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cat insurance

We've recently acquired a lovely kitten but are rather baffled by all the different pet insurance options. The vet recommended Pet Plan but it's expensive. Our cat is a healthy moggie who will be allowed outside once he's neutered and chipped. We're really just looking for decent health insurance to cover vet bills for common ailments, accidents and  long term conditions (we don't need an fancy extras like cattery expenses or cancelled holidays if cat gets sick etc). Does anyone have any advice or recommendations? Thanks!

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Permalink Reply by HoL Site Admin on August 19, 2011 at 13:50

From Twitter:

 

Permalink Reply by JulieB on August 19, 2011 at 17:34

We got a kitten from the RSPCA a couple of months ago. After hours of internet research I went with M&S pet insurance which seemed to cover most things but was one of the cheapest. I think I'm paying about £8.50 per month. For some reason girl cats are cheaper to insure than boy cats, and it gets cheaper once they're over 1 year old. Having said all that you still have to pay an excess of about £70 per vet visit. So really I've got it in case of serious injury.

 

Good luck with your kitten, we love having ours and I've found some great advice on this site from all the other cat owners.

Permalink Reply by Jane on August 21, 2011 at 12:16

Thanks, Julie. This is the first time I have owned a cat so really not sure how much to expect per year, but like you really just want something in place to cover any big bills!

Permalink Reply by stuart on August 20, 2011 at 10:12

We had the same problem Jane until i found  NFU ( national farmers union )

The cost was less than £100 per cat , this gave you £2500 cover per claim instead of £4000 of Petplan per year but my vet recommended it as a good choice.

You have to contact them by phone  (no internet service ) in working hours if you are interested.

 

Permalink Reply by Jane on August 21, 2011 at 12:19
Would never have thought of this so thanks very much for the tip. I'll investigate ...
Permalink Reply by Betty Careless on August 22, 2011 at 12:57

Its worth checking what your insurers policy is on longterm health conditions.  If your cat turns out to be diabetic, or contracts FIV etc  lots of insurers will only pay out for a year after the condition is diagnosed, and then you're on your own for any treatments which might be linked to that conditon.  I'm with Animal Friends who will pay out on any condition for a pet's lifetime, they also give quite a lot of their profits to animal charities, so I feel a little less bad at giving them lots of money:

http://http://www.animalfriends.org.uk/

 

On the downside though they don't pay out on dental treatment (most insurers don't) which can cost a bomb - they do cover boating accidents though, should you be tempted to take your cat sailing!

Permalink Reply by Jane on August 26, 2011 at 9:34
Thanks for this ... could be useful when we take the cat to Ally Pally ... now wondering whether it needs a lifejacket!
Permalink Reply by Ed Gorman on August 22, 2011 at 13:34

compare the mieow-ket dot com?

 

*i'll get my coat ;-)

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