Which Is the Best Pet Insurance For Cat (Low Budget Owner)

Beautiful_smile!

Hi! Beware of Pet Plan, they tend to change the policy terms as they please. Have my dog insured with them for 11 years, £25.00 monthly and pay by D/D, yet, every year as my dog got older, they change, not only the excess which is now £120, but also I have to pay 20% of any treatment and he is not insured for arthritis on legs, not insured 'death by illness'??? As it happened, 2 months after this year's policy arrive, (with their changes to policy) he has develope 'cussins desease' which the treatment is now for life and it is costing me a fortune. So i would suggest that you ensure you have written confirmation that they cannot change policy terms as they please. I hope it works ok for you all, Yolanda (beautiful smile)

Beautiful_smile!

Motor_Mouth wrote:

I'm also in the throes of insuring our two kittens who have just been let loose into the big wide world. Yes, E&L does rank the best when you search through moneysupermarket, yet when you take a closer look at what is covered it doesn't seem quite so good, i.e. about the same montly premium as Tesco per cat (£4.70 ) yet justcover for up to £1,000 per condition versus £2,500 with Tesco with £40 excess.I've not yet looked into M&S.

Pollyann24's got a good point, though. Although PetPlan is more expensive, you get what you pay for. It's a life plan, too. As I understand it, that can help if your pet has a long-term illness/condition. But like with every insurance policy, it's the small print that you have to (yawn) check.

BEWARE OF PET PLAN. THEY CHANGE THE TERMS OF THE POLICY AS THEY PLEASE!:money: :mad:

TheDink

NFU Mutual provide a good level of cover - I pay a £40 excess, maximum claim values are quite high and they have never quibbled a claim.

Motor_Mouth

Just stumbled across this site.

http://www.insureyourpet.co.uk/

Try searching for insurance -- it provides a very neat comparison table with all the deatils you need.

bikebarbie

I posted earlier on this issue supporting M&S however I just had a letter from them as it's renewal time and it seems that they have changed my policy and withdrawn my NIL EXCESS, so now I would have to pay the first £50.

So I am also loooking for another insurance I thought the whole point of having it was to avoid vet fees. Yes I claimed 3 times but all were for between 40 to 60£ so if I had to pay the excess I would have been at loss!

Anyone any more advice on who offers nil excess? Thanks

pboae

bikebarbie, phone M&S and check your policy. The Nil excess is still available (for dogs at least) but they have reworded their letter which makes it sound like there is an excess, but there isn't really. There have been loads of complaints about it. The Nil excess is buried in the small print, but the quickest way to find out is just ring them and check.

UKTigerlily

I read an M&S policy & it seemed to say a pet 9 years plus (Cat) was excess plus so much of the claim? Is this right? It also says 0 excess. I'm phoning Monday but don't understand it. They said they could pay the vet direct if that's ok with the vet

bikebarbie

thanks pboae
at the end of the letter it says

Endorsements
If your pet is under 9 years of age at the time of treatment, You must pay the first £50 of the treatment costs per condition per period of Insurance....

then it carries on similalry if the pet is over 9 years it's either the first £50 or 15% of the treatment costs and then it says

The veterinary fees excess (section 1) is reduced to NIL :mad: so confusing!!!

pboae

bikebarbie wrote:

The veterinary fees excess (section 1) is reduced to NIL[/B][/I] :mad: so confusing!!!

That's the bit you need, it's still a nil excess policy. The new letters are so badly written, it is ridculous.

justmarried06

Hi all - does anyone have any ideas of good insurers for older cats? I've currently got our 13 year old covered on an RSPCA policy as she has been for the last five years since we rescued her but I've just had a letter from the underwriters saying they are no longer writing these policies or donating to the RSPCA and that the policy is going to lapse.

The underwriters are UK Insurance Ltd who do Tesco and their quote to cover her is an extra £15 a month on top of what I'm paying now!!!:mad:

I'm open to suggestions................:D

JM