Skip to content

how to choose ? What cost?

You have just adopted a kitten and you wish to take out a dedicated health insurance contract. This precaution is judicious, because the small animal is exposed from an early age to the risk of illness and accident, in particular because weaning no longer allows it to be protected by means of antibodies from its mother’s milk. Before his first vaccinations are effective, the little tomcat may thus need significant care, and this may continue thereafter.

What does kitten insurance cover? How to choose it? What price to expect? Where and how to find it? Let’s take a look at this case.

Kitten insurance: what does it cover?

Kitten insurance is health insurance dedicated to the needs of young cats. It can be taken out from the age of 3 months, or even 2 months depending on the company. Very often, it runs until the animal is 8 years old. This precaution is related to the fact that before the age of 3 months, the risk of developing a congenital or hereditary disease is greater. However, if the animal shows the signs, insurers generally refuse to cover it, because the little kitty would be far too expensive to insure. In addition, the law does not allow to adopt a kitten before the age of 8 weeks, that is to say approximately 2 months.

Kitten insurance can therefore be taken out at the same time as classic cat insurance. You should know that not all companies offer this type of formula, but that it is nevertheless possible to distinguish three levels of cover:

  • the basic formulaeconomic, which covers the costs related to illness and/or accident up to 50% to 70%;
  • the comfort formulaintermediate, which extends coverage to additional examinations and surgical procedures, with a reimbursement rate of between 70% and 90%;
  • the premium formulahigh-end, which covers almost all veterinary care for kittens with a reimbursement rate of between 90% and 100%.

The principle of these specific insurances is simple. At each consultation, the master gives a care sheet to the veterinarian then he sends it to his insurer with the detailed invoice for the care provided. Within a period that can vary from a few days to several weeks, he receives the reimbursement due to him directly on his bank account.

The amount of reimbursement depends on the formula chosen, and therefore on the reimbursement rate provided for in his contract and the care covered by it. Indeed, the reimbursement rate is not applied to the total amount of the bill, but only to the care concerned. In addition, the amount reimbursed can be reduced by two factors: the deductible and the annual reimbursement ceiling.

The annual reimbursement ceiling is the maximum amount that the insurer agrees to reimburse to its client per year. Once it is exceeded, the master of the kitten no longer receives any reimbursement until the following year, even if he has subscribed to a 100% complete formula. The deductible is a sum that remains the responsibility of the subscriber. It can be applied to the first reimbursement request of the year or to each of them. Note that it can take the form of a fixed amount or a percentage.

How much does kitten insurance cost?

The price of health insurance for kittens generally corresponds to that of insurance for a healthy adult cat. The average price is as follows:

  • for a basic formula, count 5 euros to 15 euros per month;
  • for a comfort formula, it is necessary to plan a budget of 10 euros to 30 euros per month;
  • for a complete formula, the cost varies between 30 euros and 50 euros per month.

How to choose your kitten insurance?

Kitten insurance offers are not very numerous on the market, but it is still often difficult to make a choice. In any case, it is recommended to request several quotes in order to be able to compare them and choose the insurance that offers the best value for money.

What criteria should be used to do this?

The guarantees offered

Kitten insurance offers a whole range of guarantees depending on the level of protection desired. It is imperative to choose a formula that effectively protects your little companion. So be sure to opt for insurance that protects him from the dangers and risks to which his environment exposes him (external access, other animals in the home, living space, etc.) as well as those to which his breed and ancestors predispose it.

The options

It is often possible to subscribe to additional options. While some companies include them in their offers, others leave the kitten’s owner free to choose them. This is particularly the case of options related to prevention, which can be interesting for young twins since the costs related to castration, sterilization, the first vaccinations, the first external dewormers and antiparasitics, or even the identification (by tattoo or electronic chip) can be relatively high.

Medical treatment is also sometimes offered as an option. Depending on your tomcat’s profile, it may prove useful, as animal medications are not covered by other forms of insurance.

The reimbursement rate

Depending on the formula chosen and the company selected, the reimbursement rate can vary greatly. However, this rate is important for your budget since it determines the amount that will be paid to you. The higher it is, the more expensive the insurance formula. Admittedly, the little kitten is generally a healthy animal, but its needs will increase over the years, not to mention that it may be subject to certain sensitivities likely to require costly care very early on.

The repayment period

This point is also important because it varies greatly from one company to another. Indeed, some subscribers are reimbursed within 24 to 48 hours, while others have to wait several months to receive their due! If you want to quickly recover your costs, be sure to take out a contract that provides for shortened, or at least reasonable, deadlines.

The waiting period

The waiting period is a period that begins when the contract is signed and extends until it actually takes effect. During this period, the kitten’s master begins to pay his dues, but his little companion is not yet covered. This is a precautionary period that allows the insurer to protect itself against hidden illnesses or subscriptions for significant veterinary costs. The company can thus decide to refuse to insure the little kitty if it ultimately proves to be too expensive to take care of.

Be sure to choose a kitten insurance plan that provides a very short waiting period, as it can last a few days for some and up to six months for others! Note that there are also formulas without a waiting period.

The amount of the deductible

We have already mentioned the deductible, which can be in the form of a percentage or a fixed amount and which can be taken from the first reimbursement of the year or from each of them. This sum remaining the responsibility of the master, it is generally more interesting to choose a formula with a low fixed amount and applied to the first reimbursement.

Note that some companies do not apply a deductible!

The annual reimbursement ceiling

The amount of the annual reimbursement ceiling is freely set by the insurers. The more coverage a formula has, the higher it is. On average, it varies between 800 euros for basic formulas and 2,800 euros for complete formulas.

The price

Of course, the price of the insurance is an important selection criterion. Each company can freely set the prices of its choice. As a result, expensive kitten insurance will not necessarily be of better quality than cheaper one. Make sure you choose health coverage that is priced within your budget, because any contract is binding on you and you will be required to pay your premiums.

Termination terms

Kitten insurance can be terminated by its subscriber in several ways. In the majority of cases, and as provided by law, subscription can be made free of charge and at any time during the first year, then each following year at least two months before the tacit renewal date (which may correspond to the anniversary date of the signature or on December 31 of the current year). The insurer is required to remind its client at least 15 days before the deadline by email or post. Termination can be effected by sending a registered letter with acknowledgment of receipt.

However, some insurers apply other more restrictive terms. In any case, check these points in the contract before committing.

How do I find kitten insurance?

To find insurance for your kitten, you can canvass the brands one by one or seek the services of a specialized broker. If its service is generally paid, it will allow you to find the best formula on the market for you without effort.

In addition, you can use the services of an online comparator. We recommend this free and non-binding tool, as it is a quick and effective ally to find the formula that’s right for you. All you have to do is fill out a short questionnaire that targets your needs and you will receive a selection of offers that correspond to them in a few seconds. It’s up to you to compare them to make the best choice. Do not hesitate to request more detailed quotes from the insurers that interest you.

In addition, this tool has the advantage of giving you better negotiating power. Indeed, you can easily rely on competing offers to negotiate price or in-kind benefits on the contract that interests you the most. Don’t wait any longer to save money!

Leave a Reply

Your email address will not be published.