Nowadays, people have insurance for everything. Don't want to deal with damages done by spirits? Get ghost insurance. Scared of alien abductions? There's insurance for that too. Needless to say, health insurance for your cat sounds absolutely sensible. This blog post covers general questions about cat health care insurance and why a cat owner would want to invest in such a thing.
Does my cat need insurance?
First of all, let's ask ourselves: Is it really necessary? The answer depends on different factors.
Personal financial situations
Here you have to consider your financial situation realistically. Imagine that your cat suddenly becomes ill and needs immediate surgery. Bills can rank from somewhere between 100 € for small medical interventions to over 2000 € depending on the type of disease and treatment. Is it possible for you to pay directly out of your pocket at any given moment?
Another important factor is whether your cat stays at home most of the time or likes to roam around outside. Outdoor cats are more likely to get into fights and catch diseases than indoor cats. Therefore, it may make more sense to buy insurance for your cat. But remember that indoor cats do not stay disease-free. As cats age, diseases can appear that are not affected by the outside world.
Some breeds are more prone to certain diseases. Persian cats, for example, usually have a flat face and dipped nose. They may have difficulty breathing with a short nose. These facial features are more likely to cause issues like respiratory problems.
Types of insurances and what to look out for
If you decide to take out health care insurance, it is important to think carefully about all the offers out there. Make sure you know what is and isn't included in your plan and what exactly the insurance company covers. (Note that most insurances require a waiting period of about one month until the insurance company starts to cover for costs)
There are two main insurance types in Germany:
Starting off with the full or complete coverage insurance (Vollschutzversicherung), this type of insurance usually covers the majority or even all of the costs regarding health care. When considering full coverage insurance these are the details to look out for:
Full coverage insurance
*Gebührenordnung für Tierärzte (eng.: Veterinary fee schedule)
The second type is regular surgery insurance (OP-Versicherung). This one is less complicated and has fewer coverages. Therefore, it is also much cheaper. However, it only covers expenses related to surgery.
As with your own insurance, costs can vary between different providers. Generally, insurances become more expensive the older the cat is since older cats, like older people, are more prone to age-related and other diseases. For this reason, the contribution increases with the age of the cat. However, it is still important to protect your cat from a young age if you decide to do so.
For full coverage insurance, prepare to set aside 12 to 30 € a month. The more you pay for the insurance, the less you pay for treatment or operation costs (or if you have a good insurance plan, you might also pay nothing at all except the monthly fee). An annual plan is usually a bit cheaper. But the differences are not immense compared to a monthly plan.
Surgery insurance is more affordable and is usually between 5 to 15 €.
Below you can find a quick overview of the top four cat health care insurance companies in Germany:
So, there you have it. This post should help you understand the services an insurance company offers for your cat. Of course, every company has its own unique twist on insurances and benefits, so if you do consider investing in cat insurance, be sure to schedule an appointment with a consultant to make sure your cat and, of course, you can get the most out of it. At the end of the day, it is your own decision. However, keep in mind that it is always better to be safe than to be sorry. Have your cat's best interest at heart and stay happy and healthy!