Options
Pet Insurance advice
![[Deleted User]](https://wb.vanillicon.com/v2/bf37767ae2214faea8f547bcf540ed6d.svg)
[Deleted User]
Posts: 5,433 Forum Member
✭
Need to start thinking about pet insurance for my 11 week old kitten. Who are your pets insured with? Any suggestions? Thanks in advance.:)
0
[Deleted User]
Posts: 5,433
Comments
our choc lab and lil puss are insured with tesco.
you find when you make a claim you have to pay an excess and a percentage of the cost of the work.
My advise is NOT to get it. Instead open a saving account for the kitten and save so much each week.
Biggest mistake my mother made getting pet insurance for her cat. She paid it every month for 18 year and still had to pay fees for when the cat was ill.
Then my cat (only a year old) got run over twice within a couple of months, and the vet bills were over £1000. He had a couple of ops and some inpatient and outpatient care, and recovered fine. But in the time available I would only have saved about a tenth of the money required.
so you pay your money and take your chance.
My cats are insured with Pet Protect and they have always been extremely fair and efficient.
The only problem with insurance arises when cats get to the age of ten... the premiums become huge and not worthwhile (IMO).
Having had that experience, all my pets are insured and will be throughout their lives. It was too upsetting to be worried about my dog AND desperately worried about money.
I had to borrow money to treat my dog and I vowed I'd never let the situation happen again.
Anyway, I'm insured with M&S and they have been brilliant when needed. I've heard More Than are good too. The main thing is to find insurance which covers any conditions for more than a year if necessary, as well as a decent maximum claim given that surgery can be well over 1K if it's complicated.
You can with M&S and yes, it costs more for an older one. Some insurance companies have a cut-off age of around 8 years old, I think.
Thanks for the info
That was exactly how I felt. My cat was very seriously ill and if I had had to worry about how much it was costing it would have been even more stressful. With insurance you can concentrate on getting the best treatment for your pet without worrying about the cost.