When a cat needs an operation, high costs arise quickly and can surprise many cat owners. Cat surgery insurance (Katzen-OP-Versicherung) is designed to cushion the financial burden of operations, so owners can make the best choice for their pet without money limits. In a medical emergency, cost should play no part. Only the cat's wellbeing counts.
Cats can need surgery for many different reasons: a swallowed foreign object, a broken bone after a fall or accident, removal of a tumour, a caesarean birth or a urinary tract procedure in a male cat. The list of possible procedures is long. In Germany, such operations cost anywhere from a few hundred to several thousand euros depending on complexity, plus anaesthesia, hospital stay and aftercare. Anyone who does not plan for these costs can quickly run into financial trouble.
Cat surgery insurance differs from full cat health insurance in that it focuses only on operations. This usually makes the monthly premium lower, while still giving important financial support if an operation is needed. For cat owners who want cheaper cover without giving up protection altogether, it is an option worth considering.
Cat surgery insurance is especially worth having for owners of outdoor cats, because these cats face a higher risk of accidents, and for owners of breeds that tend to develop certain conditions requiring surgery. But even with indoor cats, a sudden emergency can call for immediate surgery. Then every hour counts, and money should not have to be part of the question.
When choosing cat surgery insurance, cat owners should look at the sum insured, the waiting period after taking out the contract, any exclusions and the reimbursement rate. A close look at the small print is worth it, to understand which procedures are insured and which may be excluded.
We help you weigh the pros and cons of different offers and find the right product for your cat. That way you do not have to lose time searching for the right cover when you need it.
Cat surgery insurance benefits
Cat surgery insurance pays for necessary operations resulting from accident, illness or developmental disorder. The cover includes the operation itself with anaesthesia, surgical materials, inpatient stays at the animal clinic and aftercare.
Typical insured benefits: payment of costs for operations (outpatient and inpatient) after accident, illness or developmental disorder. Diagnostics on the last examination day before the operation, when the need for surgery was established. Follow-up treatment after the operation within the insured period. Dental treatment and surgical treatment of the mouth (from the Smart tariff). Surgical neutering or spaying (from the Smart tariff). Telemedicine and online consultation as per the insured benefits. Free choice of vet and animal clinic, and direct billing. Cover abroad worldwide for up to 12 months during a temporary stay abroad. Basic preventive care (vaccinations, worming, microchip implantation). Prostheses and implants. Orthoses and aids. Physiotherapy as aftercare. Emergency service fees. Costs of euthanasia for incurably ill animals.
