Finding the right cat insurance is often more important if you have a pedigree breed because purebred and pedigree cats are not only more expensive to buy but also more prone to developing conditions passed down from their parents. Insurance will be more expensive due to this but it could prove worthwhile.
Contents of this guide
Like with most things, there are different definitions of what a pedigree cat is. whilst some define a cat’s parents are both from the same breed then the cat is classed as a pedigree too. Whilst other have a stricter definition which needs the cat to have a documented family tree and document signed to confirm its pedigree status.
The UK’s most popular pedigree cats in the country are:
When taking out pet insurance be sure to understand your chosen provider’s definition of pedigree so you can make sure you answer the questions accurately.
Pedigree cats are defined as: “Parents are of the same breed”
Crossbreeds are defined as: “Parents of two different breeds”
Mixed breed are: “Parents of three or more different breeds”
Standard cat insurance policies cover you against costs of vet treatment for your pedigree cat. They also come with a number of elements to the cover that might be particularly useful for pedigree cat owners.
Pet insurance can be categorised into 5 categories listed below from typically least to most comprehensive:
Due to the cost of pedigree cats as well as them being a much loved member of the family, lifetime cat insurance is usually the preferred option for the comprehensiveness of the cover which protects against congenital and hereditary conditions should they arise.
If those hereditary conditions have already affected your cat, and you wish to protect those, then pre-existing conditions cover could provide the cover you need.
Insurance for pedigree cats will be more expensive than it is for moggies, due to those congenital conditions that often affect pedigree breeds.
Our latest price check (20/05/2021) has shown the following cost of cover.*
|Policy type||Monthly price|
|Accident only (£3,000 limit)||£2.93/month|
|Time limited (£3,000 limit)||£7.07/month|
|Maximum benefit (£8,000 limit)||£10.22/month|
|Lifetime benefit (£7,000 limit)||£13.35/month|
*Cover based on £4,000 cover limit for a 42 month old male Siamese cat living in Ely, Cambridgeshire.
Aside from the pedigree breed you have other major things that impact the price you receive are:
Nearly all pedigree cats will in some way be susceptible to hereditary conditions. We’ve taken a look at the top 10 pedigree breeds mentioned above and looked at their most common hereditary conditions: