Cat Health Insurance – What to Expect

If you’ve never had cat health insurance before, you need to know what sort of cover you can expect as companies and policies can vary tremendously. The one constant is that most companies won’t accept a cat over a certain age (usually eight years old) and neither will they cover pre-existing conditions. There will also be exclusions; read these carefully.

Basic Cover

This is what you can expect from a basic cat health insurance policy:

• The cost of the vet examining your cat
• Tests including blood tests, x-rays, ultrasound and MRI
• Costs associated with surgery, in-patient treatment including nursing

Some kittens can inherit defective genes from their parents and these may show up in later life. Treatment can be expensive so this cover can be important, particularly if you have a pedigree animal.

Genetic and Breed-Specific Conditions

Coverage for genetic or breed-specific conditions can include:

• Hereditary liver amyloidosis, which leads to liver failure
• Dilated cardiomyopathy, a condition that reduces the heart’s ability to contract
• Haemophilia b, a hereditary bleeding disorder
• Hip dysplasia
• Hypertrophic cardiomyopathy which causes enlargement (hypertrophy) of the heart muscle

There are all sorts of other hereditary diseases in cats, so make sure that your policy does cover genetic and breed specific conditions.


Cover for cancer should include:

• Diagnosis and tests
• Radio therapy
• Chemotherapy
• Surgery, hospitalisation and nursing care
• Rehabilitation

Alternative Therapies

Alternative therapies are known to help treat cancer, allergies, epilepsy and post operative orthopaedic pain. The Embrace Pet Insurance policy covers:

• Chiropractic
• Acupuncture
• Homeopathic
• Holistic
• Veterinary orthopaedic manipulation (VOM) and massage therapy
• Therapeutic Laser Treatment
• Hydrotherapy
• Rehabilitation

Emergency and Specialist Cover

Make sure that your cat has emergency and specialist cover which your normal vet can’t provide. With Embrace Pet Insurance you get:

• Emergency and urgent care hospitals
• Orthopaedic specialists
• Oncologists
• Ophthalmologists
• Radiologists
• Internal medicine experts
• Rehabilitation, physical therapy, or hydrotherapy facilities
• Or any other specialist or ER veterinary facility

Optionally, with an Embrace Pet Insurance policy you can get cover for prescription medication and wellness rewards covering annual check ups, vaccinations etc.

So make sure that you have the right cat health insurance so that your cat can always receive the treatment he needs when he needs it.


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