Your kitten comes with a 5-week free insurance policy from Agria Pet Insurance and we have included a cover note in with your kitten documents. We strongly recommend that you continue this policy beyond 5 weeks and arrange to do so well before the policy has run out to continue your kitten’s lifetime cover.
We pay an additional premium to add Breeding Risks Cover to the policies for our queens. The benefit that we can pass on to you is that our kittens have life cover from birth, not from the time they leave for their new homes. When you take out any pet insurance policy you will be required to declare any medical history – our Breeding Risks Cover ensures that any conditions we may have claimed for will not be added as exclusions to your policy.
The relevant paragraphs from the Agria/GCCF website that explain this are copied below.
See https://www.gccfinsurance.co.uk/ for more details.
Breeding Risks Cover
Breeding risks cover is the first step in ensuring that all your litters can be protected for every step of their journey. This optional benefit can be added to the mum’s lifetime policy. Not only does this cover protect the mum but it also protects her litter whilst in your care. And, if you make a claim under your breeding risks benefit before the litter is sold, you can still issue Five Weeks Free insurance and the new owner can convert their free cover to an annual policy – without exclusions being added.
Vital Protection for your Litters
Provide your puppies or kittens with the vital insurance cover they need for the first 5 weeks in their new homes with free insurance. This gives you peace of mind knowing that your litters will be protected during those vulnerable first weeks. The new owners of your puppies or kittens can then continue their free insurance onto one of our lifetime policies. Also, if they do decide to continue their policy, any conditions diagnosed during those 5 weeks will continue to be covered for as long as the policy remains active.
Lifetime cover means that, once a condition starts and the claim has been accepted, claims can continue to be made for that condition each year, as long as a policy remains active. This means that, if a condition should start during the 5 week free insurance period, as long as an annual policy begins immediately after the free cover expires, that condition can be covered for the rest of the pet’s life.
You will probably see online that Agria offers a small financial incentive (£10) to breeders who issue their free policies, when a free policy is converted to a full policy. We will donate any amounts received to our local cat rescue charity and will provide a receipt for any donations we make in respect of any policy you upgrade.
Do research insurance carefully and make your own informed choice what to do. We’ve had no issues with Agria (who provide GCCF cover) but there are plenty of others out there. Do make sure to understand the difference between life policies which will continue to support treatment of a condition year on year compared to those that only operate on a year-to-year basis.
One aspect to be aware of is that all insurers talk to each other and share risk data electronically between them. As such it’s important to be honest with them as the alternative is that you might become flagged as potentially withholding information, which insurers consider to be fraudulent behaviour – and this can lead to issues with other types of insurance not even related to pets.
Next: One-Off Procedures