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Siamese Cat Insurance

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Siamese Cat Insurance Comparison Made Easy!

Siamese cats or Thai cats are among the gorgeous breeds. They are recognised by their blue almond eyes and pointed coats. Being purebred, Siamese cats can face different hereditary health issues in their lives. As a Siamese cat owner, you should be responsible for their health and well-being.

Siamese cat insurance provides a financial cushion for routine healthcare and unforeseen medical expenses. The right insurance plan offers your Siamese cat the best care during accidents and illnesses. It also allows you to invest more time bonding with your furry friend.

Siamese Breed Information

Siamese cats are medium-sized cats that weigh around 6-14 pounds. This breed can live up to 15-20 years. You can easily distinguish them with their slender, muscular bodies, large ears, and striking blue almond eyes. They have short hair coats that need minimal grooming. Siamese cats are highly social, vocal, and affectionate, so they have strong bonds with their owners.

A fun fact about Siamese cats is the colour-point patterns due to a temperature-sensitive enzyme. It results in darker fur on their cooler parts of the body. Siamese kittens are quite active so kitten insurance for them is a must-have.

Health Issues in the Siamese Cat Breed

Siamese Cat in home lawn UKWe must all be in love with your furry friend. Despite all the charm, Siamese can develop different health conditions that you should monitor to diagnose early. However, Siamese cat’s pet insurance covers all of them

Mediastinal Lymphoma

Mediastinal lymphoma is a type of cancer that affects the lymph nodes in the chest. Siamese cats might get this cancer more often. If a cat has it, they might have trouble breathing and feel really tired. It’s important to find and treat this cancer early to help the cat feel better.


Asthma is pretty common in Siamese cats and can show up as wheezing, coughing, or trouble breathing. Things like smoke, dust, or certain sprays can make it worse. To manage asthma, cats might need medication and should avoid things that trigger their asthma.

Progressive Retinal Atrophy

Progressive Retinal Atrophy (PRA) is a genetic problem among Siamese cats. It causes their vision to slowly lose. Unfortunately, there is no cure for it, however, cats with PRA can still live trouble-free. They get used to their surroundings even as their eyesight gets worse.

Hip Dysplasia

Hip dysplasia is common in this breed and affects the hind legs. It’s painful and cats can hardly move during this condition. You can recognise it if your cat is trying to lick or chew the hip area.


During amyloidosis, accumulations occur in the liver and kidneys. The liver can rupture which leads to excessive bleeding. Your cat may feel weakness, fatigue, vomiting, abdominal pain and diarrhoea.

Feline Hyperesthesia Syndrome

Feline Hyperesthesia Syndrome is also known as rolling skin disease. The condition usually shows up as anxious scratching or biting near the base of the tail. You might also see the skin on their back ripple or roll. These signs come in episodes, and the cats usually return to normal afterwards.


Strabismus or crossed eyes is a common birth defect in Siamese cats. A kitten’s eyes might not cross until they are 6-8 weeks old. This happens because the nerves from their eyes to their brain are abnormally connected.

What are the Benefits of Siamese Cat Insurance?

Siamese cat insurance is beneficial for the cat as well as the owner. It not only guarantees good medical care for your cat but also saves you from the burden of vet bills.

Comprehensive Coverage

Siamese cats can have health problems like Progressive Retinal Atrophy and Systemic Amyloidosis. Insurance helps cover the costs of these breed-specific treatments and tests.

Financial Protection

Vet expenses can add up quickly for regular shots or surgeries. Being a cat owner, you only need to pay affordable monthly premiums. However, Siamese cat insurance will free you from financial distress during any unexpected condition.

Support for Chronic Conditions

Siamese cats are likely to develop asthma or feline hyperesthesia syndrome. These chronic health issues need regular medical care. Siamese cat insurance specifically covers the treatment costs for all chronic diseases.

Freedom to Choose Specialists

Pet insurance plans offer reimbursement options. It allows you to pick a vet of your choice and reimburse for the expenses. In this way, your cat can receive the care from your trusted veterinarians.

Reduced Stress for Cat Owners

Cat insurance frees you from the worries of high vet and surgery costs. So you can get the best possible cure for your cat’s condition that is also lighter on your pocket.

Coverage for Alternative Treatments

Your cat may need alternative treatments like acupuncture and physiotherapy. These treatments are helpful during conditions like Hip Dysplasia. Insurance plans cover the costs of these expensive treatments.

Different Types of Cat Insurance

There are four main types of Siamese cat insurance available. Cat owners can choose one depending on the coverage level and price. Moreover, many insurance providers offer extra grooming and regular check-up plans.

Accident-Only Insurance

Accident-only insurance gives basic coverage for injuries due to accidents. However, it does not cover illnesses or routine vet care. Still, it is the most cost-effective option if you are concerned about your mischievous kitty.

Time-Limited Insurance

Time-limited insurance covers injuries and illnesses typically for 12 months. This type of policy is suitable for short-term conditions. It’s actually a cheaper way to get your cat insured for accidents and diseases.

Maximum Benefit Insurance

In the Maximum Benefit or Per Condition policy, you can get a fixed amount for each illness or injury. Once it reaches the maximum limit, your Siamese will no longer be covered for that particular condition.

Lifetime Insurance

It is the most comprehensive coverage for your cat’s ongoing conditions throughout its life. However, you have to renew the policy every year. With Lifetime cat insurance, you can rest assured because your cat is protected from any mishap.

Factors Affecting the Cost of Siamese Cat Insurance in the UK?

  • Age of the Cat: Generally, the older the cat, the higher the insurance premium, as older cats are more prone to health issues.
  • Health History and Pre-existing Conditions: A Siamese with a history of illnesses or known pre-existing conditions may incur higher premiums due to increased risk.
  • Level of Coverage: Comprehensive plans covering everything from accidents to illness and routine wellness care cost more than basic accident-only policies.
  • Deductible Amount: Higher deductibles can reduce monthly premiums but increase out-of-pocket costs for claims.
  • Location: Geographical location affects insurance costs because veterinary care prices vary regionally.

How to care for a Siamese cat?

Despite having Siamese cat insurance, you should be aware of this breed’s specific needs. Siamese cats get sick without proper care and grooming routines.

Optimal Diet

Siamese cats need a high-protein diet because they are very energetic. Add meat to their food which provides them with Omega-3 and Omega-6 fatty acids. This high protein, low carbohydrate diet keeps their coat shiny and healthy. However, you should not introduce them to corn, wheat or any other human food.

Exercise Regimen

Siamese cats can develop obesity without proper exercise to burn off their fat. You should get interesting toys like laser pointers or feather wands so they can stay active. Puzzle feeders, cat trees, and scratch posts are also good options to engage them.

Health Monitoring

The Siamese cat breed is vulnerable to developing chronic genetic conditions. Therefore, it’s important to regularly take them to a vet. Vets usually will do genetic testing for purebred cats to identify any potential health risks.


Brush your Siamese cat regularly to keep their coat smooth and remove loose hair. They usually have short coats, so grooming is easy and doesn’t take much time.

Safe Environment

Make sure your home is safe for your cat. Keep harmful plants and chemicals out of reach. There shouldn’t be any small objects that they can engulf.

What to Look for Before Buying Siamese Cat Insurance?

A wrong insurance decision can put your savings and your cat’s life in danger. Therefore, always think twice and consider a few factors before deciding on one.

Coverage Details

Check what the insurance covers. Does it include only accidents and illnesses, or does it also cover preventive care, vaccinations, and routine check-ups? Understanding the coverage limits and exclusions is crucial.

Deductibles and Premiums

Higher deductibles usually mean lower monthly premiums, but more out-of-pocket expenses during a vet visit. See if excess and premiums fit your budget.

Reputation and Reviews

Always choose a reputable insurance provider over the cheaper insurance for Siamese cats. Read customer reviews and check their response rate and ease of claim processing.

Customization Options

Siamese cats are prone to some breed-specific illnesses. Make sure that the insurer offers flexibility in terms of coverage so you can customise the coverage according to the needs of your whiskered buddy.

Multi-Pet Discounts:

If you have more than one cat, you can qualify for the multi-cat insurance discounts. This can help reduce the overall cost of insurance because you can get up to 20% discounts on bundle policies.

Frequently Asked Questions

How long do Siamese cats live?

Siamese cats typically have a lifespan of about 15 years. With proper care, a balanced diet, regular exercise, and consistent veterinary check-ups, some cats can enjoy 20 years of healthy life.

Do Siamese cats shed?

Siamese cats have short fur and are known to shed less than other breeds. However, they still shed. Regular brushing can help minimise shedding and keep their coat healthy.

Are Siamese cats talkative?

This breed is renowned for its vocal nature. They often communicate with loud meows and are more talkative than many other breeds. They always try to tell the owners about their needs and feelings.

Can I get cat insurance for pre-existing conditions?

Generally, Siamese cat insurance does not cover pre-existing conditions. It’s best to secure insurance for your Siamese cat while they are young and healthy to ensure more comprehensive coverage.

Are Siamese cats born cross-eyed?

Siamese cats can be born with a genetic predisposition to being cross-eyed. This trait is linked to the same gene that gives them their unique coat colour. The cross eyes sometimes go better as the cat grows.

When do Siamese cats stop changing colour?

Siamese cats typically reach their full colour at about one year old. Their colour changes depending on body temperature; cooler parts of their body grow darker fur.

I have more than one cat – can I get a multi-pet discount?

Many insurance providers offer discounts on multi-pet insurance. This can be a cost-effective way to ensure that all your pets are covered. You can even get a 20% discount for adding a new pet to the existing policy.

Why are some cat breeds more expensive to insure than others?

Some cat breeds are susceptible to certain genetic conditions or health issues. There are more chances of vet checkups that can result in higher claims. That’s why Spynx cat insurance, Maine Coon insurance, and Ragdoll cat insurance are quite expensive.

Does Siamese cat insurance cover dental treatment?

Most of the time, dental treatments are not included in the insurance policy. Although your cat is protected from dental injuries due to accidents, you can get an extra grooming plan for regular dental checkups.

Does cat insurance cover travel for Siamese cats?

Siamese cat insurance policies vary in their coverage for travel-related incidents. It’s important to review your policy or speak to your provider to understand what is covered, especially if you travel frequently with your pet.

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