New kitten - insure or not?

ozma83

I have adopted a 2 month old kitten this weekend. I am confused as whether to get insurance for her or not. She will be an indoor cat and is not of any expensive breed (tortoiseshell shorthair).

What do you think? Should I insure her, and if yes what is the best cover in your opinion?

Treevo

Can you spare ten grand each year to pay for any vet bills? If so you probably don't need to insure.

Treevo

Re cover - go for lifetime cover for as much as you can afford with a decent company like Pet Plan. They cost more now but less overall.

Tiglath

Definitely, especially as she's a tortie! They're psychotic beasts One of my torties had to have half her tail amputated after she lost a fight with a pyrex dish.

UKTigerlily

I'd insure her, no doubt about that . . even though she is indoor only that doesn't stop her from having accidents (I read about a kitten that ended up in the tumble drier or washer) or getting ill. Pet Plan are my #1 company, they only deal in insurance so are unlikely to stop offering cover like Axa & others have, most Vets will make a direct claim as they rarely quibble over them & pay up quickly & they don't increase it each year too much, so although it can seem expensive it's really top cover. (When I have had to claim they paid up super quick)

Either way i'd go for cover that renews each year (some only pay per condition so if the cat gets say diabetes you'd get treatment up to the limit & that's it, but a per year one will top up to the limit each year, also some pay for 12 months only & that's no good with an on going illness like diabetes)

Do we get a pic?

lisajane8482

Definitely get insurance. I was told it was a waste of money when I took it out for our indoor cat. At 5 months old he ate lillies and ended up at the emergency vets over the weekend and then spent a day at our vets plus had to go back twice for check up blood tests. Bill came in at over £1000 I was so glad that we had insurance.

I'm currently insured with Argos for both our cats but will be changing the youngest over to pet plan when his renewal is due as we have never claimed. Not sure if I should do the same with the oldest since I've claimed with Argos and I don't know if they would cover for renal failure since it can be a side effect of lily poisoning.

Willowpop

Agree with the other posts...definitely insure. Petplan are my choice as well. I have my 4 insured with them and wouldn't change from them, it's not worth the risk of a marginally cheaper cover price and then the company not playing out. Petplan are very reliable indeed.
Cats get poorly whether or not they go outside and accidents can still happen indoors too.

stir_crazy

Definitely insure. It costs hardly anything for insurance each month compared to the possibility of a large vet bill. Being indoors isn't a guarantee of not having accidents and there is still the chance she could become ill.

spacey2012

Statistically, with all insurance you lose money.
It would not exist if that was not the case.

CATS

Definitely insure, my indoor kitten broke his leg jumping onto the dining table!! the vet told me that actually, had he fallen off a taller place he would not have injured himself as he would have had time to prepare for the landing. The cost was £2500 to fix his leg, my insurance was £60 for the year. Pet Plan and More Than are good. I like More Than as they have a help line you can call if you have any concerns and speak to a nurse

kelly17687

Definitely insure! It's peace of mind if anything happens.