Cat insurance

Cat insurance

The animal health insurance for cats / cat insurance offers you as a cat owner insurance cover for illnesses of your cat.
Regardless of whether your cat needs treatment due to an illness, an accident or even an operation, the cat health insurance covers the veterinary costs incurred. In the case of an operation, the aftercare is of course also included in the scope of benefits of the cat insurance.

Depending on the insurer, the medically necessary treatments of your cat are subject to a benefit limit. In our Basic variant, the benefit limit is 2,500 EUR per year. In the Classic and Optimal Care variants of our cat insurance for cats, there is an upper limit of 5,000 EUR and 10,000 EUR respectively per year; all medically necessary veterinary costs are covered by the insurance.

Scope of services

Here is a brief overview of the scope of benefits of cat insurance:

  • Healing treatments
  • Diagnostics
  • Surgery costs
  • Medicines

Diagnostic imaging procedures such as X-ray, CT or MRI are also covered.

Cat breeds


Depending on the breed of your cat, diseases such as corneal necrosis in the eye or a heart defect are particularly important for you as a cat owner. These diseases are included in some animal health insurance tariffs. If you would like advice on the typical treatment costs specifically for your cat's breed, please contact us. Our team of veterinarians and insurance experts will be happy to take care of you and your pet.

For our insurance cover, it does not matter whether your cat is an outdoor or an indoor cat - with us, all cats get the same insurance cover at the same price.

Protection abroad

Even on holiday, cats are sometimes our faithful companions - that's why it's important that veterinary health insurance policies also reimburse veterinary costs abroad. All insurers have their own regulations in the area of foreign protection. In our tariffs, the foreign protection is always covered and this up to 12 months abroad at a time. So if you are planning a longer stay abroad, this is no problem.

Prescription feed

The Classic Care and Optimal Care tariffs provide for proportional coverage of the cost of prescribed special food such as diet food, food for allergy sufferers, etc. The Classic Care and Optimal Care tariffs also cover the cost of food for allergy sufferers.

Old cats

Often, older cats from the age of 8 are no longer included in cat insurance policies. This is different with the cat insurance from doc4pets- Versicherung powered by Smart Paws. You can find more information about this under: Insurance for old cats

What is not insured?

Pre-existing conditions: We will not pay for any costs associated with the diagnosis or treatment of any illness or injury which occurred or showed symptoms prior to the commencement of cover.
Pregnancy or infertility: Costs related to pregnancy, preeclampsia or infertility are excluded.
Routine or preventive treatments such as vaccinations, flea, tick or worm treatments, grooming, preventive dental treatments or weight control treatments.
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Overview of tariffs Cat health insurance for cats younger than 8 years of age

Of course, with doc4pets powered by Smartpaws insurance, you can also have your pet treated by any other vet and are not tied to our practices!

As you can see below, with our partner Smartpaws you have the choice between Three tariff classes (Optimal, Classic and Basic). It is understandable that you want the best possible care for your cat. However, this does not necessarily mean that you should always choose the most expensive tariff. Why?

  • On the one hand, young cats usually do not need as much veterinary care as older cats (e.g. pancreatitis).
  • partly this is also a question of the attitude - free-rangers come certainly more often into the embarrassment of scuffles, foreign bodies or car accidents, than pure house cats.
Therefore our tip - if you are unsure whether you need a cat health insurance at all, then rather choose a lower tariff - you can upgrade with us at any time!

To give you a better idea of the average treatment costs you might have to pay, we have listed some examples here:

Average costs for veterinary treatments for the cat

  • General examination approx. 45 EUR
  • Amputation of the sphincter approx. 650 EUR
  • CT teeth cat (Stw. FORL) approx. 340 EUR
  • Remove foreign body from nose / throat (granules etc.) approx. 230 EUR
  • Blood count approx. 120 EUR
We offer your pet lifelong insurance cover (scroll to the right to view the Basic Tariff on mobile devices).   
 
TariffOptimal Care Classic Care Basic Care  
Annual aggregate limit to cover the following10.000 € 5.000 € 2.500 €  
Veterinary consultation and physical examination, diagnosis, treatment including cost of surgery, care and medications for any illness, disease or injury - including hereditary or congenital conditions. √ √ √  
        
Complementary therapies recommended by your vet, including physiotherapy, hydrotherapy, acupuncture and chiropractic.√ √ √  
          
Emergency dental treatment due to accidental injury or as a side effect of serious illness or injury. √  √ √  
           
Your insurance cover also takes effect for important emergency treatment while travelling abroad. √  √  √  
Prescription feed40% up to € 250 p.a. 20% up to € 150 p.a. X  
        
★ Reimbursement according to the veterinary fee schedule - 3-fold GOT rate (4-fold GOT rate for emergencies)  
★ ★ EXCLUSIVE: In each insurance year in which you do not submit an invoice, you will receive a 15% discount on the premium for the following year.  
   
★ ★ ★ For each new diagnosis in an insurance year, you only pay the first € 100. The € 100 deductible must be paid again per insurance year.  
              
What is not insured?       
Pre-existing conditions: We will not pay for any costs associated with the diagnosis or treatment of any illness or injury which occurred or showed symptoms prior to the commencement of cover.  
Pregnancy or infertility: Costs related to pregnancy, preeclampsia or infertility are excluded.  
Routine or preventive treatments such as vaccinations, flea, tick or worm treatments, grooming, preventive dental treatments or weight control treatments.  
Insurance for old cats
> 8 years
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