What is Cat Insurance

When you are thinking about getting a cat, the prospect of purchasing cat insurance is probably the last thing on your mind. You are probably more concerned with its furryness, its lovely purring and meowing sounds, and how cute it looks. You might also be considering all the money it is going to save you on mousetraps and cheese. However, there is a dark side to cat ownership, and that dark side involves spending a whole lot of cash on it.

There are lots of costs involved with keeping a cat, such as food, toys, and accessories, and these things can cost an arm and a leg too. However the main expense involved with cat ownership is usually vet costs. The unthinkable alternative would be just to keep it as long as it lives, and if it dies, bury it in the back garden. This is what cat owners used to do before vets came onto the scene. It is certainly a cheap way to keep a cat, but if you plan to do this to your moggy, then you almost certainly do not deserve to own one of these wonderful creatures.
 
Unfortunately, you cannot guarantee the health of your pet, but if you take them to the vet, then there is a good chance that most illnesses and injuries can be cured. There is no national health service for domestic animals, so if your cat becomes ill or injured and needs to see a vet, then you will have to pay for it. Cat insurance is intended to help cat owners with medical costs, and in exchange for a small monthly tariff, or a larger annual lump sum, you can make sure that your cats vet bills are taken care of.
 
Cat insurance policies range in price from basic cover, which will only pay for a certain amount in vet bills and will not provide long term care for chronic illnesses such as arthritis, to fully comprehensive cover, which will pay for any vet bills that you get, no matter how large, for the remainder your cats natural life. Of course, there is no such thing as an everlasting cat, and you will always end up losing them eventually, but if you take out cat insurance, you can make sure that the life of your cat is as long and healthy as possible.

This article about cat insurance was written by insurance consultant Mike Wood, who suggests visiting CoOp insurance website.