It is important to read insurance documents with care to make sure that you select a policy that will suit you and your cat.

• Some policies have a time or cost limit for the treatment of each particular condition. With these there is a danger that your cat will run out of insurance cover if it requires long-term treatment for a chronic problem.
• Make sure that your cat will be covered for the whole of its life because animals are more likely to need veterinary treatment as they get older.
• Consider the amount of time and effort that will be needed to make a claim. A good insurance company will process most claims within two working days of receiving the documents from your vet.

Before choosing a policy think about:

1. The level of cover you require:

  a.Are you prepared to pay a high level of excess in order to reduce premiums.

  b.Are you looking for cover to avoid one off large bills (in which case a policy which only covers conditions for a year from diagnosis may be suitable as most costs will be covered early in the diagnosis).

2. Whether you require lifetime cover.

3. Whether you require additional services from the policy (third-party cover, recovery costs, death benefits).