Can We Insure A Cat Without A Health Check?

Providing a health check is one of the conditions required by companies when you want to take out a health insurance contract for your cat. This allows insurers not to take the risk of covering an animal that is already sick when it joins. To prove that his little feline is in good health, his master must therefore provide a certificate issued by a veterinarian. But, in the animal health insurance sector, the competition is so fierce that some companies agree to insure a cat without a health check. What is it exactly?

What Does A Cat’S Health Check Indicate?

As its name suggests, it is the assessment carried out by a veterinarian after carrying out a whole series of tests and examinations to check health status of the animal being reviewed so that everything is notified.

• • skin and coat,

• • Body temperature,

• • teeth, eyes, ears,

• • Arterial pressure,

• • Lungs and heart examined by stethoscope,

• • abdominal area,

• • Joints…

Of the Additional tests can be carried out as a blood test, a urine analysis, an ophthalmic assessment, an examination of the auditory canal and the eardrum, or even in case of suspicion, an imaging examination and many others.

The health check should not be neglected and it is recommended to ensure that it is carried out at regular intervals. In addition, it allows the master to be notified of the examinations or care that his cat should benefit from when an anomaly has been detected.

Given the amount of information it provides, this report is very interesting for animal insurers who can therefore refuse the request for a contract if the cat is sick or apply an additional premium which can significantly increase the price of the insurance policy.

How To Find Cat Insurance Without A Health Check?

In order not to spend his time soliciting insurance companies for pets, the master has every interest in using a comparator of mutual health insurance for cats. Thanks to this free and reliable tool, he can target his research and receive very quickly and without obligation many proposals from different insurers. Because there are indeed companies that agree to cover cats without requiring a health check at the time of taking out the contract.

These companies have the philosophy of establishing a trust with their customers. On the other hand, it seems that all these professionals impose two conditions, namely on the one hand that the cat is identified either by tattoo, or by transponder, that is to say by electronic chip. On the other hand, when the cat was taken in after being find and that his master therefore knows nothing of his medical history, in this case the insurers require:

• • That the animal is vaccinated,

• • That its owner make every effort to have it identified as soon as possible if this has not already been done.

These are the only two conditions. These insurance companies, which offer contracts without a health check, can however advise the owner of the found animal to make an appointment with the veterinarian so that he can carry out a first check-up visit.

You should know that you can also insure a sick cat, but generally veterinary care related to an existing pathology may not be covered. As to exclusions – which can be read by reading the general conditions of a contract – they include certain pathologies including congenital or hereditary diseases. It is therefore important for the owner of the animal to know before subscribing what the state of health of the cat he has found is.

Finally, it should also be noted that some health mutuals still ask the owner of the animal to write a sworn statement stating that their cat is in good health. Beware of misrepresentations!