Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

nanokitten

Could someone please summarise the best genuine for life policies for a cat, I've been hanging on for Martin to update the article but can't risk waiting any longer as my kitten is growing up fast.

Cheers, L

refit

nanokitten wrote: »

Could someone please summarise the best genuine for life policies for a cat, I've been hanging on for Martin to update the article but can't risk waiting any longer as my kitten is growing up fast.

Cheers, L

The best for life policies for cats and dogs would be:
NFU mutual
AXA
PetPlan

All these are unlikely to change much with years to come.
The rest are usually underwritten by other insurers.

lowis

refit wrote: »

The best for life policies for cats and dogs would be:
NFU mutual
AXA
PetPlan

All these are unlikely to change much with years to come.
The rest are usually underwritten by other insurers.

i second this. it is best to avoid the supermarket brands too.

hethmar

MrsE wrote: »

Found this article on pet insurance

http://www.independent.co.uk/money/insurance/not-all-pet-insurance-deals-are-what-they-seem-562613.html

I'm still dithering as to whether its a good deal.

Blimey, that article is more misleading that the policies! Sainsburys who they quote several times, isnt a for life policy for a start - I swopped from them to M and S a few years back when I realised that.

Then what on earth is this woman's premium about:

Ms Styler pays £40 a year for her NFU Mutual policy. "It has turned out to be really good value," she says. "Clemmie had a rough year, and we ended up putting in another £300 claim when she developed a blood disorder and had to spend two weeks in hospital. Mind you, Clemmie is eight years old now and it's the first time we have had to make a claim."

What a load of rubbish - £40 a year???

maggie999

hethmar wrote: »

What a load of rubbish - £40 a year???

I thought that! good grief! £40 a month would be a bargain!

hethmar

NFU are good though, lower cover per condition but they cover all conditions per year so in theory your claims could be limitless.

nanokitten

Thanks for your suggestions on the best for life policies,
next question - How do they compare on the excess as your pet gets older.
So far axa is looking the best for me but I can't find a table of excesses...
cheers L

prudryden

Off Subject:

My Cocker Spaniel, when he gets excited, starts to gag quite a bit. He lies down, coughs it out, and then is ok. Would this be a potential sign of fur balls? Appreciate any response.

lowis

speak to your vet...does he (the dog) bring anything up? if not it could be a sign of a few things including asthma and heart problems.

good luck x

refit

nanokitten wrote: »

Thanks for your suggestions on the best for life policies,
next question - How do they compare on the excess as your pet gets older.
So far axa is looking the best for me but I can't find a table of excesses...
cheers L

I can only comment on my recent search for puppy insurance.
Most insurers start having a small co-payment over 8 years of age, in addition to the compulsory excess. For example if you were to make a claim for £1000, and your excess was £60, with a 10% excess for a pet over 8, you would pay £60 if your pet was less than 8, and £160 if it was 9 years old.

NFU at this time have quoted me for a standard excess that does not change with the pets age.

AXA do the same as well.

Again this might be different for you as you are looking for a cat insurance and I would suggest the best way is to call up these insurers or get online quotes, print them off and compare them before making your decision. Remember you would probably be stuck with an insurer once you claim on chronic condition, so you want to get it right!

Best wishes!