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Attention cat owners: This is how you can optimally protect your velvet paw!
Discover important information about cat health insurance: types, costs and recommendations for optimal protection for your cat.
Attention cat owners: This is how you can optimally protect your velvet paw!
Veterinary visits can quickly become expensive for cat owners, especially if they have operations or chronic illnesses. Therefore, the decision to take out pet health insurance is becoming increasingly important. Cat owners can choose between surgical cost insurance and full health insurance to protect themselves against high financial burdens. Loud chip.de Stiftung Warentest examined a total of 59 surgical cost insurance policies and 78 comprehensive health insurance policies for cats in the 12/2022 edition of Finanztest.
In this comparison, 16 of the 59 surgical cost insurance policies achieved a very high level of performance, while 19 were rated at a high level. It is important to note that insurance premiums depend on various factors, such as the type of ownership (e.g. indoor cat versus outdoor cat) and the age of the cat.
Important information about insurance
Another aspect that cat owners should consider is the maximum entry age and the annual premium increases that apply to many policies. While high-performance surgical insurance is available for less than 100 euros per year, comprehensive health insurance costs more than three times this amount. This shows that choosing the right insurance is an urgent necessity as veterinary costs are expected to rise in the coming years. Experts expect a price increase of an average of 20% in veterinary medicine, due to a new fee schedule for veterinarians that came into force on November 22, 2022.
Stiftung Warentest has analyzed the various policies in detail and the test results are important for cat owners. The top recommendations for surgical cost insurance include, for example, Agila OP-Kosten-Exclusive, which covers the full costs without a deductible, and Allianz TK Kleintiere Komfort 100%, which offers comprehensive protection without a deductible.
Top recommendations for policies
| Type of insurance | Name of the insurance company | Details | Annual contribution |
|---|---|---|---|
| Surgery cost insurance | Agila surgical costs exclusive | Covers full costs without any deductible | 288€ |
| Surgery cost insurance | Allianz TK Small Animals Smart 100% | Maximum reimbursement €7,500, costs covered up to 4 times the GOT rate | from 137€ |
| Comprehensive health insurance | Agila animal health protection exclusive | Covers operations, outpatient treatment, no deductible | Depending on the tariff |
| Comprehensive health insurance | Allianz TK Small Animals Smart 100% + HB 2000 | Reimbursement of up to €2,000 per year for outpatient treatment | Depending on the tariff |
Important points when taking out cat health insurance include the differences between surgical insurance and full insurance, the reimbursement rate, the fee schedule for veterinarians (GOT), and checking waiting times and exclusions. Some insurers exclude treatments for congenital diseases and reimbursements may be limited to maximum amounts per year, as by test.de highlighted.
In summary, it is crucial for cat owners to be well informed and choose the right insurance so that they do not have to fight high veterinary bills in the event of an emergency. The current test results provide valuable guidance.