Cat Insurance?

greenmoneysaver_2

I cannot disagree strongly enough with the comment about Petplan!

Industry gold standard, and by far the best company to deal with for client and vet!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Only ones which come close are Pet protect (don't charge extra for London postcodes) and Kennel Club for dogs.

I am a VN and deal alot with insurance, so can't tell you the premiums, but like everything, you get what you pay for!

Rule of thumb:-

• get a per year minimum of £4k per cat £6k per dog
• avoid time limited policies
• if you can get per condition policies of £4k per year per condition then that is good
• don't take out a policy thinking you'll upgrade/get better one later - anything seen prior to change/new policy may (will!) be excluded. . .

emlou2009

Be careful with the wording on AXA - I was going to go with them until I read the small print, they wont pay out for any condition if the pet isnt vaccinated. Most other insurers say they just exclude conditions preventable by vaccinations.

Sammyantha

emlou2009 wrote: »

Be careful with the wording on AXA - I was going to go with them until I read the small print, they wont pay out for any condition if the pet isnt vaccinated. Most other insurers say they just exclude conditions preventable by vaccinations.

Read it all word by word lol, mine are all vacced

Greemoneysaver, I'm paying more than petplan quoted, but i still wouldn't touch them.

bethie

petplan have paid out twice for my cat.


first time for a dental/teeth removal and then recently for a skin biopsy and associated steroid shots for the past year.

greenmoneysaver_2

Every single product, medicine and food offered is tested on animals - not really a brilliant reason to choose an insurance company, if you feel that strongly, become vegan and do not have a pet.

The reason vets recommend Petplan is because they get fed up with other companies not paying out and clients having crap policies and being stung by vet bills when they thought they were insured!

Sammyantha

greenmoneysaver wrote: »

Every single product, medicine and food offered is tested on animals

Please research what i am talking about before assuming that you know. Your simplified response proves only your lack of knowledge on the subject. It is not my job to teach you.

not really a brilliant reason to choose an insurance company

It's a perfectly good reason, and I did not invite discussion on this point.

if you feel that strongly, become vegan and do not have a pet.

I am. In regards to pets, i have no intention to give mine up. Instead I shall make consumer decisions based on my own ethical standards.

The reason vets recommend Petplan is because they get fed up with other companies not paying out ...

Again, please research.

Many thanks to those who replied. I have gone with AXA and hoping all will be well

greenmoneysaver_2

Not my job to teach you - but you asked for advice and I can guarantee I have dealt with more vets, animals and claims than everyone on here put together, still hope you and the cats are happy.

snowman2_2

Sammyantha wrote: »

Quote:
The reason vets recommend Petplan is because they get fed up with other companies not paying out ...
Again, please research.

umh, I am a vet and Pet Plan have the simplest claim mechanism, reliable times to payout and cause fewest problems. AFAIK, every single member of my staff who has pet insurance has gone with Pet Plan, despite being able to get cheaper prices elsewhere.

My practice manager, who does all the insurance claim, would prefer everyone to use Pet Plan. Quicker, simpler and better for our cash flow.

Directline & E&L are so slow to payout it is ridiculous

Sammyantha

snowman2 wrote: »

umh, I am a vet and Pet Plan have the simplest claim mechanism, reliable times to payout and cause fewest problems. AFAIK, every single member of my staff who has pet insurance has gone with Pet Plan, despite being able to get cheaper prices elsewhere.

My practice manager, who does all the insurance claim, would prefer everyone to use Pet Plan. Quicker, simpler and better for our cash flow.

Directline & E&L are so slow to payout it is ridiculous

Oh I know, I looked into E&L for my horse insurance years ago as they advertise literally EVERYWHERE. Was warned off them by just about everyone! Wasn't sure about directline but didn't actually consider them at all for pet insurance. They don't seem to come up on any of the comparison websites etc.

rising_from_the_ashes

emlou2009 wrote: »

Be careful with the wording on AXA - I was going to go with them until I read the small print, they wont pay out for any condition if the pet isnt vaccinated. Most other insurers say they just exclude conditions preventable by vaccinations.

I think you'll find most insurers require pets to be vaccinated.


I had petplan for my old cat - he suffered from kidney disease from 3 years and I had him until he was 11.

Luckily I'd insured with PP as soon as I got him and they paid every claim, without quibble and promptly.

They will pay the vet direct but, my vets (like many) will not accept this as they say they take ages to pay them but will pay the customer much quicker (don't know if this is true or not).