Pet Insurance for Cats

shazzafly

After my friends cat broke its leg last week and she has had to pay out £3000 so far, decided to insure my 2 moggies, however now totaly confused about who to go through. Had quotes per cat from £8 - £26 a month.

Any ideas as I believe the cheaper companies sometimes wont pay out.
All advice appreciated.

brownie4583

We have More Than for our dog insurance,£8 a month and can claim £7,000 per ailment and 24 hour vet advice line.Worth checking out.

Catherine12

Check various companies.
Some have a much lower one off excess e.g £50 or £60, others have percentage excesses which rob you of your money if your pet has an ongoing illness.
Others renew e.g you get £7,000 each year, whereas some are when the £7,000 runs out thats your lot for each illness/injury.
It's hard to know what to go for, as you never know if you need it, but if you cana fford and are in doubt gor for extra/premier/ etc policies as they offer a better value of cover.
Check those excesses though- the percentage excess can leave you with little money, as you may have to pay the excess each year(this is standard practice for most insurers)

*Scarlett

Use the comparison sites and also directly from any other insurers you can think of. You can the use this site to compare the cover

http://www.defaqto.com/star-ratings/find-product/cat-insurancehttp


Also you could ask on the pets forum http://forums.moneysavingexpert.com/forumdisplay.php?f=143

Hope this helps

InsideInsurance

One of the key differentials between different products is how they treat ongoing conditions:

Basic policies - up to maximum payment in year of diagnosis, no cover for ongoing treatment after that
Medium policies - up to maximum payment over the life of the policy, no further funding after maximum payout hit
Premium policies - up to maximum payout every year of policy

Whilst Premium obviously will payout much more if your pet develops diabetes or another high cost condition it does also create lock in because if you were to look to transfer to another policy after your pet has been diagnosed the condition would then be pre-existing and not covered by the policy.

Another key difference is what ages of pet they will insure up to, there is often two different values, one for new business (ie the first year you buy the insurance) and one for renewals/ claims. Particularly if you are looking at a premium type product then there could be a big difference to your pocket if the pet developed something and the cover stops 4-5 years before the life expectancy of your pet.