICA) or Fédération Internationale Féline (FiFE).

There are over 60 recognised breeds and varieties of pedigree cat, but they’re not very common. In fact, an estimated 90% of UK cats are plain old moggies.

Today, the top 5 most popular pedigree cats in the UK are the British Shorthair, the Bengal, the Ragdoll, the Persian and the Maine Coon.

How much is insurance for a pedigree cat?

You may find that a pedigree cat costs more to cover than a regular breed because they can be more susceptible to some illnesses.

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What hereditary conditions affect pedigree cats?

Some of the more common pedigree cats can suffer from these hereditary conditions:

  • British shorthair cats can suffer from hyperthyroidism, cardiomyopathy and cystitis.
  • Persian cats can suffer from breathing difficulties, dental diseases and skin infections.
  • Siamese cats can be prone to feline heart disease, diabetes and asthma.
  • Tonkinese cats can be at risk of developing heart defects, problems with their eyes and asthma.
  • Bengal cats can be prone to lameness, abscesses and tumours.

What can pedigree cat insurance cover?

Cat insurance can cover the cost of treating an accident or illness. It can also cover:

  • complementary treatments – physiotherapy, alternative medicine and more.
  • cattery fees – if you’re unable to look after your cat because you fall ill.
  • costs of cancelling your holiday because your cat is ill.
  • your cat passing away
  • theft of your cat
  • costs of advertising and offering rewards if your cat goes missing.
  • costs of emergency treatment if your cat is taken ill abroad.

You’ll need to check your policy to see exactly what’s covered.

What types of pedigree cat insurance are there?

There are four pet cover options to choose from offering different levels of cover.

See more about the available pet insurance options.

What may not be covered by your pedigree cat insurance?

  • Pre-existing conditions – these are almost certainly not going to be covered by any insurance provider.
  • Routine check-ups and vaccinations – although unexpected and emergency trips to the vet are likely to be covered.
  • Dental treatment – some insurance providers will cover this for an additional cost.

Check the policy details to see exactly what is and isn't covered by that insurance provider.

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