Is it necessary to ensure the health costs of your cat?

The end of life of Mademoiselle Pompom has put her in contact with a veterinarian many times, first for her operation of the nipple, then to cure the pneumonia that finally took her to August. And it would probably have had to remake an operation if it had managed to survive, because the second nipple had developed the same tumor (I learned on occasion that in the pussies, it is very common, there is an internal nipple linked to the outer nipple, explained to me the veterinarian, and it is absolutely necessary to remove both in case of cancerous tumor).

In a way, Miss Pompom had a lot of chances, because she suffered little time, every time.

But I wondered what would have happened if she had had a disease requiring care over a long period of time? The progress of medicine is also applied to animals, veterinary clinics offer more and more advanced care … and more and more costly. In case of falling, meeting with a car, with a hunter, a cat can have injuries that require many operations. And what a heartbreak not to “be able to follow”, and to say that if we had had a little more money, we could have saved his hairy?

With the arrival of Sahel, Tana and Caramel, so I asked myself the question of insurance: Three cats, it is three times more costs simply, two sterilizations, a castration, three vaccines, deworming, the need to treat all cats in case of fleas, ringworms, etc. So the budget is clearly not the same as for a cat alone.

Cat Insurance works as a “health supplement” for both legs

The mechanism of a cat insurance is exactly the same as a private insurance for humans, except that there is no basic “social Security”:

A list of types of care, with reimbursement rates

Deductibles (an amount not reimbursed)

Conditions on the animal: The cat must be healthy, and not too old

And, of course, contributions

From there you have to make a large Excel file, to try to compare the prices. We can put the basic prices of certain operations that will be systematically done:


Sterilization operations

Or on the contrary, the follow-up of a pregnant cat, if one wishes to give it small

The deworming

The annual maintenance visit, if all goes well

For other costs (sickness, accident) It is more difficult, but one can make several assumptions “if I have to pay €500, €1,000, €2,000 How much do I get reimbursed”.

Also, for breeders or both paws like me, the issue of “family fare” is important.

Some examples of veterinary costs

To help you make your chart, here are some “standard” costs. You can also negotiate with your veterinarian, or if you have little means, go through an association or a veterinary school, but it allows you to set up your comparison table:

The visit to the veterinarian

It all depends of course on its equipment, where you live … but a visit to a vet is between €30 and €200 for the most equipped clinics!


TCLR vaccination (typhus, Coryza, enzootic, rabies) costs between 50 and €70 per injection, or 100-140 € in the first year, and then a reminder each year (with the possibility of avoiding the rabies vaccine if the hairy does not come out).

Sterilization and castration

This costs twice as much for females (120 to €170) as for Cats (70 to €80). It is recommended to do so in all cases unless you absolutely want your pet to reproduce. First because an accident quickly arrived (especially in times of heat,) a cat will be more prone to run away, and because it is proven that to operate a kitten before its first heat, or at least before the age of two years, protects it from cancer of the uterus and udders. For a male, the sooner he’s operated, the more we avoid behavioral problems.

The Worm

About €40 in the first year, then €15 per year. Indispensable to protect the cat and the animal!

Analysis and disease

As with both legs, the analyses will cost in €50 and €100 on average. A breast tumor ablation will cost in the 500 to €650 if everything goes well. For a cancer, you have to count between 1,200 and €1,500 for a session.


The specific medicines for animals are quite expensive, because the costs of research and development are not amortized on the same volumes as for humans.


In addition, all veterinary care and medicines are subject to normal VAT (20%), whereas for humans, VAT is only 5.5%

Find your insurer

You’re armed to search your insurer. There are now a lot of offers

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