When choosing a pet the cost of insurance is often a hidden cost. To avoid any surprises it is a good idea to look into potential health issues and insurance costs before picking up your new pet. We will soon be welcoming a couple of new furry additions to our family so I’ve been doing a little research. This article will tell you the types of pet insurance available, what the insurers take into account when calculating your quote and finally, I’ve included some example quotes for reference. All of this will hopefully give you a better understanding the cost of pet insurance for the Maine coon breed of cat.
What are the types of pet insurance available?
There are three main types of pet insurance available. These are:
Accident only – this will only cover for injuries as a result of an accident and is therefore the cheapest form of pet insurance. This is not recommended as if your pet becomes well for any other reason then the bill from the vet will not be covered. This is especially important for a pedigree cat such as a purebred Maine coon. As majestic as they are, many Maine coon bloodlines now contain genetic abnormalities which can result in some serious medical conditions. There are several medical conditions that every Maine coon owner needs to be aware of but this is a whole article in itself.
Time limited – this type of cover includes cover for accidents but also covers for illness too. The ‘time limitation’ refers to new medical conditions. Any new medical condition will be covered for 12 months from diagnosis or until the policy limit has been reached, whichever comes first. The medical condition will then be classed as ‘pre-existing’ and will need to be taken into account when your insurance renewal comes around.
Lifetime cover – this is the most comprehensive form of cover. New medical conditions will be covered up to the policy limit and then again be classed as ‘pre-existing’ and will no longer be covered during that policy year. Once the policy has been renewed you can re-start claiming cover for the condition, but again only up to the limit stated on the policy.
What is not included in pet insurance?
There are a number of routine treatments that every pet will need at some point and these are not included in pet insurance. These include:
- Worming and flea treatment
- Treatments for teeth
- Management of claws
A healthy pet will require these treatments, some on a regular basis, therefore you will need to factor in these costs when you are planning to add a pet to your family.
What factors will affect the cost of insurance for my Maine coon?
There are several factors which will affect the cost of pet insurance for your new furry friend.
Is this a purebred cat? – as I mentioned before, pedigrees are more likely to develop genetic health conditions. You may not even be aware of this as some will not manifest until the cat is much older. Cross-bred cats are less likely to develop these problems as the genetic defects can be bred out of them when new genes are introduced during the breeding process.
What gender is the cat? – unfortunately male Maine coons are more likely to develop health problems than their female counterparts. The cost of insurance reflects this. It’s not a drastic difference but it may affect the decision about which gender you choose to buy if you are still in the information gathering stage.
Is this an indoor cat or can they go outside? – this relates to the likelihood of your beloved pet having an accident. Indoor cats will not come into contact with vehicles for example. An indoor pet will have a lower pet insurance.
Does the cat have a microchip? – if the cat is lost or injured, can they be identified?
How old is the cat? – as with any breed of cat the older they are, the more likely they are to develop health problems.
How much did you pay for the cat? – some policies will pay out the price which you bought your pet for, or might be able to sell it for, if they should die below a certain age (usually around the age of 7-8 years).
Do they have any previous health issues? – if you declare that your cat has pre-existing health problems then this will inevitably push up the price of insurance. Failure to declare these health problems runs the risk of the insurance being invalidated should you make a claim. Honesty is always the best policy in this situation, even if it means that you have to pay a little more up front.
Sometimes insurers will also make certain assumptions when quoting you for pet insurance. They will often assume that the cat does not have aggressive tendencies and has been fully vaccinated (and that these will be kept up to date). They will also assume that this animal is going to be living in a family home rather than a commercial premises and that the building is not licensed to sell alcohol.
Examples of Maine coon insurance costs
These examples are just to give you a rough guide of what to expect in terms of pet insurance costs. The quotes are for UK pet insurance and therefore are in GBP (correct as of September 2019). If you do not live in the UK then I would recommend that you still take a look at these figures and just take notice of the difference in cost for each of the scenarios rather than their face value. Hopefully this will help you to make a decision about the specifics of the Maine coon you might be looking to add to your family.
A pure-bred Maine coon kitten aged around 3 months. They were bought from a breeder for around £500, have been neutered and chipped and are not being kept indoors.
|Female||Time-limited||£7.00||£100||Max £3500 per condition (condition only covered that year)|
|Male||Time-limited||£7.00||£100||Max £3500 per condition (condition only covered that year)|
|Female||Maximum Cover||£5.50||£99||Max £1000 per condition per year|
|Male||Maximum Cover||£9.20||£99||Max £1000 per condition per year|
You will notice the difference in cost here between the male and female quotes when it comes to covering conditions for life. As mentioned before male Maine coons are more likely to develop certain medical conditions.
A pure-bred Maine coon aged 3 years, rescued from a shelter (£50 donated). They have been neutered and chipped and are not being kept indoors.
|Female||Time-limited||£7.00||£99||Max £3000 per condition (condition only covered that year)|
|Male||Time-limited||£7.00||£99||Max £3000 per condition (condition only covered that year)|
|Female||Maximum Cover||£5.80||£50||£1000 per condition per year|
|Male||Maximum Cover||£8.20||£50||£1000 per condition per year|
A Maine coon cross-breed kitten, bought for £100. They have been neutered and chipped and are not being kept indoors.
|Female||Time-limited||£4.70||£99||Max £4000 per condition (condition only covered that year)|
|Male||Time-limited||£5.95||£99||Max £4000 per condition (condition only covered that year)|
|Female||Maximum Cover||£5.40||£50||£1000 per condition per year|
|Male||Maximum Cover||£6.90||£50||£1000 per condition per year|
Also bear in mind that this is for an outdoor cat. If you make an inquiry with an insurance company and specifically state that your cat is an indoor cat then they should be able to offer you a slightly cheaper quote as the risk of accidental injury is reduced.
Now obviously these are only a few scenarios and may not relate directly to your coon, but I do hope that this article has given you some food for thought and a better understanding of pet insurance in general. Also, quotes change every year so make sure you are comparing quotes regularly to make sure that you get yourself the best deal out there.