Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

Bagpuss741

I agree with ministox, M&S are good my dog is with them.

ministox5

mleonard79 wrote:

Hi ministox

Thanks for the tip about M&S. I've got a quote from them of around £32 per month to insure all four of my cats. What do people think - is that competitive?? Thanks for any help.

Michelle

hi michelle 32 pounds for four cats is a good price i think it is very competitive but dont forget it is very difficult wiyh some companies to insure older pets please let me know how you get on.:beer:

wigginsmum

£32 for 4 sounds pretty competitive for me - we insure our 7 cats with Direct Line for £48/month.

llh189

I'm adopting a two year old cat, no health problems to date, has had the snip and all required injections to date but I have had various advice on pet insurance varying from not worth it - to really essential. What do you guys think / experiences you've had.

Any thoughts would be grately appreciated.

Thanks

Lx

Bagpuss741

I got insurance for my dog as soon as we got her which I am glad about as recently she seems to spend more time at the vet that at home. She is with Marks and Spencer.

griff.

Marks and Spencers were very good when they took on our 13 year old cat this year. I'd recommend them, but you might find that since your cat is so young, another insurance company would be cheaper. Make sure you read the small print about keeping the injections up to date.

wigginsmum

Definitely go for it. We have all 7 insured with Direct Line for £48/month(and find Direct Line to be excellent). The youngest (2) came home one day in April with a broken leg which has taken 3 months and 3 operations to fix - if we weren't insured we'd have had to pay £3,000 so far.

[Deleted User]

I would strongly suggest you do insure your cat. As he is only 2 with no heath problems the premiums should be quite small.

Could you afford to spend £500 upwards to fix a broken leg if it happened today? What if there were complications requiring more surgery? More cost. Insurance is your answer.

There are different sorts of policies. If you can afford it - go for a policy that covers the cat for LIFE. Not just for 12 months.

This is because if your cat goes on to develop a condition that requires ongoing medication or a special diet, i.e diabetes, kidney problems etc.. you will then be covered for the whole of the cat's life rather than just the year.

If you take a policy that just covers the year - when you come to renew it, with either the same compnay or any other (remember they share information to prevent fraud) - any existing conditions will be exempt.

The premiums for this sort of policy are usually higher.

My cat has an exempt condition for which I 'self insure' but I stll have cat insurance too - to cover anything else.

saintscouple

I will be looking with eager eyes at this thread, as i'm adopting a 9 week old kitten this Friday. She comes with 6 weeks insurance from petplan, and i've been told by the adoption centre, i can't get insurance from anyone else untill the 6 weeks expire.
She is due her 2nd vacination in 3 weeks, plus then the neutering on 5/6 months. I already have her registered with a vet and booked in for 2nd vacination.
Recommendations for the best value insurance would be much appreciated.

sparklymessygirl

Hi there,

I really would recommend you take out insurance.
I have two dogs and before taking out insurance one got hit by a train! Cost me £2500!
Since then both have been insured and I hadn't made a claim for about 4-5 years. After joining MSE I reviewed my insurance and found that it was not competitive (I checked up and even got a cheaper quote from my own provider over the internet, rang them up and asked them to reduce my premium to the same as the internet and they wouldn't!) So I left them and joined M & S who seem to have better cover, lots of positive comments from here about them and they were £10 per month cheaper (in total for both)
This month the other dog needed an operation to remove a lump and I am so glad that I have insurance!

I am glad that I don't have to make decisions about my pets' healthcare based on finances.

Sparkly x