If you own a cat you’ll know that they’re as much a part of the family as any human and you’d be devastated if you lost them. But if the unthinkable were to happen and your cat was to get injured or become unwell would you have the money to pay for the cat health care?

When asked about the costs behind keeping a cat, people think of the cat food and perhaps the cat litter. You may also factor in regular worming treatments or flea collars. Few people stop to think of the potential costs of cat health care bills.

In reality, vet bills can be massive if the cat needs serious surgery or medical treatment. Your cat might need surgery if it is hit by a car. There are also illnesses like diabetes or leukaemia which could require ongoing medication. Would you be able to afford these cat health care costs.

Perhaps you think you’ll be lucky, but is it worth the risk? It’s for this reason that pet insurance exists. You buy the pet insurance and if the worst does happen, the costs of treatment will be covered. With pet insurance you won’t have to worry that cat health care is over budget.

It is important to invest in pet insurance whilst your cat is still a kitten. Insurance companies are unlikely to take on an older cat with an existing cat health care problem. Remember that as with any insurance there could be conditions, so be sure to check the small print. You’ll still have to pay for vaccinations and an insurance company will normally not payout for conditions which could have been prevented if you’d have the cat vaccinated.

It’s not just about cat health care though, some companies will offer you other extras. For example, some provide money for advertising lost cats.

Pet insurance is vital to give you peace of mind. What is important is to get the best deal you can and to make sure you know what is included. Be sure you understand excesses and limits and if the policy is only annual rather than for life, don’t forget to renew.

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