Below you will find the most reputable insurance organizations for your cat in Malta
Company: Atlas
Generall information:
Core Coverage: The primary goal of the policy is to provide owners with the security of obtaining the best possible treatment for their pet. Coverage explicitly includes vet, surgical, and hospital fees.
Plans Offered: The company offers comprehensive coverage across two main tiers: the Essential plan and the Premier plan.
Ease of Enrollment: In most cases, a medical examination is not required before insuring the pet, simplifying the enrollment process.
Extended Benefits: The policy provides cover for several specific, non-medical situations:
Advertising and reward costs if the insured pet goes missing.
Damages or injuries caused by the pet to third parties (if the owner is legally responsible).
Holiday cancellation fees if the pet develops a life-threatening medical condition.
Pet sitting fees if the owner is hospitalized.
Discounts: A 10% discount is offered on renewal when insuring more than one pet under the same policy.
Contact Number: (+356) 2343 5363
Company: Laferla
Generall information:
Core Coverage (Basic Plan): The basic level of cover is focused on accidents and specific liabilities. It includes compensation for the value of the pet in the event of accidental death or theft. It also covers veterinary care costs resulting from an accident.
Third-Party Liability: The basic plan includes cover for legal expenses and third-party liability (damages/injuries caused by the pet).
Welfare Coverage: The basic policy also covers the costs of the pet’s stay in a kennel or cattery if the owner is hospitalized, as well as the cost of advertising for a lost pet in the media and the associated reward.
Illness Option (Extra Protection): Laferla offers an additional level of coverage that includes veterinary expenses due to illness. This optional add-on reimburses reasonable veterinary fees such as tests, surgery, anesthesia, and hospitalization up to a maximum limit of €1,000 per policy period.
Claims Process: The company emphasizes a quick process with a 7-Day Claims Settlement Promise and the ability to submit claims easily online.
Targeted Accidents: Examples of covered accidents include run-overs, traffic accidents, falls from heights, ingestion of foreign bodies, and dystocial delivery or caesarean sections.
Contact Number: (+356) 2122 4405
(+356) 2124 0828
(+356) 2124 6340
Company: PostaInsure
Generall information:
Core Coverage (Basic Plan): The basic plan primarily covers veterinary expenses for your cat or dog resulting from accidents, compensation in the event of theft or loss of your pet, and costs related to the pet’s death or euthanasia due to an accident. Additionally, if you (the owner) are hospitalised, the policy provides support for the cost of your pet’s stay at a kennel or cattery.
Third-Party Liability: Protects you if your pet causes injury to someone or damages their property, covering legal costs and compensation up to the policy’s limit, as long as you’re legally responsible and the insurer approves the claim.
Welfare Coverage: Provides support for your pet’s well-being by covering veterinary expenses for accidents, theft or loss, necessary euthanasia, kennel or cattery stays if you’re hospitalised, and third-party liability, with optional add-ons for illness and travel coverage.
Illness Option (Extra Protection): If added, this option covers veterinary fees arising from sickness or illness (such as tests, surgery, anaesthesia, hospitalisation) up to €1,000 per policy period.
Claims Process: To file a claim, submit a completed claim form along with supporting documents via email. Processing typically takes up to 30 working days.
Targeted Accidents: typically refer to specific, high-risk incidents that are covered under the policy.
Contact Number: (+356) 2559 8000
Email: insurance@postainsure.com
Company: MAPFRE
Generall information:
Core Coverage (Basic Plan): MAPFRE pet insurance usually covers medical treatments related to accidents or illnesses your pet might experience. This can include surgeries, diagnostic tests, hospital stays, and medication.
Third-Party Liability: This is particularly useful if your pet causes harm to another person or their property. MAPFRE’s pet insurance can cover the costs associated with legal liability, such as medical costs or repairs to property.
Routine Checkups: Some policies may cover preventive care such as vaccinations, deworming, and annual checkups. However, this might be an additional add-on rather than part of the standard plan.
Illness Option (Extra Protection): The Illness Option (Extra Protection) in MAPFRE pet insurance provides additional coverage that can be added to your standard plan for extra protection in case of illness. This option covers chronic conditions like diabetes or arthritis, specialized treatments such as physiotherapy or acupuncture, long-term medications, and surgeries related to illness (not just accidents). It typically offers higher coverage limits and fewer exclusions for illness, making it ideal for pets with specific health needs or higher illness risks.
Claims Process: To file a MAPFRE pet insurance claim, you submit treatment documents to MAPFRE for review. If approved, they reimburse you based on your policy. Claims should be submitted promptly, as there are deadlines.
Target Accidents: Examples of covered accidents include car accidents, bone fractures, bite wounds, poisoning and burns or cuts
Contact Number: (+356) 2124 6262
E-mail: mapfre@middlesea.com
Company: MelitaUnipol
Generall information:
Core Coverage (Basic Plan): MelitaUnipol pet insurance usually includes veterinary care for accidents, compensation for theft or loss of your pet, coverage for death or euthanasia due to accidents.
Third-Party Liability: MelitaUnipol Pet Insurance includes compensation for your legal responsibility if your pet causes bodily injury or property damage to a third party, as well as coverage for legal defence costs, subject to insurer approval and the policy’s maximum limit.
Illness Option (Extra Protection): This additional coverage helps cover veterinary expenses related to illnesses, such as treatments, diagnostics, and surgery, up to a specified limit, offering extra protection beyond accident-related care.
Claims Process:To file a claim, notify MelitaUnipol, submit the required documents (claim form, veterinary invoices, medical reports), and they will assess the claim. If approved, you’ll receive reimbursement according to the policy terms.
Target Accidents: Covers specific high-risk accidents, such as injuries from vehicle collisions, fights with other animals, or ingestion of foreign objects, providing reimbursement for veterinary costs related to these incidents.
Contact Number: (+356) 2206 7000
E-mail: agency@muia.com.mt
Protecting Your Feline Friend: A Guide to Cat Insurance
The decision to adopt a cat comes with a long-term commitment to their health and well-being. While routine veterinary care is manageable, unforeseen accidents or chronic illnesses can lead to sudden, high-cost vet bills that cause significant financial stress. Cat insurance is a proactive financial tool designed to mitigate these risks, allowing owners to focus on their pet’s recovery rather than the expense.
Understanding the Need
Cats are masters at hiding pain and illness, meaning problems often become serious before they are detected. Diagnostic tests, emergency surgery, or ongoing treatment for conditions like diabetes or kidney disease can quickly cost thousands of dollars or euros.
Insurance offers a financial safety net, providing peace of mind that you can afford the best available care—from emergency procedures to advanced diagnostics—without having to make difficult choices based on your budget.
Types of Coverage
Most cat insurance plans fall into one of three categories:
- Accident-Only Plans: These are the most basic and affordable, covering costs related only to injuries such as broken bones, poisoning, or wounds. They do not cover illness.
- Accident and Illness Plans: This is the most comprehensive and popular option. It covers accidents, as well as treatment for illnesses, infections, hereditary conditions, and chronic diseases.
- Wellness/Routine Care Add-Ons: These are supplementary packages that cover preventative costs like annual check-ups, vaccinations, and flea/tick prevention. They are usually optional additions to an accident and illness policy.
Key Policy Terms
Before selecting a plan, owners must understand the following essential terms:
- Deductible: The amount you must pay out-of-pocket before the insurance coverage begins to reimburse you.
- Reimbursement Level: The percentage of the covered veterinary bill that the insurer pays (typically 70% to 90%).
- Annual Limit: The maximum amount the insurance company will pay out over the course of one policy year.
- Waiting Periods: All policies have a brief period after enrollment during which accidents or illnesses are not covered. This prevents people from buying insurance only when they suspect a problem.
The Importance of Age
It is generally recommended to insure your cat while they are young and healthy. Policies enrolled when a cat is a kitten are usually less expensive over the cat’s lifetime. Crucially, insurance will not cover pre-existing conditions—any injury or illness diagnosed before the policy was purchased or during the waiting period. Enrolling early ensures the widest possible coverage for future conditions.
Ultimately, cat insurance is a way to manage the financial uncertainty of pet ownership, ensuring your beloved cat receives prompt and high-quality care whenever they need it most.
