In insurance, the waiting period denotes a period during which the insured, your cat in this case, is not covered by the insurance company. The purpose of the waiting period is to prevent policyholders from taking out a contract only when they need expensive care or medical intervention for their cat.
If you want to take out health insurance with immediate effect, you must compare and sort through the offers offered by the various insurance companies. Be sure the contract you are looking for exists.
Why take out health insurance for your cat?
If you have taken out health insurance yourself, which must supplement the reimbursements from the Health Insurance, you must also think about your cat. He will need to receive health care throughout his life and the bill can be high. Many cat owners underestimate veterinary costs, with a visit to a GP costing on average €40 and a specialist up to €150.
Your cat could also be bitten by an excited dog and you will need to take him to the vet and then give him some tests and possibly surgery, not to mention the medication he will need to take to avoid any risk of infection. The bill can reach €1000.
Your cat will inevitably age and its health will become fragile. You will have to accompany him more often than at the beginning for a medical examination. The insurance has the huge advantage that it fully or partially participates in the health costs associated with your cat. Before you subscribe to mutual pet insurance, take the time to make several quotes.
What is the best insurance for a cat?
In order to benefit from compensation for your cat’s health costs, especially in the event of an accident or illness, it is important to insure your cat. But how do you know which insurance is best? How do you choose the right guarantee compared to the many existing cat insurance policies? Online comparators exist to know the best insurance for cats.
Don’t hesitate to use these tools, which can save you time and help you target the insurance that best meets your cat’s needs. Pet insurance consumer reviews are also good sources of information. You are not alone in asking yourself these questions!
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Is there cat insurance with immediate effect?
Waiting times may vary from one insurance company to another. It is possible to avoid them by choosing a contract with immediate effect, but the annual premium without the grace period risks being higher than the one with grace period.
If your cat is young, some companies can offer you insurance without waiting period at no extra cost. Chances are, during the first few years, your cat won’t need much grooming. It is then as the years accumulate that his health deteriorates and that visits to the vet and care will be more frequent. Of course, this does not take into account the life accidents that can affect your cat and cause unforeseen health care. And it is precisely for all these reasons that animal health insurance is essential.
If your cat is old or sick, it is not impossible to find insurance without a waiting period, but you will have to pay an additional cost, not to mention specific conditions that may apply.
To find the cat insurance with immediate effect that best meets your expectations, you must rely on the recommendations of an online comparator.
