How to Choose the Right Cat Insurance California

Steps

1. Always shop around for your insurance and make sure that you are given the full documentation about the various policies.
2. Check the policy to see if there are any exclusions for cover such as, a time limit on any particular condition that they will payout for,
3. Check to see how much excess you have to pay towards your costs before the insurance company will pay the rest.
4. Make sure that there are no extra costs you have to pay out for, some companies may also require you to pay a percentage of the bill on top of an excess charge.
5. Have to hand all your cats details as these will affect the cost of the policy such as:
   • The breed of your cat - moggies are less prone to illness than a pedigree cat.
   • Age, most insurers will not insure a kitten before the age of eight weeks old and will not open new insurance policies for cats over the age of between 8 and 10. It is important to note to make sure your cat is insured before this upper age limit is reached to make sure you have cover for your cat during their later years where ill health may become more of an issue.
   • Sex of the cat and whether or not they are neutered.
   • Location, Your policy could be affected by where you live, especially if you live in a busy urban environment where the likely hood of injury by cars are increased and the cost of vets bills may be higher.
6. Once you have decided on which insurance policy to go for, ensure that you check the policy details when they come through to ensure that you have all the cover you require. There is usually a fourteen day cooling off period after you sign for your policy if you decide that it is not right for you and your cat's needs after all.

Tips

• Do you want the insurance to cover for just vet bill or if you have a pedigree cat, it may be that you would also like to be covered for theft and death as well.
• If your cat is lost, do you require a policy that will pay for some advertising and possible reward?
• Do you want complimentary therapy to be covered?
• What about accidental damage caused by your cat to other's property.
• Or cattery fees if you have to go into hospital unexpectedly.

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