5 Factors That Affect the Cost of Cat Insurance

Popular pet names

Cats are amazing friends to have around. They are fun and interesting to watch, especially when they engage in all manner of mischievousness. They run around the house aimlessly, springing over risky heights and often consume things they shouldn’t. And like human beings, cats are susceptible to diseases and injuries. That’s why it’s important to consider a pet insurance for cats should your feline friend need medical attention.

When looking to purchase pet insurance for your cat, there’re several factors you need to keep in mind to find the right health plan. Cat insurance cost is one of the factors and perhaps the main point of consideration for most cat owners. Here are some of the factors that impact the cost of your pet insurance.

Locality
The cost you’ll pay to insure your cat is directly affected by where you live. If you reside in the city you can expect to pay high cat insurance cost than if you’d have been in rural areas or suburban. This is due to high veterinary fees in metropolitan areas as a result of the high cost of living in those areas.

The Insurer
Insurance companies have different mechanisms and ways of determining their insurance costs. Your choice of a particular insurer can mean a significant difference in the cost of your premiums, which is mostly dependant on random factors. That’s why insurance experts recommend assessing different plan providers to secure the best pet care deal.

Breed Type
There are various breeds of cat and some of them are known to be predisposed to diseases than other breeds. Essentially, purebred cats are relatively costly to insure than mixed breeds. And this is a factor that an insurance company will take into account when computing your cat insurance cost.

Age
Like humans, cats are at risk of developing health problems when they grow old. Therefore, age is a factor that insurance companies will factor in when calculating your cat health insurance premiums. In addition, you can expect to see the premiums go high on an annual basis, but on average, your cat insurance should grow between 5 and 10 percent. Though not all pet insurance firms will hike premiums, this is something you must consider when shopping for a pet health plan.


Type of Insurance Plan
Different insurance plans provide varying levels of coverage. While some policies only insure your cat against accidents or injuries caused by another party, others will cover everything from regular vet checkups, and routine procedure to preventative health care. The more detailed a particular cover is the high the premiums.

These are just some of the factors that impact your cat insurance cost. But ultimately, as a pet owner, you’ll find rest knowing that your cat is covered against different kinds of illnesses and injuries, so you’ll never have to worry about the cost of treatment.