Pedigree cats can cost you a lot of money as they’re prone to hereditary illnesses, so you’ll want to make sure that you have the right pet insurance to cover any unexpected vet fees. Here’s what you need to know…

What is a pedigree cat?

A pedigree cat is one whose mother and father are of the same breed, and who can be registered with an organisation that maintains a register of cats of that breed.

How much does pedigree cat insurance cost?

Insuring a pedigree cat will probably cost more than insuring an ordinary moggy. Cats tend to be less expensive to insure than dogs and certain other domestic animals, but cat insurance can still cost, on average, £64 per year.*

In general, a pedigree cat can be more prone to illness and hereditary conditions than other types of crossbred cats.

*The average sold premium for cat insurance based on data from January 2017 to December 2017.
Pedigree cat insurance

What are some of the hereditary conditions?

Some of the more common hereditary conditions among pedigree cats are:

Persian: the placid and affectionate Persian cat can suffer from breathing difficulties, dental diseases and skin infections.

Siamese: known for using their voices and their affectionate, intelligent personalities, Siamese cats can be prone to feline heart disease, diabetes and asthma.

Tonkinese: known for being playful and intelligent in nature, Tonkinese cats can also be at risk of developing heart defects, problems with their eyes and asthma.

What can pedigree cat insurance cover?

Many people think of pet insurance as a way of covering vet bills and, according to the Association of British Insurers (ABI), most claims are for the cost of treating an accident or illness. However, there are many other things that cat insurance can cover, including:

  •  Complementary treatments, for example, physiotherapy and alternative medicine
  • 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

The last four items in this list could be especially attractive to owners of pedigree cats, who might, for example be at greater risk of having their pet stolen, might travel within the UK and abroad for cat shows and in general might have a cat that’s worth more than your average domestic cat. However, it is important to check your policy to see exactly what is covered.

Pedigree cats and illnesses

Ensuring you get the right policy for you

Lifetime insurance could be an especially attractive option for pedigree animals as they can be affected by hereditary conditions, which might last throughout your cat’s lifetime.

With lifetime insurance, you’ll receive cover for as long as the condition lasts. Not surprisingly, this type of cover is more expensive than shorter term policies. Annual limits will be in place, but they will be reinstated on renewal of the policy.

If you decide lifetime insurance isn’t for you, the next best option may be maximum benefit cover. This type of insurance sets a maximum amount that can be claimed for a particular condition, but the amount is not reset each year, so if you use 50% of the maximum benefit in one year, only 50% of it will be left in future years.

The alternative is to purchase an annual time limited policy, which will cover claims for illnesses and accidents for a 12-month period. However, if your cat’s illnesses was a pre-existing condition then it will not be covered in your policy.

What isn’t covered by cat insurance?

Pre-existing conditions are almost certainly not going to be covered by any insurance provider. These are conditions that you knew your cat was suffering from when you took out the insurance policy, including conditions for which you might not have sought veterinary treatment.

Unexpected and emergency trips to the vet are likely to be covered under your policy, but routine check-ups and vaccinations may not be covered.

Dental treatment might not be covered too, although some insurance providers will cover this for an additional premium, so it important that you check your policy to see what is covered.

We know how important it is to find the right protection plan for your pet. To make things simple, use our pet insurance comparison service to compare your options and get the right cover for your pet.

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