Pedigree Cat Insurance

Pedigree Cat Insurance

Do you constantly worry about your Pedigree cat’s health and unexpected vet expenses? Well, that’s a sign of you being a responsible owner. Purebred cat owners need to take extra care of their feline as they are more susceptible to specific health conditions. Who knows when a quick checkup will end up in a long list of tests and treatments?

Pedigree Cat Insurance shares the cost of your pet’s treatment. Your cat will get immediate access to the best care that they deserve. From routine health checks to ongoing treatments or surgeries, a cat insurance plan prepares you for all kitty issues. That’s why getting pet insurance for cats guarantees joyful and healthy years with your furry friend.

What is a Pedigree cat?

Pedigree cats are purebred kitties that are registered with official cat bodies. They come with legal papers where their ancestral history is recorded and organised. A pedigree cat’s history must meet specific breed standards that outline their features and personality.

Pedigree cats are the celebrities of the cat world. They are especially featured in cat shows and breeding programs that talk about their breed’s unique features. However, you can’t get them into a cat show without the required breeding documentation. Therefore, buy a pedigree cat from a reputable breeder who provides verified ancestral documentation.

You should know that pedigree cats are expensive due to their distinct features. Moreover, they require careful breeding under set conditions.

Popular Pedigree Cat Breeds in the UK

Each pedigree cat breed has unique traits and an exciting history. British cat lovers choose a pedigree cat depending on its personality and appearance. The following are the most popular pedigree cat breeds in the UK:

• British Shorthair: They are known for their attractive features. The dense, plush coat and broad face specifically bring them to the top. Additionally, British shorthairs are calm felines, and you can easily handle them. They quickly attach to their humans, which makes them an ideal companion. This cat breed is generally healthy and playful, which adds to its popularity.
• Bengal: Many people prefer a cat full of fun with distinctive features. The Bengals are their go-to option. They were developed from wild leopards and domestic cats. They inherited vibrant fur patterns and energetic personalities from their wild ancestors. Bengal cats happily engage in family activities, so they are easy to train.
• Siamese: Siamese cats captivate your heart with their striking blue eyes. Their sleek coats have contrasting colour points on their ears, faces, paws, and tails. This cat breed is loved for being intelligent and affectionate. They can quickly form strong bonds with their owners. Siamese are very vocal and always ready to “chat” with their human companions.
• Ragdoll: Ragdoll cats are cherished for their striking blue eyes and silky fur. They were named Ragdoll because they often go limp when held. These affectionate cats are ideal companions for people who want a calm pet. Still, they follow their owners around the house and love cuddles.
• Persian: Persian cats have luxurious coats and distinctive smooshed faces. They have a calm and dignified personality. Just like their nature, they prefer peaceful environments to stay relaxed. Persians are less active and often enjoy lap time.

Why Do Pedigree Cats Need Pet Insurance?

Pedigree cats undoubtedly bring a lot of joy into our lives with their amazing personalities. But owning a purebred cat means you might face some challenges. Pedigree cats are bred to meet specific breed standards. This selective inbreeding increases the chances of genetic defects. So, purebred cats are at risk of heart, kidney, and respiratory problems.

It means any medical issues of your pedigree cat can cost you an arm and a leg. Well, you don’t need to panic. Pedigree cat insurance and kitten insurance spreads the vet fees and surgical costs. Moreover, your furry friend will get immediate access to advanced treatments.

Common Health Conditions in Pedigree Cats

Purebred cats are more vulnerable to certain diseases. It’s your responsibility to know about potential health risks before you buy one.

Respiratory Issues

Respiratory issues are common in cats with short faces, such as Persians and Himalayans. Their anatomical structure caused a narrow nasal cavity and a flattened face. Therefore, your feline can face difficulty breathing along with snoring and wheezing.

In severe cases, the affected cat starts panting, coughing, and feeling hot. Vets try to manage these breathing conditions by maintaining a healthy cat weight. Owners will need to keep their place clean and cat-safe. However, critical cases require surgical intervention to widen the nasal passages.

Heart Health Concerns

Purebred cats are susceptible to various cardiac diseases. Hypertrophic Cardiomyopathy (HCM) is the most common issue. In this condition, the cardiac muscles become thick, and the heart fails to pump blood efficiently. Maine Coons, Ragdolls, British Shorthairs, and Sphynx cats are particularly affected.

Regular vet checkups are necessary to detect HCM through echocardiograms. Although pedigree cats can develop other heart-related conditions like dilated cardiomyopathy (DCM) and congenital heart defects, they are quite rare.

Joint and Bone Issues

Pedigree cats inherit joint and bone-related diseases like Hip Dysplasia. In this condition, the hip joint grows abnormally, which causes pain and difficulty walking. It is more common in Maine Coon and Persian cat breeds. In addition, Scottish Fold cats are affected by Arthritis, where their cartilage grows abnormally due to genetic mutation.

Likewise, Munchkin cats can develop osteochondrodysplasia, which results in shortened limbs and other joint problems. Sadly, bone and joint problems are not completely curable. However, your feline can live a healthy life with dietary changes, weight management, and physiotherapy.

Retinal Atrophy

Progressive Retinal Atrophy (PRA) causes the retina cells to deteriorate and die, which gradually leads to blindness. This genetic condition is most commonly seen in certain pedigree breeds such as Abyssinians, Persians, and Siamese.

Your cat will face night blindness to total blindness as the disease advances. As the disease is incurable, the quality of life is improved by providing a safe environment. Genetic testing is available for breeders to avoid this disorder in future generations.

Neurological Disorders in Purebreds

Neurological disorders in pedigree cats encompass a range of conditions that affect the brain, spinal cord, and nerves. Common issues include epilepsy, cerebellar hypoplasia, and hydrocephalus.

1. Epilepsy mostly affects British Shorthair cats and causes seizures. The condition is managed with ongoing medication.
2. Cerebellar Hypoplasia is particularly noticeable in Scottish Folds. It leads to uncoordinated movements and tremors, which is why the affected cats appear clumsy.
3. Hydrocephalus is commonly seen in Persians. Fluids accumulate in the brain and affect neurological function.

Vets rely on neurological exams and MRIs to diagnose brain diseases. However, they can only manage symptoms to improve the cat’s quality of life.

Renal and Urinary Tract Health

Renal and urinary tract issues are common in Pedigree cats because of their specific genetic makeup. For instance, Persians, Himalayans, and Ragdolls are affected by polycystic kidney disease (PKD). In PKD, fluid-filled cysts appear in the kidneys. These cysts lower the kidney function and can lead to kidney failure.

Pedigree cats also suffer from urinary tract problems, such as feline lower urinary tract disease (FLUTD). It causes blockages and inflammation.

Benefits of Pedigree Cat Insurance

You may not feel the need for insurance for Pedigree cats. However, pet insurance is quite beneficial, and there’s no guarantee that your cat will need it.

Comprehensive Coverage for Breed-Specific Ailments

Pedigree cat insurance provides comprehensive coverage according to the needs of purebred cats. It protects your furry friend against breed-specific ailments, genetic conditions, and hereditary diseases. With this insurance, your cat receives the necessary care and lives a healthy life.

Easier Access to Specialist Care

Most of the Pedigree cat health issues are genetic. So, your cat may need to visit veterinary specialists for certain conditions. However, specialist care is really expensive. Insurance protects your cat and provides access to expert care.

Financial Support

With pedigree cat insurance, you don’t need to worry about your tight budget. It covers your paw buddy for unexpected medical expenses so they can receive the best care. So, you can focus on your pet’s quick recovery rather than worrying about finances.

Support for Routine Health Maintenance

Many cat insurance companies in the UK have wellness and preventive care add-ons. It includes

regular vet checkups, vaccinations, and preventative treatments. These precautionary measures help prevent serious cat health issues.

Peace of Mind

Pedigree pet insurance gives you peace of mind. Purebred cat owners can relax because they are financially prepared for any medical situation`. So enjoy your time with your pet without worrying about vet bills.

Types of Pedigree Cat Insurance

There are four main types of insurance available for Pedigree cats. Owners can choose one that best suits their cat’s needs and budget.

Accident-Only Insurance

Accident-only cat insurance is the most basic and cost-effective option. It covers your whiskered buddy in case of injuries from accidents. It includes injuries from falls, fights, or a car accident. This type of insurance is good for active cat breeds that are more likely to get into a mishap. However, you will have to pay out of pocket if your cat gets sick.

Time-Limited Insurance

This type of insurance covers your pedigree cat for accidents and illness. Nevertheless, it only lasts for a specific period, usually 12 months after a specific condition is diagnosed. Once the period is over, your cat will no longer be covered. Time-limited cat insurance is the right choice for short-term illnesses.

Maximum Benefit Insurance

Maximum benefit cat insurance offers a fixed amount for each condition your cat may experience throughout its lifetime. Once the limit is reached, the condition is no longer covered. You can renew the policy each year to reset the fixed funds. It’s ideal for managing long-term or ongoing health issues in cats.

Lifetime Insurance

Lifetime coverage is the most comprehensive car insurance. It covers a pedigree cat for accidental injuries, illnesses, and surgeries. The policy limits are reset annually. Lifetime insurance is best for purebred cats as they face life-long genetic conditions. Nonetheless, it is more expensive than other policies.

How to Choose the Best Pedigree Cat Insurance?

Choosing the right cat insurance is more than just comparing prices. It should meet the specific needs of your feline friend so they can receive the best health care.

Assess Your Cat’s Specific Needs

Analyse your cat’s potential health risks and other needs. For example, Persian cats get respiratory issues, while a Maine Coon is at risk for heart disease. So, you should look for plans that offer extensive coverage for a specific condition.

Compare Coverage Types

There are different types of Pedigree cat insurance, and each one has its limitations. If your cat is young and healthy, an accident-only will be enough. However, some breeds can inherit chronic diseases, so a lifetime plan is appropriate to cover long-term health problems.

Check for Breed-Specific Exclusions

Some cat insurance policies exclude breed-specific conditions. Always read the fine print to understand the policy. It will save you from confusion when you need to make a claim.

Consider the Costs

Research premiums, deductibles, co-pays, and coverage limits deeply. A lower premium might attract you, but high deductibles can increase out-of-pocket expenses when you file for a claim.

Read Customer Reviews

Know about the reputation of an insurer from online reviews. Check out their official website and other review forums. It’s better to learn from other’s experiences rather than a bad experience yourself.

Cost of Pedigree Cat Insurance in the UK

The cost of pedigree cat insurance in the UK isn’t fixed. It varies depending on the following factors:

• Cat Breed: Some breeds face more genetic conditions, which ultimately raise the cost of insurance.
• Age: Senior cat insurance is expensive due to potential health risks, while it’s cheaper to insure a young, healthy kitty.
• Location: Veterinary costs are different depending on your area. Vets charge more in urban areas.
• Type of Coverage: The actual amount of Pedigree cat insurance also varies with the type of insurance you want.
• Excess Rate: Higher excess rates mean cheaper premiums. But the owner will pay more to clear the vet bills.

How to File a Faster Claim for Pedigree Cat Insurance?

Making a claim isn’t something to worry about. You should follow a few steps to file for a quick and successful claim.

Gather All Necessary Documentation

Keep all the required documents at hand before filing a claim. For instance, your cat’s medical records, detailed invoices from the veterinary clinic, and other relevant paperwork to support your claim. Organised paperwork can significantly speed up the process.

Understand Your Policy Details

Understand what is covered in your policy, the deductibles, and the process for submitting claims. It is crucial to file your claim correctly the first time. As a result, there will be no delays due to incorrect or incomplete information.

Use Online Claims Processing

Many insurance companies offer the facility to make a claim online. Online submissions are quicker than traditional mail-in methods.

Keep Communication Lines Open

Once you have submitted your claim, stay in touch with your insurance provider. Respond promptly to any requests for additional information or clarification. This proactive communication can help keep your claim moving through the system.

Consider Direct Vet Billing

Many cat insurance agencies offer direct vet billing options. It speeds up the claims process and reduces your upfront out-of-pocket expenses.

Frequently Asked Questions

Are pedigree cats more expensive?

Pedigree cat insurance usually costs more than non-pedigree cats due to their confirmed breed lines and rarity. These factors make them a pricier option for people interested in specific breeds.

Are pedigree and purebred cats the same thing?

Almost yes. “Pedigree” and “purebred” terms are used interchangeably for the cats whose parents were the same breed. However, a pedigree cat has lineage documents that confirm their ancestral history.

What should I look for when buying a pedigree cat?

When buying a pedigree cat, pick a reputable breeder who provides health clearances for genetic conditions. Verify the pedigree documentation crucial for registering with cat associations and securing appropriate cat insurance for pedigree cats.

How do I know if a cat has a pedigree?

To determine if a cat is a pedigree, check for registration papers from a recognised cat registry like the Governing Council of the Cat Fancy (GCCF). These documents confirm the cat’s breed standards and lineage. Additionally, you can seek verification from a reputable breeder or consult a veterinary professional.

Do purebred or pedigree cats have more health problems?

Purebred cats often have more health problems due to their limited gene pool, which increases the risk of inherited diseases. Breeds like Persians and Bengals may be prone to specific genetic conditions.

How long do pedigree cats live?

Pedigree cats typically live between 12 to 15 years. However, it depends on the breed, health care, and genetics. Some breeds, like the Siamese, can live into their twenties if well-cared-for and free from major health issues.

Are pedigree cats more expensive to insure?

Yes, pedigree cats are generally more expensive to insure than non-pedigree cats. This is because they are vulnerable to genetic and specific breed-related conditions. It increases the risk and potential cost of veterinary care covered by pet insurance.

What’s the difference between a moggie and a crossbreed?

A moggie is your typical house cat without a pedigree, with mixed or unknown ancestors. It’s usually a domestic short-haired or long-haired cat. On the other hand, a crossbreed comes from intentionally mixing two different pedigree breeds to blend the best traits.

Is there an age limit for insuring pedigree cats?

Many insurers set age limits for initiating new policies, often around 8 to 10 years old. However, they offer customised insurance plans for older cats to fulfil their medical needs during their last years.

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