الثلاثاء، 27 يناير، 2015

Kitten insurance

Kitten insurance
While there are typical traits to a standard kitten insurance policy, you will find that cover varies between different providers, so it’s vital to make sure you know what you’re covered for, and that you have all the cover you want
Generally, a particular sum in vet’s fees will be covered, along with advertising if your kitten is lost or stolen – and many will also provide a death benefit and cover holiday cancellation and boarding fees so your kitten is looked after if you have to go into hospital, for example
However, if you’re seeking additional cover you’ll need to check the fine print, or pay for a more expensive policy to make sure you’re covered for your particular needs
 The cheapest form of policy will provide annual cover. As its name suggests, this will cover you for a set period of 12 months, and during this time your kitten will be covered up to the limits in the policy. But after the policy expires, your kitten will no longer be covered unless you’d chosen to renew the cover
Alternatively, you can opt for a policy that offers protection for a specific condition, with a limit for how much you can claim – so if treatment comes in at greater cost than the cap, this will have to come out of your pocket
For the most comprehensive cover, choose a lifetime policy. As with all pet insurance lifetime policies, this will cover for a long-term illness such as asthma, so you’re safe in the knowledge that the cost of treatment will always be met up to the annual limit. However, by picking this policy you’ll have to stick with the same insurer and pay your premium each year
A vital aspect of kitten insurance is making sure it provides both indoor and outdoor cover. For older cats outdoor areas can generate lots of claims – for example, they can get stuck in a tree. But for small moggies indoor cover can be just as essential given the range of dangers which your kitten may face

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