Should I Get Insurance For My Kitten
If you have a kitten and you are wondering whether you should get insurance for your pet, then the answer is a resounding yes. Kittens are just as prone to things like stomach upsets and ear infections as older cats, and it costs just as much to treat them.
It is always better to get a pet insurance plan while your cat is still young as most insurance policies exclude existing conditions, if you get it before problems can develop then your pet should be covered for everything. If you want the best for your kitten right from the beginning, then you really need to give serious consideration to purchasing pet insurance.
It’s an idea to take a good look around on the internet and at the information board in your local vet’s surgery because they often have some quite reasonable pet insurance plans. Take your time over making a decision because you don’t want to take on a plan and then find that it doesn’t cover everything that you want it to cover. In the UK pet plans have certain terms and conditions, understanding these fully is key to ensuring that your cat is fully covered. There are a number of things that you need to take into consideration when you are looking for a pet plan.
The breed of kitten that you have is important because some cats are more prone to certain conditions than others. Many people think that the alley cat is usually the most hardy but this is not always the case. If your kitten is a pedigree breed then you probably know something about its family history and this could be important when it comes to getting insurance for your pet. Where you live should also be taken into consideration here, cats and kittens are notorious for exploring the area where they live. If you live in an area where there is a lot of traffic then your kitten may be more at risk of being hurt in a road accident than if you lived somewhere quieter.
There are a number of different ways that you can insure your cat and it is easy to get a quote online or over the telephone. Some companies offer a discount when you pay for your cat insurance online and that is worth investigating further, particularly with some of the leading insurers. Before you start asking for quotes you need to know exactly what you want for your kitten and also what you can afford to pay in premiums and in excess.
With most pet insurance plans a higher excess, i.e., what you are required to pay towards the cost, which might be £50 or it might be 10 or 20 per cent of the total cost of a course of treatment. The more that you can pay in excess, then the less you will pay on your premiums – just as you might find with a car. It’s a good idea to insure your kitten once it is about eight weeks old, that way there is less chance it will have a pre-existing condition. Once you know what you want and what you can afford to pay, it is time to start looking for pet insurance quotes.