What Does A Cat Mutual Fund Reimburse?

Mutual insurance for cats reimburses, totally or partially, veterinary costs, within the limit of an annual ceiling. Let’s discover together the particularities of this type of health insurance for pets and see the different formulas offered.

The Formulas Of A Mutual Health Insurance For Cats

Insurance companies specializing in coverage of animal health expenses all offer different formulas. Insuring your cat therefore allows you to be reimbursed for consultations, additional examinations, medication, hospitalization costs, surgical procedures, rehabilitation, chemotherapy, and many other procedures… But for that, it is better to choose a contract that is up to it.

Each contract guarantees a more or less coverage. The master of a cat can therefore choose the one that best corresponds to his financial capacities, but above all, the guarantees must meet the needs of his little protege as best as possible.

Generally, a cat mutual insurance company offers three types of contract to know :

• • The basic formula : it can cover up to 50% (sometimes 60%) the cost of primary care related to an accident. According to the insurer, the basic formula can also allow the master of the cat to be reimbursed up to 60% of certain veterinary acts related to an illness. The amount paid does not exceed the annual reimbursement ceiling, which is around €750, which varies from one insurer to another.

• • The medium formula : it covers the costs incurred for accident and for disease until 80%. The reimbursement ceiling is higher than in the case of a basic formula, since it can reach €1,500 per year depending on the company.

• • The premium formula : it’s a high-end solution which allows the master of the cat to be very well reimbursed for his veterinary expenses. It covers accident, illness, often also acts of prevention, and assistance is included in the contract. THE annual reimbursement limit East The highest since it is around €2,000 at least – knowing that it can reach €2,500 – and the prevention ceiling is at least €50 to €70/year depending on the mutual insurance company.

Obviously, the more the cat’s master opts for a formula with a substantial ceiling, the less veterinary costs will remain at his expense. Admittedly, a premium formula entails a higher contribution than that of the basic or mid-range formula, but the reimbursements are much higher in the first case than in the other two. It is therefore a solution to be chosen if one wants take care of your cat at a lower cost because let’s not forget that in France, veterinary prices are free. A health concern can lead to substantial expenses that many pet owners cannot afford without unbalancing their household budget. It is therefore essential that the cat has extensive coverage.

Who Of The Prevention Package For Cat?

Because prevention is better than cure, some companies also offer a Prevention contract that you can choose to complete a basic or medium formula. It allows you to be reimbursed, within the limit of an annual lump sum, for expenses incurred for care or preventive products such as:

• • The vaccination,

• • Sterilization,

• • identification,

• • Pesticides, dewormers, etc.,

• • Consultations with a behavioral veterinarian in the event of behavioral problems in the animal,

• • Specific shampoos as well as cleaning lotions for the ears, the eyes or even cleaning products for the teeth,

• • Therapeutic foods prescribed by the veterinarian,

• • Some accessories such as the harness, the flea collar and even the basket…

We recommend adding a prevention contract when it is not included in the chosen formula.

How to quickly find a good mutual insurance for cat?

Simply connect to our cat insurance comparator to receive multiple offers in a few clicks. It’s totally free and without any commitment. This allows you to discover the support levels offered by several animal health mutuals, and to choose the one that best suits what you want, both in terms of budget and coverage. Indeed, the price should not be the only criterion for choosing health insurance for your cat.

Ideally, the contract chosen should cover as many acts as possible – for accident and illness – thanks to a high annual ceiling and that a prevention package be included. As far as possible, we also try to find a formula that imposes neither deductible nor waiting period. Anyway, you should not wait to insure your cat with a mutual health insurance because no one is immune to a hazard. We can sign a contract as soon as the kitty is 2 months old which is strongly recommended because some insurers refuse to insure old cats.