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Five tips for cutting the cost of cat insurance

In the current economic climate, some cat owners may feel that pet insurance is an unnecessary expense. However, failing to insure your cat is a false economy as it can prove expensive if your cat needs medical treatment.

The cost of vet treatment has been rising steadily by 12% a year in recent years. It makes sense to have pet insurance so that if your cat needs emergency treatment, you can take it to the vet straight away without worrying about the cost.

The RSPCA is a charity that has had vested interest in animal welfare for over a hundred years. They now offer pet insurance designed to ensure that your pet is covered in the event they fall ill or get injured.

You may be surprised to know that RSPCA cat insurance is not that expensive, particularly compared to vet’s bills. It is a small price to pay for knowing you can provide your cat with any medical care it needs throughout its life.

Reducing insurance cost

Cat insurance costs depend on various factors including the type and amount of cover you want, age and breed of cat, its general health and existing medical conditions. Here are some tips to reduce the cost:

1. Get a moggie – if you just want a cuddly pet and are not bothered about winning prizes at cat shows, a mixed breed cat will often be healthier and less likely to suffer from inherited diseases.
Some breeds of pedigree cats are prone to health problems resulting in above average vet bills over the cat’s lifetime. Insurers charge higher premiums for breeds known to suffer from hereditary diseases.

2. Insure your kitten – it definitely pays to start insuring your cat early on in life because insurance costs increase with age. If you put off getting pet insurance until your cat is older and may soon need medical treatment, it’ll cost you a lot more.
However, it’s still worth insuring older cats because it will still cost much less than vet’s bills if the cat needs treatment.

3. Lifetime cover –this is more expensive than individual illness cover but offers better value because if the problem recurs in future you can continue to claim for the same condition. If your cat has a chronic illness like a heart or thyroid condition and needs lifelong medication or treatment, this type of policy will work out much cheaper

4. Stick to basics – rather than getting comprehensive cover, if you’re really strapped for cash you could consider getting a basic policy for emergencies and individual illness. This type of policy will pay for one-off treatment but you cannot claim again for the same condition.
It’s really only something you should consider as an alternative to no insurance at all. You’ll have to pay for future treatment if the problem persists as most insurers will not pay out for existing medical conditions so it may cost more in the long run.

5. Multi-pet policy – this is definitely worth getting if you have more than one cat because insurers offer discounts if you insure two or more pets.

Of course, the best way to reduce insurance cost is to look after your cat. If you keep it healthy and feed a proper diet it’s less likely to need medical treatment. A fit and healthy cat with no serious illness in its medical history will cost less to insure.

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