Cats are valued for their independence. They are animals that aspire, for the most part, to a certain degree of freedom. But this freedom can rhyme with dangers. Not to mention that purebred cats can develop a number of congenital diseases.
Also, the expenses related to the health of your pet can suddenly become very high. Cat health insurance is the only solution to preserve your wallet, while providing the care your cat may need. If you want to confirm that such an approach is relevant, you will be interested in reading our article.
The price to take care of your cat
If you have established a budget before considering adopting your cat, in particular to ensure that you have the means to meet its basic needs but also to cover expenses related to an accident or illness, perhaps you have miscalculated these. This is indeed often the case.
If no vaccine is compulsory for cats on French territory, 5 vaccines are commonly practiced because they are highly recommended. For the rest, everything depends on the environment in which you live, the temperament of your cat, and the chances of life. In other words, the item corresponding to health expenditure is ultimately difficult to budget.
The only thing you can really do is ask yourself what is the maximum amount you could spend at one time without it being a problem for your way of life.
You can then compare this sum:
- At the average price of a basic veterinary consultation (between 30 and 40 euros),
- At the cost of an x-ray (between 70 and 90 euros), an ultrasound (about a hundred euros) or a doppler (about 120 euros),
- At the cost of a technical intervention by the veterinarian, such as to treat a simple otitis for example (about 80 euros),
- At the cost of a blood test (which can reach 100 euros depending on what the veterinarian is looking for),
- At the price of the removal of a simple cyst (around 120 euros) or a heavier operation on the occasion of a fracture (around 1,000 euros).
Over the past ten years, while technological progress has made it possible to provide better quality care, the costs they generate have continued to rise.
The principle of risk pooling
Health insurance for cats makes it possible to calmly face these expenses. It certainly has a cost too, but that is without comparison with the expenses that the care of your cat may require.
We are used to hearing that insurance is expensive until the day when we are confronted with damage. It is entirely possible to pay for insurance for years without ever involving it. This is what insurance is all about and it is because many policyholders do not face any risk that the system is possible.
Indeed, insurance is based on the principle of risk pooling. It is part of the job of insurers to plan their own risks, which consist of committing to reimbursing a certain number of expenses. For this, they carry out studies and go through the statistics.
The aim of the insurer is to define the amount of premium adapted to the risks covered, while generating margins, in particular to remunerate their staff. It’s a subtle balance to find for these professionals.
What is the average cost of cat health insurance?
We can answer this question: we must count between 7 and 20 euros per month for standard insurance. But in a way, asking the question in terms of “average” cost is not the right way to approach the subject.
Indeed, there are many offers that span a wide price range. The principle of risk pooling leads insurance companies to decline different proposals whose price corresponds to the coverage of listed risks.
The reasoning is therefore the same as for any insurance. The starting point lies in everyone’s finances: how much money can you devote to insuring your cat? The answer matches your financial situation but also to the nature of the bonds woven with your animal, as well as your values. A person may have money and feel that an animal does not need the level of care equivalent to that of a human being, or even that it is out of the question to spend money on treating an animal. This person can therefore decide not to take out any insurance and euthanize their cat in the event of a problem. It is also possible to meet people for whom their animal means a lot to the point of being ready to make sacrifice, including financial. There is therefore no universal answer but many individual choices.
Some companies offer fairly complete offers at very affordable prices. Also note that prices vary according to age, breed and your cat’s health. Very complete offers can reach 70-80 euros per month. This type of offer often includes the reimbursement of recurring services at the veterinarian and the purchase of products such as antiparasitic treatments.
A tool to help you choose health insurance for cats
The use of a cat health insurance comparator can prove to be invaluable to walk in its reflections and to make the choice of the insurance company which corresponds to its budget and its values. Indeed, it allows you to quickly view different offers and quickly select a few based on criteria defined by you.
To avoid wasting time, we advise you to do research, specifying the age of your animal and being attentive to the disclaimer of warranty that apply to him. The amount of franchises which correspond to a remaining charge for you, and the ceilings expenses, are also very important to consider. It is only from a certain level of coverage that insurance becomes relevant. Although you cannot predict anything about your pet’s future health, the examples of health expenses mentioned in the first paragraph help you to concretely estimate these amounts.
Here is another benchmark that can help you to situate yourself: if the French spend an average of 563 euros per year for the health costs of an animal, it is the owners of dogs who contribute the most to raising this amount. Only 19% of cat owners spend more than 800 euros per year. Beyond 1,000 euros, about 20% of cat owners (compared to 10% of dog owners) are ready to euthanize their animal.
What is also interesting to know is that the food item is often overestimated, with snack foods representing a significant share. However, a fairly large number of animals are overweight (which is detrimental to their health). This opens up the prospect of rebalance a budget by feeding his animal better and spending a little more on his health.
The comparator helps you select two or three insurers from whom you can request quotes, the only valid documents, corresponding to updated offers closer to your situation.