Russian blue

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  Vet fees

  Your Policy Expert cat insurance helps with eligible vet bills for accidents and illnesses, up to your annual limit. Given that Russian blues can live for up to 20 years, it is worth considering a higher annual vet fee limit to account for the potential cost of managing age-related conditions such as kidney disease, diabetes or hyperthyroidism over the long term.

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  Complementary treatment

  Complementary treatment is not included with Bronze. Silver includes up to £1,000 and Gold up to £2,000, where treatment meets the policy requirements.

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  Dental cover

  Bronze excludes dental care, Silver covers dental care for accidents up to £2,000, and Gold covers dental care for accidents and illness up to £2,000, subject to policy terms.

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  Farewell cover

  Farewell cover might be part of your policy - check your schedule to be sure. If you have it, we'll cover the original purchase or donation price if your pet passes away, subject to limits, age conditions and exclusions. Russian blues are a sought-after pedigree breed, so it is worth recording the purchase price accurately in your quote.

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  Emergency boarding

  Is included with Silver and Gold only, subject to the hospital stay and other policy conditions. Silver provides up to £600 and Gold up to £1,200.

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  Missing pet cover

  Silver and Gold include missing pet cover. You'll get up to £50 for local advertising and up to £250 as a reward. Bronze doesn't include this.

Your pet insurance policy won't cover everything. Here's what's excluded:

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  Pre-existing conditions

  This means any health issues your Russian blue had before the policy started, including known problems, symptoms, existing illnesses or injuries, related conditions, bilateral conditions and certain spinal disc issues. For Russian blues, this is particularly relevant given their predisposition to conditions such as polycystic kidney disease and progressive retinal atrophy. Taking out cover before any symptoms appear gives you the best chance of a new condition being eligible, but all claims will still need to meet the policy terms.

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  Routine treatments are not covered

  That's things like vaccinations, regular health check-ups, dental check-ups, and any preventative or cosmetic treatments. Russian blues can be prone to weight gain, so regular vet check-ups and dietary management are recommended - but these routine costs fall outside the scope of pet insurance.

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  Behavioural treatment

  Bronze policies don't include cover. Silver and Gold policies include up to £1,000 if the behaviour change is caused by a mental or emotional disorder that your vet has diagnosed.

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  Pregnancy and breeding-related costs

  Pregnancy, breeding and cosmetic procedures are not covered under your pet insurance policy.

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  Injuries in the first 48 hours

  There's no cover for injuries during the first 48 hours of your policy or illnesses in the first 14 days. Costs above your policy limits are also excluded.