Pet Insurance (cat) after an accident?

travel_freak

Hi there,

Just had to pay about £500 in vet's bills (OUCH!) for our cat who has managed to fracture her pelvis. We don't know how she did it but she's such a monkey, always off exploring where she shouldn't. The vet said she must stay inside for 4 weeks in a cage but she was having none of it - she was actually climbing the cage, upside down like a trapeze artist trying to get out and then falling into her poo tray and sending her food flying - and that was day one when she came back from the vets still with a gammy leg! So we had to let her out of the cage and just keep her in the kitchen where there are less things for her to try to jump up on.

Anyway, in the hot weather we took pity on her and let her have a walk in the garden. She seemed really happy and was rolling around in the grass (or rather straw as it now is) but the second we turned our back she rushed up the tree with her back leg still not working properly and jumped the fence into next door's garden!!

We've tried to keep her in since then but she loves her freedom and really hates being inside.

So, we're happy to let her out but are just worried in case she causes herself more damage as we really can't afford to pay another £500 in vet's bills.

We've never had insurance for her - does anyone know whether we could get it now, declaring her recent accident, or will this be a complete impossibility after the accident?

Many thanks for any advice on this.

Regards

Bossyboots

You will be able to insure her, but anything related to this accident will be excluded.

travel_freak

Thanks Bossyboots, is there any particular provider you could recommend as I'm not at all familiar with pet insurance.

Many thanks.

worto03

Check out marks&spensers I have both of my cats insured by them, I think we paid £64 a year for each cat.

The main thing to look out for is if there is a limit on payout per year or per illness.

Some cover pays out a maximum per illness which if they need long term or lifelong treatment can run out in a couple of years but the M&S one pays out an ammount per year then they will pay out the same again every year even if it's the same illness.

not sure if I explained that in the best way but hopefully you got my point

hope she gets better soon.

worto.

worto03

Oh & here's a good forum for all things cat

http://www.catchat.org/forum.html

:beer:

worto.

travel_freak

Many thanks Worto03 for your helpful replies. I hadn't thought about M&S - didn't realise they did pet insurance - I'll give them a go and I suppose that if M&S do it then Tescos probably do too (as they do everything else!) so I'll give them a try too.

Thanks again!

Regards.

oldandhappy

Hi Travel Freak...
Has your Puss ever had a catcollar and lead on...she can then go out but under supervision until she is on the mend....
We now train all our kittens with a lead and it has been a godsend when needed. Our oldest 2+ had the need of a lead a few times recently and although he had not had it on since a year gone...He actually loved it...we where shocked actually that he loved it.

1Foxylady

travel_freak wrote:

Thanks Bossyboots, is there any particular provider you could recommend as I'm not at all familiar with pet insurance.

Many thanks.

Check out the pet insurance that the RSPCA offers:

http://www.rspca.org.uk/servlet/Satellite?pagename=RSPCA/AnimalCare/GeneralPetAdvice&articleid=998045477909

(hopefully the link will work!)
If not look at their website and do a search on pet insurance.

You can get a quote online.:)

vwman_3

I have insured my cat with Petplan, £8 a month, my dog is also insured with Petplan and has been for years, £11 a month.
My dog has an illness and needs medication every day and it works out at £215 per month Petplan pay for this and have done for the last 5 years they also pay for blood tests conected with the illness at £125 every 6 weeks.

tankgirl1

hi

the most important things to look for when choosing a pet insurance are:

lifetime cover, (meaning that if the pet develops a lifelong illness, the policy will cover the cost of treatment [minus annual excess] for life. some policies will only cover until the next renewal date, and then exclude the condition.

that the amount paid out is not per condition- meaning that some policies will only agree to pay a certain amount per condition- ie £2000, and then the condition will be excluded. so if your cat developed diabetes, the £2000 may cover 3 years treatment, but you would then be left high and dry.

in my opinion, petplan are the best company around.

remember that you get what you pay for- so a higher premium may well be moneysaving in the long run.

also remember that you are three times more likely to claim on pet insurance, than home or car insurance, and so it is definately worth getting.

HTH

circuit

i just bought my cat insurance about ten minutes ago.

this is what swung me:
tesco standard: £2500 per condition, for a max 12 months.
M&S: £7000 per condition, for life.

not sure about tesco, but M&S will also pay for complimentary therapies and special diets, and i have a £0 excess.

i insured two cats, and got 5% off the first for ordering online, and 10% off the second by calling and adding him to the policy.

total: £10.63 a month for both cats.

i believe petplan offers a similar standard of cover, but that it's slightly more expensive. my sister (an ex vet nurse) has always recommended petplan so i think the M&S policy is a very good deal.