If you’re a Republic of Cats regular, you already know how crucial a well-balanced diet is. That said, even the most nutritious food can’t prevent every surprise, like a sudden vet visit, a mysterious limp, or an accidental dental crack. That’s where pet insurance steps in: to give you peace of mind when the unexpected happens.
Below is a friendly, cat-focused guide explaining how insurance complements great food, prevention, and good instincts, featuring Waggel’s lifetime-cover strengths.
What pet insurance actually covers and what it doesn’t
Accidents, illnesses, broken teeth, or mystery fevers, insurance helps shoulder the financial side of cat care when the unexpected hits.
With Waggel, you get Lifetime cover that resets each year, and you choose an annual limit that suits your cat’s lifestyle.
Dental cover is included up to £1,000 per policy year, alongside support for behavioural and complementary treatments.
It’s worth noting that routine care like vaccinations, flea treatments, and grooming are not included; insurance is designed for the unpredictable, not the planned.
Dental care: More urgent than you think
Cats are experts at masking pain. Issues like cracked molars, gum disease or resorptive lesions can escalate fast. Dental procedures can be costly, which is why it helps when insurers include them.
Waggel’s Lifetime policy includes dental cover for accidents and illness, giving you support when your cat needs it most. Just make sure you keep up with regular check-ups to stay eligible.
24/7 video vets: Your “should we worry?” fallback
Waggel members get free access to Joii’s online vet service 24/7. It’s ideal for those “should I call the vet?” moments that come up at the worst possible times, like midnight or a Sunday afternoon. It can save you a trip to the clinic or give you clarity on when urgent care is needed.
How to pick the right cover
Start by choosing an annual limit that matches your cat’s needs. Curious kittens and outdoor adventurers tend to benefit from higher limits, while indoor seniors might need steady long-term cover.
Adjusting your excess (the portion you pay when you claim) can also help you manage your monthly premium. And the sooner you insure, the better.
Anything that shows up before your policy starts or within the waiting period won’t be covered later, so it pays to act before issues appear.
If you’re new to insurance, Waggel’s guide on Cat Insurance is a great place to start.
How claims work
Once you’ve submitted a claim, Waggel works directly with your vet to gather invoices and history. Most straightforward claims are processed in around 7 days, though more complex cases may take longer depending on how quickly your vet responds. It’s designed to be as stress-free as possible, letting you focus on your cat.
In summary
High-quality nutrition from Republic of Cats gives your feline a great foundation. Add regular dental check-ups, vaccinations, and routine vet visits to prevent avoidable issues. Then layer in lifetime insurance to protect you both from the things you can’t plan for.
If you’re looking for a modern, flexible provider, Waggel’s homepage is a good place to start. You can learn everything their Lifetime policy includes, like dental cover, behaviour support, and 24/7 video vet access, all tailored around real life with cats.
