Optimal protection for your cat
Comprehensive protection for your feline friend: The cat health insurance from nextsure covers vet costs and ensures financial security in case of illness or accident involving your cat. Plan ahead optimally and find an individual tariff now.
Comprehensive Protection
Fair Contributions
Digital Processing
Why cat health insurance is indispensable
Financial Security
Best medical care
Worry-free Cat Care
Protection against high costs
What services does the cat health insurance cover?
Unexpected vet visits can heavily burden cat owners financially. A comprehensive cat health insurance from nextsure offers reliable protection here. The core benefits include covering costs for outpatient and inpatient treatments at the vet or in the animal clinic, including necessary operations with anaesthesia, medication, and aftercare. Diagnostic measures such as X-rays, ultrasound, and laboratory tests are usually covered as well. Many policies also include preventive services like subsidies for vaccinations, worm treatments, or health checks to keep your cat healthy in the long term. nextsure values transparency: In our digital tariff comparisons, you can see in detail which specific services such as 'cat insurance for treatment', 'cat operation costs according to GOT', or 'dental treatment cat cost coverage' are included in the respective tariff. Always pay attention to the exact conditions and any exclusions to choose the optimal protection for your furry friend.
Our Service Promise
Optimal protection for your cat
Veterinary costs
Covers the costs for outpatient and inpatient treatments at the vet or in the animal clinic, ensuring your cat always receives the best care.
Surgical Protection
Covers the often high costs of necessary surgical procedures, including anaesthesia, medication during the hospital stay, and important follow-up examinations.
Medication
Reimburses expenses for doctor-prescribed medications, remedies, and medical aids, as well as bandaging materials that contribute to the recovery of your cat.
Diagnostics
Includes the costs for imaging procedures such as X-rays and ultrasound, as well as laboratory analyses that are essential for accurate diagnosis.
Vorsorge Plus
Many plans provide financial support for important preventive measures such as vaccinations, regular deworming, or health checks for your cat.
International Protection
Provides reliable insurance coverage even for temporary trips abroad, ensuring your cat receives medical care in emergencies worldwide.
Free Choice
You decide which veterinarian or veterinary clinic you entrust your cat to – nationwide and often beyond the borders.
Digital-Service
Manage your contract conveniently online, submit invoices digitally, and benefit from a fast, transparent claims process.
Top Tariffs
Benefit from attractive terms, flexible tariff options, and an excellent value for money tailored to your needs.
Individual, digital and transparent – discover the benefits of cat health insurance from nextsure.
Carefree through the daily life with your cat
Calculate your rate now!
Cost factors: What affects the premium of your cat health insurance?
The premium for your cat health insurance is determined by various factors that you need to understand in order to find suitable and affordable coverage. A key aspect is the age of your cat at the time of contracting; younger animals are typically cheaper to insure. The breed can also play a role, as certain pedigree cats may have a higher susceptibility to specific diseases. Your cat's current health status and any pre-existing conditions are also relevant, as they could lead to benefit exclusions or risk surcharges. The chosen scope of coverage is crucial as well: pure surgical protection is cheaper than comprehensive cover that includes outpatient treatments. The level of agreed excess directly affects the premium—a higher deductible reduces the premium. nextsure helps you transparently compare these 'cat health insurance costs' and find a plan that fits your budget and your cat's needs. Use our digital comparison for 'affordable cat insurance rates'.
Surgical Protection vs. Full Protection: Which option is right for your cat?
When choosing the right pet insurance for cats, you often face the decision between pure surgery cover and full cover. As the name 'Cat Surgery Insurance' suggests, surgery cover focuses exclusively on covering the costs of operations, including associated expenses such as anaesthesia, hospital stays, and aftercare. Advantage: It is usually significantly cheaper. Disadvantage: Costs for non-surgical treatments, diagnostics unrelated to surgery, or medication for chronic conditions are not covered. Full cover, on the other hand, offers more extensive insurance protection for your cat. It covers both surgical costs and costs for outpatient and inpatient treatments that do not necessarily require surgery – for example, infections, skin diseases, or metabolic disorders. This 'Comprehensive Cat Protection' is more expensive but provides greater financial security. The choice depends on your risk tolerance, budget, and your cat's individual health risk. Nextsure transparently presents the differences so that you can make the best decision.
The most common cat diseases and their treatment costs
Cats, just like humans, can be affected by various illnesses, with treatment costs quickly escalating. Among the 'most common cat diseases' are chronic kidney disease (CKD), which often requires lifelong treatment. Dental issues such as FORL (Feline Odontoclastic Resorptive Lesions) are also widespread and can lead to costly extractions or treatments – the 'cost of dental treatment for cats' can easily run to several hundred or even over a thousand euros. Diabetes mellitus, hyperthyroidism, or injuries from accidents (e.g., broken bones) are other examples associated with significant 'veterinary costs for cats'. An examination and treatment of a kidney disease can initially and over time incur high costs for diagnostics, medication, and special diet. A pet health insurance from nextsure protects you from these financial burdens and ensures that your cat always receives the best possible medical care.
Waiting times in cat health insurance: What you need to know
An important aspect when taking out cat health insurance is the so-called waiting periods. 'Wartezeit Katzenversicherung' refers to the period directly after the contract starts, during which there is no entitlement to benefits for certain events. This regulation serves to protect the insured community from abuse, such as taking out insurance for a known or foreseeable illness at short notice. The duration of the waiting periods varies depending on the insurer and the plan. General waiting periods of about one to three months are common for illnesses. For accidents, the waiting period often does not apply, or it is very short. For specific benefits, such as hereditary diseases or joint disorders, longer waiting periods may apply. It is crucial to carefully check the 'Bedingungen Katzenkrankenversicherung'. nextsure provides you with transparent information about the respective waiting periods of the offered plans.
Dog Liability Insurance
Protection for four-legged friends
Animal Surgery Protection
For Dogs & Cats
Equine Surgery Protection
Safety in the Stable
How to Find the Best Rate: Comparing Cat Health Insurance
Finding the 'best cat health insurance rate' requires careful comparison of various offers. Don't just pay attention to the price, but especially to the scope of coverage. Important criteria for the 'cat insurance comparison' are: coverage for medical treatments, operations, preventive services, and diagnostics. Check the reimbursement rate (e.g. up to what rate of the fee schedule for veterinarians - GOT), annual maximum limits, the amount of the deductible, and any exclusions. How long are the waiting periods? nextsure offers you a clear, digital comparison calculator that transparently displays these aspects and helps you find the 'online cat insurance' that best fits your needs and those of your cat. Our portal makes it easy for you to choose the right protection.
Cat health insurance for older cats: Special features and options
Taking out a 'cat insurance for old cats' can be associated with certain particularities. Many insurers have maximum age limits for new policies, often between 7 and 10 years. If your cat is older, the range of available policies becomes smaller, and the premiums for a 'senior cat insurance' tend to be higher. A health check or a veterinary certificate may be required, and pre-existing conditions more often lead to exclusions from cover. Nevertheless, insurance is sensible even for older cats since costly treatments become more likely. Some providers offer special policies, or pure surgery cover may be an option. Generally speaking: the earlier you insure your cat, the better. nextsure helps you to explore suitable insurance solutions even for your 'cat aged 8 years and older'.
Freigänger vs. Indoor Cat: Differences in Insurance Coverage
The living conditions of your cat – whether as an 'outdoor cat' or a 'house cat' – influence its risk profile. Outdoor cats are exposed to higher risks: accidents, fights, poisonings, or parasite infestations are more common, which can lead to specific veterinary costs. For an 'outdoor cat insurance', comprehensive coverage that adequately covers accidents is particularly important. House cats have a lower risk of accidents but are more prone to age-related ailments, chronic diseases, or breed-specific problems. Although most standard plans do not explicitly differentiate, you should consider your cat's specific risks when choosing a policy and adjust the coverage accordingly. nextsure advises you on the optimal coverages, whether your cat is exploring the world or prefers to stay at home.
From what age can I insure my cat?
nextsure revolutionises the way to your cat health insurance as a digital insurance portal. Our focus is on a fully digital experience – from comparison to completion and management of your contract. You can 'complete your cat insurance online', conveniently from home, without paperwork. Our intuitive online calculator allows you to compare rates transparently. After completion, you can easily manage your 'digital cat insurance' through our secure customer portal. Claims submissions, such as submitting vet bills, are also done quickly and easily online. This seamless digitalisation, combined with expert advice, is part of our mission at 'nextsure online insurance portal', to offer you tailored and easily understandable solutions.
