Cat Insurance UAE
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What is Cat Insurance in the UAE?
Types of Cat Insurance
1) Accident Only Cat Insurance
This is the cheapest form of pet insurance for cats. The policy covers the vet bills only if the pet is injured in an accident. It does not cover any illness or infection.
2) Time-Limited Cat Insurance
This type of insurance covers illnesses and accidental injuries for a limited period, i.e., 12 months. You can make only one claim for a particular condition during this period. You will not be covered if the policy limit is reached within this period or if the same condition reoccurs after this period.
3) Maximum Benefit Cat Insurance
This policy covers illnesses and injuries up to a fixed limit. It does not have any time limit for making claims. This type of insurance is useful for pets suffering from chronic conditions.
4) Lifetime Cat Insurance
This type of animal insurance for cats offers the most comprehensive coverage and is usually the most expensive plan. The policy remains valid for the pet’s lifetime if you renew it every year. You get coverage for diseases and injuries up to the policy limit every year. This limit is reset upon renewal.
How Does Cat Insurance Work?
Why is it Important to Buy Cat Insurance in the UAE?
Vet bills are expensive and escalate year on year. Cat Insurance UAE offers protection to pet owners from hefty bills and enables them to provide the best medical care without worrying about the cost. Cat insurance also reimburses the cost of advertising (and rewards) incurred by pet owners to find a lost/stolen cat.
Lack of insurance may cause emotional and financial distress to pet owners as they have to bear these expenses from their pockets.
How Much Does Cat Insurance Cost in the UAE?
The premium for cat insurance is not uniform across insurance providers. It depends on several factors such as the cat’s age, breed, health condition, and the type of policy. However, you can pay the premium through convenient monthly installments and the basic plan starts at around AED 90 per month.
What is Covered Under Cat Insurance?
- Veterinary Bills : This includes the cost of laboratory testing, vet doctor’s consultations, hospital stay, surgery, and medicines
- Advertisement Cost : The expenses incurred by pet owners to locate their lost or stolen pets are reimbursed by the insurer. This includes the reward offered to people who can help find the pet.
- Death : Some insurance plans offer a fixed sum if the pet dies during the policy period. The policy also pays for the funeral and bereavement counseling charges.
What is Not Covered Under Cat Insurance?
- Routine Care : Vet insurance for cats typically does not cover the cost of vaccinations, health checkups, and vaccinations
- Pre-existing Medical Conditions : Any disease, infection, or injury that exists at the time of purchasing the policy shall not be covered for treatment subsequently
- Dental Treatment : The expenses of dental treatment are excluded unless the treatment is required for accidental injuries
- Pregnancy : Cat insurance does not cover the charges related to the pet’s pregnancy and newborn care
Cat Insurance Add-On Covers
Death
This is similar to purchasing life insurance for cats. The policy pays a fixed sum upon the death of your pet cat.
Boarding Charges
This cover pays for the expenses of pet care if you need to house them elsewhere during situations such as your travel, sickness, family events, etc
Travel Insurance
You can travel abroad with your cat and protect yourself with this additional cover for pets
Trip Cancellation
A sudden illness or injury to your pet cat may force you to cancel your pre-planned trip. This loss will be reimbursed if you purchase the trip cancellation cover.
How to Choose the Right Cat Insurance?
Check whether the claim is paid in full or if you have to share a certain percentage. Sharing the claim inevitably raises the cat insurance cost for pet owners.
If you have more than one cat, look for a multi-pet policy that covers all your pets under a single plan
Pet health insurance for cats must cover specific medical conditions of your pet cat.
If budget is a constraint and you cannot afford higher premiums every year, you can choose a basic entry-level plan and expand the coverage in the future.
Compare the plans of top insurance providers by requesting their quotes for your requirements. Choose a plan offering maximum benefits at an optimal premium.
Buying a kitten insurance plan at an early age can help pet owners get good coverage at a lower cost.
Why is Senior Cat Insurance More Expensive?
How to Keep Your Cat Healthy and Happy?
Schedule annual visits to the vet for a thorough checkup and stay up to date with the pet’s vaccinations.
Get the cat microchipped to track it easily when it strays off or gets injured due to outdoor accidents. Keep the pet safe from danger.
Make sure you feed the pet a balanced diet appropriate to its age, breed, and health factors. Take the vet’s advice for a special diet, if any.
Regular grooming keeps the cats in good condition, and they love being pampered. This also helps to spot health and behavioral problems early on.
Get the female cat sprayed or neutered before four months to prevent unwanted pregnancy. Neutering also helps male cats to tone down their aggression and get into ‘cat’ fights.
Read and educate yourself about the cat’s breed. This helps you deal with specific problems by spotting them in advance.
Play with your pet cat every day. This keeps the pet active and strengthens its bonding with you and other family members.
How to Buy Cat Insurance?
Visit the official website of Prominent Insurance Brokers. Enter your details in the pet insurance quote form.
Once you provide all the required details in this form, click on the ‘Submit’ button.
One of our executives will soon get in touch with you. Our team of experts will guide you to buy the right cat insurance plan. You can make the payment online.
Frequently Asked Questions on Cat Insurance
Yes. You can insure a cat by purchasing a cat insurance or a pet insurance policy. This policy covers your vet bills and other expenses, such as finding a lost or stolen pet.
No. Vet insurance for cats generally does not cover routine care, health checkups, and preventive treatment.
The earlier, the better. Insurers often charge higher premiums for older cats. You can purchase pet insurance for kittens as young as eight weeks.
Basic cat insurance covers vet bills to treat your cat’s illness or injury. This includes the cost of diagnosis, consultations, hospitalization, surgery, and medicine. Additionally, the policy may cover the cost of advertising or rewards to find a missing cat.
Yes. But the premiums could be higher as older cats require more medical care. Some insurers may have other restrictions on upper age limit and coverage benefits.
Yes. Multi-pet policies cover more than one pet under a single plan. This reduces the paperwork and the premium vis-a-vis purchasing multiple policies.
A rescue cat is one that finds a new home after being abandoned or abused by its previous owner. Rescue cat insurance is a type of policy that covers the veterinary bills if the rescue cat needs some medical assistance to recuperate.
No. Most cat insurance plans in the UAE do not cover vaccinations and other preventive care programs.
